|
All agents are NOT alike! Find out why we are top real estate experts. Call Chip: 603-845-2130 or Kim: 603-845-2234
|

Sign Up For Our eNewsletter, FREE! There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU. Find Out More > View All Offers >
|

"...we have been extremely pleased..." "To say the least, we have been extremely pleased with all your dealings in regards to our house." "Moe and Suzanne D. of Londonderry, NH" Read Quote > View All Quotes >
|
Compare three mortgages at one time.
Download TripleCalc now. It's free.
|
Chip Sutton and Kim Wells is one
of The Top Selling Real Estate Experts Find Out More > |
|
|
|
 |
Chip Sutton is a native New Englander and a resident of Londonderry, New Hampshire. He is married to Nina, who is a licensed Mental Health Counselor. He has three children, Jessica, David and Ryan. |  | | | Chip, Nina, David, Jessica and Ryan | |
|  | | | Ryan Sutton, age 3 in Dad's chair. | |
|  | | | Kids at Christmas 2003 | |
|  | | | Chip and Nina Sutton | |
  Chip has a background in Pastoral Ministry and has served as a Baptist Minister in NH churches for a period of nearly twenty years. He has brought with him into his Real Estate work the same sense of caring, honesty and sensitivity that characterized his ministry. Chip studied graphic arts and design at Carnegie Mellon University in Pittsburgh, PA and graduated with his BA from Gordon College in Wenham, MA. He got his Mdiv. from Gordon Conwell Theological Seminary in South Hamilton, MA. He began his Real Estate career in Methuen, MA as a Realty World affiliate, after graduating from the Harris School of Real Estate. He later joined Prudential Verani Realty in Londonderry, NH where he has since been recognized as one of the top producers in the company of over 250 agents. Chip works with buyers and sellers and is sensitive to the needs of both. He does a lot of work with new construction, working closely with a number of area builders. He also does extensive work with Prudential's Relocation Department. Chip is a licensed Realtor in New Hampshire and Massachusetts and as such is able to help people with Real Estate needs on both sides of the border. He is a member of the Northeast Association of Realtors, the Granite State South Board of Realtors and the National Association of Realtors. Since 1998 he has been a member of the Prudential Multi Million Dollar Club (for consistently having yearly sales of over three million dollars.) In 2000, 2001, 2002, 2004,2005 and 2006, Chip received the Presidents Circle Award and in 2003 the Chairmans Circle Award recognizing his placement among the top 5% of all Realtors within the National Prudential Network. He is also a Prudential Certified Marketing Assistance Specialist, a Certified Destination Services Specialist and a Certified New Homes Specialist. He also has his CRS(Certified Residential Specialist) designation and his SRES(Senior Real Estate Specialist)designation. Chip genuinely cares about his clients and customers and will work hard to see that their Real Estate needs are understood and met.  |  | | | Kim Wells | |
A consistant, pleasant, direct nature. Kim Wells is in the office by 8AM. It is this consistant, responsive and direct work style that pleases Kim's clients. Your questions and concerns are handled daily. Kim is able to devote most of her energies towards the buying or selling of your home. After working closely with Chip Sutton, a top producer in Southern NH, as his assistant, Chip asked if she would become his partner in the business. Kim's proven success in Real Estate demonstrated to others her ability to conduct business in a pleasant, responsive manner with diligence and loyalty to her clients wants and needs. In becoming a partner in the business, the team is able to cover your buying or selling needs around the clock. Quality attention for a quality lifestyle After traveling much of Canada, the West Coast and parts of Europe, Kim finds New Hampshire the corner of the world she enjoys most. New Hampshire offered the education and close community ties Kim knew would give her family a quality life. She has been active in soccer, competitive swimming, skiing, sailing, hiking and baseball and is grateful New Hampshire can offer opportunities to enjoy these activities and more. Since Kim was immersed in community and schools for 20 years here in the state, she knows first hand of the enrichment activities within the state for public, private and home schooling needs. Her own level of education is at the graduate level and she regards the proper lifestyle for your family as the first concern in buying a home. Kim often attributes her success in Real Estate to top producer and sister Pamela Maher's advise that to be effective in business, you must listen. References and testimonials cite the fact that Kim heard her client's wants and needs and was able to find the right home and keep negotiations together in order to pull the transaction through till the end. Buying your new home is a serious venture. It can be an absolute pleasure or a massive headache. Kim can help make it an enjoyable and fun adventure for you. Your house is not just your home, it is a serious investment in the dwelling, the area and your future.
Please Sign Up For The
Latest Listings and the Latest Real Estate News
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.
|
 |
| Q |
Who is "Fannie Mae" and why is she a big name in real estate?
|
| A |
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders. |
See More Real Estate Trivia > |
|
|

Tammy Conover - CMV Home Loans Powered by Countrywide Home Loans this is Prudential Verani's outstanding "inhouse" full service Mortgage Company. Find Out More > View All Affiliates >
|
|
|