MORTGAGE ORIGINATOR AND U.S.M.C. VET NMLS #184169 www.JimmyVercellino.com Offi ce: 602-908-5849 Email: jimmyv@fcbmtg.com If you are in the market to purchase a home contact Jimmy today while rates are still low. Jimmy lives in and serves the Arcadia Neighborhood. He’ll treat your family just like his own. As a U.S. Marine Corps Veteran, Jimmy was committed to serving our country. Now he is committed to serving You! The estimated savings are calculated utilizing the following loan scenario: Conventional Home Loan purchase in the state of Arizona with a LTV- 80, Loan Amount = $500,000, Single Family, Primary Residence, FICO = 780, Term = 30 years, Down Payment = $125,000 as of 5/18/2015. Individual savings may vary based on a credit score, LTV, location, and loan amount. Loan is subject to loan program guidelines and credit approval. The payments listed above represent a 30-Year Fixed-Rate Loan with the interest rate fixed for 360 months, based on a 30 day interest rate lock, on a single family primary residence, owner occupied property according to the loan amounts and loan-to-value (LTV) provided, and may include a fee equal to 1% of the loan amount. Loans with a loan-to-value (LTV) greater than 80% may be subject to mortgage insurance. The Actual APR may be higher than listed above. State and county maximum loan amount restrictions may apply. Information included is deemed reliable but not guaranteed. The Payments do not include taxes or insurance premiums, which may be required and could make the total monthly payment higher. First Choice Loan Services Inc. (NMLS# 210764) a wholly owned subsidiary of First Choice Bank (NMLS # 177877) is located at One Tower Center, Floor #18 East Brunswick, NJ 08816. First Choice Loan Services Inc. is registered or exempt from state licensing in the states it originates mortgage loans. Licensed by the NJ Department of Banking and Insurance. AZ BK#0918586 First Choice Loan Services Inc. is not an agency of the federal government and is not affiliated with your current lender. All loans are subject to credit approval. Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing. This advertise- ment is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to provide a loan approval or a specific interest rate. 7702 E. Doubletree Ranch Road, Suite 220, Scottsdale, AZ 85258. 5.18.2015 On the fence about buying a home? Here is the cost of waiting: J V Annual Percentage Interest Rate Mortgage Rate P&I** Today: 3.88% $500,000 3.89% $2,351.18 2015 Q4: 4.75% $520,000 4.77% $2,712.56 Over 30 Payment Difference: Monthly Annually Years $361.38 $4,336.56 $130,096.80 **Principal and Interest Payment Page 10 June 2015 By Tiffany Pankow, M.D. Prostate cancer is the second most common cancer among men in the U.S. Factors that may boost a man’s risk for the disease, according to the American Cancer Society, are: Age – Prostate cancer is rare in men younger than 40, but the chance of having prostate cancer rises rapidly after age 50. About six in 10 cases are found in men over 65. Race – Prostate cancer occurs more often in African-American and Caribbean men of African ancestry than in men of other races. Geography – The disease is most common in North America, Australia and on Caribbean islands. A family history of prostate cancer – Having a father or brother with prostate cancer more than doubles your risk. Gene changes – Scientists have found several inherited gene mutations that seem to raise the risk of prostate cancer, but they probably account for only a small percentage of cases overall. Mutations of the BRCA1 or BRCA2 genes may increase prostate cancer risk in some men. Men with Lynch syndrome, a condition caused by inherited gene changes, have an increased risk for several cancers, including prostate cancer. Diet – Men who eat a lot of red meat or high-fat dairy products appear to have a slightly higher chance of getting prostate cancer. Obesity – Some studies have found that obese men have a lower risk of getting a less dangerous form of the disease, but a higher risk of getting a more aggressive form. Remember, when cancer is found early, it may be easier to treat. See your physician to discuss screening tests that could include a prostate-specifi c antigen (PSA), blood test and a digital rectal exam. PSA, a substance made mostly by the prostate, may be found in an increased amount in the blood of men with prostate cancer. However, PSA levels also may be high in men with an infection or inflammation of the prostate or those with an enlarged but noncancerous prostate. — Tiffany Pankow, M.D., is a primary care physician at HonorHealth Arcadia. Knowing the risk factors for prostate cancer HEALTHY TIDBITS live love arcadia

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