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Eric Hamilton, Wells Fargo Home Mortgage
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James Flanagan, Attorney at Law, P.C
With a practice dedicated almost exclusively to residential real estate, I take pride in providing personalized service at reasonable rates.
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Reliable Radon Inspections, Inc.
Reliable Radon Inspections, Inc. specializes in professional residential radon testing at a cost competitive price.
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Senior Loan Originator
Avenue Mortgages as a company we don’t focus on being the biggest, only the best.We are hard-working, dedicated and performance driven.
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The Home Inspection Man
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School Reports in Naperville, Plainfield and Lisle, Illinois
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Real Estate Tips
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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Real Estate Trivia
Q 
What is the world's largest palace?

A 
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
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Julia Corkey and Vickie Schoenfeld, REALTOR®, real estate agent and broker for Naperville, Plainfield and Lisle, Illinois home listings, property and land for sale - NUMBER1EXPERT™

Julia Corkey and Vickie Schoenfeld
"Team Elite" RE/MAX Action

1550 Maple Ave.
Lisle, IL 60532
Julia Direct: 630-418-1800
Vickie Direct: 630-842-3401
Fax: 866-761-0283
Toll Free: 800-717-4107
Main: Info@HomesByTeamElite.com

Team Elite works with Buyers and Sellers in most of the Chicagoland area! We pride ourselves on being Ethical and Honest at all times, and strive for 100% in every transaction! We have gone above and beyond in research to insure our sellers have the very best marketing plan available to get their homes sold! We are Luxury Home Marketing Specialists as well as hold a Brokers License.

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