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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 541-484-2625.
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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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Kathie is a Caring and Honest Person
The last home she helped us find was so great we stayed in it for 14 years.
Ron and Lynda Glenn, Redmond, Oregon
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Find Out About the Latest Eugene and Springfield Area Homes for Sale Before Anyone Else!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the Eugene and Springfield, Oregon area MLS, and even later on the national listings web sites, if at all. By signing up to receive my latest listings, I'll send you an email notice instantly -- as soon as my latest homes for sale go online. You'll find out first, before other Eugene and Springfield buyers. There is absolutely no obligation, and this service is free of charge. Don't miss out! Just fill out the form to get started...
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 a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
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Real Estate--it goes through cycles, but still has a long-term record of strong investment return. |
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- NUMBER1EXPERT™ 
