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Latest Listings: Gold Canyon, Mesa and Superstition Mountain Arizona home buying, real estate listings, and homes for sale in Pinal County, AZ

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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 oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?
A	According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Jody Sayler, REALTOR®, real estate agent and broker for Gold Canyon, Mesa and Superstition Mountain Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Jody Sayler
Keller Williams Integrity First Real Estate
6756 S Kings Ranch Rd #2
Gold Canyon, AZ 85218
Office: 480-983-3606
FAX: 800-605-3858
Email: Jody@RealEstatewithJody.com
If you are considering buying or selling your home in the East Valley communities of Mesa, Apache Junction, Queen Creek, or Gold Canyon, call me for all your real estate needs. My goal is to help you sell or obtain your dream home nestled near the majestic Superstition Mountains. Call me to visit some of the most beautiful homes and views that southwest AZ has to offer - all within a 5-30 minute drive to some of the most exquisite golf courses that AZ has to offer, including Mountain Brook Golf Club, Gold Canyon Golf Resort, and Superstition Mountain Golf and Country Club

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