The Millstone Times

GREAT MORTGAGE RATES! PURCHASE OR REFINANCE CONVENTIONAL MORTGAGE

FAMILY MATTERS FREEHOLD SAVINGS BANK New Jersey’s Oldest Savings Institution By Pam Teel $9.65 per thousand Interest Rate APR 2.99% 3.02% 10 Year

15 Year

30 Year

Interest Rate 3.25%

3.27%

Interest Rate 3.99%

4.01%

APR

APR

$7.03 per thousand

$4.77 per thousand

You can feel safe and secure banking with Freehold Savings Bank. Their focus is delivering the best in community banking for the financial well-being of their communities. They carry out their commitment to their customers by combining exceptional personal service, competitive banking products, and local expertise to provide a convenient and rewarding banking experience while concentrating their business primarily on the origination and servicing of home mortgage and home equity loans for individuals and families throughout central New Jersey. Being the oldest Savings Institution in New Jersey, the Bank was founded in 1853 as the Freehold Mutual Loan Association, a name that was retained until 1955. They have been providing continuous service to their community since their founding. Their motto being, “ Small in size but Big in Service” , the commitment to their community runs deep. They have two locations, one at 68 West Main Street, Freehold Borough and their branch office at 3649 Route 9 North, Freehold Township. They specialize in commercial real estate loans, home purchases, refinancing, construction, home equity loans and lines of credit. Also available are checking, savings, money markets, CD’s and IRA’s. Other services include: Visa check card (visa debit card) like a credit card, the Visa Check Card permits the holder to make purchases anywhere the Visa Card is accepted, with the charge being made directly to the holder’s checking account rather than as a credit transaction. Additionally, it is also an access card to tens of thousands of automated teller machines (ATM) across the nation. At these terminals, the cardholder may make balance inquiries, withdraw cash, make deposits, transfer funds between accounts or make purchases at participating merchants. ATM 24-Hour Banking: The Freehold Savings Bank ATM Card is an access card to tens of thousands of automated teller machines (ATM) across the nation and throughout the world. At these terminals, the cardholder may make balance inquiries, withdraw cash, make deposits, transfer funds between accounts or make purchases at participating merchants. The card provides 24 hour a day, seven days a week access at terminals throughout the world. Other Miscellaneous Services include: • Bank By Mail • Certified Checks FIRST LIEN HOME EQUITY LOAN FIXED RA No Closing Costs $6.06 per thousand $5.07 per thousand Interest Rate Interest Rate APR APR 4.00% 4.50% 4.00% 4.50% $17.96 per thousand $9.83 per thousand Interest Rate Interest Rate APR APR 2.99% 3.375% 2.99% 3.375% 5 Year 10 Year $7.27 per thousand Interest Rate APR 3.75% 3.75% 15 Year 20 Year 30 Year ALL CONVENTIONAL MORTGAGES: First lien primary residence up to 80% of the appraised valu Additional conditions may apply. Application fee $450. Payments noted above include princip and interest only. It does not include am un s for taxes and insurance premiums, if applicabl For tax deductibility, please see your tax advisor. Rates are subject to change without notice. First lien primary residence up to 80% of the appraised value or Freehold Savings Bank ha the first mortgage. Additional conditions may apply. Payments noted above include princip and interest only. It does not include amounts for taxes and insurance premiums, if applicabl For tax deductibility, please see your tax advisor. Rates are subject to change without notic Application fee – loan amount of $100,000 or less the application fee is $135. Loan amou greater than $100,000 the application fee is $400. FREEHOLD SAVINGS BANK Experience You Can Bank On We Also Offer Commerci Real Estate Loans. Pleas Call For Details. 732-462-6700

• Notary Service • Signature Guarantee • Wires • Online Banking

• Mobile Banking • Bill Pay • Mobile Remote Deposit Capture

• Direct Deposit • Money Orders • Night Deposit Drop

732-462-6700 FREEHOLDSAVINGSBANK.COM

68 West Main Street • 3649 Route 9 North, Freehold, NJ 07728 freeholdsavingsbank.com NMLS ID# 408098

AP-NJG0013127-12

GREAT MORTGAGE RATES! PURCHASE OR REFINANCE CONVENTIONAL MORTGAGE

This Publication WORKS

10 Year

15 Year

30 Year

Interest Rate 2.99%

3.02%

Interest Rate 3.25%

3.27%

Interest Rate 3.99%

4.01%

APR

APR

APR

$9.65 per thousand

$7.03 per thousand

$4.77 per thousand

PROOF O.K. BY: _____________________________ O.K. WITH CORRECTION ALL CONVENTIONAL MORTGAGES: First lien primary residence up to 80% of the appraised value. Additional conditions may apply. Application fee $450. Payments noted above include principal and interest only. It does not include amounts for taxes and insurance premiums, if applicable. For tax deductibility, please see your tax advisor. Rates are subject to change without notice. PLEASE READ CAREFULLY • SUBMIT CORRECTIONS ONLINE ADVERTISER: FREEHOLD SAVINGS BANK PROOF CREATED AT: 2/15/2018 7:05 PM SALES PERSON: Tyler Jordan PROOF DUE: - PUBLICATION: AP-ASB DAILY NEXT RUN DATE: 02/18/18 SIZE: 2 col X 5.17 in FIRST LIEN HOME EQUITY LOAN FIXED RATE No Closing Costs $17.96 per thousand $9.83 per thousand Interest Rate Interest Rate APR APR 2.99% 3.375% 2.99% 3.375% 5 Year 10 Year

Tara L. Fuchs, AuD, FAAA Doctor of Audiology Horizon Audiology 300A Princeton-Hightstown Road; Suite 204 East Windsor, NJ 08520 609.448.9730

$7.27 per thousand Interest Rate APR 3.75% 3.75% 15 Year

20 Year

30 Year

4.00%

4.50% 4.00% 4.50%

Interest Rate APR

APR

Interest Rate

“I would recommend Gunther Publications because is it not only informative, but provides residents with highly qualified professionals within their community”

$6.06 per thousand

$5.07 per thousand

We Also Offer Commercial Real Estate Loans. Please Call For Details. 732-462-6700 First lien primary residence up to 80% of the appraised value or Freehold Savings Bank has the first mortgage. Additional conditions may apply. Payments noted above include principal and interest only. It does not include amounts for taxes and insurance premiums, if applicable. For tax deductibility, please see your tax advisor. Rates are subject to change without notice. Application fee – loan amount of $100,000 or less the application fee is $135. Loan amount greater than $100,000 the application fee is $400. FREEHOLD SAVINGS BANK Experience You Can Bank On

For more information about advertising, call 732-995-3456

68 West Main Street • 3649 Route 9 North, Freehold, NJ 07728 freeholdsavingsbank.com NMLS ID# 408098

AP-NJG0013127-12

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The Millstone Times

March 2018