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Local Info: Katy, West Houston and Southwest Houston Texas home buying, real estate listings, and homes for sale in Harris County, TX

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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	In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
A	Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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Anthony J. Castagna, LLC, REALTORŽ, real estate agent and broker for Katy, West Houston and Southwest Houston Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Anthony Castagna LLC - RE/MAX Fry Road
Anthony J. Castagna, President
920 Fry Road
Katy, TX. 77450
281-599-6513
281-599-6501
832-282-0951
866-257-6501
Fax: 281-579-2163
Email: anthony@anthonycastagna.com
Hello, I am Anthony Castagna, and I have been a homeowner in Houston, Texas since 1979. I am here to tell you that there isn't a better place to live for the smallest bite out of your income than in Houston, and in particular, the west side of Houston.

I'm fully equipped to introduce you to some of the finest areas with the best school systems, on lakes, golf courses, with trees or not, standard or acreage lots, large or small homes, custom or semi custom, and new as well as previously owned homes.

I will act as your hard-nosed buyers agent or represent you equally as well as your listing agent equipped with all the advertising tools to sell your home.

Remember, in the Houston area RE/MAX sales associates outsell their next four competitors combined, year in and year out. I can save you time and money. I will be very pleased to represent you.

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