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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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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
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The Dubinsky Group
RE/MAX
22631 Pacific Coast Highway, #173
Malibu, CA 90265
Direct: (310) 488-5910
Cellular:: (805) 444-7044
Email: MalibuDreamEstates@gmail.com
Maia Dubinsky is a licensed real estate Broker with over 22 years of experience in the business. She is proud to have been inducted into the RE/MAX Hall of Fame and consistently achieved the Platinum Club award, one of the highest honors within the RE/MAX system. Maia's track record of success is clear evidence of her dedication and commitment to delivering outstanding results for her clients. Maia also holds a Bachelor's Degree in Business Administration and several financial licenses. This only adds to her knowledge and credibility as an expert in the field of real esate financing and investing.   
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