Listing Details: Crestview, Eglin AFB, and Duke Field, Florida Real Estate Listings & Homes For Sale Provided by Kathy Wilhelm

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Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Kathy Wilhelm, REALTOR�, real estate agent and broker for Crestview, Eglin AFB, and Duke Field, Florida home listings, property and land for sale - NUMBER1EXPERT

Kathy Wilhelm
American Realty of Northwest Florida, Inc.
938 South Ferdon Boulevard
Crestview, FL 32536
850-682-4822
Fax: 850-682-9439
kathy@kathysells.com
Kathy Sells Crestview! Selling Crestview and surrounding areas since 1977.

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