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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What is the world's largest palace?

A 
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
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Hartman & Assoc., REALTOR®, real estate agent and broker for Reno, Sparks and Fernley, Nevada home listings, property and land for sale - NUMBER1EXPERT

Linda Hartman
Century 21 Miner Realty

4990 South Virginia St.
Reno, NV 89502
Linda Hartman
Cell: 775-771-4400
Office: 775-824-3600
Fax: 775-824-3621
LindaHartman.REO@gmail.com

Linda Hartman is a top Century 21 agents with over 30 years experience in the business. She is entrenched in Bank Owned Foreclosures, Shortsales and Loan Modifications. Investors will also find her extremely knowledgeable about all types of investment properties and 1031 exchanges. Linda pride herselves on being dedicated to providing award winning customer service. She really care about her clients and it shows!!

CRS ePro Equal Housing GRI MLS REALTOR


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