Rancho Palos Verdes, Redondo Beach, Torrance real estate and homes for sale in California, Hollywood Riviera and beach area - Jack McSweeney, REALTOR® Jack McSweeney REALTOR(r) for Rancho Palos Verdes, Redondo Beach, Torrance, California real estate, Hollywood Riviera and beach area - NUMBER1EXPERT™ Jack McSweeney NUMBER1EXPERT(tm) for Rancho Palos Verdes, Redondo Beach, Torrance, California real estate, Hollywood Riviera and beach area
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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 bizarre post-midnight pageant celebrated the great transformation in Manhattan architecture during the 1920s?

A 
Beaux-Arts Architects' Ball (January 23, 1931) at the Hotel Astor commemorated the end of the first skyscraper age.
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Jack McSweeney, REALTORŪ, real estate agent and broker for Rancho Palos Verdes, Redondo Beach, Torrance California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jack McSweeney, SRES, E-PRO, PVS
Re/Max Palos Verdes - EXECS
63 Malaga Cove Plaza
Palos Verdes Estates
California 90274
Office:: (310 ) 378-9494
Cell: (310) 346-0391
Hm: (310) 373-3374
Fax: (310) 861-5045
Email Me Direct:: jack@mcsweeney.com

I am full-time Realtor and Consultant. I have been licensed (#10272230) since 1988, specializing in Residential and Commercial real estate in the South Bay area of Los Angeles including Rancho Palos Verdes, San Pedro, Lomita, Redondo Beach, Hermosa Beach, Manhattan Beach and Torrance. I am a member of the Palos Verdes Association of Realtors, Board Certified Palos Verdes Specialist, California Association of Realtors, National Association of Realtors and the Palos Verdes Chamber of Commerce. I have an extensive financial and management background as a former Member and Specialist on the Pacific Stock Exchange. I am professional. I understand the South Bay real estate market and will confidently guide my clients to their real estate goals. I offer The Finest Service Possible.

eProMLSSRESEqual HousingREALTOR


Re/Max Palos Verdes real estate and homes for sale in Rancho Palos Verdes, Redondo Beach, Torrance California

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