gmhTODAY 19 gmhToday April May 2018 - Page 68

Reimagine Your Space. Introductory Rate Home Equity Line of Credit 1.99 % 4.00 % Fixed for 12 months as low as APR* thereafter APR* Take advantage of this great offer today! Apply online at (408) 663-5022 | * APR = Annual Percentage Rate. APR can vary and is based on Prime Rate plus a margin of 0.00% to +5.00% based on credit rating. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal “Money Rates” table on the 20th of the prior month. Minimum APR 4%, maximum APR 18%. Up to 80% CLTV with loan amounts of $10,000 to $500,000. 10-year draw period, 20-year repayment period. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay interest accrued on that balance monthly. After the draw period, you may not withdraw any more funds from the line. Your loan is then amortized and you begin to pay the principal and interest monthly. There are no loan processing or early closure fees and no prepayment penalty. You may need to pay certain fees to third parties to open the loan. These fees generally total between $450 and $1,500. If you ask we will provide you with an itemization of the fees you will have to pay to third parties. Rates, terms and conditions are effective as of publication date and are subject to change without notice. Loans are available for owner-occupied properties in the state of California only. On approved credit. Offer not applicable on refinance of existing CommonWealth HELOC's. CommonWealth Central Credit Union membership is required prior to loan funding, and is available to almost anyone. NMLS ID #458544. FEDERALLY INSURED BY NCUA Gilroy Elk’s Lodge Pacific Brass Band Scholarship Concert Sunday, April 29, 2018 CHAMPAGNE & APPETIZERS RECEPTION 2 PM CONCERT 3PM TICKETS: $30 (includes champagne appetizer & dessert) RSVP by 4/26/18 408.842.9397 Music in the Vineyard Open to Elk’s Members and their Guests June 22, Entourage July 27, The Houserockers Aug 24, Zebop, Music of Santa Presented By Wine Tasting TICKETS ON SALE AT: Book Smart (Morgan Hill), First Street Coffee (Gilroy) Fifth Street Coffee (Gilroy), Porcellas Music Store (Gilroy) and Gilroy Elks Lodge 68 GILROY • MORGAN HILL • SAN MARTIN Tues-Sat 10am-5pm Sunday 11am-5pm 4525 Hecker Pass Hwy, Gilroy @fortinowinery 408.842.3305 APRIL/MAY 2018