Refi Tip of the Day

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If you bought your home during the housing bubble you may have an adjustable rate mortgage (ARM) that is getting ready to adjust soon. Now is a great time to refinance, but you already knew that. A cheaper alternative to refinancing is called an "ARM to Fixed Rate Conversion". Not all lending institutions offer it, but check with yours. It is a great way to lock in a low rate, and will only cost you a couple hundred dollars in fees compared to a couple thousand that you'll have to suffer through with full fledged refinancing.

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