Wilton, Galt, Lockeford and Ione, Ca., real estate, Horse property,ranches,vineyards,homes and land for sale in Sacramento,San Joaquin,Amador and El Dorado counties. With Andy and Diane Hall, Top Team, broker, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo

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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 
Where are church services held in the water each Sunday during July and August?

A 
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes.
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Diane and Andy Hall Team, REALTOR®, real estate agents and broker for Wilton, Galt, Lockeford and Ione, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Andy and Diane Hall
Premier Valley Real Estate

203 W MARKET ST
Ione, Ca 95460
17680 Pleasant Valley Rd. Placerville,Cal.
Office: 209-337-8172
Fax: 916-244-0238
Other Office: 209-680-4033
mobile: 209-217-7707
mobile: 209-337-8172
Andy@AndyjHall.net
Diane@Diane-Hall.com

Diane's DRE License#01085991 Andy's #01254531

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