Powhatan and Western Richmond real estate and homes for sale in Virginia - Lummie W. Jones, REALTOR® Lummie W. Jones REALTOR(r) for Powhatan and Western Richmond, Virginia real estate - NUMBER1EXPERT™ Lummie W. Jones NUMBER1EXPERT(tm) for Powhatan and Western Richmond, Virginia real estate

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Lummie W. Jones, REALTOR®, real estate agent and broker for Powhatan and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)
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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
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What is the average price for a home in the United States?

A 
According to recent data published by the NAR, the national median price for existing single-family homes is now $230,000.
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Lummie W. Jones, REALTOR®, real estate agent and broker for Powhatan and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Lummie W. Jones
Napier Realtors ERA

2600 Rocky Oak Road
Powhatan, VA. 23139
804-598-7700
800-326-0869
804-897-3001
Fax: 804-598-7703
Email: lummiejones@NUMBER1EXPERT.com

Lummie Jones "Outstanding In Her Field" NUMBER1EXPERT™ Lummie Jones has been helping families like yours find their dream homes in Powhatan and the surrounding areas since 1983. Lummie's dedication to her career and service to her clients is why Lummie is "Outstanding In Her Field" by her clients and customers. Her active involvement in her community, the Richmond Board of Realtors and the Homebuilders Association of Richmond keeps her up to date on important issues impacting today's buyers and sellers. Lummie knows knowledge about her business is powerful and is one of the ways to assure you exceptional service. "I love to showcase my home Powhatan, and the Richmond area. This area is such a great place to live, and by working with new buyers and sellers one of the nicest things about my job is I haven't met my next friend yet," says Lummie. Lummie is truly a professional who looks forward to the opportunity to serve her clients and customers.


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