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Page Background www.theconnectionsnj.com PROVEN • EXPERIENCED • TRUSTED DID YOU KNOW a 15 year fixed mortgage: 15 Year Fixed 2.875% APR 3.21% 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 6 years, 1/2 paid off in 9 years? • acts as a college fund and guaranteed savings plan?

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