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The Driving Force Behind The Sale
"We'd Recommend His Services To All."
Kathy Lupoff and Kevin Roach
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Welcome > Agent Info > Testimonials ...

Read What People Are Saying About Us

We always ask our clients to write or e-mail us and tell us truthfully how they found our service to them. Their feedback is important! Here are a few highlights of what people are saying about us...

"WAY ABOVE AND BEYOND "
"Our first choice and only choice in real estate."

"Michael and Julie Gordon"

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Attentive, Knowledgeable And Creative
"No Hesitation To Recommend Mike If You Are Thinking of Buying or Selling."

"Marlene and Brian Mallard"

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Easing The Transition
"Mahalo Nui Loa For Making Our Maui Move A Reality!"

"Barbara and Mike Kenrich"

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Found "Absolutely Perfect" House
"We Could Not Have Done It Without Mike's Help!"

"Reiko and Ken Nabetta"

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Keeping Your Best Interests In Mind
"Work Ethic... Island Knowledge... Aloha Spirit"

"Terry Moriarty"

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Knowledegable, Trustworthy And Professional
"Would Recommend Mike And Marianne To Anyone"

"Dr. Dan and Karen Kulick"

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Local Knowledge And Great Communication
"Good Friends And Local Resources For Our Entire Family."

"Lili and Joe Silvestre"

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Sense Of Urgency And Perseverance
"Mike Has Played An Important Role In Allowing Us To Expand Our Business To Hawaii."

"Bob Soudan Jr.-SHS Development Company"

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The Driving Force Behind The Sale
"We'd Recommend His Services To All."

Kathy Lupoff and Kevin Roach

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Trust
"We Truly Have Trust And Confidence In Him. We Would Recommend Him To Anyone."

"Henrietta and Scott Shaw"

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School Reports in Maui, West Maui and Kaanapali, Hawaii

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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The Heritage Foundation

Hawaii Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Maui, West Maui and Kaanapali

Financing Your Home >Convertible ARMs

Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.

Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.

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Q	To what process do the terms closing, escrow, settlement and passing papers refer?
A	These terms, which vary in different parts of the country, describe the conclusion of a real estate sale.
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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(tm)

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

With over 30 years high level international marketing, sales and negotiation experience, we are unique to Maui and well suited to provide the proven expertise, local knowledge and personal focus you deserve.

REALTOR MLS Equal Housing

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