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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Marsha Dashiell, a proven Auburn, Lincoln and Rocklin, California NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Auburn, Lincoln and Rocklin, California

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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	At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
A	The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
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Marsha Dashiell, REALTOR®, real estate agent and broker for Auburn, Lincoln and Rocklin, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Marsha Dashiell
Keller Williams
3001 Lava Ridge Court, Suite 100
Roseville, CA 95661
Phone: 916-580-5400
Fax: 916-580-6110
Email: marshadashiell@NUMBER1EXPERT.com

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