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Southbury, Woodbury and Newtown Information:
About Southbury, Woodbury and Newtown - Moving to Southbury, Woodbury and Newtown, Connecticut? Get info here... School Reports - Reports for Southbury, Woodbury and Newtown schools kindergarten, elementary, and high schools. School Information - Southbury, Newtown, and Woodbury schools and the education system in Connecticut; kindergarten, elementary, high schools, colleges & universities Relocating? - Free real estate information & relocation package if you're relocating to Southbury, Woodbury and Newtown, in New Haven County CT. Local Maps & Links - Southbury, Newtown, and Woodbury maps & local/Connecticut web site links for news & media, TV stations, radio stations, daily Southbury, Newtown, and Woodbury newspapers, transportation, airports & bus terminals, Connecticut & local government, and more. Go to Main Sitemap - Main sitemap sections include Find Southbury, Woodbury and Newtown Homes, For Home Buyers, For Home Sellers, Southbury, Woodbury and Newtown Information, Real Estate Resources, and About Nettleton and Aronheim Group. 
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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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Nettleton and Aronheim Group
William Raveis Real Estate
385 Main Street South
Southbury, CT. 06488
Phone: 203-264-1080
Fax: 203-264-6425
Email: ronnettleton@NUMBER1EXPERT.com
Ron Nettleton of William Raveis Real Estate is consistently one of the top real estate agents in the Southbury area receiving numerous awards. Ron has been satisfying clients and customers in sales for over 28 years, giving unparallel service and dedication. He strives for excellence by providing his clients with extensive knowledge and quality of service. Ron's negociation skills, sense of fairness and strong commitment to his clients needs have won him the respect he enjoys.    
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