When's the best time to refinance or get a new mortgage? At Bank of Birmingham, we're all about delivering advantages for our customers. Whether you're thinking refinancing or looking at a new mortgage, there's no better time than right now to make that move. We're ready and willing to lend what you need to take advantage of incredibly low mortgage rates without high anxiety. At these rates "now" may never be this financially attractive again. For more information, please call Maggie Currier at 248.283.6454 All Real Estate Loans subject to credit approval and property evaluation. • 111 BANK0F II BIRMINGHAM EQUAL HOUSING OPPORTUNITY With us, it's personal. 1633950 Exceptional Retirement Living ASSISTED LIVING from $2,995/month at INDEPENDENT LIVING 2 BR apartments $400 off/month' at WALTONWOOD AT ROYAL OAK WALTONWOOD AT TWELVE OAKS Providing peace-of-mind to residents and their families knowing caregivers are on-site 24-hours a day Offering services and amenities that encourage resident independence. (248) 809-5200 (248) 579-4391 3450 West Thirteen Mile Rd., Royal Oak Across the street from Beaumont Hospital 27475 Huron Circle, Novi Across from 12 Oaks mall. *Sce community for details www.SINGHSeniorLiving.com November 18 • 2010 51