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"The process would have been much more difficult without someone possessing your capabilities and professionalism, and for that I am very grateful.”
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Bridge City Mortgage
Contact Kathleen Guske at Bridge City Mortgage directly at 503.906.7988. Tell her Lois sent you!
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Bridge City Mortgage
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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	Into what category do forty-four percent of home buying households fall?
A	Forty-four percent of home-buying households are made up of married couples with dependents.
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Lois Oliver-Miesbach, REALTOR®, real estate agent and broker for Lake Oswego, Portland and West Linn, Oregon home listings, property and land for sale - NUMBER1EXPERT™

Lois Oliver-Miesbach
John L. Scott Real Estate
22340 SW Salamo Rd
West Linn, OR 97068
Phone: 503-453-3092
Fax: 503-496-0766
Info@LoisMiesbach.com
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