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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	Which hazardous substance is contained in sixty-four million houses and apartments?
A	HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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Scott Lauri, REALTOR®, real estate agent and broker for North Brunswick, South Brunswick, Franklin Park and Milltown New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

ERA Absolute Realty
ERA Absolute Realty
1600 Jersey Avenue
North Brunswick, NJ 08902
Office: 732-220-6611
Fax: 732-220-1451
centralnjhome@NUMBER1EXPERT.com
Scott says to expect surprises and in fact he plans to WOW you at least 3 times during your home purchase or home sale. Come inside and take a look at the buyer and seller sections of his web site. Enjoy your stay! Service is what you expect and results are what you get when you call Scott Lauri. As one of Central New Jersey's top agents and one of America's NUMBER1EXPERTS in the Central New Jersey area, Scott is well equipped to guide you though all your real estate needs. Call or email him today!

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