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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.
Real Estate Trivia
What famous $40+ million home has a 60-foot pool with underwater music and a 20-car garage?
The home of Bill Gates, co-founder of Microsoft, features the latest futuristic computer technology.
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Moulton & Associates Realtors
1910 SW Shops Lane
Ankeny, IA 50023
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Moulton & Associates, REALTORS is one of Iowa's largest producing Real Estate Companies serving Des Moines and surrounding suburbs. The only Number1 Expert Realtor in the Greater Des Moines area, our team specializes in offering our clients below market interest rates that allow our buyers to save thousands of dollars in monthly payments on any home they purchase. With over $300 Million in career volume and over 400 homes sold in the last 3 years, Moulton & Associates, REALTORS can help you find your next home when moving to the Greater Des Moines area.
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