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Anne Scott, REALTOR®, real estate agent and broker for Ridgefield Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)




All agents are NOT alike! Find out why I am a top real estate expert. Call me: 203.702.1549

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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 
Where is the world's largest wine cellar, and how big is it?

A 
A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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Anne Scott, REALTOR®, real estate agent and broker for Ridgefield Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Anne Scott
William Raveis Real Estate

426 Main Street
Ridgefield, CT. 06877
Phone: 203.702.1549
Email: AnneScott@RidgefieldRealestate.com

Having been in the real estate business in Ridgefield Connecticut for over twenty-eight years, I have learned that the only way to provide truly exceptional service is to listen to the customer. I listen from your point of view and respond with affirmative action. As a Fairfield County luxury representative and William Raveis Sales Vice President, I am committed to focusing on and fulfilling your expectations. If you would like to discuss personal service, please call on me today - I go the "extra mile" for all your real estate needs.

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