REFINANCE & ARM CONVERSION

As financial markets evolve, so should the strategies and methodologies of loan structuring. When short term bonds were at historical lows, ARMs (Adjustable Rate Mortgages) offered rates low enough to justify the additional market risk. Times have changed. For most people, it makes sense to now convert an ARM to a Fixed Rate Mortgage.

The calculus of this decision is simple – you need to keep closing costs as low as possible so the transaction expenses do not outstrip the benefit of getting a fixed rate. At Finworth, our fundamental belief is that if we offer clients the lowest possible cost and highest possible service, they are likely to use us again in the future, and they will refer their family, friends and colleagues. That's why we never charge junk fees like most of our competitors. Whether you are changing from an interest only to a fully amortizing loan, or from an ARM to a Fixed Rate Mortgage, we at Finworth are committed to a rigorous evaluation of your needs, and to delivering the most economically sound solution.

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