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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 famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"
A	Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
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Pam Schroeder & Associates, REALTOR®, real estate agent and broker for St. Charles, O'Fallon and Dardenne Prairie, Missouri home listings, property and land for sale - NUMBER1EXPERT

Pam Schroeder
Keller Williams Realty West
5377 Highway N.
St. Charles, MO 63304
Direct: 314-575-2255
Office: 636-229-8700
Fax: 314-754-2640
pam@pamschroeder.com
Pam Schroeder with Keller Williams Realty West is dedicated to client satisfaction. We advise and consult with our clients to make sure all of their needs are met and that they walk through the home buying and home selling process with ease. If you need help buying, selling, building, or relocating in the Saint Louis, and St. Charles counties in Missouri. please call Pam directly at 314-575-2255 or 636-229-8700 St. Charles, St. Peters, Cottleville, Dardenne Prairie, O'Fallon, Wentzville, Chesterfield, Ballwin, and many more

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