Port Huron Times-Herald - ... then, they would refinance out of the ARM and into a 30- or 50-year fixed-rate mortgage ... that led to the foreclosure on her home. the intention of getting them into a better loan when their credit recovered ... "At first, I felt really bad, like I ... For months now, you have been looking at houses and home brochures and you have finally found it - the house that's just right. So now, you're feeling anxious to buy your new home, move in, and get settled. But this is not where your search ends. You still have one more important task to do and that is getting a home mortgage.