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For Realtors: Fairhope, The Eastern Shore and Baldwin County Alabama home buying, real estate listings, and homes for sale in Bladwin County, AL

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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 has been described as the world's most beautiful building?
A	The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife.
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John Fowler, REALTOR�, real estate agent and broker for Fairhope, The Eastern Shore and Baldwin County Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

John Fowler
Coldwell Banker Reehl Properties
24190 U.S. Hwy 98
Fairhope, AL. 36532
Office: 251-990-6622
Toll Free: 800-960-6622
Cell : 251-591-2386
Fax: 251-990-6009
Email: JohnFowler@NUMBER1EXPERT.com
John Fowler has been a top producer in the South Alabama area for over 30 years. If you are interested in buying or selling in Fairhope, Daphne, Spanish Fort, Baldwin County or Mobile, give John a call. Put John's extensive experience, his love of helping people with their real estate needs and his use of cutting edge technology to work for you.

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