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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	What characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Becky Phillips, REALTOR®, real estate agent and broker for Lake Conroe, Conroe and Montgomery Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Becky Phillips
Top Guns Realty of Lake Conroe
18429 Hwy 105 West
Montgomery, TX 77356
936 582-5869
936 718-7285 Cell
936 448-1777
936 582-1700
936 582-4955
becky@topguns.com
My family and I moved to the beautiful Lake Conroe area 15+ years ago to experience a lifestyle change that included lake living at its best! Buying and selling real estate, as you well know, can be an exciting, but stressful event. For most of us, buying a home, whether for full or part-time living, will be the most expensive transaction we will incur! Let me be the professional that assists you in making this a pleasant and easy process. Diligence and hard work have made me a top producer (Top 150 out of 19,000 Houston Area Association Realtors) and it is my philosophy to go the extra mile for my clients. I am a Lake Conroe and surrounding areas specialist and have all the tools necessary to help you make informed decisions. You deserve the best that real estate has to offer and that is what I'll strive to give you! If you are thinking of selling your property please call me about my marketing techniques. Buyers, feel free to request an area information package and I will gladly mail this to you! I look forward to meeting you and please call or e-mail and I will assist you in any way possible!

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