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Real Estate Tips
Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Real Estate Trivia
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The smallest of Canada's 1000 Islands shares a name with a fairy tale hero. What is it?

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Tom Thumb
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Jeff Baker, REALTOR®, real estate agent and broker for Vancouver, Camas, Battle Ground and Clark County, Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Jeff Baker
RE/MAX equity group

1301 SE Tech Center Dr #150
Vancouver, WA 98683
Direct: 360-904-6764
Fax: 360-256-6554
jeffbaker@NUMBER1EXPERT.com

Click on my website and you will see why it is the best site for real estate in Vancouver, Clark County and SW Washington! Search exclusively all active listings of homes in SW Washington! Since 1997, Jeff has been a top producing realtor working hard for his clients, ensuring a smooth transition with a sensible approach.

ABR CRS Equal Housing GRI MLS REALTOR


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