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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	During what great land boom (1919) did investors pay up to $25,000 for lots that had not yet been dredged up from the ocean?
A	The Florida Land Boom--Carl Fisher founded Miami Beach that year and brought hundreds of investors to the state.
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Steve Acoba, REALTORŽ, real estate agent and broker for Andersonville, Rogers Park and Gold Coast Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Steve Acoba
Keller Williams Realty
2106 N. Clark Street
Chicago, IL 60614
Phone: 773-968-9107
Main Phone: 773-968-9107
eFax: 206-339-3239
Email: steveacoba@ameritech.net
Steve is among the top agents of ALL the Keller Williams offices in Midwest Region. Every year since beginning his real estate career he has been recognized as a TOP Producing agent by the Chicago Association of Realtors. He is on track for another top selling year in 2010. With over 15 years of corporate sales experience with a Global 100 company and Keller Williams Realty, he understands and utilizes best practices to continually grow his business. He is dedicated to making your new home purchase or existing home sale as stress-free and trouble-free as possible. Over 95% of his business comes from referrals from past clients! Steve is conversationally fluent in French and Japanese and is also now learning Mandarin Chinese.

His objectives are simple: 1) find buyers the perfect home at the best price and 2) get his sellers the best price in the shortest time possible. His thorough market knowledge, ability to understand his clients needs and wants, honed negotiating skills, professionalism, and tech-savvy are why he boasts a 100% client satisfaction rating. He will EXCEED your expectations and become your Realtor for Life.

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NUMBER1EXPERT™ in real estate for Andersonville, Rogers Park and Gold Coast, Illinois, Condos/Condominiums, Luxury

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