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Ask Anything: Blue Bell, Plymouth Meeting and King of Prussia Pennsylvania home buying, real estate listings, and homes for sale in Montgomery County, PA

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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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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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the Pam Butera Team, REALTORŽ, real estate agents and broker for Blue Bell, Plymouth Meeting and King of Prussia Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

the Pam Butera Team
Keller Williams Real Estate
910 Harvest Drive
Suite 100
Blue Bell, PA 19422 USA
Phone: 215-646-2900
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Everyone talks about service . . . Pam delivers it! Pam has produced dramatic results for buyers and sellers for over 15 years, and is consistently among the top 1% of producers nationwide. Listing with the Pam Butera Team will put $12,000 in your pocket! Pam is known for her persistence and dedication to outstanding results! Pam has a passion for what she does!

Pam Butera - PA Licensed Realtor -- License # RS171400L
Jen Allander - PA Licensed Realtor -- License # RS-287360
Becca Gartland - PA Licensed Realtor -- License # RS-218607L
Ed Rohlfing - PA Licensed Realtor -- License # RS-219529-L

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