On the cover...
Fully renovated, move-in-ready custom home on a private cul-de-sac with a stream, waterfall and sweeping views of Lake Toxaway. Contact Fisher Realtyfor details.

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Inside this issue: Is an Adjustable Rate Mortgage Right for You? An adjustable-rate mortgage (ARM) can lower initial costs and increase flexibility in the housing market. But be aware of how these loans work and their potential risks. Read the story   Fast Fixes to Make Older Homes Warmer and More Cost Efficient With the average U.S. home now more than 40 years old, many Americans are heading into winter with outdated windows and worn weatherstripping. You can do better. Read the story
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Phillip C. Price Attorney Let us handle your closing
Rutherford County	Transylvania County
Buffalo Ridge Community	Hazel R. Fisher & Associates