Staunton, Waynesboro and Augusta County real estate and homes for sale in Virginia - Emma Drummond and Becky Upton, REALTORS® Emma Drummond and Becky Upton REALTORS(r) for Staunton, Waynesboro and Augusta County, Virginia real estate - NUMBER1EXPERTS™ Emma Drummond and Becky Upton NUMBER1EXPERTS(tm) for Staunton, Waynesboro and Augusta County, Virginia real estate
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Emma Drummond and Becky Upton, REALTORŪ, real estate agents and broker for Staunton, Waynesboro and Augusta County Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
What was the first territorial acquisition made by the U.S. Government?

A 
The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%.
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Emma Drummond and Becky Upton, REALTORŪ, real estate agents and broker for Staunton, Waynesboro and Augusta County Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Emma Drummond and Becky Upton
Real Estate III

17 Parkway Lane
Fishersville, VA. 22939
540-213-4646
540-213-4647
800-327-3433
Fax: 540-886-5248
Email: drummondupton@NUMBER1EXPERT.com

Emma Drummond and Becky Upton - Recognized, Respected, Recommended. Working Together to Serve You Better.

MLSREALTOR


Real Estate III real estate and homes for sale in Staunton, Waynesboro and Augusta County Virginia




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