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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	Nearly every state has a mandate for seller disclosure. What must a seller disclose?
A	The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Priscilla Toomey, REALTORŽ, real estate agent and broker for Bronxville, Yonkers and Eastchester New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Priscilla Toomey
Bronxville-Ley Real Estate
17 1/2 Park Place
Bronxville, NY, 10708
Cell:: 914-559-8084
Office:: 914-337-1234 ext. 568
Fax: 914-337-0304
ptoomey@NUMBER1EXPERT.com
Priscilla Toomey brings to Bronxville-Ley an extensive background in several areas of real estate. For 11 years, she served as General Counsel of one of Americas leading relocation firms, where she advised in excess of 20,000 home sales and purchases yearly.

With over 400 corporate clients Priscilla was responsible for changes to the tax law which preserved favorable income tax treatment for employees nationwide. She has written 2 books and many articles regarding getting the highest price for your home and making your home sale transition as easy as possible.

Priscilla has been President of Burlington Realty Asset Management since 1997, investing in and managing multiple family homes. She is a graduate of Hunter College of the City University of New York, Phi Beta Kappa, and of the University of Virginia Law School. She holds Brokers Licenses in Connecticut as well as New York and has been designated a Senior Certified Relocation Professional since 1990.

Priscilla has served her community in various capacities, from the Board of Directors of the YWCA to President of her street association to Co-Chair of Friends of the Performing Arts at her daughters school. Priscilla has also lived in Canada for extended periods and traveled to Russia with the Experiment in International Living. She was a Gold Award winner for 2005 (top 20% company-wide)and a Platinum Award winner for 2006 and 2007(top 10% company-wide) at her former company.

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