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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Frank Peoples Team, a proven Mobile, Saraland and Daphne, Alabama NUMBER1EXPERT™ Top Selling real estate agents.
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School Reports in Mobile, Saraland and Daphne, Alabama

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Schools in Mobile, Saraland and Daphne

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 Pasadena, California house was the movie home of the eccentric "Doc" Brown in the 1989 film, "Back to the Future"?
A	The famous Gamble House, a landmark of Craftsman architecture, is now open to the public for tours.
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The Frank Peoples Team, REALTOR®, real estate agents and broker for Mobile, Saraland and Daphne, Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

The Frank Peoples Team
Keller Williams
6333 Cottage Hill Rd.
Mobile, AL. 36609
Phone: 251-662-5660
Fax: 251-660-5088
Email: Frank@FrankPeoples.com
Frank & Carolyn Peoples have built their Real Estate career of over 15 years on offering excellent customer service and a true concern for the welfare of their clients. Staying in contact with customers and offering their listings the most cutting-edge in marketing makes them one of the most sought-after realtors in the Mobile area. They are proud to call Mobile home for 27 years and are excited over the upcoming economic growth about to explode in the Mobile area. They are eager to welcome you to Mobile and await the opportunity to serve you and your Real Estate needs.

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