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School Reports in Lafayette, West Lafayette and Purdue University, Indiana

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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 is arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
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Mary Holtz and Kent Brewer, REALTOR®, real estate agent and broker for Lafayette, West Lafayette and Purdue University, Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary Holtz and Kent Brewer
Coldwell Banker Shook
427 Main Street
Lafayette, IN 47901
765-447-6938
Fax: 765-447-6938
Mary@MaryHoltz.com

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