Low...Lower...Lowest
How Much Lower Can
Mortgage Rates Drop?

How low will interest rates drop? No-one knows
for sure, but please be cautious. Most economists
agree that now is the time to refinance...before
rates go in the other direction. In addition to
offering low rates, we'll give you responsive
service, quick approval, and trouble free closing.

•
At left and above, clockwise: Posing for the camera are Olivia and Sydney Yates; Zoe
and Isabel Zaltz; Noah and Jack Behrendt; Rachel, Jacob and Jonah Robinson; and
Jacob and Alex Miller.

How Does Your Mortgage Compare?

Interest Rate*

Based on $170.000 Wan

The Families

3 Yr. ARM

Parents: Shelley and Adam Behrendt of Birmingham
Twins: Jack and Noah
Born: April 7, 2003

15 Y1-. Fixed

Parents: Suzanne and Cory Jacoby, Birmingham
Twins: Emily and Katlin
Born: Jan. 6, 2003

Parents: Stephanie and Matt Miller, Birmingham
Twins: Jacob and Alex
Born: Dec. 5, 2002

Monthly Payment

$799A0

4.75%

$1322.31

$951.95

30 Yr. Fixed

Call our Mortgage Specialists at (888) 437-8243 today!

Parents: Rachel and Steve Robinson, Birmingham
Twins: Jacob and Jonah
Born: Oct. 24, 2002

Parents: Rene and Jeffrey Taub, Birmingham
Twins: Ella and Sara
Born: Feb. 16, 2003

Parents: Stephani and David Yates, Bloomfield Hills
Twins: Olivia and Sydney
Born: Aug. 29, 2002

Parents: Barbara and Ira Zaltz, Huntington Woods
Twins: Zoe and Isabel
Born: Jan. 5, 2003

Michael Bella

Lisa Rozmarniewlcz Laurie Pilling Asmus

"Rates effective as of 6/10/03 and subject to change at any time.. Pates based on a loan size of
SI 70,000 with a 45 day lock & NO POINTS. Annual percentage rate (APR) subject to change and
will vary depending on loan details like final down payment, points, loan amount, loan to value
your credit, property type and market conditions. ARM rates and monthly payments may change
due to market eharigeS to the index. Monthly payments indicated are for..principal and Interest
only and do not hicliide property taxes. hazard or mortgage insurance if applicable.

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WW
SI

MICHIGAN HERITAGE
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Let us lend a hand

Kimberly Lifton of Huntington Woods is a freelance writer and former Jewish
News reporter. Married and mother of Sarahrose Shea, 5, Kim is working on a book
about the twin connection. Her twin, Hope, died in December 2001 at age 40.

Novi

21211 Haggerty Rd.
North of 8 Mile
(888) 437-8243

FDIC

Farmington Hills
28300 Orchard Lake Rd.
Suite 101
(800) 914-3524

7118
2003

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