La Quinta, Trilogy, PGA WEST and Palm Springs real estate and homes for sale in California - Susan Eidler, REALTOR® Susan Eidler REALTOR(r) for La Quinta, Trilogy, PGA WEST and Palm Springs, California real estate - NUMBER1EXPERT™ Susan Eidler NUMBER1EXPERT(tm) for La Quinta, Trilogy, PGA WEST and Palm Springs, California real estate
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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 
What is the average age range of a second-home buyer in the United States?

A 
Currently, second-home buyers in America are most often between 41 and 44 years of age.
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Susan Eidler

Susan Eidler
Desert Dreaming Realty, Inc.

78365 HWY 111, #166
La Quinta, CA 92253
Direct: 760-341-3172
Fax: 775-855-9541
Email: susan@DesertDreamingRealty.com

Any real estate professional in today's world must be tech-equipped, have a depth of knowledge about values and cycles and most importantly be a smart marketer. Be capable of creating a demand for your home if selling, and able to find the very best value for you when you are buying. Real Estate License # 01224568 CA




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