Page 8 THE VILLADOM TIMES II • November 30, 2011 REFINANCE NOW WITH LENDER FEES! 30 yr fixed: rate 3.875% 0 points APR 3.94% 15 yr fixed: rate 3.25% 0 points APR 3.34% Apply now at www.ghmcramsey.com. Compare our rates to Hudson City or Valley National And consider that they will have closing costs as well. NO Call ������RAMSEY�� today. You will not regret having made the call. All rate/APR information based on a $300,000 loan, $500,000 appraised value, >740 FICO, SFR NJ owner occupied property or 2nd home. Guaranteed Home Mortgage Co. Inc. 298295 One Park Way 2nd Floor Upper Saddle River, NJ 07458 Licensed Mortgage Banker- NJ Dept. of Banking and Insurance. Equal Opportunity Lender. Not all borrowers will Qualify. Mike Blasius NMLS# 39640 11-23-11 Waiting for rate change....