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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 might happen to the Empire State Building in extreme weather?
A	The Empire State Building can sway several feet to either side when buffeted by a severe windstorm or rainstorm.
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Broker’s Guild, REALTOR®, real estate agent and broker for Golden, Lakewood and Arvada, Colorado home listings, property and land for sale

Pam Olson
Broker’s Guild
3360 S. Wadsworth Blvd
Lakewood, CO 80227
303-906-1555
PamOlson@PamOlson.com
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