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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 was the first territorial acquisition made by the U.S. Government?
A	The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%.
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Sue De Legge, REALTORÂŽ, real estate agent and broker for Encinitas, Olivenhain and Carlsbad California home listings, property and land for sale - NUMBER1EXPERT(tm)

Sue De Legge Lic. # 01304408
Gina De Legge Lic. # 01746528
Coldwell Banker
162 South Rancho Santa Fe Road, Suite A-30
Encinitas, CA 92024
Cell Phone #: 760 207-7749
Office Phone #: 760 635-4402
Office Fax #: 760-436-5229
Awarded among the top 30 agents of San Diego, Sue De Legge has the track record and experience necessary to reach all your real estate goals. Her sincere dedication and commitment to excellence provides you the service and results you deserve, therefore, setting her apart from others in the industry. Past clients praise her professionalism, personalized service and attention throughout the entire process of buying and selling their homes. Serious home seller's & buyer's use Sue De Legge as their preferred real estate professional of choice.

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