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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 home product makes lawn mowing easier than ever?
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| A |
The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself. |
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Sherri Melton
Keller Williams Realty Augusta Partners
3633 Wheeler Rd., Ste. 125
Augusta, GA 30909
706-495-1135
Fax: 706-364-1963
SherriMelton@NUMBER1EXPERT.com
Sherri is dedicated to accomplishing her clients goals whether that may be buying or selling around Augusta. You will find her high energy level, integrity, and driven work ethic are second to none. Sherri was the # 1 Sales Agent for 2009 with Keller Williams Realty Augusta Partners. She was nominated Associate to receive the WI4C2TS award in 2008. This reflects the company culture: WIN-WIN - or no deal, INTEGRITY - Do the right thing, CREATIVITY - Ideas before results - CUSTOMERS - Always come first, COMMITMENT - In all things, SUCCESS - Results through people, TEAMWORK - Together everyone achieves more, COMMUNICATION - Seek first to understand, and TRUST - Starts with honesty. A stickler for high standards, exceptional service and a reputation for results, you will feel very comfortable with Sherri. Sherri is also an Accredited Staging Professional Agent. She offers this service to all sellers because a Staged home gives you the competitive edge you need in todays market! 94.8% of ASP Staged Homes sell on average in 37 days or less. She serves on the Associate Leadership Council as Culture Chair for Keller Williams Realty Augusta Partners.    
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