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Adam made my move worry-free...
In 28 days, Adam brought me a buyer who paid 100% of our listing price.
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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Adam Hopkins is one of The Top Selling Real Estate Experts™
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School Reports in Lynchburg, Forest and Campbell County, Virginia

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Schools in Lynchburg, Forest and Campbell County

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	In what 2003 comedy does a very large family move to a new house on Forest Avenue in Evenston, Illinois?
A	"Cheaper by the Dozen", starring Steve Martin, was actually filmed in a house in Los Angeles near the Farmer's Market.
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Adam Hopkins, REALTOR®, real estate agent and broker for Lynchburg, Forest and Campbell County, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Adam Hopkins
The Hopkins Real Estate Group
22776 Timberlake Rd Suite E
Lynchburg, VA 24502
Phone: (434) 444-7136
Email: TheHopkinsGroup@gmail.com
As the Number 1 Real Estate Expert in the Greater Lynchburg area since 2002, Adam Hopkins specializes in getting your home sold faster and for more money, through his attention to details that most agents miss, and through exclusive consumer services and programs that other companies simply do not provide. Call Adam today to see what a difference his service can make for you as you buy or sell your home!

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