CONTACT ME TODAY FOR YOUR "FREE LIST" OF FORECLOSURE PROPERTIES! 866-558-0052

Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >

"We love our new house - Thanks Cindy"
"Cindy made buying our first home together such a breeze"
Corey & Sara Dorschel
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Cindy Gavin, Broker Associate are some of The Top Selling Real Estate Experts™
Find Out More >

See the nation's top rated reports for Schools in Jacksonville, Clay County and St. Johns County >

Pest Control
Rocky McKindles
Find Out More >
View All Affiliates >

Welcome > Resources > Special Offers > Special Offers ...

Special Offers From Us To You!

Just for you, we've assembled some Special Offers. Choose one or all!

"FREE" Foreclosure & Short Sale List of Properties
Free List of local "Foreclosure & Short Sale" Properties

Read Complete Offer >

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.

Read Complete Offer >

Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.

Read Complete Offer >

Get Free Presentation On Our Home Marketing.
Before signing a contract with any real estate agents, make sure you know EXACTLY how your home will be marketed.

Read Complete Offer >

Request Our Free Relocation Package!
Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!

Read Complete Offer >

Sign Up For Our eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.

Read Complete Offer >

School Reports in Jacksonville, Clay County and St. Johns County, Florida

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Florida Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Jacksonville, Clay County and St. Johns County

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.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"
A	Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
See More Real Estate Trivia >

Cindy Gavin, Broker Associate, REALTOR®, real estate agents and broker for Jacksonville, Clay County and St. Johns County, Florida home listings, property and land for sale - NUMBER1EXPERT

Cindy Gavin, The Cindy Gavin Team
Vanguard Realty, Inc.
12276 San Jose Blvd., Suite 730
Jacksonville, FL 32223
Direct Line: 904-465-3397
Fax: 866-845-1609
Toll Free: 866-558-0052
cindygavin@NUMBER1EXPERT.com
Giving top rate customer service is very important to me, and I treat my clients like I would want to be treated! As a "native" of Florida and a resident of North Florida for over 30 years, I know our area well! Put my experience to work for you! For all your Jacksonville Florida real estate needs, including, St. Johns County and Clay County. I know our market well! I know our school systems well! I have the experience to work for you!

www.CindyGavinHomes.com is brought to you by Cindy Gavin, Broker Associate
NUMBER1EXPERT in real estate for Jacksonville, Clay County and St. Johns County, Florida

Luxury Properties

Read Cindy Gavin, Broker Associate's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge