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Financing Your Home >Convertible ARMs

Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.

Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.

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Q	What famous American building was originally built in 1792, burned and rebuilt 1814-1818 and restored in 1952?
A	The White House in Washington, D.C., modeled after an Irish palace, is a sumptuous example of post-colonial architecture.
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Lucy Barraza & Associates, REALTOR®, real estate agents and broker for Tucson, Oro Valley and Marana Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Lucy Barraza & Associates
Realty Executives Southern Arizona
6760 N. Oracle Rd. #101
Tucson, AZ. 85704
Phone: 520-909-7653
Toll Free: 1-800-777-6630
Fax: 520-744-8768
Email: lucybarraza@NUMBER1EXPERT.com
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