Sitemap: Home Buying in Conroe, Lake Conroe, and The Woodlands, Texas

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For Home Buyers:

Why Buyers Choose Keith Robertson - Why homebuyers looking for a real estate agent in the Conroe, Lake Conroe, and The Woodlands area choose Keith Robertson.
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Find Your Perfect Home - Keith Robertson will search for your ideal home and email you the newest Conroe, Lake Conroe, and The Woodlands MLS listings of properties in Montgomery County TX.
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School Reports in Conroe, Lake Conroe, and The Woodlands, Texas

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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 economic factor can make the purchase of a home an excellent long-term investment?
A	Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Keith Robertson, REALTOR®, real estate agent and broker for Conroe, Lake Conroe, and The Woodlands, Texas home listings, property and land for sale - NUMBER1EXPERT

Keith Robertson
Top Guns Realty
12828 Hwy 105 West
Conroe, TX. 77304
936 588-4006
936 522-6100
Fax: 936 588-4040
Email: keithrobertson@NUMBER1EXPERT.com
Keith Robertson's enthusiasm for real estate isn't the only reason he has been a multi-million dollar sales producer year after year since 1989 - it's also because the profession demands the skills he has used all of his adult life.
A father of four, a military veteran and a management professional before entering into real estate, Keith has long been active in the community he now serves. As a member of the Lions Club, Kiwanis Club, the American Legion, VFW and two Chambers of Commerce, he has gained a keen understanding of the heart and soul of the area.

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