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For Home Buyers:

  • Why Buyers Choose Terry Hunter - Why homebuyers looking for a real estate agent in the Irvine, Orange County and Newport Coast area choose Terry Hunter.

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  • Find Your Perfect Home - Terry Hunter will search for your ideal home and email you the newest Irvine, Orange County and Newport Coast MLS listings of properties in Orange County CA.

  • First Time Homebuyers - Are you a first time homebuyer in Irvine, Orange County and Newport Coast, CA? Choose a top real estate agent. Terry Hunter can guide your home buying search.

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  • Go to Main Sitemap - Main sitemap sections include Find Irvine, Orange County and Newport Coast Homes, For Home Buyers, For Home Sellers, Irvine, Orange County and Newport Coast Information, Real Estate Resources, and About Terry Hunter.

 

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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 price range is considered upscale or high-end in residential real estate?

A 
The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Terry Hunter, REALTORŪ, real estate agent and broker for Irvine, Orange County and Newport Coast, California home listings, property and land for sale

Terry Hunter
Hunter-Broker

62 Sellas Road North
Ladera Ranch, CA 92694
949-278-1595
Fax: 949-266-8023
Terry@SurfMLS.com

Terry has over thirty years experience as residential broker, investment/land and business broker, licensed custom homebuilder, residential subdivider, syndication general partner and real estate investor. He is a former Air Force Officer. Terry can UNDERSTAND and relate to your wants and desires! He dedicates himself to serve all your real estate needs. Call or email Terry today!

ePro Equal Housing MLS REALTOR


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