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Read What People Are Saying About Me I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
Above Your Peers
“I learned a lot about house buying from you. You are truly an asset to Coldwell Banker.”
Mr. and Mrs. Joe Consiglio
Absolutely The Best
"If there's an award for REALTOR OF THE YEAR (Nationwide) it should be Mrs. Ann Jost.”
S. Porter
Going The Extra Mile
"Your professionalism and hard work were the key to getting my home sold in less that a month.”
W. DeWayne Davids
Home Purchase A Breeze
“She was proactive in every aspect of the process, honest, and very comforting during the stressful time of a home purchase and a move.”
The McKearns
Impeccable Credentials
"I contacted Mrs. Jost directly due to her having assisted us in the purchase of our previous home.”
Dan Demelli
Recommended Without Reservation
"Our real estate agent, Mrs. Ann Jost, is the most competent professional with whom we have done business.”
Mr. and Mrs. Charles Youngs
To Be Commended
"Ann Jost is the best agent I have every purchased a home through!”
Kenneth Kebbell
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
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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| Q |
What are considered the ideal conditions for a buyer's market?
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| A |
In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices. |
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