Darnestown, Gaithersburg and Montgomery County Maryland real estate listings, home buying, selling and relocation information

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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 is the world's oldest wooden structure?
A	The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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Lisa Patterson, REALTOR®, real estate agent and broker for Darnestown, Gaithersburg and Montgomery County Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Lisa Patterson
Coldwell Banker Residential Brokerage
7272 Wisconsin Avenue
Bethesda, MD 20814
Office Phone #: 301 718-0010
Home Office # (preferred): 301 548-0999
Mobile #: 301-704-4714
Fax #: 301 990-9752
Email: Lisa@LisaPattersonHomes.com
Email II: lisaapatterson@aol.com
Lisa is a top agent who has been selling real estate in the Washington DC area for over a dozen years (licensed in DC, MD and VA). She specializes in Montgomery County Maryland, and Northwest DC. As President and Social Chairman of the Darnestown Civic Association, she is the top choice for those in her home town area who want someone to sell their home with knowledge and enthusiasm. She is also one of the top relocation buyers agents in the area. They appreciate her broader knowledge of the Capital area. She prides herself in her hard work, and her loyalty to her clients.

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