Layton, Bountiful and Ogden real estate and homes for sale in Utah, military relocation, and corporate relocation - Mary Hurlburt, REALTOR® Mary Hurlburt REALTOR(r) for Layton, Bountiful and Ogden, Utah real estate, military relocation, and corporate relocation - NUMBER1EXPERT™ Mary Hurlburt NUMBER1EXPERT(tm) for Layton, Bountiful and Ogden, Utah real estate, military relocation, and corporate relocation
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Mary Hurlburt, REALTORŪ, real estate agent and broker for Layton, Bountiful and Ogden Utah home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
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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Real Estate Trivia
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What three things are necessary in order to purchase a home?

A 
Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Mary Hurlburt, REALTORŪ, real estate agent and broker for Layton, Bountiful and Ogden Utah home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary Hurlburt, CRS, GRI, PMN
Prudential Utah Real Estate

5929 S. Fashion Pointe Dr. Suite 400
South Ogden, Utah 84403
801-543-9585
Fax: 801-544-0084
Email: MaryHurlburt@NUMBER1EXPERT.com

Over 32 years experience in Military and Corporate Relocation. Mary's clients are clients for life. She meets the needs of her clients by offering outstanding personal service. Her greatest rewards are the referrals from past clients and their family members. She has been the recipient of the Realtor of the Year Award, the President's Award, Sales Professional of the Year Award and was the 2007 President of the Northern Wasatch Association of Realtors. She also earned the award of Outstanding Customer Service voted by her clients. The areas she covers are Davis, Weber, Morgan, Salt Lake, Summit, and Brigham/Tremonton Counties.

CRS GRI MLS REALTOR wcr PMN Equal Housing


Prudential Utah Real Estate Residential Brokerage real estate and homes for sale in Layton, Bountiful and Ogden Utah





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