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Yes. Conventional refinances are available in an adjustable rate mortgage (ARM), fixed for the first three, five, seven, or ten years.
During the initial fixed period, the rate is extremely low. ARMs are great for homeowners who plan to move, refinance, or pay off their mortgage in a few years. How do I get a Conventional Cash-out Refinance. A cash-out refinance is a loan that gives the borrower cash at closing.