Save money and secure peace of mind.

Want the stability of a fixed-rate mortgage and the flexibility of an adjustable-rate mortgage (ARM)? Many borrowers opt for the security of a fixed-rate loan, yet our Convertible ARM can give you lower rates and stability. This ARM features the lower rate of an adjustable-rate mortgage, plus the option of converting to a fixed-rate loan! Lower your interest rate risk and save money. Consider the Convertible ARM.

Be your own banker. Let?s say you think fixed rates are headed lower. Lock in the lower payments of an ARM, and then convert to a fixed-rate either before the loan closes or up to five years after. Convert at any time (not just at adjustment time), and you?re not limited to the rates available on the day you call to convert. You can watch the market, and, if rates start to move higher, choose the best rate from the previous seven days!

Choose how the loan adjusts. ARMs can adjust annually after the first fixed period, but you can choose from an initial low fixed rate for a 1, 2, 3, or 5 year introductory period, during which your loan will not adjust. The shorter the introductory period, the better your interest rate. After that introductory period, the rate will adjust up or down annually.

Convert to a fixed rate for free! You need only notify the lender of your election to convert by completing a simple form, at no cost to you.

Use for building or buying. Long-term interest rate locks are available for houses under construction. For borrowers buying homes, ARM financing can deliver substantial savings that would otherwise go to interest payments, freeing up cash for home improvements or debt repayment.

Qualify for more house. So close to buying that dream house but can?t quite qualify for the payments on a fixed-rate loan? This ARM can get you more house, and time to build your income to qualify for a fixed-rate payment.

Contact BeechTree Mortgage and we will provide a very accurate Good Faith Estimate and answer any questions you have regarding this article. Call now at 1-321-987-9876

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