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WELCOME! You've found the site for one of the top producing agents in the country. In 2004 Jeff Galloway sold over $251 million.
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Jeff Galloway is clearly the most visionary real e In less than 36 months, Mr. Norrie has been represented by Jeff Galloway on transactions totalling $25 million at St. George Island, Florida. David Norrie 1st VP, C.B. Richard Ellis, Inc. Read Quote >
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Jeff, a proven St. George Island, Carrabelle and Apalachicola, Florida NUMBER1EXPERT™ Top Selling real estate agent.
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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 does the term ARM stand for?
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| A |
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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