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#1 Real Estate Agent on the Northshore in 2009 & 2010! When Time & Money MATTER! Please call me at: (985) 705-1910
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Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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"Went above & beyond what we could have imagined!"
"Kim worked 110% for us and went above & beyond what we could have imagined!"
Ricky & Marie
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 Compare three mortgages
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Special Offers From Me To You! Just for you, I've assembled some Special Offers. Choose one or all!  
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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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What Pasadena, California house was the movie home of the eccentric "Doc" Brown in the 1989 film, "Back to the Future"?
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The famous Gamble House, a landmark of Craftsman architecture, is now open to the public for tours.
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Kim Higgins, Realtor, ABR, e-PRO
Keller Williams Realty Services
1522 W. Causeway Approach, Mandeville LA 70471 USA
Each Office Is Independently Owned & Operated.
Licensed Realtor In Louisiana.
Direct Cell: 985-705-1910
Personal Office: 985-727-7166
Main Office: 985-727-7000
Fax: 985-727-7001
Email: kimhiggins@kw.com
LOVE WHERE YOU LIVE...I Do! Real Estate is my profession as well as my passion. Every client I work with has different needs, certain likes & dislikes, & specific goals. I will listen to what's important to you, follow through, provide the information you need and get you the RESULTS you expect. I'm a hardworking, consistent top producer in St. Tammany Parish and I'm different from other agents. It's about YOUR needs, YOUR time frame, & YOUR goals. Experience the difference today.
Please call me...When Time & Money MATTER!    
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Mandeville, Covington and Madisonville, Louisiana
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