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Show The OcivT Prcrs "rl know what your monthly principal and interest payment will be, so your kr.cwr.: 1! ycu a'w?-- basic housing cost will remain interest-ratunaffected by until the changes mortgage is Off. ps:d Mortgages that ent3il iiexi- -t !o rates andor payments have g'c.v in popularity in recent years, primarily during periods cf high interest rates andor rapidly rising home prices. Many, including the popular ARMs Rate (Adjustable Mortgages), offer initial interest rates that ai!cw buyers a measure of atfordafciiity unavailable in fixed-ral- e loans. The trade off may be higher interest rates and higher monthly payments later on. What are trie different types of lenders, and how do choose the right one for me? Before someone lends you the money to purchase your hone, they'll went to know a lot about you. And you're entitled to knew as much as you can about F3 4J e Mortgages gpptyny or ncei' ?t you VVben moit-gag- e, re.v pieces of 'rionc'on: Name &r.J Socai Sowunty number of each applicsnt Cureni address Phone number where you can be reached Monthly sa'ary end sources cf income (include cild SjCport cr alimony received) Information on !?.rgtn of employment, end employer address and phone number What is a mortgsgs, and what are the benefits cf different kinds of mortgages? Simply put, a mortgage is a loan that a hcmv.buyer cbia'ns directly from a lender to purchase real estate. The norgaj? is a lien on the property that secures a promissory (promise to repay the debt) that states the terms of the loan, including the interest rate and the number of payments. The most popular mortgages available to home buyers today can be divided into two general categories: those that offer fixed interest rsces and monthly payments, and those in which one or both of those factors are adjustable. ar of Si a( B ar Ar se Dr Ut 71 Tv of tvvo-tiii- rm ag Nice cottage vs. Master Degrees in Beaver furnace, : ... It t CONTACT YOUR CENTER TOD. AY! sbed. estate professional about the lenders you have in mind. Experienced sales professionals are quite familiar with morreputation, its qualifying procedures, and the unique programs and benefits it offers home buyers. Are there any mortgages e especially designed for first-tim- buyers? first-tim- e Today, buyers enjoy a number of mortgage options that make purchasing a home more affordable by mindown payments and imizing keeping monthly payments as low as possible during the early years of the loan. Most ARMs feature an interest rate that is below market for the first year and may only rise gradually after that. VA-- and d loans call for extremely low down pay- - 30 ments (zero to five percent of the purchase price) and often offer a interest rate. Similarly favorable terms can be arranged with the help of private m.rtgaoe insurance or below-mark- tgage lenders and can give you sound advice about a lender's get- fS"' S $65!iuuO i acre feet of underground water rights ia Milford Valley. $135,000. et commercial, water rights, new construction, farmland, ranch properties, 1031 exchanges, relocations, historic home registry, mineral rights, mining properties and raw land invest- PMI. who can Finally, find a cooperative seller or third-parinvestor can look into such first-time- of real estate including residential, We specialize in all types rs ments. ty financing methods as a leasebuy arrangement. (824) al Set Rid of: FINANCING TIP Comp III f Anyone can apply for an provided the loan amount doesn't exceed the maximum allowed by law FHA mortgage Stop by our office ERA Brokers Consolidated at 395 South Main Street, or call for nil of your Real Estate needs! J all I I . . . J all oj Beatei M&ioirtf if .7 5 1 -- f - 11 wHw.compbugs.com M. FHA-insure- real Newly remodeled with new orjeftO. and new roof. Includes storaje Nice 5 acre lot in Escalante Va!!cy Raachos. Includes 1 AF water right. Wide c??n spaces for great country living. $15,000. r vices. to your ERA 463-222- 463-222- Psychology 8 As Taik vM h.W V ! I 386-222- the preferred lender for ERA Real Estate, ERA Mortgage provides all such services. in: 'Interdisciplinary Studies ting a mortgage is not just a one-tim- e signing of documents, a handshake and a check. You will be depending on your lender to fund the loan as promised, on time, and over the life of the loan; to keep good payment records, pay your taxes and insurance (if included in your monthly payment), and to perform many other continuing ser- loans are more traditions and remain the most popular home financing method, currently accounting for about of all residential mortgages. Their advantages are well- I "Making a better place to live, one home at a time" 8 - Kandi (435) 0 Byron: (435) - bmuirinfowest.com 0 Fax (435) Husincis them too. because A H Your Beaver County Real Estate Team Farn an Associate Degree I 84 CO Transfer credit to another school Earn a Bachelor Degree II Bvron & Kandi Muir What can USU do for you? lower-than-r.ark- et It's important hil A Brady Davids p. OwnerTechnician de Co --fan wit -t- fX --Sse sfcHE Ill T 1 Th, '0 on st --Rii -- Jt -- coi Bsavsp Da 20( By I Att( Fi'lmors i INC Sal I a 1 a. 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Tf, 2 Miles On Hwy 163 Miiford Active Adult Coif Community MAIT'S SPRINGS & TRAILERS Sivfj Open 24 Hrs 628-280- SS5-920- 674-700- 7 506-323- 2 9W 1333 S 12 Viirsdows 8-- 6 PIONEER FLOOR COVERINGS " (fe-- Octot 2006. Won - Sat - I -- Ft-?- & Cheese Outlet www.rHamUk.comcifamart Remember Us For Your Christmas Shopping Gw Paul Beavi 586-017- 2 City For A!! Types Of Livestock TWIN MOUNT RimFMMSXSoAMiRKA Dr s' North - Cedar City BURT07J LUMBER 5 :i 444 3S7-S99- 7 PAINTER'S RV & BOATS 15C3 !X! 10 Miles West Of Beaver PAINTER'S SON - 380 S Main Cedar City 433-556- 4 4 1600 3 Hilton 586-699- 6 HAROLD BRADSHAW LIVESTOCK CartBOdent COUNTRY CHRYSLER ( 51 E 3 swin ution sprinkler 2 4 Call Us m college ' 1335 S Dixie Dr St. George Membar American Optome&ric Association Student AdnVioss slauc llmkvtzy 99 S IMPERIAL WINDOW OPTOMETRIST 3 trww.amerH'.h.du Shittt OS ) - . J E Cedar City CROSS CHEEK PE0SRA&1S 11 940 743-433- 4 OR. L0Y D. BROWN, You Dig! Gave Of Themselves To Keep Us Free fr;""- - TksiK SvHtit loior Pel i Kl Tkh Cetitr(al Ertsltktt Fr Ucl Sjrjfsis li Sifq 88 E 103 South - Minersvillc 535-070- facili ri TIP l"tl M 3 241 N Main Gtdyr City III Rerfvmcnd, 4 Hwy 5S Before W'-zz- i 435-628-80- KEEN RIVER GAS Reminds 7 friends. -- You To CsSX A3 Hrs Ti f ivet Dealer - 225 S Jm Utaii's Exclusive 529-124- fSjursery St., Publis honor all the men and women who ook time oitt of ifteir lives to serve in our armed forces, a:ict especially all the Veterans in our area who are our K N( ' N Main Gt Cedar City DEFEND OUR Ji l f GIV eso 037-- 1 1145 FREEDOM: We're proud to Put Oct arte Tl -!- .!. - VlVrs:a few lee- FOUGHT TO Cedar Cilv ix VETERANS 7H WHO HAVE est -- Hise -- r 387-526- 6 Hrs A Day - 777 W Hwy 21 - Miiford MERICA'S;';!?' FINEST.;:"' |