{"id":9074,"date":"2022-08-10T02:05:16","date_gmt":"2022-08-10T02:05:16","guid":{"rendered":"https:\/\/maximumlending.com\/?page_id=9074"},"modified":"2022-08-10T04:24:51","modified_gmt":"2022-08-10T04:24:51","slug":"switch-from-an-arm-to-a-fixed-rate-mortgage","status":"publish","type":"page","link":"https:\/\/maximumlending.com\/maria\/switch-from-an-arm-to-a-fixed-rate-mortgage\/","title":{"rendered":"Switch from an ARM to a Fixed Rate Mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9074\" class=\"elementor elementor-9074\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-59fa93e elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"59fa93e\" data-element_type=\"section\" 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class=\"menu-item menu-item-type-custom menu-item-object-custom parent hfe-creative-menu\"><a href=\"https:\/\/maximumlending.com\/maria\/marketing-materials\/\" class = \"hfe-menu-item\">MARKETING MATERIALS<\/a><\/li>\n<li id=\"menu-item-9298\" class=\"menu-item menu-item-type-custom menu-item-object-custom parent hfe-creative-menu\"><a href=\"https:\/\/maximumlending.com\/maria\/testimonials\/\" class = \"hfe-menu-item\">TESTIMONIALS<\/a><\/li>\n<\/ul> \n\t\t\t\t<\/nav>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-e80fa5e elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"e80fa5e\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75b023e\" data-id=\"75b023e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658aadf elementor-widget elementor-widget-heading\" data-id=\"658aadf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Switch From An ARM To A Fixed Rate Mortgage<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-70cd34c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"70cd34c\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a739016\" data-id=\"a739016\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-395f83d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"395f83d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/maximumlending.com\/maria\/loan-application\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-521a939\" data-id=\"521a939\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-079f88d elementor-widget elementor-widget-image\" data-id=\"079f88d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.focusitinc.com\/focusit-blog\/focusit-is-now-a-soc-certified-service-organization\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"75\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2017\/05\/Focus-IT-servers-small.png\" class=\"attachment-full size-full wp-image-2323\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c469132\" data-id=\"c469132\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d745bd elementor-widget elementor-widget-image\" data-id=\"2d745bd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/seal.starfieldtech.com\/verifySeal?sealID=QVQlhR3CrtElxl8G1QOqkXj2KmiZwXop24aywfy46cHDMgcVlmv8pC3zHzsW\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"188\" height=\"47\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2017\/05\/godaddy-badge-small-e1495762926962.png\" class=\"attachment-full size-full wp-image-2326\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-acf52a8 elementor-reverse-tablet elementor-reverse-mobile elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"acf52a8\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d77b8ca\" data-id=\"d77b8ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3de4f48 elementor-widget elementor-widget-text-editor\" data-id=\"3de4f48\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As the name implies, an\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/adjustable-rate-mortgages\/\">Adjustable Rate Mortgage<\/a>, or ARM as it is commonly referred to is a type of mortgage that adjusts on a predetermined schedule (usually once per year) after an initial fixed period. For example, if you have a 5\/1 ARM your interest rate will be fixed for 5 years after which time it will change every year as evidenced by the 1. An ARM can increase or decrease depending on current market conditions.<\/p><p>If you currently have an adjustable-rate mortgage, today\u2019s low interest rates present the perfect opportunity to refinance into a\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/adjustable-rate-mortgages\/\">fixed-rate mortgage<\/a>, with your choice of term: we offer both 30-year or 15-year terms. Fixed-rate mortgages are a popular alternative to adjustable-rate mortgages because they offer predictable monthly payments which makes budgeting less complex.<\/p><p>A fixed-rate mortgage from Maximum Lending offers the following benefits:<\/p><ul><li>You\u2019re given the opportunity to make larger payments.<\/li><li>Rates and payments remain constant.<\/li><li>Stability makes budgeting easier.<\/li><li>Simple to understand.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0d0bd9c\" data-id=\"0d0bd9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2866f83 elementor-widget elementor-widget-image\" data-id=\"2866f83\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"400\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/fixed-rate.jpg\" class=\"attachment-full size-full wp-image-1577\" alt=\"\" srcset=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/fixed-rate.jpg 500w, https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/fixed-rate-300x240.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-8404254 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8404254\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ba038c2\" data-id=\"ba038c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1385c65 elementor-widget elementor-widget-text-editor\" data-id=\"1385c65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Reasons to Refinance to a Fixed-Rate<\/strong><\/p><p>The adjustable-rate mortgage (ARM) loan has certain pros and cons. When used wisely, it can save you money during its fixed period, as well as allow you to afford a more expensive home. The downside to adjustable-rate mortgages, however, is that these loans carry a significant degree of financial uncertainty.<\/p><p>Once your fixed period is up, the interest rate on the loan will begin to adjust according to a predetermined schedule (usually once per year). The rate can increase or decrease significantly depending on current market conditions. Cue financial uncertainty! This is why most homeowners choose to refinance to a fixed-rate mortgage loan.<\/p><p>For homeowners planning to stay in a home indefinitely, a fixed-rate mortgage loan is usually their best option as it provides peace of mind in knowing that their rates will never change, regardless of market conditions. Today\u2019s low interest rates may even afford homeowners a lower monthly payment.<\/p><p><strong>Alternative Mortgage Types<\/strong><\/p><p>There are several alternatives to an adjustable-rate mortgage including fixed-rate, interest-only, and jumbo mortgages. Each one has different advantages depending on your preferred payment schedule. Let Maximum Lending help you choose the one best suited to your needs! We offer the following mortgage types:<\/p><p><strong>Fixed-Rate Mortgage:<\/strong>\u00a0Fixed-rate mortgage loans are available in multiple terms, including\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/30-year-fixed-rate-mortgages\/\">30-year fixed-rate mortgages<\/a>, and\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/15-year-fixed-rate-mortgages\/\">15-year fixed-rate mortgages<\/a>. The benefits of a shorter-term loan are lower mortgage rates and less total interest paid. Longer-term loans will benefit you by providing you with lower monthly payments. Fixed-rate mortgages make budgeting easy.<\/p><p><strong>Interest-Only Mortgage:<\/strong>\u00a0Most home loan payments consist of some interest and some principal. An\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/interest-only-home-loans\/\">interest-only mortgage<\/a>\u00a0though, you\u2019ll be making interest only payments for a specific time period (usually 5-10 years), while your principal will remain untouched. After the initial period, your monthly payment will rise in order to pay off the principal, and any remaining interest. Interest-only mortgages are best for homeowners who need reduced monthly payments now, but expect to be more financially secure in the future. This mortgage option can also enable you to buy a more expensive house.<\/p><p><strong>Jumbo Mortgage:<\/strong>\u00a0A\u00a0<a href=\"https:\/\/maximumlending.com\/maria\/best-mortgage-rates-on-jumbo-loans\/\">jumbo mortgage<\/a>\u00a0is a home loan for an amount that exceeds current conforming loan limits. The current conforming loan limit, according to regulation, for a single-family home is $417,000 for all states except Hawaii and Alaska, where it is $625,500. Jumbo mortgages are available in both an adjustable-rate and fixed-rate loan. Jumbo mortgages are intended for higher-priced, luxury homes.<\/p><p>Don\u2019t wait for the inevitable rate hike when your ARM matures! Lock in today\u2019s low interest rates by converting your adjustable-rate mortgage into a fixed-rate mortgage today by contacting me at<span style=\"color: #000000;\"><em> <a href=\"tel:+19512271091\">(951) 227-1091<\/a><\/em><\/span> or <a href=\"mailto:maria@maximumlending.com\">maria@maximumlending.com<\/a>. 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