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Why Buyers Choose Schultz Home Team - Why homebuyers looking for a real estate agent in the Marco Island, Naples and Hideaway Beach area choose Schultz Home Team.
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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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Q	Where would you go to visit the largest ancient castle in the world?
A	You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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Schultz Home Team, REALTOR®, real estate agent and broker for Marco Island, Naples and Hideaway Beach, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Schultz Home Team
Premiere Plus Realty
235 N Collier Blvd
Marco Island, FL 34145
239-821-3839
Fax: 305-503-8574
SchultzHomeTeam@NUMBER1EXPERT.com
The internet is a great place to start searching for your Next Home, but nothing can replace the benefits you get when you work directly with a professional Realtor that has experience and in depth market knowledge. If you have any questions about Marco Island or the Real Estate market here, I am available to personally assist you in your search. Just send an email or give me a call and I will be happy to help.

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