Ozark, Springfield, and Nixa real estate and homes for sale in Missouri - The Home Gardners, REALTORS® The Home Gardners REALTORS(r) for Ozark, Springfield, and Nixa, Missouri real estate - NUMBER1EXPERTS™ The Home Gardners NUMBER1EXPERTS(tm) for Ozark, Springfield, and Nixa, Missouri real estate
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The Home Gardners, REALTORŪ, real estate agents and broker for Ozark, Springfield, and Nixa Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
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From My Affiliates: Ozark, Springfield, and Nixa Missouri home buying, real estate listings, and homes for sale in Christian                      County, MO
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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
Q 
What famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"

A 
Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
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The Home Gardners, REALTORŪ, real estate agents and broker for Ozark, Springfield, and Nixa Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

The Home Gardners
Keller Williams Realty

500 N. 3rd Street, Suite A
Mailing Address: PO Box 1500
Ozark, MO 65721-1500
Phone: 417-581-4900
Fax: 417-581-5025
RickGardner@NUMBER1EXPERT.com

Rick Gardner has been selling the Ozarks since 1983. He and his team "The Home Gardners" are dedicated to making sure "You Get MORE Than You Pay For!" We know real estate fees can be a lot of money, and we intend to make sure you get your money's worth! From a team of experts to a free moving truck to a Guaranteed Sale Program, we will give you the best possible buying or selling experience! Suzie, our 'Home Shopping Hostess' is standing by, waiting to answer all your questions from area info to house info to 1st-time-buyer info. You'll never meet anyone nicer than Suzie, and she can't wait to meet you!

CRS Equal Housing GRI MLS REALTOR wcr


The Home Gardners

Keller Williams Realty real estate and homes for sale in Ozark, Springfield, and Nixa Missouri

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