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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the least affordable metropolitan housing market in the United States?
A	California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation.
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Patty Williams, REALTORŽ, real estate agents and broker for Terre Haute Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Patty Williams
Williams and Associates, Realtors
601 South Third Street
Terre Haute, IN. 47807
Office: 812-232-6015
Mobile: 812-208-7738
Toll-Free: 800-568-3044
Fax: 812-234-7082
Email: Patty@PattyWilliams.com
With 28 years experience, Patty has helped more than 2500 families for more than $260 million in lifetime transactions. She has both her Indiana and Illinois Real Estate Brokers licenses, and holds the GRI, Graduate Realtors Institute, professional designation from Indiana. As a principal in Williams & Associates, she is part of a team of realtors that are a top selling firm in the area.

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