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PROVEN • EXPERIENCED • TRUSTED DID YOU KNOW a 15 year fixed mortgage: Call today and have your home paid off in 15 years. O: 732.389.9898 x112 C: 732.742.4951 Andys@njlenders.com Licensed by the New Jersey Department of Banking & Insurance Andy Savoca Division Manager NMLS #7155 39 Ave at the Commons, Shrewsbury, NJ NMLS #1116706 • is made up of 65% principal from the first payment? • is 1/3 paid off in 5 years, 1/2 paid off in 9 years? • acts as a college fund and guaranteed savings plan? www.theconnectionsnj.com