Highlands Ranch, Parker and Castle Rock real estate and homes for sale in Colorado, executive, luxury - Carl Lyday, REALTOR® Carl Lyday REALTOR(r) for Highlands Ranch, Parker and Castle Rock, Colorado real estate, executive, luxury - NUMBER1EXPERT™ Carl Lyday NUMBER1EXPERT(tm) for Highlands Ranch, Parker and Castle Rock, Colorado real estate, executive, luxury
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Carl Lyday, REALTOR®, real estate agent and broker for Highlands Ranch, Parker and Castle Rock Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)





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Carl is a Certified Residential Specialist, Accredited Buyer Representative, and Certified Luxury Home Marketing Specialist. Ask for more info.


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For Realtors: Highlands Ranch, Parker and Castle Rock Colorado home buying, real estate listings, and homes for sale in Douglas County, 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.

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Real Estate Trivia
Q 
Which metropolitan area in America currently offers the most affordable market in which to buy new homes?

A 
The housing market in Youngstown, Warren and Boardman, Ohio is currently the most affordable metro area in the U.S.
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Carl Lyday, REALTOR®, real estate agent and broker for Highlands Ranch, Parker and Castle Rock Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Carl Lyday
Front Range Properties

6025 South Quebec St. Suite 100
Englewood, CO. 80111
Office: 303-740-8100
Direct: 303-917-1166
Fax: 303-770-8844
Email: carllyday@NUMBER1EXPERT.com

Carl first came to Colorado in 1961 when he entered the USAF Academy, graduating with a BS degree in 1965. He received a master’s degree in management and engineering from the University of Arkansas. Carl was a fighter pilot and test pilot in the Air Force for almost 30 years, retiring in 1994 with the rank of colonel. Carl has been a real estate investor since 1968 and currently owns thirteen homes in Douglas County plus several out of state. He received his Colorado real estate brokers license in 1995. Carl's forte is knowing the market value of residential property, for both buyers and sellers. He always provides personalized service to his customers. His team will always assure you of dedicated personal service! All of Carl's team conducts their transactions with the highest integrity. He is particularly proud of his many satisfied clients.

Equal HousingMLSREALTOR


Front Range Properties real estate and homes for sale in Highlands Ranch, Parker and Castle Rock Colorado

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