Rancho Cucamonga and Alta Loma real estate and homes for sale in California - Dan and Carol Kirksey, REALTORS® Dan and Carol Kirksey REALTORS(r) for Rancho Cucamonga and Alta Loma, California real estate - NUMBER1EXPERTS™ Dan and Carol Kirksey NUMBER1EXPERTS(tm) for Rancho Cucamonga and Alta Loma, California real estate
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Dan and Carol Kirksey, REALTORŪ, real estate agents and broker for Rancho Cucamonga and Alta Loma California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
What oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?

A 
According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Dan and Carol Kirksey, REALTORŪ, real estate agents and broker for Rancho Cucamonga and Alta Loma California home listings, property and land for sale - NUMBER1EXPERT(tm)

Dan and Carol Kirksey
Century 21 Experience

9849 Foothill Blvd. Suite G
Rancho Cucamonga
CA 91730
909-481-0656
800-221-SELL (7355)
Fax: 909-481-4693
danandcarol@thekirkseys.com

Dan and Carol have been real estate professionals for over ten years. They bring to this business a solid background of management and finance that services their clients well in today's complex real estate market. In addition to their real estate licenses, they also hold a broker's license.

Equal Housing MLS REALTOR


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