Lancaster, Palmdale and Quartz Hill real estate and homes for sale in California, land, ranches - The Chappell Team Advantage, REALTORS® The Chappell Team Advantage REALTORS(r) for Lancaster, Palmdale and Quartz Hill, California real estate, land, ranches - NUMBER1EXPERTS™ The Chappell Team Advantage NUMBER1EXPERTS(tm) for Lancaster, Palmdale and Quartz Hill, California real estate, land, ranches

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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 
What unique type of home is making news as an affordable, environmentally-friendly housing alternative?

A 
Straw bale homes may well become the non-toxic, affordable home of choice in the future.
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The Chappell Team Advantage, REALTOR®, real estate agents and broker for Lancaster, Palmdale and Quartz Hill California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Chappell Team Advantage
Keller Williams Realty

41307 12th St. W. Suite 105
Palmdale, CA 93551-1454
Tel: 661-223-4017
Tel: 661-946-6112
Fax: 661-274-8867
Email: Mark@MarkChappell.com
Transaction Manager: marksassistant@kw.com

Mark Chappell has over 10 years of experience in real estate. He is ranked among the top 5% of agents nationally. His mission is to bring skill, sound judgment and high integrity to every real estate transaction; benefiting everyone involved. Mark Chappell’s Team Advantage offers a team of hardworking professionals including residential specialists and a transaction manager. As a team of specialists, we work together to ensure a smooth and successful closing for each transaction.

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