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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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What is encroachment, and how might it affect a property owner?
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Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. |
 See More Real Estate Trivia > |
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Paymon Ghafouri
Paymon’s Real Estate Group
3201 Oak Knoll Dr. #A
Redwood City, CA 94062
Cell: 650-683-0388
Email: Paymon@PaymonHome.com
Paymon Ghafouri has always looked at things differently. A successful entrepreneur and leading real estate professional, he’ll tell you perspective is everything when it comes to achieving new heights of success. He firmly believes that when you seek creative solutions and apply knowledge gained through experience, there’s no limit to what you can achieve.   
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