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W W W . C L I N T O N T W P N E W S L E T T E R . C O M
C O N T A C T f R A N K G A L L A G h E R T O D A Y
T O B U Y O R R E f I
As of this writing, the current mortgage and refinance rates are some
of the lowest we've seen in a long time; on a 30-year fixed rate, the interest
rate is now at 3.0%, and the APR is at 3.122%. On a 15-year fixed rate, it's at
2.625% (interest rate), and 2.828% (APR). Is it worth it to refinance? Many
Americans are straddled with high-interest debt. If you have enough equity in
your home, refinancing to consolidate that debt into one monthly payment might
be a good idea. If the interest rate on a new mortgage is significantly lower than
your existing debt, you could save big.
My wife and I have truly enjoyed raising our children in beautiful Clinton
Township for the past two decades. Currently I'm the VP of our local Friendly
Sons of St. Patrick, and in the past I served as: a Red Mill Trustee, the Chairman
Planning Board Town of Clinton, and also the President of Pioneer Finance and
Mortgage Co., Inc.
Having a home you can truly call your own is a big step toward achieving
your financial goals. I have the knowledge, experience and loan options that will
get you there. I'm also flexible and creative enough to make the mortgage process
faster and easier for you, even if your situation is a bit complicated.
Whether you're buying or refinancing, I will:
• Explain every detail of your home loan
• Keep things on track through every step of the process
• Make sure you get to the closing table as quickly as possible
I look forward to earning your continued business and referrals with a higher
level of service than any other loan officer out there! Recently I was blessed to
be able to help a first-responder with a loan for their first home – truly a special
moment in my career.
From pre-qualification to credit analysis, loan structure is most
important. The company you go with is vital. I'm confident to refer my clients
through this process. If you'd like to refinance or buy, and/or have the process
explained, please call me, Frank Gallagher, today at: 908.500.2476, or email
me at: FrancisGallagher@myccmortgage.com.
"Hope is important because it can make
the present moment less difficult to bear.
If we believe that tomorrow will be beer,
we can bear a hardship today." ~ Thich Nhat Hanh
C A S A S h A W S E E K S A D V O C A T E S
Every year there are more than 100,000 reports of child abuse or neglect in
NJ and more than 10,000 children are removed from their homes because the
Court has found it to be too dangerous for them to remain in their homes. Court
Appointed Special Advocates of Somerset, Hunterdon and Warren Counties
(CASA SHaW) recruit, screen, train and supervise community volunteers to act as
advocates in court for children living in foster care. CASA volunteers are appointed
by a family court judge to discover the best possible outcome for an abused or
neglected child's future as well as make recommendations that support the
child's current needs. Volunteers receive support and supervision from a trained
social worker throughout the duration of their cases. To find out more, visit:
www.casashaw.org, call 908.689.5515, or email: info@casashaw.org.
"All kids need is a lile help, a lile hope and
somebody who believes in them." ~ Magic Johnson
"We must vote for hope, vote for life, vote for a
brighter future for all of our loved ones." ~ Ed Markey
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