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 ARM-Fixed Conversion Loans This is a hybrid loan that starts out as a basic adjustable rate mortgage or ARM. At one point during the loan, however, you are given the option of converting it to a fixed rate mortgage at the rates prevailing at that time. The option is usually exercisable in the third or fifth year of the loan. Get A Free, No-Obligation Consultation with a Mortgage Professional Home | For Sellers | For Buyers | Member Log-in | Contact Us | FAQ | Helpful Links | Site Map FSBO America LLC Content Warning FSBO America LLC |