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profit margin above the value of the financial index. The bank seeks to make a profit above the costs of inflation. The index is a measure of califronia equity home loan rate southern cost of funds as measured by inflation. Index - A publicly published financial index such as LIBOR (usually 1 month, califronia equity home loan rate southern month or 12 month), 11th District Cost of Funds Index, MTA, etc. Start Rate - The introductory rate provided to purchasers of ARM loans for the initial fixed interest period. The difference between the "Start Rate" of an ARM and the rate of a fixed terms loan is that the "Start Rate". Period - This is the frequency califronia equity home loan rate southern adjustments, the longer the rate remains fixed, the better the loan is for the borrower. Typically,

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