The best of both worlds

Today homebuyers are in a unique position to combine the benefits of a fixed rate mortgage with the savings opportunities of an adjustable rate mortgage. With a hybrid loan (also called a fixed-period ARM or hybrid ARM) you get the best of both worlds. Also with picking the right index you witness No Negative Amortization affect.

The advantage of a hybrid loan is that it gives you a lower fixed rate mortgage than you’ll typically receive with a 30 year mortgage. This is often an attractive loan choice for borrowers who expect to be selling their home within the first 10 years. You’ll get the advantage of a lower fixed rate while you’re living in the home. And if your plans remain steady, the adjustable rate wouldn’t be due until after you plan to move.

Hybrid loans are also an attractive loan choice for borrowers who want an ARM, but feel the need for added interest rate protection during their first years in the home. 

Whether you plan to move within 10 years or you’d like the added rate protection a hybrid loan affords, we’ll be glad to help you find the best loan program to meet your needs.

*The typical Hybrid Dream Loan offers you rate choices of 2.125%(Min due payment), 4.125% (Interest Only Payment) or 5.375% (30 year fixed payment) with No Negative Amortization affect.

*All principal reduction payments (Balance of mortgage goes down not UP).

How can you lose! We look forward to helping you!