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"She always went the extra mile"

"Columbia was so patient with our long house-hunt. She never made us feel like "just clients". We felt like she cared and really wanted to see us in a house that met all of our needs. She always went the extra mile taking our walls nights and weekends. And even once when she was on vacation! There is no doubt about recommending her to anyone that is looking for an agent that listens to what you say and want and does what she can do to get it. We love you Columbia!"

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School Reports in Fort Campbell KY, Clarksville and Montgomery County, Tennessee

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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 classic 1932 movie scene was filmed between 923 and 935 Vendome Street in the Silver Lake district of Los Angeles?
A	Laurel and Hardy tried to lug a heavy piano up a really long outdoor stairway in "The Music Box."
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The Worth Team, REALTOR®, real estate agents and broker for Fort Campbell KY, Clarksville and Montgomery County, Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

The Worth Team - Bob Worth
Coldwell Banker Conroy, Marable, Holleman
2250-H Wilma Rudolph Blvd.
Clarksville, TN. 37040
Bob Direct: 931-920-6864
Bob's Cell: 931-320-0438
Office: 1-866-647-3600 ext 6864
Columbia Direct: 931-920-6878
Columbia's Cell: 931-302-7960
Email 1: BobWorth@TheWorthTeam.com
Email 2: ColumbiaDorminey@TheWorthTeam.com
Licensed real estate agent for Tennessee and Kentucky. As one of America's NUMBER1EXPERTS™ in the Clarksville/Fort Cambpell area, Bob is ready to serve in all your real estate needs. Please call or email him today!

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