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Real Estate Tips
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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Real Estate Trivia
Q 
What is the longest construction time for a private residence?

A 
The Winchester House in San Jose, CA, was under construction for over 38 years.
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Team Pepka, REALTOR®, real estate agent and broker for Bradenton, Sarasota and Anna Maria Island, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Team Pepka
Keller Williams On The Water
5239 Manatee Avenue West
Bradenton, FL 34209
941-708-3555
Fax: 941-708-3455
TeamPepka@NUMBER1EXPERT.com

The Team Pepka mission is to exceed the expectations as the Real Estate Team of those we serve through honesty, integrity and unparalleled service. We believe Manatee County and Florida in general is the most outstanding place in the world to live!

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