www.montereycountynow.com OCTOBER 10-16, 2024 MONTEREY COUNTY WEEKLY 7 Federally Insured by NCUA | Equal Housing Lender 831.479.6000 or toll-free at 888.4BAYFED, ext. 8304 www.bayfed.com/HomeLoans *6.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with up to 80% combined loan-to-value (CLTV) or less. The introductory APR will be fixed at 6.99% during the 12-month Introductory Period. After the 12-month Introductory Period, the APR is variable and is based upon an Index plus a margin. The Index is the “Prime Rate” as published in the “Money Rates” section of the online edition of the Wall Street Journal on the first day of the billing cycle. Eligible Lines of Credit loan amounts up to $400,000. As of September 19, 2024, the variable APR for Home Equity Lines of Credit ranged from 8.50% APR to 10.00% APR, depending on your credit score (the lowest APR disclosed includes any applicable rate discounts). The maximum APR during the term of the plan is 18.00%. The maximum loan amount is $400,000. An estimate of the fees imposed for opening the plan are $750 to $2500. However, these fees will be waived and/or paid by the Credit Union provided that our security interest in your home is maintained for at least 36 consecutive months from the date the HELOC account is opened. Otherwise, you must reimburse the Credit Union for these waived and/or paid fees. During the Draw Period, you may convert the variable interest rate and repayment schedule on a portion of your outstanding balance to a fixed rate and repayment schedule (subject to the terms and conditions set forth in the Home Equity Line of Credit Agreement). Each time you fix a portion of your loan balance, you will be assessed a charge of $50.00. Only three (3) fixed-rate options may exist at any one time. Offer is available for new applications submitted through December 31, 2024. Loans are subject to credit approval and program guidelines. Interest rates and programs terms are subject to change without notice. Property insurance is required. Other restrictions may apply. Bay Federal Credit Union membership required at the time of closing. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, ext. 8304. 1524 N. Main Street | Salinas Apply Today! Renovate your home, not your wallet. 12-Month Introductory Rate of 6.99%APR* with HELOC Flex Paid for and authorized by Dave Potter for Carmel-by-the-Sea Mayor | P.O. Box 4317, Carmel-by-the-Sea, CA 93921, FPPC ID#1443556 | Paid Political Ad JIMMY PANETTA Congressman, 19th District SUE McCLOUD Former Carmel-by-the-Sea Mayor KEN WHITE Former Carmel-by-the-Sea Mayor SAM FARR Former Congressman, 20th District JOIN US IN SUPPORTING DAVE POTTER FOR CARMEL-BY-THE-SEA MAYOR! FOR A FULL LIST OF ENDORSERS VISIT WWW.DAVEPOTTERFORMAYOR.COM Fmr. Mayor Dan Albert Tonya Antle David Armanasco Andrew Armanasco Paul Barber David and Donna Berger Sarah Berling Mike Brown Mark Blum Marguerite Blum Paul Bruno Brian Call Mayor Mary Ann Carbone Peter Carcione Charles Chrietzberg Bart Christensen Lou Cosentino Richard Cowperthwait Gwyn De Amaral Mayor Scott Donaldson Bill Dormandy Shary Farr Rebecca Fingerhood David Fink Scott Fradin Danielle and Aaron Fox Jack and Dawn Galante Rachel Goss Michael Groves Maggie Hardy Bob and Robyn Harrell Paige Healy Patrick Healy Sara Hinds Jack Holm Marian Horton Adam Hughes Toni Iseman Aengus Jeffers Rick Johnson Ross Kaplan Berit Keeble Alec and Buff Leach Hal and MaryAnn Leffel Thomas Leverone Denny Levett Vivien Lindley Doug Lumsden Shel Lyons Michael Mason Michael McMillan Murtaza Mogri Adam Moniz Robert Morris Clifford Nichils Natalie Nielsen Tom O'Brien Jay Pack Alan Perlmutter William Perocchi Jan and Niels Reimers Jon and Ann Reynolds Jim Rice Councilmember Bobby Richards Graeme Robertson Fmr. Councilmember Gerard Rose Tony Salameh Dana Schemm Eric Schlosser Sabu JR Shake Neil and Jill Sheffield Dixie Smith Florence Speck Doug and Lisa Steiny Mark Stilwell Bruce Taylor Chris and Anne Tescher John Turner Randy Tunnell Nancy and Tim Twomey Valentia Valentine Paige Viren Mark Watson Sara Zirkel...and more! ELECT JEAN RASCH MONTEREY CITY COUNCIL DISTRICT 3 District 3 – Who are We? Skyline and Upper Monterey Vista, With Homes Surrounded by Trees What Are Our Primary Issues? • Safety: Fire protection, Forest and Vegetation Management, and Dealing with the Results of the Climate Crisis • Maintaining a Robust Neighborhood and Community Improvement Program (NCIP) • Affordable Housing for All of Us and for the Next Generation • Strong Neighborhoods and Vital Neighborhood Associations Who Knows Our Issues and Since 2012 Actively Works to Resolve Them? JEAN RASCH EXPERIENCE AND PARTNERSHIP COUNT www.jeanrasch.com Paid for by the Committee to Elect Jean Rasch Council District 3 2024 FPPC #1468148
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