Coeur d'Alene, Post Falls and Hayden real estate and homes for sale in Idaho, waterfront real estate, condos - Sherry Zellars , REALTORS® Sherry Zellars REALTORS(r) for Coeur d'Alene, Post Falls and Hayden, Idaho real estate, waterfront real estate, condos - NUMBER1EXPERTS™ Sherry Zellars NUMBER1EXPERTS(tm) for Coeur d'Alene, Post Falls and Hayden, Idaho real estate, waterfront real estate, condos
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Sherry Zellars , REALTORŪ, real estate agents and broker for Coeur d'Alene, Post Falls and Hayden Idaho home listings, property and land for sale - NUMBER1EXPERT(tm)
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Resources: Coeur d'Alene, Post Falls and Hayden Idaho home buying, real estate listings, and homes for sale in Kootenai County, ID
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Special Offers: Special offers for Coeur d'Alene, Post Falls and Hayden homeowners from Sherry Zellars , top Realtors
Affiliates: Sherry Zellars 's real estate web site affiliates
eNewsletter: Sherry Zellars 's Coeur d'Alene, Post Falls and Hayden newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Idaho, and United States
Market Conditions Report: Market conditions report for this area, Idaho, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Coeur d'Alene, Post Falls and Hayden Idaho mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Idaho or buy your own Coeur d'Alene, Post Falls and Hayden house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Coeur d'Alene, Post Falls and Hayden mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Idaho real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Sherry Zellars anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Sherry Zellars 's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Sherry Zellars 's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Coeur d'Alene, Post Falls and Hayden property in Idaho, including legal terms definitions, and more



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Real Estate Tips
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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Real Estate Trivia
Q 
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?

A 
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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Sherry Zellars , REALTORŪ, real estate agents and broker for Coeur d'Alene, Post Falls and Hayden Idaho home listings, property and land for sale - NUMBER1EXPERT(tm)

Sherry (Zellars) Brower & Phil Brower
Realteam Real Estate Center
296 W Sunset Ave.
Coeur d'Alene, ID. 83815
Direct Line to Phil: 509-993-3644
Toll Free: 1-866-490-7871
Fax: 509-892-1086
Home office Phone: 509-892-1086
Sherry's cell : 208-661-0191
Email: phil@lakecityteam.com
Email: cdapeanut@yahoo.com

SHERRY is a 16 yr Realtor who is the team manager. She works behind the scenes and negotiates the sales. Phil IS ONLY ONE CALL OR E-MAIL AWAY FROM HELPING YOU FIND THE RIGHT PROPERTY!! WHETHER IT'S A SMALL COTTAGE, A BRAND NEW HOME, A LUXURY WATERFRONT ESTATE, 5 ACRES OF RAW LAND, OR A DUPLEX, he is constantly previewing all newly listed properties. When you hire us (at no extra charge to you) we will give you our full attention starting with, LISTENING to your NEEDS & DESIRES, e-mailing you lots of PROPERTY PHOTOS to review privately, recommending experienced lenders with the BEST LOANS, suggesting favorite ACCOMODATIONS for your visit, showing you YOUR CHOICE of properties, negotiating for your BEST INTERESTS, recommending INSPECTORS who have a critical eye, TITLE Companies to expedite the paperwork, & recommending CONTRACTORS to make the property your own. We specialize in helping you make your next move the best you've ever had!! Representing a dedication to his profession, Phil is a candidate of the Certified Residential Specialist designation. Phil would love to talk to you about your real estate needs and get you started toward owning property in North Idaho, so call him today!

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