River's Edge Baking LLC
Got Cupcakes? We do!!! It's our specialty!
TM
We specialize in wonderful desserts, made from scratch,
the way we would make them for our family.
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rtStrin
Hea
10 Main Street
Clinton, NJ 08809
908.735.4020
Find us at the
Stangl Factory Farmer's Market
every Saturday from 9:00 am :00 pm
-2
or place your custom order anytime!
email: info@riversedgebaking.com
or call: 908.797.9204
Vintage treasures, gifts, women's & children's
clothing and accessories, jewelry, holiday decorations
For holistic financial planning* that protects you,
your family and your business…
14 East Main Street
Clinton, NJ 08809
908.735.6244
Tues - Sat 10 to 6
Thurs 10 to 7
Sun 11 to 4
e: magpiesconsignment
@gmail.com
Points of Interest
with Mike Hermann
16 Harrison Street, Clinton, NJ 08809
Phone: 908-730-6346
Email: jrivers@newroadsfinancial.com
Website: www.newroadsfinancial.com
* Fee-based financial planning and investment advisory services are offered through Newroads
Financial Group, a registered investment advisory firm.
Registered Representative (and Investment Advisor Representative), Securian Financial Services, Inc., Securities Dealer,
Member FINRA/SIPC. A Registered Investment Advisor. 400 Interpace Parkway, Morris Corporate Center #3, Building
C, First Floor, Parsippany, NJ 07054 (973) 299-9222. Newroads Financial Group is independently owned and operated.
Tracking#: 648503 DOFU: 4/2013
Free Consultations and Estimates
PUNCH LIST
CARPENTRY
I nterior R enovations
F inish C arpentry
www . P unch L ist C arpentry . com
Check Web Site for Current Specials
Specialty
in :
NJCR # 13VH05105400
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decorative walls and ceilings
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Q: What is the difference between a mortgage
pre-qualification and pre-approval?
A: A Pre-Qualification is a letter from your lender stating how
much house you can afford. It only takes into account your
income and your monthly debt/payments. It does not reflect
your credit report or financial history. A Pre-Qualification is an
educated estimate.
A Pre-Approval is more involved and provides you the actual
amount for which you qualify. You will complete more detailed
documentation and allow the lender to review your income,
debt, credit report and finance history. In many instances you
will choose your program and lock-in your interest rate -- both
making the mortgage process faster and easier when that offer
on your new home is accepted.
custom woodworking
Call today to find out how
much we can save you!
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built - ins and cabinetry
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entry ways and halls
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formal dining and living rooms
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mantels
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interior renovations
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exterior trim replacement
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Mike Hermann
Better Rates. Better Service. A Better Mortgage.TM
Thomas Endress
wayside lane
n
lebanon , nj
908.246.3797
www.ClintonTwpNewsletter.com
J
%
Spring time is house-hunting time. If you're
looking for a new home, a Pre-Approval or
Pre-Qualification letter will improve the
strength of your offer and help you
understand how much you can afford.
u n e
Regional Sales Manager
Residential Home Mortgage Corporation
(908) 625-6519
mhermann@rhmcloan.com
www.rhmcloan.com/hermann
NMLS#146466
*Source: LendingTree.com. Licensed by the CT & NJ Depts. of Banking & Insurance.
Licensed by the PA Dept. of Banking. Licensed Mortgage Banker - NYS Dept. of Financial
Services. NMLS# 71932. Hermann NMLS# 146466. 53 Frontage Road Hampton, NJ 08827.
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