Jacksonville, Mandarin, St. Johns County and Clay County real estate and homes for sale in Florida - Susan Kennedy and the Kennedy Team, REALTORS® Susan Kennedy and the Kennedy Team REALTORS(r) for Jacksonville, Mandarin, St. Johns County and Clay County, Florida real estate - NUMBER1EXPERTS™ Susan Kennedy and the Kennedy Team NUMBER1EXPERTS(tm) for Jacksonville, Mandarin, St. Johns County and Clay County, Florida real estate
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Susan Kennedy and the Kennedy Team, REALTORŪ, real estate agents and broker for Jacksonville, Mandarin, St. Johns County and Clay County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)


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"I really appreciate everything you did to help Lance and I find the perfect house for us. We just love it your extreme patience in working with us made it possible, and we thank you for that. I'm also grateful for all the time and effort you put into selling my house. It seemed like an impossible task, but you did it!" 

Lance & Susan Crawford

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Real Estate Tips
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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Real Estate Trivia
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Who is the world's richest living person?

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William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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Susan Kennedy and the Kennedy Team, REALTORŪ, real estate agents and broker for Jacksonville, Mandarin, St. Johns County and Clay County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Kennedy and The Susan Kennedy Team
Coldwell Banker Vanguard Realty

12644-1 San Jose Blvd
Jacksonville, FL. 32223
(904) 880-6700
(888) 226-8300
Fax: (904) 880-1099
Email: kennedyteam@vanguardcb.com

Whether you have a house to sell or looking to buy your next great home, look no further! Moving across town or across the country, Susan Kennedy & The Susan Kennedy Team is the #1 Choice for your real estate needs! As the top Realtor in Northeast Florida, Susan has been selling residential real estate since 1983 & selling real estate in Jacksonville since 1992.

ABR CRS GRI Equal Housing MLS REALTOR


Coldwell Banker Vanguard Realty estate and homes for sale in Jacksonville, Mandarin, St. Johns County and Clay County Florida

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