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  • Why Buyers Choose Klaus Breitsameter - Why homebuyers looking for a real estate agent in the Germantown, Frederick and Gaithersburg area choose Klaus Breitsameter.

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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 area in the U.S. is known for its pre-civil war mansions?

A 
Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums.
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Klaus Breitsameter, REALTOR®, real estate agent and broker for Germantown, Frederick and Gaithersburg Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Klaus Breitsameter
RE/MAX Realty Group

6 Montgomery Village Avenue Suite 200
Gaithersburg, MD. 20879
Phone: 301-921-2681
Email: klausb@md-dreamhomes.com

Klaus Breitsameter is a full-time, licensed real estate professional with RE/MAX serving clients in Maryland, the District of Columbia, and Northern Virginia. No other local agent comes even close to personally making 30,000 cold contacts each year. Klaus canvasses area neighborhoods by knocking on hundreds of doors each day announcing his listings, prospecting for buyers.


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