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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.
The Ronding Team RE/MAX 1 2911 Tower Avenue, Suite 2 Superior, WI 54880 Direct: 218-348-SOLD (7653) Superior, WI Office: 715-392-1111 Duluth, MN Office: 218-722-2810 JimRonding@NUMBER1EXPERT.com
Jim Ronding has been a professional full-time Realtor for over 22 years in the Twin Ports area. Jim has consistently ranked in the top 5% of real estate agents nationally in terms of number of homes sold. Jim, along with the wonderful support of his staff, and RE/MAX 1, will make your next move your smoothest transaction yet! Guaranteed!
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