 |  | | Laura Harris-Hodges | |
 
Because the real estate industry is constantly changing and becoming more sophisticated and challenging every day, you need an agent that understands the industry and is positioned to help her clients stay ahead of the game. With over 17 years of real estate experience Laura goes the extra mile for all of her clients thats why she constantly researches the market and property values to insure that you achieve your goals. Laura is ranked in the top 1% of all Coldwell Banker agents nationally and holds the Certified Residential Specialist (CRS) and new home specialist designations. Laura also knows the importance of a balanced life and making time to spend with her family is an integral part of her busy schedule. Laura and her husband Wes worked in the same office in Simi Valley, California back in the early 90’s. They moved to Eastern Washington in 1994, where the river, mild weather, and potential for growth appealed to them. Together, they have created a rewarding career and family. In 2003, they decided to create something even more rewarding. They created a family and welcomed the birth or their first daughter in April of 2004 and then a second daughter in March of 2008. Two careers and two children are sometimes challenging to manage, but together they work as a team coming up with creative solutions to the conflicting demands of working parents. Laura also enjoys traveling, running, water skiing and investing in real estate. She and Wes see this as a valuable investment for their future and have acquired residential and commercial properties as well as land for development purposes. Laura is also a member of the Tri-Cities Chamber of Commerce, and tries to be involved in her community as often as time allows.
"Making A Difference for You"
 | | | Wes Hodges | |
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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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| Q |
What is a "smart home"?
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| A |
A "smart home" is equipped with structured home wiring packages that control the home's systems via networked technologies. |
 See More Real Estate Trivia > |
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