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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.

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Real Estate Trivia
Q 
What is the most unusual maintenance project done once each year in the United States?

A 
The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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The Rick O'Connor Group, REALTOR®, real estate agent and broker for  McHenry County, Crystal Lake and Woodstock Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

The Rick O'Connor Group
Realty Executives Cornerstone

7115 Virginia Rd. Ste. 101
Crystal Lake
IL 60014
Rick O'Connor, SFR: 815-477-3000 Ex. 104
Larry Lang, ABR: 815-477-3000 Ex. 103
Toll Free: 866-854-1100
Fax: 815-459-1112
Cell: 815-790-7200
Email: houses@rickoconnorgroup.com
Larry: larrylang@rickoconnorgroup.com
Rick: rick@rickoconnorgroup.com

The Rick O'Connor Group has been ranked in the top 3% of REALTORS� in his area since 1990. The Rick O'Connor Group is one of America's NUMBER1EXPERTS� in all areas of Real Estate in McHenry County, and is well equipped to guide you through all your real estate needs. Our staff and Executives are qualified to assist with Short Sales, REO Properties, Foreclosures and Distressed Properties. "As designated Home Retention Consultants (HRC) and as a Short Sale, Foreclosure Resource (SFR) we are able to give you professional advice for your future." Call or email his team today! And remember Excellence In All Things, All Things to His Glory.

ABR Equal Housing GRI MLS REALTOR


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