Santa Fe NM Real Estate, Tesuque and Las Campanas real estate and homes for sale in New Mexico. Santa Fe Luxury Homes and Santa Fe Historic Eastside - Nobél Davis, REALTOR® Nobél Davis REALTOR(r) Santa Fe Real Estate, luxury homes, historic eastside - NUMBER1EXPERT™ Nobél Davis NUMBER1EXPERT(tm) Santa Fe NM Real Estate, Tesuque and Las Campanas, New Mexico.

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Real Estate Tips
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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Real Estate Trivia
Q 
What is a "jumbo mortgage"?

A 
The term "jumbo mortgage" currently refers to a mortgage loan in excess of $359,650, although the threshold amount may change as the market fluctuates.
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Nobél Davis, REALTOR®, real estate agent and broker for Santa Fe, Tesuque and Las Campanas New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Nobél Davis
Santa Fe Exclusives, Inc.

119 W. Coronado Rd.
Santa Fe, NM. 87505
Phone: 505.988.4040
Toll Free: 888.300.5580
Fax: 505.988.3736
Email: Nobel@SantaFeExclusives.com

Nobél Davis is the only Santa Fe Realtor® specializing exclusively in luxury homes. For more than 20 years she has concentrated solely on luxury real estate. Cultivating this focus has made her a luxury home specialist in the Santa Fe real estate market.

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Santa Fe Exclusives, Inc. real estate and homes for sale in Santa Fe, Tesuque and Las Campanas New Mexico




The data relating to real estate for sale in this web site comes in part from the Internet Data Exchange (IDX) program of SFAR MLS Inc. Real estate listings held by brokers other than Santa Fe Exclusives are marked with the IDX Logo. All data in this web site is deemed reliable but is not guaranteed.

"All real estate advertised herein is subject to the Federal Fair Housing Act and the New Mexico Fair Housing Act, which Acts make it illegal to make or publish any advertisement that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin.

SFAR MLS, Inc. will not knowingly accept any advertising for real estate that is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis."

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