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About Mike Morgen
Welcome > Agent Info > About Mike Morgen ...

Meet Mike Morgen 

"I believe that working in the community where you live is a benefit to the people you work with. I have been assisting buyers with their real estate needs since 1981. I have experience with residential, new construction and multi-family home sales and purchases. I am involved within the community through my children's school, coaching basketball and baseball, my church and other social organizations. I enjoy assisting sellers and buyers in achieving their real estate goals. I feel that my community involvement is a benefit to people relocating to the Fox Cities area. I look forward to working with you with all your real estate needs." 

 

Assisting buyers and sellers with their real estate needs since 1981  

Local and national relocation service  

Senior Sales Associate Award recipient for Coldwell Banker The Real Estate Group, Inc since 1992  

Coldwell Banker, The Real Estate Group, Inc. - Pinnacle Award Winner  

Coldwell Banker 2007 International President's Circle Award Recipient - awarded to the top 3% of Coldwell Banker sales associates internationally  

Member of National Assocation of REALTORS, Wisconsin REALTORS Association, and REALTORS Association of Northeast Wisconsin since 1986  

CRS designation - Certified Residential Specialist
What Is The CRS Advantage? 

GRI designation - Graduate REALTORS Institute  


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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
Q 
What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?

A 
Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Mike Morgen, REALTOR®, real estate agent and broker for Appleton, Kimberly and Fox Cities, Wisconsin home listings, property and land for sale - NUMBER1EXPERT(tm)

Mike Morgen - THE FOCUS TEAM
Coldwell Banker The Real Estate Group

2830 East John St.
Appleton, WI 54915
920-428-2745
Fax: 920-993-7203
mikemorgen@NUMBER1EXPERT.com

"I believe that working in the community where you live is a benefit to the people you work with. I have been assisting buyers with their real estate needs since 1981. I have experience with residential, new construction and multi-family home sales and purchases. I am involved within the community through my children's school, coaching basketball and baseball, my church and other social organizations. I enjoy assisting sellers and buyers in achieving their real estate goals. I feel that my community involvement is a benefit to people relocating to the Fox Cities area. I look forward to working with you with all your real estate needs."

GRI CRS REALTOR MLS Equal Housing


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