New Jersey Statutes Title 46. Property 46 § 10B-39

(1) the current interest rate under the terms of the introductory rate mortgage;

(2) the date on which the interest rate resets from a fixed interest rate applicable during the introductory period to a variable interest rate;

(3) an explanation of how the reset interest rate and monthly payment would be determined;

(4) the best estimate by the creditor of the amount of the monthly payment that will apply after the date of the reset, and the assumptions upon which the estimate is based;

(5) a list of alternatives an eligible borrower may pursue before the date of the reset, including any refinancing of the loan offered by the creditor or any renegotiation of loan terms offered by the creditor;

(6) an explanation of the borrower's right to obtain a period of extension prior to the initial interest rate reset of an introductory rate mortgage pursuant to this act and an explanation of the procedure that a borrower must follow to obtain a period of extension; and

(7) a certification of extension form that can be completed by a borrower in order to obtain a period of extension authorized pursuant to section 5 of this act. 1