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School Reports in Gaithersburg, Maryland

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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 amenity do 48% of all homes in the new housing market have?
A	48% of all newly-constructed homes now have 2 1/2 baths or more, up from 1985 when only 29% had more than 2 baths.
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Sandra Lillywhite, REALTOR®, real estate agent and broker for Gaithersburg, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandra Lillywhite
RE/MAX Metropolitan Realty
North Potomac Office, 345 Main Street
Gaithersburg, MD 20878
Cell: 301-275-5444
Office: 301-947-6500 x.119
Fax: 301-519-2450
sandralillywhite@number1expert.com
sandralillywhite@remax.net
lilwhte@erols.com
Sandra Lillywhite has been a top, full-time professional in the real estate business in Montgomery County since 1987. She has been ranked in the top 10 for homes sold in Montgomery County out of 4,000 Realtors and continues to be ranked Top 1% Nationwide. Sandra has earned the respect of not only many satisfied clients, but also of the real estate community. Specializing in relocation services, Sandra's personal commitment to excellence has positioned her as a top agent and has provided her with the networking skills necessary to ensure your satisfaction in your next property purchase or sale.

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