Ledning Bee, Inc. has extended the offer for conforming ARM products at 3.75% for first time home buyers and existing home buyers trying to refinance. This program will be available until the end of October and into November. The low rate of 3.75% will only be available for a conforming loan amounts of to $417,000 and the rate will be fixed for the first 5 years. This is a 5 year ARM. The rate for a 30 year fixed or jumbo mortgages will be slightly higher. Call 877-546-6356 now for a free pre-approval. In addition, Lending Bee, Inc. is offering a FREE APPRAISAL. This can save you up to $500.00. At the end of the transaction, Lending Bee, Inc. will refund you the money for the appraisal.