Austin, West Lake Hills, Cedar park, and Round Rock Texas real estate listings, home buying, selling and relocation information

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Testimonials: Austin, West Lake Hills, Cedar park, and Round Rock Texas home buying, real estate listings, and homes for sale in Travis County, TX

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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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Lisa Goldin, REALTORŽ, real estate agent and broker for Austin, West Lake Hills, Cedar park, and Round Rock Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Lisa Goldin Properties a GCM Holdings INC. company
When Making the Right Real Estate Decision Matters
401 Congress Avenue #1540, Austin TX, 78701
North/Central Office Location:
8500 Bluffstone Suite B 102 , Austin, TX, 78759
Office Phone: 512-347-8744
Fax: 866-703-6572
Cell: 512-632-5128
Toll-Free: 877-892-2987
Email: homes@lisagoldin.com
Lisa Goldin Properties, GCM Holdings Inc., REALTORŽ, "When it's about making the right real estate decision." The Lisa Goldin Team has the experience and proven negotiating skill to put power behind your Real Estate Transaction. Call today for positively GOLDIN results in all market conditions. Lisa Goldin, Broker/Director, GRI, ABR, Austin native with over 20 years experience. Lisa and her team are leaders in the real estate industry with over 170 million in home sales 2006 & 2009. Lisa Goldin Team represents the best interest of their clients throughout Austin/Central Texas, Westlake, Cedar Park, Round Rock, Dripping springs, and surrounding areas. Specializing in home buyer representation, home seller representation, new construction, custom homes negotiations, and investment property sales. For all your Real Estate needs call the real estate team that cares about your real estate future. 512-347-8744

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