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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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Q	What was a sure way to accumulate wealth through the 1970s and early 1980s?
A	Many people made their fortunes in real estate during this period.
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The Cross Keys Team, REALTOR®, real estate agent and broker for Montclair, NW Essex County and Passaic County, New Jersey home listings, property and land for sale - NUMBER1EXPERT

The Cross Keys Team
RE/MAX Village Square Realtors
516 Valley Rd.
Upper Montclair, NJ 07043
973-744-7722
Fax: 973-744-7723
sandrabolcar@NUMBER1EXPERT.com

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