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Request my Free South County, Westerly, Narragansett, and Charlestown Relocation Package. It's packed full of useful and important information about the South County, Westerly, Narragansett, and Charlestown, Rhode Island area. Don't move here without it! Remember: I'll send it to you for free and without obligation. Just fill out the form and I will send it right out...

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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	What building has been named the 21st Century Townhouse project?
A	4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete.
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Donna Sormanti-Saglio, REALTORŽ, real estate agent and broker for South County, Westerly, Narragansett, and Charlestown Rhode Island home listings, property and land for sale - NUMBER1EXPERT(tm)

Donna Sormanti-Saglio
RE/MAX Coast and Country
27 Coogan Boulevard, Bldg. 1-B
Olde Mistick Village
Mystic, CT 06355
Office: 860-536-7600
Toll Free: 1-877-8REMAX9
FAX: 860-536-0606
RI Mobile: 401-559-3314
CT Mobile: 860-961-3381
Donna@rirealestateonline.com
Donna Sormanti-Saglio is Your Online Connection to Rhode Island, Florida and Southeastern Connecticut Real Estate! Donna's southern Rhode Island market area, also known as "South County", is a region of quaint towns and seaside villages rich in both Colonial flavor and Victorian elegance. If your dream is to buy your first home or the land to build it on, a luxury waterfront property or an entire sub-division, Donna will help you make your real estate dream a reality. Donna's "Pledge of Quality Service" has earned her the trust and confidence of many satisfied buyers and sellers. She has helped her clients achieve successful results by implementing the newest advances in technology, and quickly responding to the changing conditions in the marketplace. Donna has been a full-time REALTOR professional since 1986 and a RE/MAX multi-million dollar producer. If you are looking for an innovative and experienced professional to represent you in all your real estate transactions, Donna is the only realtor you will ever need. Call or email Donna today, you will be glad you did!

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