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"Hi Jon,
Both you and Sandi were great to work with throughout the sale of my Lot. I feel like we all have met in person several times working on strategies to find out which avenue would work the best in the sale of my Lot and we did this all through e-mails and telephone communications. Your professionalism is commendable and I appreciate all your suggestions and recommendations from the start to finish of the sale of my Lot. I wish you both the best of luck with future real estate transactions through this market change were going through right now however, I am sure you will both be prosperous in any market that faces you because of the professionals that you are.
Thank you again and may God Bless you both.
Mike and Carma Tobiassen"

Mike and Carma Tobiassen

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School Reports in La Quinta, Palm Springs and Palm Desert, California

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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 little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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Sandi Phillips, REALTOR®, real estate agent and broker for La Quinta, Palm Springs and Palm Desert, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandi Phillips
HK Lane Real Esate
72895 Fred Waring Drive
Palm Desert, CA 9260
Direct: 760-567-5506
Fax: 760-262-3053
Sandi@SandiPhillips.com
Whether you are new to the market, thinking of moving up, or you are an experienced investor, Sandi has the expertise, proven track record, and resources to help you buy or sell your next home Sandi Phillips's Profile

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