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Real Estate is more than just buying/selling a house ... it's about finding you a home! Call Howard Whatley at 205.981.1918.

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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 a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
A	Real Estate--it goes through cycles, but still has a long-term record of strong investment return.
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Ronald W. Stokes, CPA, P.C.
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The Whatley Group, REALTOR®, real estate agent and broker for Birmingham, Hoover and North Shelby County Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Howard Whatley
RE/MAX Southern Homes
104 Inverness Corners
Birmingham, AL 35242
205.981.1918
205.527.9318
205.313.8500
Fax: 205.313.8501
Email: HowardWhatley@charter.net
Howard and Kelley Whatley are a successful husband and wife team demonstrating honesty and integrity with a genuine interest in people. Howard and Kelley always make your dreams their goal. When you are buying and/or selling property in today's real estate market, it's important to have confidence in your real estate professional. Howard has carefully selected a team of real estate professionals to help you quickly and effectively sell your house for the highest price in the shortest amount of time and/or locate the home that is perfect for you. From the preparation of your house for marketing as a seller, to the home search as a buyer, to the loan process and closing, Howard and Kelley Whatley and The Whatley Group will use their expertise and proven home-marketing system to provide focused, dependable, and caring results.

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