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Affiliates

Welcome > Resources > Special Offers > Affiliates ...
 
Construction
Ed Mitchell is a licensed General Contractor
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Escrow
Coach House Escrow - Public Escrow providing escrows for purchases and refinances.
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Estate Planning
Martin Neely & Associates - Attorneys & Counselors at Law
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Handyman - Contractor
1st Affordable Contractor - Chad Ciciotte
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Home Inspector
Lynn Mozden of Cal National Property Inspections
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Home Inspector
Mike Birnebaum of National Property Inspections
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Housecleaning
Beatriz Torres -Housecleaning
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Insurance Agent
Larry Voelker of Farmers Insurance Co
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Joseph Speirer Architects
Email: joe@calarchitect.comPhone Number: 310-200-1290
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Lender
Dena Bricker of American California Financial
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Tax Preparer
Eric Fisher CPA - South Bay area
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Title Company
Progressive Title Co
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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.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia

Q 
What famous American monument is also the world's heaviest statue?

A 
The Statue of Liberty, officially named "Liberty Enlightening the World", weighs 54.31 million pounds.
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Carol Gilles, REALTOR®, real estate agent and broker for Torrance, California home listings, property and land for sale - NUMBER1EXPERT

Carol Gilles
The Real Estate Group

3480 Torrance Bl # 100
Torrance, CA. 90503
CA DRE# 00803846
Cell: 310-864-9738
Fax: 310-534-4436
Email: carol@carolgilles.com

Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT™ in real estate for the Torrance area. So contact her today! DRE# 00803846

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