At Home in Berks April 2017 - 14

FEATURES

MORTGAGE
ONLY 3% DOWN
NO CLOSING COSTS
LOW 3.875% APR*
Don't settle on your mortgage. Get the terms
you deserve from Visions.

While luxury vinyl is more expensive than laminate or regular
vinyl floors, it is less expensive than real stone. Environmentalists like the wood-look flooring because its manufacture does
not require the harvesting of trees.
In addition to its good looks, luxury vinyl is prized for its ability to withstand moisture. This quality means that it can be used
nearly anywhere in your home, including kitchens, bathrooms
and other areas that are prone to moisture, Stenson said.

Other Hard Surface Flooring Materials

While luxury vinyls are hot, they're not the only game in town.
When choosing flooring, you have your choice of dozens of
hard surface options, some of which are described here.
* Glazed and unglazed ceramic tile. Also called quarry tile,
ceramic tile is made from a mixture of clays that is fired at
high temperatures. Glazed and unglazed versions share the
same composition, except the glazed version is coated with
a thin layer of glass. These floors are easy to maintain and
valued for their durability.
* Terrazzo flooring. Terrazzo is made from cement that is
mixed with chips of glass, quartz, granite, marble or a combination of chips. Terrazzo flooring is durable and considered to be highly attractive.

v i si on sf c u. org
Pennsylvania

New Jersey

New York

Federally insured by NCUA.
* APR = Annual Percentage Rate. Credit union membership required with a $25 minimum deposit.
Promotion valid on the 15/15 Adjustable Rate Mortgage (ARM) product only. New purchase or
refinance of non-Visions debt. One- to four-family, owner-occupied, primary residence only. Maximum
mortgage dollar amount funded is based on region. Estimated savings of closing costs, which varies by
geographic market and property, would be at least $3,370, including, but not limited to, the following
costs: appraisal, flood determination, application fee, credit report, lender attorney fees, recording fee,
title insurance, and mortgage tax. Borrowers are responsible for initial escrow setup, interim interest,
owner's title insurance, tax service fee, borrower's attorney fees, survey, and private mortgage
insurance, if applicable. Monthly payment would be $470.43 on a $100,000 mortgage at 3.875% APR
with a 30-year term. Payment example does not include amounts for taxes and insurance premiums.
Cannot be combined with any other promotion or offer. Submit applications by Oct. 31, 2017.

AT HOME IN BERKs April 2017

* Mexican tile. Also called Saltillo tiles, they are made by
hand in Mexico from natural clay. This covering is very popular in Mexico and the Southwest. Because they are porous,
however, the tiles must be sealed.
* Concrete. Concrete is used for nearly every commercial
building slab, and normally was covered by tile or carpet. It
has become somewhat popular, however, to leave concrete
floors uncovered, especially with some retail locations.
* Granite. Although expensive, granite makes an ideal residential floor covering because of its durability and beauty.
The natural stone is stain resistant and not easily scratched.

http://www.visionsfcu.org

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