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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Lynn Skuraton, a proven Millburn, Short Hills and Livingston, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find Millburn, Short Hills and Livingston Homes - Find Millburn, Short Hills and Livingston, New Jersey real estate listings & homes for sale provided by Lynn Skuraton, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Lynn Skuraton, a proven Millburn, Short Hills and Livingston, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Lynn Skuraton, a proven Millburn, Short Hills and Livingston, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Millburn, Short Hills and Livingston Information - Find local information on Millburn, Short Hills and Livingston, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Lynn Skuraton, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Lynn Skuraton, a proven Millburn, Short Hills and Livingston, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Lynn Skuraton - Information about Lynn Skuraton including testimonials, guarantees, credentials, and contact information. Learn why Lynn Skuraton is a proven Millburn, Short Hills and Livingston, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 
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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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