Rochester, Pittsford and Brighton, New York Real Estate Listings & Homes For Sale - The Jeff Scofield Team

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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 did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional?
A	Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods.
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The Jeff Scofield Team, REALTOR®, real estate agent and broker for Rochester, Pittsford and Brighton, New York home listings, property and land for sale - NUMBER1EXPERT

The Jeff Scofield Team
RE/MAX PLUS
2171 Monroe Avenue
Rochester, Pittsford and Brighton, NY 14618
585-721-3010
585-730-9110
Email: thejeffscofieldteam@gmail.com
As one of America's NUMBER1EXPERTSļæ½ in the Rochester area, Jeff has a passion to ensure that his buyers get the best home at the best price. His utilization of master negotiating skills, extensive knowledge of the local housing market, and attention to detail have successfully served hundreds of buyers. Jeff utilizes his MBA in marketing to successfully market the homes of his sellers. His marketing system provides an unequaled amount of advertising and exposure for his clients' homes along with sound advice on presentation and price. Call or e-mail him today!!!