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Catherine Peddicord, GMA, CRMSwww.TeamPeddicord.com972-712-LOAN (5626) Office214-535-LOAN (5626) Cell972-767-1813 Fax

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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 mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
A	Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Lender
Catherine Peddicord, GMA, CRMSwww.TeamPeddicord.com972-712-LOAN (5626) Office214-535-LOAN (5626) Cell972-767-1813 Fax
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Lynn Slaney Silguero and Paul Silguero, REALTORSŽ, real estate agents and brokers for Frisco, Plano and North Dallas Texas home listings, property and land for sale - NUMBER1EXPERTS(tm)

Lynn Slaney Silguero , ABR, SRES
Ebby Halliday Realtors Realtors
1415 Legacy Dr Suite 100
Frisco, TX. 75034
Voicemail/FAX: 972.381.6449
Lynn's Cell: 972.588.8449
Spanish Speaking:
Lynn's Email: LynnSlaney@ebby.com
Lifelong resident of the Dallas metro for over 35 years. Growing up in a "real estate family", Customer Service is my Top Priority- Whether you're Buying or selling, we are committed and focused to the delivery in meeting all your real estate needs in a timely positive way- Before, During, and After the Sale! D MAGAZINE BEST REALTOR 2010 * Specializing in Frisco, Plano,McKinney, Allen, Addison, Carrollton, Richardson, Plano, McKinney,Prosper & North Dallas! *Graduate of Richardson Schools & Southwest Texas State University *FRISCO CITY 101 GRADUATE 2010 *Leadership GDAR 2002-2003,* *Women's Council of Realtors. *Accredited Buyers Representative Designation~ABR *Relocation Specialist *Builder & Developer Representation SRES- Senior Real Estate Specialist Designation *REO Bank Representation

Paul Silguero
Frisco Office
1415 Legacy Dr Ste 100
Frisco,TX 75034
972.679.5417 Cell
Email:Paulsilguero@ebby.com
Languages: SPANISH
See My Page www.myDFWhouse.com

As a full time real estate professional, I welcome the opportunity to serve your real estate needs. A dedicated professional with over 30 years in private &corporate business management. I am results-oriented. My goals are to provide clients with excellent service and build long-term relationships with them. I have assisted buyers and sellers throughout Dallas, Denton, and Collin counties. My bilingual skills in English/Spanish are a definite advantage in today's global business world.

DFW Metroplex resident for over 15 years
Member Collin County Association of REALTORS
Member National Association of REALTORS
Member Texas Association of REALTORS
Fully bilingual in English/Spanish

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