Spa City MONEYSAVER - MSS
Fixed-Rate Peace-of-Mind!
.75%
as low as
A.P.R.*
Rate adjusts every 5 years!
Refinance Your First Mortgage with a 5/5 Adjustable Rate Mortgage from HRCCU With HRCCU’s low rate guarantee, you can: - Save money - refinance your 1st and 2nd mortgages into one low rate home loan! - Use the equity in your home to tackle home improvement projects and consolidate higher interest rate debt! - Make budgeting easier - weekly payments are available! - Relock your A.P.R.* for a nominal fee.
312 Palmer Ave., Corinth ) 160 Broad St., Glens Falls ) 35 Niver St., Cohoes ) 3762 Burgoyne Ave., Hudson Falls ) 40 Leversee Road, Troy
LOAD EXPRESS 1-800-824-0700 - Option #1
Making Life Better
518-654-9028 HRCCU.org
*A.P.R. = Annual Percentage Rate. A.P.R. listed herein is applicable on a 5/5 adjustable rate mortgage (ARM) loan to value (LTV) of 50% with HRCCU in first position as lien holder and assumes applicant has a credit score of 730+. Eligible members must credit qualify and have automatic payments made from an HRCCU share draft checking account. Checking account must remain active otherwise HRCCU may increase the A.P.R. by .25%. Annual percentage rate is fixed for 5 years and reprices every five years thereafter. The A.P.R. cannot increase more than 2% per 5-year adjustment period and not more than 6% over the initial A.P.R. during the life of the loan. Other A.P.R.s and terms available. Rates/terms subject to change without notice. This loan offer is available on new home loans or existing HRCCU home loans when $10,000+ is added to the existing loan balance. HRCCU will pay a portion of closing costs and member will be responsible for any fees over this amount that are not paid by HRCCU. Mortgage tax varies slightly by county but could be estimated at $10 for every $1,000 borrowed. Additional fees, including but not limited to: appraisal; recording; attorney; title; etc. will vary depending on loan amount and type. Member may qualify for a one time rate relock prior to the expiration of the initial term for a fee of $500. The relock rate will be the prevailing HRCCU A.P.R. that member qualifies for at time of relock. The minimum loan amount available is $50,000 and maximum $417,000 . If your home loan is paid off within 60 months, all closing costs paid by HRCCU will be added to the loan payoff amount. Closing costs you may be required to repay are estimated at $2,500 for a $50,000 loan up to $8,000 for a $417,000 loan. NOTE: Home loan financing may be tax deductible. Consult your tax professional about deductibility in your situation.
Stillwater Free Library Hours STILLWATER – The Stillwater Free Library will be changing to its final schedule on Monday, April 4: Monday through Friday, 1-8pm; Saturday and Sunday, 10am-3pm. Thank-you for your patience during the trial period! (P)
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Top Cash Paid For All Unwanted, Broken & Damaged Jewelry, Gold & Silver Coins and Paper Money!
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C. L. HOME IMPROVEMENTS Taking care of all your window and remodeling needs. Neat and dependable. Fully insured. Free estimates CallRich(518)528-7173 DRYWALL Repairs Hanging/Taping. Saratoga and surrounding area. Call Tom Ernst 654-8101 Junk cars/ Junk Removal $1,000’s to spend on anything. Metal, big or small. We pay the most guaranteed. 495-9129 or 542-9033 LAW OFFICE OF OPAL F. HINDS Bankruptcy •Criminal Defense •Tax Resolution We are a Debt Relief Agency. We help people file for Bankruptcy. Reasonable Rates and Payment Plans Available Call 893-8100 PRO. ROOFING/ PAINTING. Reasonable rates, 20 yrs experience.Custom quality work Other services. 227-6542 DAVID P. DYLIS Counselor at Law Debt Relief Agent & Family Law 72 W. High St. Ballston Spa (518) 884-9388 Eve. & weekend appt. avail. HAY FOR SALE Large bales $3.25. Gansevoort area. (518) 792-0193
The Law Offices of
Brandi Burns
Bankruptcy .. Traffic Tickets/DWI Divorce .. Family Law .. Real Estate .. Wills 229 Washington Street • Saratoga Springs, New York 12866
(518) 583-0595 Free Initial Consultation! We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Flea Market, Light Luncheon & Bake Sale
ROCK CITY FALLS – Simpson United Methodist Church, 1089 Rock City Road, Rock City Falls, will host their annual Flea Market, Light Luncheon, and Bake Sale on Saturday April 2, from 8am-3pm (same day as the Grange on other end of Rock City Road). Donations of useable household items, toys, tools, puzzles, crafts, collectibles, antiques, etc. (but no clothes or TVs, please) will be accepted at the church daily from 10am2pm until April 1. Can now leave items on side porch if more convenient or call Welna Stephenson at 885-9316. (P)
THE STAMPED CONCRETE SPECIALIST
Stamping Concrete Since 1981 27th YEAR IN BUSINESS Personally Involved In Over 5 Million Sq. Ft. Of Stamped Concrete
• Walkways • Patios • Pool Decks • Driveways Etc.
We Also Resurface Concrete That Is In Good Shape
(518)
696-5443
COMPETITIVE PRICING FULLY INSURED
Square Dance
SCHUYLERVILLE – The Country Round and Square Dance Assoc. will host a dance (old style country) at the American Legion, Clancy Street, on Sunday, April 3. Meeting from 1:302pm; Buffet at 3pm; Dance from 2-6pm. Please bring a dish to share. Music by “Ole Time Country”. Everyone is welcome. Adults: $5; Ages 6-17 yrs.: $2; Under 6 yrs.: Free. Casual Dress. For additional information, call Floyd at 747-6687. (P)
Free Health Screening
SARATOGA COUNTY – Free health screening for Saratoga County Residents. Representatives for Saratoga County Public Health will be at the Moreau Community Center, 144 Main St., So. Glens Falls, on Tuesday, April 19, 10am-noon. Free screenings for glucose, cholesterol and blood pressure will be offered. Appointments are necessary, call the Center at 792-6007. (P)
THE BUILDING CONNECTION
BASEMENTS • ADDITIONS SIDING • WINDOWS ROOFING • DECKS ALSO ... KITCHENS
& BATHS BOOK Check Us Out On W NO If You Want An Affordable FOR Price and Quality & SPRING R Workmanship Call Us E SUMM ! For A Free Estimate TS References Given PROJEC 20+ YEARS EXPERIENCE
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