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Welcome > Local Info > Fort Lauderdale, Davie, Pembroke Pines and Weston Information ...

About the Fort Lauderdale, Davie, Pembroke Pines and Weston, Florida Area

Request our Free Fort Lauderdale, Davie, Pembroke Pines and Weston Relocation Package. It's packed full of useful and important information about the Fort Lauderdale, Davie, Pembroke Pines and Weston, Florida area. Don't move here without it! Remember: we'll send it to you for free and without obligation. Just fill out the form and we will send it right out...

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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 characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Ana Orge, REALTOR®, real estate agents and broker for Fort Lauderdale, Davie, Pembroke Pines and Weston Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Ana Orge
Keller Williams Partners Realty
2000 NW 150th Ave suite 2000
Pembroke Pines
FL, 33028
Phone #: 954-472-8102
Fax #: 1-888-850-6743
Email: ana@orgeteam.com
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