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Boca Raton Waterfront Luxury Homes

  • Bel Lido
  • Bel Marra
  • Byrd Beach
  • Boca Bay Colony
  • Boca Harbor
  • Boca Keys
  • Caribbean Keys
  • Estates Spanish River Land
  • Golden Harbor
  • Grand Cay
  • Harbor East
  • Kinney & Gates
  • Lago Mar
  • Lake Boca Raton
  • Lake Rogers
  • Por La Mar
  • Royal Palm Yacht & Country Club
  • Spanish River Land
  • Sun & Surf
  • The Estates
  • The Sanctuary
  • Walkers Cay Tropic
  • Walkers Isle

Boca Raton Intracoastal Condos

Boca Raton
  • Admirals Walk
  • Berkeley Square
  • Boca Beach Apts
  • Boca Inlet
  • Boca Reef
  • Boca Towers
  • Carlton
  • Corniche
  • Esplanade
  • Greenbriar
  • La Font
  • La Fontana
  • Lake House South
  • MayFair
  • Meridian
  • Newth Gardens
  • Ocean Club
  • Patrician
  • Reflections
  • San Remo
  • Sea Ranch
  • Tierra Del Mar
  • Yacht & Racquet Club

Boca Raton New Construction

Homes:

  • Azura
  • The Oaks At Boca Raton
  • The Preserve

    Townhomes:

  • Central Park
  • Fairfield Gardens
  • Royal Poinciana
  • Royal Woods
  • Trieste
  • Tuscany Village
  • Vistazo at Boca Raton
    Condos:
  • 200 East
  • 5 Palms
  • Boca Grand Condo
  • Coronado At Boca Raton
  • Excelsior
  • Luxuria
  • Meridian
  • Palmetto Place
  • Townsend Place

    • Palm Beach Foreclosures
    Loan Programs Print E-mail
    Providing valuable resources for our Real Estate Buyers and Sellers is our top priority.

    There are two main types of loan programs available to potential home owners.

    The first of these two types is the fixed rate mortgage. Fixed rate mortgages are loans where the interest and the principal payments remain the same for the entire loan period. Some advantages of fixed rate mortgages are that there are consistent principal and interest payments, so you won't need to worry about market fluctuations. This type of loan is good for buyers planning on staying in the house for a long time. A disadvantage of this type of loan is that they are usually priced higher than adjustable rate mortgages. If current market rates are high, an adjustable rate loan will likely have better prices. Fixed rate mortgages can have terms of 30, 20 or 15 years. This means that the monthly payments are consistent for 30, 20 or 15 years respectively. Thus, if the market is good at the time of purchase, buyers can lock in the lower interest rate for the term of the loan. The shorter termed loans are advantageous because the loan can be paid off more quickly, meaning less interest will be paid. Shorter termed loans also result in higher payments than the longer termed loans. If the buyer can handle the higher payments, shorter termed loans are beneficial in the long run.

    The second type of loan program is adjustable rate mortgage (ARM). Adjustable rate mortgages have interests that change over the life of the loan. The initial interest rates, and thus monthly payments, are lower for ARMs than for fixed rate mortgages. Even though interest rates may be adjusted at predetermined times, most programs offer rate cap protection, which limits the amount interest rates can be increased. ARMs are the best choice for owners who plan to relocate in the near future (3-5 years). A disadvantage of ARMs is the possibility of increased monthly payments if interest rates do increase. All ARMs are amortized over 30 years. ARMs can be purchased as X/1 ARMs. X can be 10, 7, 5 or 3, and represents the number of years the ARM is held at a fixed initial rate before adjusting every year thereafter. Buyers should plan to move after X years since after the Xth year, rates may increase.


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    Highland Beach Oceanfront Condos

    Highland Beach
    Oceanfront Condos

  • Ambassadors North
  • Ambassadors South
  • Beach Walk
  • Carlton House
  • Clarendon
  • Highlands Place
  • Highland Towers
  • Ocean Dunes
  • Ocean Pines
  • Ocean Terrace
  • Parker Highland
  • Penthouse Towers
  • Townhouses of Highland
  • Trafalgar Highland Beach
  • Villa Magna
  • Villa Mare
  • Villa Nova
  • Villas of Highland Beach
  • Wiltshire House

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    Highland Beach Intracoastal Condos

    Highland Beach
    Intracoastal Condos
    • Aberdeen Arms
    • Bel Lido Estates Condo
    • Boca Cove
    • Braemar Isle
    • Camelot On Atlantic
    • Carron House
    • Casa Marina
    • Casuarina
    • Coronado
    • Dalton Place
    • El Dorado Condo
    • Highland Beach Club
    • Highland Court
    • Monterey House
    • Penthouse Highlands
    • Regency Highland
    • Seagate Highland Condo
    • Toscana
    • Villa Costa

    Boca Raton Foreclosures

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    Boca Raton Country Clubs

    • Boca Club 
    • Boca Country Club
    • Boca Greens
    • Boca Grove CC
    • Boca Lago
    • Boca Pointe
    • Boca West CC
    • Boca Woods CC
    • Bocaire CC
    • Broken Sound CC
    • Polo Club CC
    • St. Andrews CC
    • Stonebridge CC
    • Woodfield CC

    Homes in East Boca Raton

    Homes in Central Boca Raton

    Homes in West Boca Raton

    Rent vs. Buy Calculator

    Am I better off renting or owning? This calculator will show you the financial differences between the two.
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