Refi Tip of the Day
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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