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Professional Awards: Greater Hartford, West Hartford and Farmington Valley Connecticut home buying, real estate listings, and homes for sale in Hartford County, CT

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Our Experience, Credentials, Track Record, and Awards

We have years of negotiating skills combined with the knowledge, character and ability needed to guide you through one of the most important transactions in your life. As full time real estate professionals, we are committed to representing you and it is our goal to perform beyond your expectations. We offer unique products and unparalleled services to ensure the entire real estate transaction is smooth and successful. The Hoye Home Team is looking forward to helping you achieve your real estate goals.

Nancy Lee, John, and Joanne		Birth of Idea for the Hoye Home Team	Joanne receiving the Chairman Award
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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	What was considered the world's tallest building one hundred years ago?
A	The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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Joanne Hoye and John Hoye, REALTORŽ, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanne Hoye and John Hoye
Prudential Connecticut Realty
1000 Farmington Ave
West Hartford, CT 06107
(P): 860-561-8007
(F): 860-233-7313
(E) : jhoye@snet.net
JOANNE HOYE is a 4th Generation real estate professional in Hartford area. She has 30+ years of experience in both buying and selling Real Estate. She works in all markets from starter homes to luxury properties and handles all phases of new construction and land development as well. In addition she markets antique properties! She is a Certified Residential Broker who is a consistent top producer. She has won the following awards: Outstanding Customer Service Award, Prudential Chairman's Club Award and Top Producer Award for Greater Hartford Board. She provides excellent service and gets results for you.!.........JOHN HOYE is a 5th Generation real estate professional in Hartford area, providing outstanding service dedicated to meeting your Real Estate needs. He has 8 years experience buying and selling Real Estate and is the winner of Prudential Chairman's Club Award. Like Joanne he too works in all markets from starter homes to luxury properties. Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

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NUMBER1EXPERTS™ in real estate for Greater Hartford, Connecticut, West Hartford and Farmington Valley, CT

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