Mandeville, Abita Springs, Covington and Madisonville real estate and homes for sale in Louisiana - Ann O'Bryan, REALTOR® Ann O'Bryan REALTOR(r) for Mandeville, Abita Springs, Covington and Madisonville, Louisiana real estate - NUMBER1EXPERT™ Ann O'Bryan NUMBER1EXPERT(tm) for Mandeville, Abita Springs, Covington and Madisonville, Louisiana real estate

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Ann O'Bryan, REALTOR®, real estate agent and broker for Mandeville, Abita Springs, Covington and Madisonville Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)
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About Ann O'Bryan?: Mandeville, Abita Springs, Covington and Madisonville Louisiana home buying, real estate listings, and homes for sale in Parrish Parish, LA
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There are many advantages to hiring Ann for all your real estate needs. Just review the many achievements and credentials listed on her website -- she's a Lifetime Member of the Million Dollar Club, affiliated with several realty associations, and one of America's NUMBER1EXPERTS?in the Mandeville, Abita Springs, Covington and Madisonville area. Ann O'Bryan is well-equipped to handle all of your real estate needs. Call or email her today!
 


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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 
Which nation, fueled by an oil and manufacturing boom, claims the world's longest building?

A 
The "Linear City" of Malasia is currently the longest.
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Ann O'Bryan, REALTOR®, real estate agent and broker for Mandeville, Abita Springs, Covington and Madisonville Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Ann O'Bryan
Latter & Blum

1151 N. Causeway Blvd.
Mandeville, LA 70471
985-626-5695
Cell: 985-630-1849
Fax: 985-626-5866
annobryan@NUMBER1EXPERT.com

There are many advantages to hiring Ann for all your real estate needs. Just review the many achievements and credentials listed on her website -- she's a Lifetime Member of the Million Dollar Club, affiliated with several realty associations, and one of America's NUMBER1EXPERTS™in the Mandeville, Abita Springs, Covington and Madisonville area. Ann O'Bryan is well-equipped to handle all of your real estate needs. Call or email her today!

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