Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Pat Hiban Real Estate Group, a proven Glen Burnie, Pasadena and Howard County, Maryland NUMBER1EXPERT™ Top Selling real estate agent. Find Glen Burnie, Pasadena and Howard County Homes - Find Glen Burnie, Pasadena and Howard County, Maryland real estate listings & homes for sale provided by Pat Hiban Real Estate Group, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Pat Hiban Real Estate Group, a proven Glen Burnie, Pasadena and Howard County, Maryland NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Pat Hiban Real Estate Group, a proven Glen Burnie, Pasadena and Howard County, Maryland NUMBER1EXPERT™ Top Selling real estate agent. Glen Burnie, Pasadena and Howard County Information - Find local information on Glen Burnie, Pasadena and Howard County, Maryland including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Pat Hiban Real Estate Group, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Pat Hiban Real Estate Group, a proven Glen Burnie, Pasadena and Howard County, Maryland NUMBER1EXPERT™ Top Selling real estate agent. About Pat Hiban Real Estate Group - Information about Pat Hiban Real Estate Group including testimonials, guarantees, credentials, and contact information. Learn why Pat Hiban Real Estate Group is a proven Glen Burnie, Pasadena and Howard County, Maryland NUMBER1EXPERT™ Top Selling real estate agent. 
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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 |
Who received the largest land grant ever given to an English subject for only two beaver skins per year?
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| A |
William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II. |
 See More Real Estate Trivia > |
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| Charlotte Savoy |
| Keller Willams Crossroads |
| Two Offices to Serve You |
| Ellicott City, MD and Glen Burnie,
MD |
| Office: 410 766-8000 |
| Fax: 410-766-8005 |
| Charlotte@HibanGroup.com |
Charlotte is a native of Howard County and has lived in Maryland her entire life. She currently lives in Ellicott City with her husband, Ike and their three sons Josh, Jalen and Braeden along with their goldendoodle Maya. Charlotte has been in the customer service arena for her entire adult life. She began her real estate career in 1998 and has rapidly taken on more and more responsibility as opportunities arose. She is an experienced agent, having helped more than 1000 customers with their home sale or purchase. Her knowledge of the market and the customer's needs makes her a very successful agent with many customers that return time and time again. This kind of experience can lead to only one conclusion…painless transactions for her customers!
She is known for her sincerity, professionalism and enthusiasm for the real estate business. From 2004-2007, Charlotte has been the Top Producing agent at The Pat Hiban Real Estate Group. |
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Pat Hiban
Keller Williams Crossroads
Two Offices to Serve You
Ellicott City, MD and Glen Burnie, MD
Office: 410-766-8000
Fax: 410-766-8005
homes@hibangroup.com
Pat was born at Georgetown Hospital and has been a Central Maryland resident since his birth. He is a graduate of Wilde Lake High School and Frostburg State University. He currently lives in Columbia with his wife, Kim; 2 daughters and 2 labradors, Libra and Piper. Pat is an active runner, weight trains and practices Tae Kwon Do. In his free time he enjoys his family and enjoys writing.
We are currently the #2 Team out of 80,000+ agents in the USA! Last year we sold more than $150 Million Dollars in Real Estate, while providing a level of service that is second to none!    
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