Page 12 THE VILLADOM TIMES II • March 6, 2013 Know Your Neighborhood Businesses: RIDGEWOOD & GLEN ROCK Directory of Advertisers Araya Rebirth n 2000, Daniela Musano opened the doors of Araya Rebirth as a new concept for a new millennium. Originally located at the intersection of Maple and Ridgewood avenues in Ridgewood, Daniela has since moved into the Historic District on the ground floor of 10 Garber Square, the iconic building used to denote Historical Ridgewood. “Araya Rebirth offers the finest in skin care, hair removal, massage, and rejuvenation therapies. Our facial services are extensive and thorough, ranging from European Facials to Microdermabrasion,” Daniela notes. She is committed to the science of skin and the most comprehensive product lines the spa industry has to offer. Her talented staff is trained accordingly. In addition to being well-known for skin care and product knowledge, Araya Rebirth also specializes in makeup artistry. “Our team of makeup artists is committed to the trends of cosmetics and the art of photography makeup,” Daniela explains. “Bridal hair styling and makeup are also among the strong talents our style team has to offer.” Araya Rebirth was voted Best Facial in 2010 and received an Honorable Mention for Best Spa in a readers’ choice poll. DanDaniela Musano iela says Araya Rebirth has far surpassed any spas in the area for world class service, top of the line equipment, and the best variety of options, including vegan facial products and pharmaceutical lines for clinical care. Remember to treat that special someone, or even yourself, to a special product or a spa gift certificate. “See for yourself why you will not need to go anywhere else,” Daniela invites. Call Araya Rebirth at (201) 445-7005 or visit www.araya-rebirth.com for more information. I  Araya Rebirth  Atlantic Stewardship Bank – Ridgewood Branch  Eva’s Fresh  Excel Dentistry  Family Chiropractors of Ridgewood  Gary Stevens TaeKwonDo  Keane Fit & Wellness  Northeast Laser Vein Institute  The Ridgewood Chamber of Commerce  Ridgewood Fare  Town & Country Apothecary & Fine Cosmetics  Venn Center The Atlantic Stewardship Bank Ridgewood Branch: Where refinancing has never cost less he Atlantic Stewardship Bank located at 190 Franklin Avenue in Ridgewood provides convenient, off-street parking in the lot adjacent to the branch on Cottage Avenue. The Ridgewood branch also features a walk-up ATM and safe deposit boxes. This branch also offers drive-up service located a short distance away at 121 Franklin Avenue, with two teller lanes and an ATM. Atlantic Stewardship Bank is well known throughout northern New Jersey for its commitment to charitable service. Through its unique Tithing Program, each year the bank donates 10 percent of its profits to Christian and local non-profit and civic organizations. The bank is also known for its personal service. The high-touch of Atlantic Stewardship Bank is complemented by the high-tech product and service offerings such as the recently released ASB Mobile Banking App for the iPhone, iPad, and Android. When it comes to mortgage loans, refinancing has never cost less. When your Atlantic Stewardship Bank mortgage loan closes, you won’t have to pay a penny in closing costs. When you refinance with Atlantic Stewardship Bank you pay: No Title Fees, No Appraisal Fees, No Recording Fees, No Processing Fees, No Settlement Fees, No Tax Service Fees, No Underwriting Fees, No Credit Report Fees, No Commitment Fees, and No Flood T Certification Fees. In fact, the only fee you pay is a $400 Application Fee, which is refunded at closing.* Stop by the Ridgewood Branch and meet Branch Manager Paul Pellegrine; he will be happy to discuss your mortgage refinancing needs and provide you with the bank’s current interest rates and mortgage programs. Visit www.asbnowmortgage.com or call (201) 444-7100 to learn more. * If your loan application DOES NOT close, your $400 application fee WILL NOT be refunded. Offer is valid for single family, owner occupied primary and secondary residences located in New Jersey. Offer is subject to credit approval. Minimum loan amount $100,000. Maximum loan amount $625,500. Other loan terms may apply to mortgage loans under $100,000 and over $625,500. Offer is subject to program availability and may be cancelled or changed at any time. Not all applicants will qualify and not all properties offered will be acceptable under this program. Applicants will be responsible at closing for funding a tax and insurance escrow account, and any interim interest. Title and settlement services must be provided by a company from our Title Agency List. Applicants may select their own title or settlement provider; however, Atlantic Stewardship Bank will not be responsible for any additional fees charged by the alternate provider. NML#737325. Ridgewood Branch Manager Paul Pellegrine