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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. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Real Estate Trivia Q  What are considered the ideal conditions for a buyer's market? A  In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices. See More Real Estate Trivia >

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Marilou Buffum Prudential Fox & Roach 97 Bethlehem Pike Philadelphia, PA 19118-2820 215-248-4050 thebuffums@NUMBER1EXPERT.com Marilou Buffum is your Chestnut Hill and Mt. Airy Expert. Her award-winning team includes Marilou Buffum, Associate Broker (Pa. lic. 60244) and sales associates Peter Buffum (Pa. lic. 208103), Paula Seitchik (Pa. lic. 273926), Rebecca Buffum (Pa. lic. 310053), and Peter Spaeth (Pa. lic. 322315). www.thebuffums.com is brought to you by Marilou Buffum, real estate for Chestnut Hill, Mt. Airy and Northwest Philadelphia, Pennsylvania Read Marilou Buffum's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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