Page 32 THE VILLADOM TIMES I & III • September 12, 2012 Don’t miss the boat... before the rates go up. Rates have been more volatile of late and, with the uncertainty surrounding the elections, we feel it best to capitalize on the low rates before November. To do so, you should start the process now. You can work with Mike to custom tailor your loan such that you are comfortable with the amount of closing costs and monies due at closing. For example, you could structure your loan to have no closing costs and nothing due at closing. Call ������RAMSEY�� today. � ���������������� Or apply now at www.ghmcramsey.com, or email mblasius@ghmc.com with questions/inquiries. Mike Blasius NMLS# 39640 Guaranteed Home Mortgage Co. Inc. 298295 One Park Way 2nd Floor Upper Saddle River, NJ 07458 Licensed Mortgage Banker -- N.J. Dept. of Banking and Insurance. Equal Opportunity Lender. Not all borrowers will Qualify.