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From Our Affiliates: Killeen, Fort Hood, Harker Heights and Copperas Cove Texas home buying, real estate listings, and homes for sale in Bell County, TX

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Depending on the location of your new home, our office will provide you with a list of water, electric, cable and other companies you may need to contact in order to make your move a smooth transition.

Builder
B.A. Emmons Homes

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Insurance
Extraco Insurance

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Mortgage
McAfee Mortgage

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Title
Monteith Abstract & Title Company

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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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Q	What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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Builder
B.A. Emmons Homes
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The Elite Real Estate Team, Broker, real estate agents and broker for Killeen, Fort Hood, Harker Heights and Copperas Cove Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

"the elite group"
Coldwell Banker United, REALTORS
Stan Schlueter Plaza
501 W. Stan Schlueter Loop, Suite 108
Killeen, TX. 76542
Direct: 254.526.3607
Toll Free: 866.693.3535
Fax: 254.526.9352
Email: KeithTobas@NUMBER1EXPERT.com
Combining my extensive knowledge of the Ft. Hood Area with my expertise in real estate will produce "results" for you. My commitment is to my clients. I want to help you achieve your dreams by finding the home you are looking for at a price you can afford. As your "Accredited Buyer Representative", I will act on your behalf and negotiate in your "best" interest. Bottom line...Contact Keith Tobas, ASSOCIATE BROKER for RESULTS!

www.keithtobas.com is brought to you by The Coldwell Banker United, REALTORS
NUMBER1EXPERTS™ in real estate for Killeen, Fort Hood, Harker Heights and Copperas Cove, Texas, residential homes, rentals, property management

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