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Ask Anything: Morgan Hill, San Martin and Gilroy California home buying, real estate listings, and homes for sale in Santa Clara County, CA

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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 considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?
A	Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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Jim and Polly Eagle, REALTORŽ, real estate agents and broker for Morgan Hill, San Martin and Gilroy California home listings, property and land for sale - NUMBER1EXPERT(tm)

Teri Fortino, REALTORŽ, real estate agents and broker for Morgan Hill, San Martin and Gilroy California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim & Polly Eagle, GRI, CRS, and Teri Fortino
Century 21 Capital Group
Office: 408-778-6499
Cell: 408 718-7712
polly@pollyeagle.com
The Eagles are in the top 1% of agents nationwide. Both are associated with Century 21 Capital Group,a large international firm and one of the largest real estate firm in the United States. The Eagles have combined real estate experience of more than 50 years and use every up-to-date tool to assist their customers and clients. Polly is GRI, CRS certified and a Relocation Specialist. Highly equipped to guide you through all of your real estate needs, don't hesitate to call or email them!

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