ieeiF Estate

DETACHED ELEGANCE

For Sale

FOREST BAY

L 'Itinturc

on CASS LAKE

Finciront»ctv

• Prime Waterfront
Building Sites

• Each Site Comes
With A Private
Boat Slip To
All-Sports Cass
Lake

460

MARKETED BY COLLOM & ASSOCIATES

682-3240

• Wooded Lots
With Spectacular
Views

Open House Every Sunday

FABULOUS
CUSTOM BUILT RANCH
GREAT LOCATION
GREAT BUY

Comfortable 3 bedroom plus den with beautiful neutral decor and many
upgrades, 2.5 ceramic baths, finished basement, wrap-around deck and
excellent location on dead-end street. Lots of yard. MOTIVATED SELLER
WANTS OFFER. $227,000.

For best results Buying or Selling call:

CALL JOLIE LEVINE

Jane Solomon

OntiFix

&I

Chamberlain Realtors

TODAY

Office: 647-6400 ext.. 738
Residence: 545-2692

(810) 855-2000 X-216
(810) 510-8390 (PAGER)

BUY, SELL, MADE 011 BENT THROUGH THE

OTHERS PROMISE...
Exclusive Program Turns
DELIVERS!
House Hunters Into Cash Buyers DEBBIE
$ Top Dollar

Save thousands by getting your mortgage first.

Peace of Mind
* Hassle Free
• House Hunting

LINDSAY GROSS Executive Vice-President

A

couple of years ago, a

you and take your complete

presenting this commitment

few other people and

mortgage application, col-

with your offer. Typically, my

I sat around in a

lecting a 100% credited

Mortgagelst clients save I-

room and said, "Why does

earnest money deposit to

3% on the sale price utilizing

a typical Real Estate trans-

start the transaction. Since

this program.

action in Michigan go like

we are mortgage banker, not

this; potential buyers call the

brokers, we underwrite,

What if you are worried

Realtor and want to look at

fund and close our own

about rising interest rates

a $200,000 home. The Real-

loans. This enables us to un-

and have not found a home

tor gets excited, meets them

derwrite your Mortgagelst

yet? Well, we have created

and for weeks and some-

application very quickly even

times months, shows the

without finding a home. I will

a program called Lock 1 s t
that allows you to secure an

buyers homes. Finally they

then issue an approval letter,

interest rate for up to 120

find a home, negotiate back

an actual commitment sub-

days without having found

and forth and then an offer

ject to just an appraisal of

a home. Better yet, there is

is accepted with a 45-day

the property. This approval

no additional cost for this

contingency for a mortgage

is good for one full year! I

program and you also re-

approval. Or worse, the

will give this approval to you

ceive a float-down option

Lender tells them they can-

and the Real Estate agent.

which allows you to lower

cause of credit, income or

The most exciting part about

other problems. The buyers

this is when you and your

should fall during that peri-
od.

and Realtor then become

Real Estate Agent are ready

frustrated having wasted

to present your offer on a

Doesn't this make sense?

their time to that point.

home, you will include an ap-

Why not get you Mort-

proval letter from Rock Fi-

gagelst and even lock into

So we said, "Why don't the

nancial Corporation. Guess

today's rates before shop-

buyers get their mortgage

what happens? Sellers view

ping for your home. All my

first (Mortgage I st) before

these offers as cash transac-

clients are doing it. Isn't it

they sign a purchase agree-

tions and therefore you can

time you did the same?

ment?" Basically it's a sim-

imagine the type of clout you

ple process. I will meet with

will have as a buyer when

the
MICHIGAN
GROUP

10 of the last 15 homes
listed sold within 12.9 days!

REALTORS'

(810) 851-4100 xt. 353

LLNDSAY MAKES IT
ALL HAPPEN...

Licensed Attorney
• Licensed Real Estate Broker
* 10 Years Lending Experience
* FREE Pre-Approv

Mort ~ a

your interest rate if rates

not approve the loan be-

Debbie Willens

"Realtor for Life'

Lindsay Gross

"Lender for Life'
O. Rock
Financial

B(1111,

(810) 258-2311

Allows you to close within Days

FREE OFFER! A $9.95 VALUE!

If you arc planning a move, you must have
this essential book! Just mail in this coupon
and we'll send you one FREE!"

"BuyinkSelling
Owning Thin- Home"

(i)

Simply fill out form in full & mail to: Rock Financial, 30600 Telegraph Rd., Suite 4000
Bingham Farms, NH 48025 do Lindsay Gross

When you are planning your next move? (circle one)

Name

1-5 mos. 6-12 mos. 1-3 years 4-10 years Other.

Address

Current Mortgage Amount/Rate

(810) 258-2311

Ci ty/Sta te/Zip

What mortgage program do you currently have? (circle one)

Phone (day)

(evening) (

Fixed:

)

15 Year 30 Year Other

Adjustable: 1 yr 3 yr. 5yr. 7 yr. Other

133