1425 Clarkview Road
Suite 700
Baltimore, MD 21209

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680 Tram Way

$249,999 SOLD!!

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Address: 680 Tram Way	City/ST: Westminster, MD	Zip Code: 21158
Property Type: Townhouse	New or Resale: New	Square Footage: 1900
Bedrooms: 3	Bathrooms: 2 full, 1 half	MLS# CR152610

Last Updated: 12/3/2009 2:41:41 PM

Listing Agent and Office: Corey Campbell, Yerman, Witman, Gaines & Conklin Realty

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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	Legend has it that when Brigham Young first saw this city in 1847, he exclaimed: "This is the place!"
A	Salt Lake City, Utah.
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Corey Campbell and Nicholas Kellar, REALTOR�, real estate agent and broker for Owings Mills, Reisterstown and Westminster, Maryland home listings, property and land for sale - NUMBER1EXPERT

Corey Campbell and Nicholas Kellar
Yerman, Witman, Gaines & Conklin Realty
1425 Clarkview Road, Suite 700
Baltimore, MD 21209
Corey Cell: 410-236-1339
Nicholas Cell: 443-375-2224
Corey's Direct line: 443-798-7856
Nicholas Direct line: 443-798-7858
Fax: 410-583-0222
Email: CKG@YWGCRealty.com
As a team, we deliver a positive, high energy, and hard work ethic to our clients! It's a given that we will provide the highest level of service and loyalty, while using our knowledge of the industry, market, and area to help meet your goals! While putting your needs first, we continually strive towards earning your trust and business in building a longstanding relationship! We value the significance that a real estate transition is in one's life. That being said, we will practice empathy and patience in guiding your best interests from contract to settlement!

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