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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 360-490-3811.

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  • Why Buyers Choose Keith Fuller - Why homebuyers looking for a real estate agent in the Shelton, Union and Hoodsport area choose Keith Fuller.

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Real Estate Tips
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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Real Estate Trivia
Q 
Over what famous building is aircraft forbidden to fly at any time?

A 
No aircraft is permitted to fly over the Taj Mahal in India.
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Keith Fuller, REALTOR®, real estate agent and broker for Shelton, Union and Hoodsport, Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Keith Fuller
Windermere/Himlie

920 Railroad Ave
Shelton, WA 98584
Direct: 360-490-3811
Fax: 360-426-2698
Email: landman@keithfuller.com

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

CRS MLS REALTOR Equal Housing


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