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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As top Vero Beach, Melbourne and Treasure Coast area real estate agents, it's our job to know more about a property than any web site. Make sure you have the most current information!

School Reports in Vero Beach, Melbourne and Treasure Coast, Florida

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Florida Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Vero Beach, Melbourne and Treasure Coast

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 mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
A	Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Peter Tobia and Carol Taylor, REALTOR®, real estate agents and broker for Vero Beach, Melbourne and Treasure Coast, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Peter Tobia and Carol Taylor
Thorpe - Sotheby's International Real Estate
675 Beachland Boulevard
Vero Beach, FL 32963
732-735-5114: 908-331-0669
petertobia@NUMBER1EXPERT.com
We specialize in Oceanfront, Indian Riverfront, Vero Beach Barrier Island, local waterfront communities and finer neighborhoods along Vero Beach and the Treasure Coast. Proudly serving Vero Beach, John's Island, Orchid Island Golf and Beach Club, Indian River Shores, Windsor, Sea Oaks, The Moorings, The Indian River Club, Grand Harbor, Wabasso, Sebastian and the Melbourne Beaches. Carol is a licensed REALTOR, has a Graduate Realtor Institute designation and over 29 years of Real Estate sales experience, as well as dozens of sales awards for outstanding achievements. Peter is a licensed REALTOR and a licensed Professional Engineer, with extensive residential building and development experience and knowledge. Find out why Money Magazine has named the Vero Beach, Indian River County region as "One of the best places to live in the nation" several years in a row. Come join us for "Another Day in Paradise" at Vero Beach! We are the Vero Beach, Melbourne and Treasure Coast NUMBER 1 Real Estate EXPERTS. Call or e-mail us today!

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