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CJ Rugaard Rugaard Sales Associate Coldwell Banker A.L.M. Realty & Associates, Inc. 1121 Parkdale Avenue Manistee, MI P - (231) 723-3555 M - (231) 907-2454 cj@myagentcj.com

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© 2013 Coldwell Banker Real Estate LLC. A Realogy Company. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. Coldwell Banker^®and the Coldwell Banker Logo are registered service marks owned by Coldwell Banker Real Estate LLC.

Any use of the term "sales associate" or "agent" shall be replaced with the term "sales representative" in Canada.

Since 1906, the Coldwell Banker brand has represented an unparalleled commitment to professionalism and customer service in the real estate industry. Our rich heritage of experience, our unparalleled global network of real estate agents and representatives, and our industry-leading tools and services - such as coldwellbanker.com - has helped make the dream of owning a home a reality for millions of families. Our website is a reflection of our belief in customer service and providing an exceptional real estate experience.

The estimated monthly rate is based on a 30-year fixed rate of 4.08% with 20% down. Taxes are included in this estimate, but insurance is not. (Taxes based on current tax rate where available, otherwise effective tax rate assumed to be 1.5%). The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans. For an estimate, please contact an experienced Coldwell Banker® Mortgage Consultant at (888) 308-6558 to find the right loan for your financial situation.

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