Mortgage FAQ'S What is the 12-Month Treasury Average Index? The 12-Month Treasury Average Index (12-MTA) is based on the average annual yields on U.S. Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve. The 12 months average is determined by adding together the annual yields for the most recently available 12 months and dividing by 12.

1444 First Street, Suite A, Sarasota, Florida, 34236  |  Toll-Free : (800) 377-8203  |  Tel : (941) 955-7115  |  Fax : (941) 957-0020 © Kroboth & Helm Mortgage Co., Inc.   All Rights Reserved.   Site Design by Professional Web Designs Kroboth & Helm Mortgage Co., Inc. is a South Florida Correspondent Mortgage Lender serving all of Florida. Located in Sarasota, Florida, we specialize in financing Florida Real Estate by offering residential loans up to $10 million and commercial loans up to $20 million.  We have over 100 years combined experience in financing Waterfront and beachfront properties, condominiums and new home construction and offer personalized & smooth mortgage closings.