Hillcrest real estate, Mission Hills real estate and San Diego real estate and homes for sale in California - Bobby Stefano, REALTOR® Bobby Stefano REALTOR(r) for Hillcrest, Mission Hills and San Diego, California real estate - NUMBER1EXPERT™ Bobby Stefano NUMBER1EXPERT(tm) for Hillcrest, Mission Hills and San Diego, California real estate
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Bobby Stefano, REALTORŪ, real estate agent and broker for Hillcrest, Mission Hills and San Diego California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 619-325-4111.

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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 
Where is the world's oldest hotel?

A 
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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Bobby Stefano, REALTORŪ, real estate agent and broker for Hillcrest, Mission Hills and San Diego California home listings, property and land for sale - NUMBER1EXPERT(tm)

Bobby Stefano
Ascent Real Estate

410 Kalmia St
San Diego, CA. 92101
Direct: 619-299-9200
Mobile: 619-459-5900
Fax: 619-325-0750
Email: bstefano1@cs.com

Bobby Stefano is a top producer in the Metro and coastal area of San Diego. Chairmans Circle Award Winning Agent for the past five years running!Top 5% of agents in The U.S.A!!

REALTORMLSEqual HousingSRES


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