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"Compassion, Knowledge & Professionalism"

"We wanted to thank you for all you did for us. Your compassion, knowledge and professionalism helped to ease the process of selling our home.

Please stop by our new home if you are in the area. You are always welcome."

Jeff and Karen Sidoti

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School Reports in Clifton, Nutley and Caldwell, New Jersey

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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	Who is "Freddie Mac", and why is he a big name in real estate?
A	"Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans.
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Pick Pina and Her Team, REALTOR®, real estate agent and broker for Clifton, Nutley and Caldwell, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Pick Pina and Her Team
Coldwell Banker Residential BrokerageResidential Brokerage
789 Clifton Ave
Clifton, NJ 07013
Office: 973-594-4312
Fax: 973-773-5133
Pina@PickPina.com
As a real estate professional, Pina has helped many people buy or sell their homes. Being a long time resident, Pina is very knowledgeable of the market area. Finding the right person to trust with your biggest investment is important. Pina understands the needs of families in transition and her expertise will be of comfort

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