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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 U.S. state is home to the world's richest woman?
A	Alice Walton, daughter of WalMart's founder and heiress to $16.5 billion, lives on a ranch in the state of Texas.
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The Tony and Libby Kelly Team, REALTORŽ, real estate agents and broker for Tigard, Beaverton and Portland Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

The Tony and Libby Kelly Group
Keller Williams Realty, Portland Premiere
17700 SW Upper Boones Ferry Rd
Portland, OR 97224
Tel: 503-330-5488
Toll Free: 800-395-1151
Email: Tony@TonyandLibby.com
Fax: 503-924-3590
Tony and Libby Kelly, MBA, M.Ed. are ranked in the top 2% of REALTORS in Portland Metro. and are Diamond-Platinum members of the Portland Metropolitan Association of REALTORS Million Dollar Club. They have been featured on HGTV's "House Hunters" & "my House is Worth What?". They specialize in providing a superior level of professional real estate services combining today's technology with yesterday's hands-on personalized care. As top producing listing and marketing specialists, they will get your home sold for top dollar and in a timely manner. Read what past clients have to say on the Testimonials Page on this site. Client feedback is the best endorsement we can imagine. We are dedicated to making your home selling and buying experience as easy and hassle free as possible. Satisfied customers are the foundation of our success! *Licensed in the State of Oregon

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