The Villadom Times Weekly Newspaper Online-Oct 13, 2010 Issue

October 13, 2010 THE VILLADOM TIMES II • Page 7 Area Show of support Hon. William Palatuci, Republican national committeeman, New Jersey. pictured at right, was the guest speaker at an event honoring Bergen County Clerk Kathe Donovan recently held at the Ho-Ho-Kus Inn. Pictured with Donovan, left, is Hon. Eleanore S. Nissley of Ridgewood, Republican state committeewoman. Donovan is a candidate for Bergen County Executive. Among the Best-Managed Banks in America — Forbes (2007, 2008 and 2009) hassle-free Will I like doing business with them? Buying a home should be a very exciting time in your life. Nothing can spoil the party more than empty promises, expensive fees and hidden costs. At Hudson City, we’ve developed a pain-free, straightforward process that enables you to close your loan without stress, frustration or costly surprises. While rates are critical, we know that your peace of mind shouldn’t be taken for granted. It all comes down to trust. Bank on Better ValuesTM by visiting one of our 135 convenient branches or by banking online. For more information call 201.967.1900 / 856.428.2740 / 732.477.0931 or visit hudsoncitysavingsbank.com Decorating Den Interiors Comes to Your Doorstep! ertiﬁed Interior Decorators Lucia Palmeri and Lauren Woods provide a complete in-home or in-ofﬁce interior decorating service by bringing thousands of samples directly to their clients. They are then able to design the room in the client’s own surroundings. “It’s our belief that your home should indeed say something about you – your personal interests – the area in which Lauren Woods, C.I.D. and you live – your culture – your talents – your loves. A beautiful home doesn’t just happen. Good decorating is the result of Lucia Palmeri, C.I.D. good planning and should start by developing a comprehensive, detailed decorating plan. We have the talent, experience and specialized knowledge to help you pull it all together.” As owners of Decorating Den Interiors, Lucia and Lauren can provide a wide breadth of products from custom designed window treatments to carpeting and area rugs, wall covering, custom furniture, lighting and accessories. “We pride ourselves on our ability to work within our clients’ budgets to create a custom room for function, comfort and beauty. We handle all the details so you don’t have to.” “Clients working with our small business have the buying power of a very large established company behind us. Unlike a store, we have no loyalties to a particular vendor and in fact have over 100 different manufacturers to make the right choices for our clients.” Lucia and Lauren are ready to help clients with any size project. “No project is too small or too big.” Call (201) 6618606 today for a complimentary 90 minute consultation. C Mortgages 131 Mortgages Maximum Loan Amounts Rate APR Monthly Payment (per $1000 est.) 5-Year 10-Year 15-Year 30-Year 30-Year 30-Year Payout 30-Year Payout 15-Year Payout Fixed Rate 30-Year Payout Fixed Rate 30-Year Payout ($417,100 to $729,000) Adjustable Rate Adjustable Rate (Up to $1 million) (Up to $1 million) Fixed Rate (Up to $417,000) (Up to $417,000) 3.875% 3.408% $4.70 4.500% 4.002% $5.07 4.250% 4.287% $7.52 4.875% 4.896% $5.29 4.875% 4.888% $5.29 Loan amounts over $729,000 for “30-Year” products available—call for details. Full product menu available on our website. Ask about our “Jumbo” mortgage loans and“Interest-Only” offerings. Inquire about our additional Adjustable and Fixed Rate programs not shown above as well as our discounted programs for low/moderate income borrowers. For “Interest-Only” loans, add 1/4% to rates shown above. 20% down payment required on loans up to $1,000,000. ARM caps: 2% annual, 5% lifetime. ARM rate may increase or decrease after closing. Rates are subject to change without notice. Monthly payment shown above does not include amounts for taxes and insurance, thus resulting in the actual payment obligation being greater. �� MEMBER FDIC