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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 
Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?

A 
Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year.
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The Hardas Team, REALTOR®, real estate agent and broker for Highland, Edwardsville, Troy and Greenville, Illinois home listings, property and land for sale - NUMBER1EXPERT

The Hardas Team
Coldwell Banker Brown Realtors

2621 Plaza Drive
Highland, IL 62249
Phil Hardas: 618-789-5863
Jason Hardas: 618-670-8009
Lori Novosel: 618-301-0103
Fax : 618-654-4360
Email: CustomerCare@TheHardasTeam.com

The Hardas Team is a uniquely developed team set-up to give incredible customer service. The Hardas Team is focused not only in being your Realtor but being your one stop place for all your real estate needs. We strive for lifelong customers each and every time.

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