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School Reports in Suwanee, Lawrenceville and Lake Lanier, Georgia

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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	Which famous skilled mason laid the cornerstone of the Capitol Building in Washington, D.C. in 1793?
A	George Washington, the first President of the United States.
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Freda Kalina, REALTOR®, real estate agent and broker for Suwanee, Lawrenceville and Lake Lanier Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Freda Kalina
RE/MAX Greater Atlanta
1605 Buford Drive
Lawrenceville, GA 30043
770-945-2645
Fax: 678-804-1871
Toll Free: 877-288-9838
fredakalina@NUMBER1EXPERT.com
I love being a realtor! It is always exciting for me to be with to be with a buyer when they walk into a home and their face lights up as they realize they have found their next home! I have experience, knowledge and enthusiasm that buyers and sellers really appreciate. My professional designations include CRS, ABR, E-Pro, and Cyber Pro. When I am not working, you will find me enjoying time with my three sons, traveling, and entertaining family and friends. Thank you for visiting my web site, and please don't hesitate to contact me with any and all of your real estate questions.

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