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GRANITE Exchange Services
With over 10 years of experience, Granite Exchange Services, Inc. specializes in Hawaiian 1031 Tax Deferred Exchanges.
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First Hawaiian Mortgage
Maui's unique properties require a special Island expertise. First Hawaiian Mortgage has the knowledge and experience to help you "Make It Maui."

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GRANITE Exchange Services
With over 10 years of experience, Granite Exchange Services, Inc. specializes in Hawaiian 1031 Tax Deferred Exchanges.

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School Reports in Maui, West Maui and Kaanapali, Hawaii

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Schools in Maui, West Maui and Kaanapali

Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the world's most valuable piece of furniture?
A	The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars.
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Mike and Marianne Gaertner , REALTOR®, real estate agent and broker for Maui, West Maui and Kaanapali Hawaii home listings, property and land for sale - NUMBER1EXPERT™

Mike Gaertner , R(B) ABR
West Maui Strategic Development Group
Coldwell Banker Island Properties
10 Hoohui Road Suite 109
Lahaina, HI 96761
Toll Free: 888-Me-4-Maui (634-6284)
Cell: 808-281-7540
Fax: 808-669-8228
Personal: Mike@MikeGaertner.com

Marianne Gaertner, R(S)
Coldwell Banker Island Properties
10 Hoohui Road Suite 109
Lahaina, HI 96761
Toll Free: 888-Me-4-Maui (634-6284)
Cell: 808-281-1745
Fax: 808-669-8228
Personal: MLGaertner@aol.com

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