Sitemap: Summit, South Orange and Short Hills, New Jersey Real Estate Agent - Hilary Gilles

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Hilary Gilles is one of The Top Selling Real Estate Experts™
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School Reports in Summit, South Orange and Short Hills, New Jersey

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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 legal term used to describe the right of the U. S. government to condemn private land for public use?
A	Right of Eminent Domain allows the government to confiscate private land by paying full market value for the property.
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Hilary Gilles, REALTOR®, real estate agent and broker for Summit, South Orange and Short Hills, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Hilary Gilles
Keller Williams Realty
Premier Properties Essex, Union & Morris Counties
488 Springfield Ave.
Summit, NJ 07901
Mobile: 973-615-0786
Fax: 973-376-1088
Fax: 973-763-2121
HilaryGilles@NUMBER1EXPERT.com
hilarygilles@kw.com
CONTACT ME FOR ALL OF YOUR REAL ESTATE NEEDS!

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