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CLASSIFIEDS Homes

Best money a buyer spends

E1 Times Herald-Record SUNDAY, JUNE 30, 2013

Because your business

MATTERS

Hire inspector to avoid purchasing a house of horrors BY SUSAN LADIKA

F

bankrate.com

rom a 15-foot boa constrictor holed up in the dark to a house ready to collapse in a stiff breeze to electrical wiring that bursts into

flames at the flip of a switch, home inspectors have seen it all. And those horror stories could be yours if you don’t have a home inspected before you buy. “Getting a home inspection is the best money a buyer spends, even if they end up not buying the home,” says Dominic Cardone, a regional vice president for the National Association of Realtors. While some buyers might balk because of the extra cost, spending a few hundred dol-

lars to get a home inspected could save you thousands in the long run.

Who will cover repair costs? Marvin Goldstein, former president of the American Society of Home Inspectors, or ASHI, recalls one new home he inspected in the Philadelphia area that had passed a city inspection, even though it had no toilets and was plagued by “incomplete, improperly done work. There was $75,000 worth of work needed” – not exactly pocket change for a buyer. In most home-purchase offers, it’s customary to include a clause making the transaction contingent on the findings of a home inspection. If the

inspection reveals real problems, what happens next depends on the contract. “It’s done differently in different contracts across the country,” Cardone says. The seller may cover repair costs; the buyer and seller might split costs; the seller might credit the buyer money to make repairs; or the seller might reduce the price. If they can’t come to terms, the buyer can walk away from the agreement.

Ignorance isn’t bliss As home inspectors will point out, what you don’t know can hurt you. Blaine Illingworth, an ASHI director in the Philadelphia area, has had more than his share of animal encounters while doing inspections. In the crawl space of one Pennsylvania house, “I came face to face with a 15-foot boa constrictor. It’s amazing how fast you can crawl backward.” The snake had gotten loose a couple of years earlier, and the owner thought it was dead, not residing under his house. Another time, Illingworth says he saved a family from carbon monoxide poisoning.

See HOME INSPECTION page E2

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2E

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

TO PLACE YOUR AD CALL 845-341-1100, option 5

www.recordonline.com

3 things you must do before signing a lease By Gary M. SinGer Sun Sentinel

Q. I am looking to rent my first apartment. How can I protect myself from getting into a bad situation? – Rick A. Knowledge is power, so you need to do your research. Renting is a long-term commitment, both because of the legal agreement you sign to stay there and also because of the time and expense in finding a place to live. The last thing you want is to find yourself in a nightmare situation that could have been avoided. You need to look into three things. Make sure that the area and home are somewhere that you want to live. Visit the community several times on different days and times to check for problems with parking, noise and crime. What looks to be a great community at 11 a.m. on a Wednesday may have lots of noise and no parking on Saturday afternoons. Or the next-door neighbor has barking dogs that you didn’t notice on the first visit. Then you need to look into the condition of the property, checking to see that it is wellmaintained, clean and cared for. Find out if the landlord provides regular pest control and how broken appliances and other issues are handled. The apartment will be in its best condition when the landlord is trying to rent it, and if things are not right then, they likely will be even worse later. Finally, check into the landlord. With so much in-

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Condo boards and unit owners are often at odds with each other. The best remedy is to get involved by running for a seat on the board or at least attending planning meetings. By keeping on top of the board’s future plans, it’s easier to alert other owners and take appropriate action. formation freely available on the Internet, it’s easy to find out from property records whether the person you are dealing with is actually the owner. Check court records to make sure the house is not in foreclosure or behind on its homeowner’s association payments. Also, see if your landlord has evicted people in the past and ask why it happened to get a sense of his or her attitude toward tenants.

Q. I live in a condominium

Home inspection Continued from page E1 The sellers thought they had the flu. Instead, he found a raccoon sleeping in the chimney, blocking the flue. Claude McGavic, executive director at the National Association of Home Inspectors, or NAHI, recalls inspecting a 1920s Florida home. “From outward appearances, it looked fine.” A closer look

showed termites had devoured the wooden framing, leaving it held together by the plaster on the walls. “I could have pushed it over,” McGavic says. Illingworth recalls inspecting a home owned by an electrical engineer, who proudly announced that he had wired the house himself. Unfortunately, he had used the wrong type of wiring. “Everything

for seniors, and the building needs repairs. The board has decided to hire workers for the job without consulting the unit owners, who would prefer to put the project out for bids. What are our rights? – Nora

Q. My condo board approved an assessment of more than $1.2 million in one building and $650,000 in another for a gated parking lot that the unit owners don’t want and didn’t vote on. Our bylaws say any special assessments for

was brown or black and crispy. I can’t understand for the life of me why it hadn’t burned down yet.” Water heaters also can be dangerous things, as Bill Jacques, ASHI’s president, found when inspecting a home in the Charleston, S.C., area. Water heaters have a pressure-relief valve attached to a drain line channeled outside. If it overheats, the valve opens, draining water so the tank doesn’t explode. In this case, the homeowner had substituted a turkey baster

alterations or improvements to the common areas must be approved by 75 percent of the unit owners. – Natalie

A. Natalie, because the board appears to have broken the rules, I recommend speaking to an attorney about suing the association and/or filing a complaint with the state. Nora, your situation is more difficult because the board likely can take this action. Unless there is some sort of kickback or insider relation-

for a drain line. “It would have blown the turkey baster away,” spewing hot water, Jacques says.

What’s involved? A typical inspection takes several hours and looks at things such as the heating and air-conditioning systems, plumbing, electrical system, and roof. Specialty inspectors can check for mold, radon gas and energy efficiency, McGavic says. If repairs are needed, hire a licensed contractor. That

ship, you probably will have to persuade the board to your way of thinking. In this column, I’ve recommended that unit owners who want to make real change need to run for the board and work from the inside. I realize this may not be possible due to time constraints or other reasons. At the very least, show up at the board meetings and politely voice your concerns. Get your neighbors involved by educating them on the issues that they might not even know about. Some residents have properly posted notices or created newsletters that led to great success in getting things fixed. The relationship between the condo board and its members is often contentious, and there may be no way around that. It’s difficult for the board to juggle the many priorities of the community, the limitations of the budget and the wants and needs of unit owners. Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. The information and materials in this column are provided for general informational purposes only and are not intended to be legal advice. No attorney-client relationship is formed. Nothing in this column is intended to substitute for the advice of an attorney, especially an attorney licensed in your jurisdiction. Distributed by MCT Information Services.

way, there’s a paper trail that the work has been done. And Jacques recommends having the home reinspected to make sure the repairs were done properly. In many parts of the country, a home inspection will cost a few hundred dollars, and the price is influenced by the age of the home, its square footage, and how far the inspector needs to travel, Jacques says. Distributed by Scripps Howard News Service, scrippsnews.com.


www.recordonline.com

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

TO PLACE YOUR AD CALL 845-341-1100, option 5

open house step into your future

LISTINGS

www.hudsonvalley.com/homes

GOSHEN $474,900

GOSHEN

Fine Village Living! OPEN HOUSE SUN 6/30, 1-4 PM 62 Murray Ave., Goshen, New York

Thomas E. Griffith Realtors, Inc.

DIRECTIONS: Rte. 17 to exit 124, Rte. 207 to North

226 Main Street - Goshen, NY 10924 (845)294-9333 ~ www.GriffithRealtors.com

St. Right on Murray Ave. See Sign.

NEWBURGH

Agent: MIKE

Key Properties of the Hudson Valley

MIDDLETOWN

845-566-1777

646-417-0635

Call Rich, 845-542-1169

Dir: 17K to Berea Rd, right on Browns to #3

PORT JERVIS $179,000 OPEN HOUSE JUNE 30TH 12:00 – 4:00 PM

Immaculate home 4 bedrooms, 1 ½ bathroom Large in town lot, 18’ by 36’ inground pool. Covered patio and nicely landscaped. $179,000

Era Meloi Realty 845-856-4492

Hamilton St. rt. on glass st. to 17 Diane Pl. See sign

Commercial & Industrial Property for Sale

LIBERTY: Mini Storage 102 Units, Great Village Location, Room to Expand $249,000. MIDDLETOWN: Campground/RV Pk 91Sites, 73 AC, 1.5MM Herschel Realty, Joe (845) 798-0052

MIDDLETOWN Firehouse and lot located at 22 Maltese Dr. Send offer to SLFD, 26 Maltese Dr, Middletown, NY 10940. Selling Your Home? For additional info, call 845 our classifieds help bring 343-7131 Ext 202. readers to your door

Times Herald-Record Classifieds Get Results!

845

343.7000

Rent

2 Bedroom 1.5 Bath .40 Acres

Commercial & Industrial Property for Sale WALTON,NY Restaurant for sale. Family run since 1986.located on main street of busy Delaware County comm.Walkin operation. Owners looking to retire.Great for family buss.or investment. Just on the Market so call soon.Call 607-4341839 for info and pricing

Selling Your Home? our classifieds help bring readers to your door

PH: 845-565-7073 www.hudsonvalleyrealestate-ny.com

MONTGOMERY

$349,898

Ellen Barrett 845-742-1131

Jodi Gillespie, Associate Broker Bernadette Gillespie, LLC

Dir: Little Britain Rd (Route 207) Near the intersection of Old Little Britain Rd

$340,000 and Up! OPEN HOUSE SAT & SUN, 1PM - 3PM BEAVER DAM ESTATES

Redone Dutch Colonial w/ approx 3000SF. 4 bedrooms, 2.5 baths, hardwood floors throughout, central air, newer furnace, pool and low taxes. Valley Central Schools.

Luxury Townhomes. Includes Oak Cabinets, GE appl & Kohler fixtures. This model is located on Pinto Rd #35. Come visit Ellen at the Open House!

DIRECTIONS: E. Main rt on Kingston Ave. Left on

475 Little Britain Road Newburgh, NY 12550

OPEN HOUSE SUN,1-3 PM

LIBERTY COMMONS

Ellen Barrett 845-742-1131

OPEN HOUSE SUN. JUNE 30 - 12PM - 3PM

Dir: From Newburgh, Rt. 9W (N). (R) on Devito. Home is on right #42. See signs.

MONTGOMERY

$249,000 & UP! OPEN HOUSE SAT. & SUN., 12-3 PM

Dir: NYSThruway to Exit 6, to Route 17W. Proceed 14 miles to Exit 120 (Middletown). R on Rt 211 E approx 2 miles to GoshenTpk. At light turn L, continue to Pinto Road.

TOWN OF NEWBURGH $199,999

319,900

New Construction Bilevel on 1. 7 acres. 4 bedrooms, 3 full baths. Home features: Open floor plan w/cathedral ceiling, 43 recessed lights, sliders to Trex deck. Granite kitchen w/island, breakfast bar, stainless oven & dishwasher. Master suite w/ walk-in closet, whirlpool tub & separate shower. Efficient Hydro air heat & C/ A. 15 minute to I84, I87 & Metro NorthTrains.

18 Beautiful New 3 BdRm Town Homes with stunning views. 8 ready for delivery. 30 financing @ 3.5% , 5% down, no PMI to qualified.

Call or e-mail for list of open houses sondra10100@aol.com cell 914-213-1550 Hosted by Sandy Cotthaus

Priced from $219,900 to $239,900

OPEN HOUSE SUN, 1-4 PM 42 Devito Drive, Newburgh, NY

218 ORLEANS, NEWBURGH, NY

845-565-6100

$

279,900

“Quality abounds in this Beautiful 4 bedroom, 2.5 BA custom built home situated on quiet dead end street. Built by Hillside Homes, one of the region’s finest home builders. Offers C/A, vaulted ceil., frplc & wonderful open flr plan on main lvl. Only mins to NYS Thruway,I 84, Newburgh Beacon Ferry, be’ful waterfront rest. & shopping. Metro North Train in Beacon. You’ll love coming home!

Northeastern Part -Town of Newburgh

Ellen Barrett 845-742-1131

$

OPEN HOUSE SUN 6/30, 1-3 PM 4 Peach Terrace

OPEN HOUSES PARADE OF OPEN HOUSES SIX OPEN HOUSESTODAY 1-3

Dir: Rt 17W to Exit 124, N on 207, L on Scotchtown Ave, 3rd R on Murray Ave.

OPEN HOUSE SAT. 6/29 & SUN. 6/30, 12- 4PM

DIR: Follow signs from Rt 52.

OPEN HOUSE SAT. & SUN. 12-3PM

TOWN OF NEWBURGH

HARNESS ESTATES

$239,000

NEWBURGH

$369,900 and Up! Phase II has begun. Includes hardwood floors, granite counters, GE SS appl & Kohler fixtures. This Cambridge Model is located on Murray Ave #201. There are several models to choose. Come visit Ellen at the Open House!

C. 1901 - Restored Formal LR & DR, large Family Rm & new Kitchen w/ walnut, SS appliances, granite & custom work station. Backyard oasis w/ IG salt water pool, sitting area, custom arbor & block patio w/ fire pit. Walking distance to village.

Commercial & Industrial Property for Sale

3E

GEOTHERMAL package for heat/AC/HW. No oil or gas bills. Save thousands. This Lexington Model is located in Beaver Dam Estates w/ 30 new homes. Open flr plan fully loaded w/ extras and upgrades. Come see for yourself!

Dir: Rt 17W to Exit 120, R-Rte. 211E, R-Chandler, R-Beaver Dam Rd, 2nd R-Tweddle Farm

Visit Marion Bruhns 845-744-8100

REAL ESTATE ADVERTISING PACKAGE:

OPEN HOUSE / HOT PROPERTIES LISTINGS start at

$

99. 00 Print & Web packages

Call Jennifer Olsen for details. 845-343-7000 ext. 3600 Condos & Townhouses for Sale Condos & Townhouses for Sale MILFORD,PA

NEW WINDSOR

2 BD, 2 1/2 BA

Oakwood Terrace Co-op

Call 570-735-4760 for more details

ERA Curasi 845-457-9174 Call Charlotte 845-541-4225

garage, gas heat, located in downtown 2BD, 1BA well maintained. $79,900 Milford. Quiet community. Front and rear decks. Unit L, End Unit. Pets. $1250/month

Custom Home Builders

Custom Home Builders

AFFORDABLE QUALITY HOMES 2012 AWARD WINNER 28 Yrs Exp. Custom Modulars FOR BEST MODULAR HOME In-House Site Work Pkgs Available. IN THE HUDSON VALLEY! Additions too. Free Prop Consults Highest Quality Modular Homes UNLIMITED Customization and Options Free Info Packet & Design Service 845.856.4310 Hudson Valley Home Source 845-294-5663 www.HVHomeSource.com

www.ButlerHomesInc.com

Homes for Sale HIGHLAND MILLS FOR SALE BY OWNER 4 BR, 2.5 BA COLONIAL On Cul De Sac. Living room, family room w/fireplace, dining room, kitchen, enclosed porch, central air, new roof, 2 car garage, Monroe Woodbury Schools. Price to sell $339,000 Call 845-527-0350

Your Home? Selling Your Home? Selling Your Home? Selling our classifieds help bring Selling Your Home? Selling Your Home? our classifieds help bring readers to your door

our classifieds help bring readers to your door

readers to your door

Times Herald-Record

our classifieds help bring readers to your door

our classifieds help bring readers to your door

Times Herald-Record Times Herald-Record your home or apartment Times Herald-Record Times Herald-Record Times Herald-Record Call 845-341-1100 ext. 3600 Classifieds Get Results! Classifieds Get Results! Classifieds Get Results! Classifieds Get Results! Classifieds Get Results! Classifieds Get Results!


4E

FHOMES atured

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

TO PLACE YOUR AD CALL 845-341-1100, option 5

WARWICK

MIDDLETOWN 179 South St. Town of Bethel

Make the move quickly to own your piece of Summer Paradise! Gorgeous sprawling 4 bedroom, 4 bath ranch/cape with 1st floor master suite. Meticulously maintained and updated, with so many custom features. Ideal for entertaining, with its parklike, professionally landscaped yard and gardens, private in ground pool with extensive decking. There’s even a cabana room! Centralized location near OCCC, minutes to highways, shopping, schools and the new ORMC.

$300,000

ABBE DISTELBURGER

Contemporary home on 18 acres w/3 car detached garage w/ upstairs living area & 2 sheds. Home offers enclosed porch w/ flagstone floor, open kitchen, dining area and living room with hardwood floors & stone fp, first floor bedroom, full bath and second floor bedroom with half bath. Liberty School District.

$129,900

Pine Bush Schools

Private two family home located in secluded country area yet close to major roads. First floor apartment features 2 bds, full bath, living rm w/fp, kitchen and private patio. While the second floor apartment features 2 bedrooms, full bath, kitchen, living rm w/fp & access to expansive deck overlooking peaceful wooded backyard. All this on 3 acres. Pine Bush Schools.

$179,000

Pine Bush Schools

Well maintained 2600 sq.ft. ranch home on 5.2 private acres. Home features 4 bds, 1.5 baths, living room w/floor to ceiling window, large kitchen/ dining combo w/island & sliders leading to spacious sunroom that has 6 sets of sliding doors all surrounded by a private deck overlooking spacious back yard. Pine Bush Schools.

$239,900

RJ Smith Realty

RJ Smith Realty

RJ Smith Realty

845-341-6572

Ask for team RJ

Ask for team RJ

Ask for team RJ

MONTGOMERY

123 Lake Shore Dr. W

D.L. Hawkins and Associates

101 BROWNS ROAD

Brand New 2,768 sq.ft. Colonial on lovely 6.9 acres. Home features: 4/5 bedrooms, 2.5 baths. Formal dining room, office, living room, laundry room & granite kitchen w/ island & cherry cabinets. Family room w/gas fireplace, mantel & sliders to stampede concrete porch. Large master suite w/ Huge walk-in closet, double vanity, whirlpool tub & separate tiled shower. Walk-out basement, hardwood thru-out, C/A & Hydro Air heat. Near I84 & I87. Valley Central Schools.

$394,875

www.recordonline.com

744-2095

744-2095

744-2095

PRICE REDUCED! Step back into yesteryear. This turn of the century farmhouse is just waiting for you. All the charm and character of yesterday. 5 bdrms, 2.5 bths. Rocking chair porch. Deck overlooking the private back yard. Plus a barn with electric and a storage shed.

Breathtaking Luxury, Spectacular Views 4651 sq. ft. of elegance offers 4/6 bedrooms, 2 master suites, 4 baths, private balconies and heated 3 car garage on 5 acres, Warwick Schools.

$699,999

$289,000

ASSOCIATE BROKER

ARC REALTY #1 IN SALES

845-741-3643

Call Sue Layden 914-490-9640

3 bedrooms, 2 baths, 1428 sq. ft. ranch home on 2 ac. Hdwd fls, tile baths, 2 car garage under. Builder can finish downstairs to make 2,000 sq. ft. for nominal price. Quiet country living in Minisink School dist.

3 bedroom, 2 bath ranch on 4.5 acres with 65 X 26 pole barn includes black dirt field located on quiet Town Rd.. Goshen Schools, priced to sell!

TOM PAHUCKI

ASSOCIATE BROKER

$249,900

TOM PAHUCKI

RJ Smith Realty

Goshen

New Construction

ASSOCIATE BROKER

RJ Smith Realty

845-741-3643

$209,900 TOM PAHUCKI

RJ Smith Realty

845-741-3643

ROCK HILL

To Advertise on this page Contact Jen Olsen 845-341-1100 ext. 3600

Gorgeous 4 BR Contemporary Lakefront in community with access to 3 lakes. Owner relocating. See pictures and details on www.Realtor.com MLS ID # 541890 Priced at $329,900

JOSEPH HENLE, ASSOCIATE BROKER 845 796 6139

Rates As Low As $59

Call Adriane Werkema 845-542-6115 Adriane@NYEstates.net

Homes for Sale

Rent your home or apartment Call 845-341-1100, ext. 3600

Homes for Sale TOWN OF MAMAKATING

Beautiful MOVE-IN READY 3 BR 1.5 BATH Raised Ranch Home. MINISINK SCHOOLS and close to MIDDLETOWN. NEWLY RENOVATED Large Family Room on Lower Level.NEW KITCHEN with New Dishwasher, Oven Range, and Microwave. NEW BATH with Tiled Tub Enclosure and Vanity. 2 CAR GARAGE and Oversized NEW Blacktop DRIVEWAY. BEAUTIFULLY LANDSCAPED w NEW DECK. Laundry Room with 2 HOMES New Homes Const. complete!! Washer - Dryer. Now $232,200 FOR THE PRICE OF ONE Your lot or mine. Comm/resid, Call Jane (914)260-9161 1 BR/1 BA & 3 BR/2 BA, on a 1 ½ remodel & adds. Guar to beat any est! www.comehometoorangecounty.com acres. Great income property, rent one Fully insured! Call 845-344-5174 and live in the other. Both have been renovated. On rt. 209 mins to Rte 17 ORANGE COUNTY Asking $99,000. Call 973-402-1466 our classifieds help bring OPEN HOUSES readers to your door (845) 562-4800 Selling Your Home? Newburgh -19 Englebride Pl. 4BR, 2 BA Split Level, 1606 SF our classifieds help bring readers to your door $189,900 WebID#543053 Classifieds Get Results! Times Herald-Record SUN 1-4PM

MONTGOMERY Price Adjusted for Immediate Sale $270,000 2784 sq. ft. 4/5 bedrooms, 3 full baths, completely finished downstairs w/oversized garage on .83 ac. New kitchen, hardwood floors, 3 season room. Tom @ RJ Smith RE. 845-741-3643 SPRING GLEN, NY PORT JERVIS OPEN HOUSE SUNDAY 6/30 1-4pm FOR SALE BY OWNER MUST SEE! Beautiful 3BR, 2BA 1680sq ft on 1 acre with spacious kitchen, DR, LR, master suite. Multiple decks are perfect for entertaining. Full basement and walk up attic. Close to I-84 yet surrounded by nature. $219,000. www.13hvrd.com 917-294-8921

Homes for Sale

MIDDLETOWN-Outskirts $405k MIDDLETOWN Minisink Schools, Tn of Greenville 4 BR COLONIAL HOME $300,000 r Neg. Farm house w/1 dairy barn, horse barn & spring house. 4 BEDROOM HOME $245,000 rNeg. New Construction 3,650 sq ft On 5.6 acres 4BR 2½ BA on 1.7 acre maple 845-697-4011 or 845-866-0016 cabinets, granite tops, 9’ ceils, c/a, PINE BUSH/ROCK HILL/WALLKILL carpet/oak/ceramic floors, walk in (2) 1BD hses/2a/renv/PB $115000 closets, jacuzzi, 2 car gar, stone front 3Bd,2b All renov/Rock Hill $160000 w/paver walkways. 2fam 3bd,3b/apt/renv Wllkll $315K Other lots & financing available. 778-2263 Wolfe Realty 800-6482 SARACONSTRUCTIONNY.COM

$90 SF on

Selling Your Home? Times Herald-Record

Classifieds Get Results!

343.7000

845

Homes for Sale LIBERTY Great location! Immaculate 3BR, 2 BA, baseboard heat, 2-Story, carpeted, 2-car attached garage, finished bsmt w frpl 1750sq. ft., fenced yard, 3 acres, Attractive Setting, 11 y/o. Move in ready! $209,900 (845)866-0518

Land Our Newest Affordable Acreage Upstate NY/Owner Financing - 60 Acres, Cabin, Stream & Timber: $79,995; 80 Acres, Nice Timber, Stream, ATV trails, Borders Farmlands, Great Hunting: $74,995; 73 Acres, Pine Forest, Road front, Utilities. Minutes to Oneida Lake Boat Launch: $75,995; Small Sportsmen fs Tracts: 3 ]5 Acres Starting at $12,995. Call 1 ]800 ]229 ]7843 or info@landandcamps.com PINE BUSH NY *****4.5 Acre Building Lot***** 1 Acre house site cleared!!! Driveway cut-in, trees cut and stumps removed. Engineered to accommodate a 4-Bdrm house Easy Access To Route 17k, Route 17 & I-84 $60,000 Ç 914-213-8838 TWIN LAKES, SHOHOLA, PA Nicest lot in Twin Lakes Preserve. Raise kids, host grandkids or just enjoy the Poconos. Small friendly private community. Sandy beach, tennis courts, play areas. 1 acre. Sacrifice at $85k. 215-588-4289.

Sell your home.

Advertise in the Times Herald-Record.

Manufactured Homes for Sale

Manufactured Homes for Sale

Manufactured Homes for Sale

BLOOMINGBURG ELLENVILLE/NAPANOCH NEW WINDSOR/CORNWALL SCHLS New Twin Lakes Village 3 bdrms, 1 bath #14, 2012, 3 bdrms, 2 baths. BeauBONUS!!!! Full Tank Of Fuel tiful home located on lake, 16x76. new flrs & carpet. Shed. Updated $49,900 appliances including washer/dryer. Near West Point/Stewart/84. # 7 2 : 2012, 24x56, 4 bdrms, 2 Brand new water heater, park is family Financing avail. for qualified persons oriented. Kids are great. Ellenville baths. Priced reduced to $65,000. Call 845-304-6907 Schools. $15,900. Community pool, lake, clubhouse. paradisepark.nwny@yahoo.com 845-399-4240 , 647-2652 845-733-4548

SUMMER SPECIAL!!! DOUBLE WIDE $78,900

BURLINGHAM NEWLY RENOVATED 2 BDRM, 2 BATH MOBILE QUIET FAMILY PARK Pine Bush Schools $14,000 Evelyn: 845-733-8397 Victoria: 845-496-5476

MIDDLETOWN/GREENVILLE off RT6 Green Acres- 80% Senior New 2013 Champion by Titian 14 x 66 2 BR/2 full BA/ Turnkey/ Financing Available/ Call any time! 355-2568/986-8680

$29,900

Lovely 2 BD, 1 BA single wide preowned, clean and neat. 845-496-1121

www.brooksideacres.com

MONTICELLO KINNEBROOK ESTATES CONNELLY 2005 DOUBLE WIDE #28A: Spacious 2001, 3 bdrm, 2 3 Bedrooms, 2 Baths, EIK, Central Air, bath, 28x44 located on extra large lot Shed, $44,900 in Connelly Terrace. Appls, fpl. Please Call: 845-794-6066 REDUCED , $39,900 HUGUENOT # 4 0 : 1979: 2 bdrms, 1 bath, our classifieds help bring 14x70. Priced reduced to $23,000. readers to your door Located in Huguenot Estates. 845-856-4545

Selling Your Home?

Times Herald-Record

Sell your home. E-mail realestate@th-record.com

WASHINGTONVILLE

Classifieds Get Results!

WASHINGTONVILLE New! Spacious 2 & 3 BD units. Single and Doublewides. $57,000-$87,000 1 month free lot rent. Brookside Acres ∂ 845-496-1121 WURTSBORO: BUILT IN 2006, This16’ Wide Home Is Like Brand New! 2BD, 2BA, frpl W/D. $34,900. Walk to Village. Fin Avail. (845) 888-4600 Rent your home or apartment


www.recordonline.com

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

TO PLACE YOUR AD CALL 845-341-1100, option 5

HudsonValley.com HOMES

Recent sales

5E

See page 12D for more recent sales and Local Loan Rates

ATTENTION REALTORS: Submit listings at hudsonvalley.com/homes. Deadline is Thursday at noon. Listings will appear two Sundays following date of submission. Questions? Call 346-3253.

BLOOMING GROVE $50,000; Clove Road, vacant land, residential, 2.37 ac, LA: ARC Realty #1 in Sales, Monroe/SA: ARC Realty #1 in Sales, Monroe

CORNWALL-ON-HUDSON $142,500; Vinebrook Avenue, 4 BR/1.1 BA two-story, 1184 sf, blt 1890, LA: Smitchger Realty, Cornwall/SA: Smitchger Realty, Cornwall

MIDDLETOWN $190,500; Beth Drive, 4 BR/1.1 BA raised ranch, 1794 sf, blt 1975, LA: Keller Williams Realty, Highland Mills/SA: John J. Lease Realtors, Middletown

MONROE $430,000; Woodcock Road, 4 BR/2.1 BA colonial, 3700 sf, 1.3 ac, blt 1992, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: Better Homes and Gardens Rand Realty, Central Valley

NEWBURGH $410,000; Willets Way, 5 BR/2.1 BA colonial, 3068 sf, 1.3 ac, blt 2008, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Bernadette Gillespie, LLC, Newburgh

BLOOMING GROVE $50,000; Clove Road, vacant land, residential, 5.1 ac, LA: ARC Realty #1 in Sales, Monroe/SA: ARC Realty #1 in Sales, Monroe

NEW WINDSOR $90,000; Oxford Road, 3 BR/2.1 BA ranch, 1422 sf, blt 1965, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: RE/MAX Benchmark Realty Group, New Windsor

MIDDLETOWN $175,000; Witte Drive, 3 BR/1 BA raised ranch, 1631 sf, blt 1972, LA: RE/MAX Benchmark Realty Group, Middletown/SA: Better Homes and Gardens Rand Realty, Central Valley

NEWBURGH $225,000; Maple Drive, 4 BR/2 BA Cape Cod, 1382 sf, blt 1954, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: Better Homes and Gardens Rand Realty, Newburgh

NEW WINDSOR $172,000; Cedar Avenue, 4 BR/1.1 BA split-level, 1272 sf, blt 1956, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Century 21 Alliance Realty Group, Wappingers Falls

CORNWALL $304,000; Holloran Road, 4 BR/3 BA colonial, 2226 sf, 1.4 ac, blt 2012, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, New Windsor

HARRIMAN $165,000; Heritage Road, 3 BR/1.1 BA town house, 1360 sf, blt 1978, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: Better Homes and Gardens Rand Realty, Suffern

MONROE $192,470; Concetta Court, 2 BR/2.1 BA town house, 1284 sf, blt 1995, LA: Keller Williams Realty, Highland Mills/SA: Real Estate Circuit Inc., Middletown

NEWBURGH $455,000; River Road, 4 BR/3 BA contemporary, 2940 sf, 3.5 ac, blt 1988, LA: John J. Lease Realtors, Newburgh/ SA: John J. Lease Realtors, Newburgh

NEW WINDSOR $170,500; Keats Drive, 3 BR/1 BA ranch, 1532 sf, blt 1977, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Real Estate Solutions, R.J. Smith Realty, Pine Bush

ATTENTION REALTORS:

CORNWALL $255,000; Mailler Avenue, 2 BR/1.1 BA farmhouse, 1152 sf, blt 1890, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: RE/MAX Benchmark Realty Group,

HAVERSTRAW $185,000; Feeney Place, 3 BR/2 BA ranch, blt 1959, LA: RE/MAX Benchmark Realty Group, New Windsor/ SA: Better Homes and Gardens Rand Realty, New

MONROE $170,000; Forshee Street, 2 BR/1 BA ranch, 860 sf, blt 1950, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/SA: RE/ MAX Benchmark Realty

NEWBURGH $124,900; South Street, 2 BR/1 BA ranch, 912 sf, blt 1930, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Hudson Valley Home Connection, New

Submit listings at hudsonvalley.com/ homes. Deadline is Thursday at noon. Listings will appear two Sundays following date of submission. Questions?


Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD Apartments

Manufactured Homes for Sale WURTSBORO

BLOOMINGBURG Nice Cottage- type,1BD apt. Parking, yard $850/month. Large kitchen, stainless steel appliances, w/d, large living room w/gas Cozy Studio with kitchen $625 fireplace, central air, all gas, large lot. BOTH INCLUDE ALL UTILITIES!! 1/2 Mile to Route 17 Asking $120,000 ûû Call 201-934-4940 Call 845-644-4262 WURTSBORO: BULLVILLE, THE PRICE IS RIGHT! Partially 2 bedroom apt, off street parkFurn. 3 BD, 2 BA, All Appliances, Lg ing, $1000/month + utilities Deck & More! Ask $17,900. Fin. 845-361-4997 for info Avill. $1,800 Down 845-888-4600 CALLICOON, SULLIVAN CNTY

Apartments

Apartments

DEERPARK/SPARROWBUSH

ûBEAUTIFUL 2 BR APT û

LARGE 3 BR, 2 BA HOUSE

ALL AREAS

TO PLACE YOUR AD CALL 845-341-1100, option 5 Apartments

Nice yard, EIK, DR & LR. 1st floor. Available immediately. 1 mo sec. $850/mo. Section 8 ok. Plenty of parking available Call 845-283-5683 or 845-283-5375, 845-692-6249 ELLENVILLE

1 BEDROOM

Upstairs unit, non-smoking, $650/mo. Utilities included. 845-733-6165 or 845-744-3138

3BR LUXURY APT

Zip 12723 On mountain side overlooking 30 mis. Near Villa Roma Resort. Master br /jacuzzi /priv deck /ba /lrgdeck, d/w, w/d hookAPARTMENTS 856-4400 /fireplace $600-Port Jervis-Studio-Incl Heat/HW up & more. SL W. School Dist. $650-Huguenot-1BR- W/D HU- Big Yd $1100/mo+util. Pets ok No smoker 800-926-2459 $650-Ellenville-1BR-Nice Big Yard $695-Walden-1BR, 2Flr. Inc Heat/HW CHESTER $750-Port Jervis-West End-1st Flr GREEN MEADOWS $750-M-Town- 1 BR Gt Area- 2nd Flr 1br, $940 w/h/hw. $800-Ellnvlle-Mint 2BR- -LL Pays Fee Criminal/credit/rental check required. $800-TN Newbrugh- Incl Heat/HW $835-Blmbrg-1 BR- incl Ht&Elec-Deck Income limits apply. Excellent for seniors! EHO. Call 845-297-2004 for $850-Huguenot- Spacious 2 BR$850-Minisink- 1BR-Waterfrnt-Lrg Deck info $850-Milford-2BR-Very Nice-Yd-Pet OK $850-Rock Hill-2BR-Deck-W/D HU Priv $860-Port Jervis-2BR-Lg Kitchen- Big $875-Prt Jrvs-2 BR-Nice Apt -Incls Heat CORNWALL $875-Pt Jrvs- 2 BR--Incl HT/HW $892-Port Jervis- 3BR-W. End-NR Park 1 BEDROOM $895-M-Town- 1 BR- Big-Inc Heat/HW NEWLY RENOVATED $895-M-Town- 2 BR- Nice Apt-Parking $950-Blmbrg-2 BR 1st Flr-fmhse-Yard Laminate Floors. No Pets, No Smoking. $800 per Month + Utilities with 1 $1000-Blmbrg--2BR-10min M-Town $1000-TN Nburgh- Delux 1BR-Incl Utils Month Rent & Security. NO FEE! SMITCHGER REALTY $1075-MV Schls - 2 BR - Yd Incl Utils! 845-534-7874 $1100-M-Town-2 BR-Mint-Incl HT/HW $1100-Newburgh City-2BR-renovated $1175-Maybrook-2BR-Heat/HW-Pets CORNWALL ON THE HUDSON $1350-TN-Nwbrgh-2BR-byLake-All Utils SCENIC, FULLY RENOVATED LARGE 1 BEDROOM APT $1400-H-Falls- 3BR-In Town-Very Nice $1400-M-Town-3BR-2nd Fl-HW Floors With Large Priv Wrap Around Pourch Heat, Hot water, WiFi & Laundry INgoto orangewestrealty.com CLUDED. Off street parking. Orange-West Realty 856-4400 $1200/mo 1 mo security. No pets, No smoking. Available June 15th. ARDONIA Call: 201-961-4667

Realtor Fee only $595

1 BED APARTMENT

W/ LR, Kit & 1 Bath - New Stove, Frig, Carpets, Paint & Windows. Very Nice Quite Neighborhood. No Pets/Smoking. $650 + 1 Month Sec. Inc. H/HW & Trash. Call: 845-633-1174

,

CORNWALL Park Townhouses

$500 OFF SECURITY

Ellenville SUMMER SIZZLER - Up to 2 Free Months Rent on select apartments with a 13-14 month lease. PLUS RECEIVE $500 Gift Certificate for NEW Furniture! Newly renovated 2 BR 1.5 bath apartments with oak kitchens, new appliances, ceramic tile and wall to wall carpeting available now. On site laundry and parking. Private Country setting with pond. Must qualify and move in by 7/1. Close to Rt 17 and Rt 52. Easy commute to Middletown, Monticello and Kingston. $825 plus utilities. No Pets. Call (718)358-7200.

Apartments GREENWOOD LAKE

GLENWILD, NY

LAKE FRONT APTS 1, 2 & 3BR $500, $650, $800 20 Mins From Middletown!! All elec (not included) apts. Last month, Security, lease, "NO dogs". 9-5pm; 845-434-5442 lv msg GLEN WILD, ROCK HILL 1 BEDROOM APARTMENTS $600 & $650 20 Miles From Middletown, 2 Miles for RT 17. Includes Electric. Quite, Lots of Parking. 1 Pet Ok! Please Call: 845-434-3593 GOSHEN 1 Month Free Rent REDUCED RENT 55+ SENIOR COMMUNITY 1 BDRM STARTING AT $795 heat & hot water included! On site maintenance & laundry facility. Beautiful & spacious apts. Call Today! Offering 291-1211.

EHO

GOSHEN GLORIOUS SUMMER AT

BRIARWOOD APTS

Lots of space, eat in kitchen, Dish Washer, pool, extra storage. Magnificent country setting next to beautiful Salesian Park and historic Goshen Village. 1 & 2 Bedroom, BRIARWOOD HOUSE APTS

18 Craigville Rd 914-450-4496

www.briarwoodhouseapt.com GOSHEN

1 BED ROOM

Call 914-943-1849 HARRIMAN 1 & 2 bdrm apts from $1219 Brookside Gardens Rent incl. heat, hot water, w/w, a/c’s, appliances. playground & pool, no pets, NYC commuter bus stops at entrance. Quiet, beautiful grounds. MW Schools. Woodbury recreation 845-782-6124

70 Gilbert St., Monroe, NY • 845-783-5145

HIGHLAND MILLS/WOODBURY

JUST LISTED

*NEW GORGEOUS COLONIAL* *Great Model w/Mstr.Ste(playrm) on 1st level & Xlrge Mstr. Ste on 2nd level*4300 SF, 4/5 Bd, 3.5 Ba*2 Story Great Rm w/ Stone Fpl*Beautiful Gourmet Eik,Coffered Ceil,Granite*All Mahogany flrs *Bay Windows *Tiled Ba *Walkout Bsmt *Circ. Drive *M-W Schs *Min.to Hwy, NYC Bus/Train $589,900 CALL ROZ NOVICK 845-783-7685

“HOUSE BEAUTIFUL” Monroe Village! 4 BR Colonial so lovingly maintained! Sparkling HW floors + ceramic! Sun-filled island kitchen! Monogram frig! Sunken FR w/full brick frpl & built-in bookcases! Formal DR w/chair railings! Central a/c! Lush landscape + in ground pool! Municipal services = water, sewer & gas! Centrally located for shopping & major transp! $349,900 RITA GEISSLER 783-RITA WARWICK GROVE Better than new & decorator perfect, this totally upgraded & meticulously maintained 2-3 bdrm home in the County’s premier 55+ community features 1st floor MBR suite, award-winning garden, C/A, hardwood, fplc, rocking chair porch, 2 car gar & fabulous on-site amenities & activities.. A “must see” @ $484,900. DONNA GENOVESE, BKR, 845-988-1934. NEW BEAUTIFUL BILEVEL! ~ $274,900! All built! Move right in! Granite island kit&stainless appls! Soaring ceiling&open fir plan! 3 br! 3 baths! 2 car gar! Walkout fam rm! 2 car gar! Wood flrs! Master suite & bath! 2 level country acres! Warwick schls! Cul-de-sac of new homes! Call Rhonda Dnistrian 783-0860

GREENWOOD LAKE & VIC

Commission

Call For Details 845-783-5145 MONROE & VIC

VINTAGE BEAUTY! Step back in time & enjoy privacy yet village conveniences. 4/5 bd,2fb updated,fr doors from liv to covered porch, orig moldings beautiful hdwd, ingrd pool, exc comm loc. $365,000 Call Sue Bisaccia 845-774-5859

CONTEMPORARY FLAIR Beautiful 3 bdrm, 2 bath village contemporary. Private one acre lot located at the end of a cul-de-sac and bordering state land. New kitchen and bathrooms. Soaring ceilings with lots of glass and fireplace in the living room. Wrap around deck overlooking yard. $284,000 Ask for Sue Layden 914-490-9640.

LAND

HAMPTONBURGH Fully Engineered! Bring your builder. 1 acre approved building lot Wash’ville schls great comm loc. $52,900 Call Sue Bisaccia 845-774-5859 TUXEDO 4.8 acres on Rt 17 Zoned Res/Highway Business High traffic exposure Monroe Woodbury Schls $359,900 Call Sue Bisaccia 845-774-5859

MIDDLETOWN 3 BDRM/2 BA 1st floor Private. Freshly painted, dishwasher, fridge, range. A/C, deck. Juniper Fields Apt. Complex - Concord Lane @ High Barney Rd. 2 prkg spaces. Mins to I84, train, bus & mall. $1190/mo & utils. No pets/no smoking. 845391-3747.

HIGHLAND MILLS $750/Month. 7 Brand New Park Model Homes available. 2BR, 1BA, furnished, central air, 1 car parking. No pets. Available immediately! One year lease, must have good credit. In a desirable, safe, and quiet community. First month, last month & 1 month security required. 845-928-6769 or 845-699-0990

MIDDLETOWN 3 Bedroom, 1 Bath, 2nd Floor of 2 Family House, Yard, Private Parking, Extra Storage, Section 8 OK $1150 + Utilities Call: 201-264-3027

MAYBROOK

1½ months security. 1 month rent. No pets. Parking. $1200/mo.

2 bdrms, 2nd floor Bright, open, renovated

A/C. Offstreet parking. Cable ready. Island kitchen, icemaker, dishwasher, microwave. $1000/mo plus utilities. Security & references. 845-427-2286

#1

Rhonda Dnistrian, Donna Genovese BROKER OWNERS

Call 845-978-5493. (Must fill out credit app.)

∂2 BDRMS $975

3BR 1.5BA 1320sf updated kit & SELL YOUR HOME! bath, w/d, DW, priv patio. Pets OK. Call Today! Rent your home or apartment. MIDDLETOWN Short term leases available. Starting at Call 845-341-1100, ext. 3600 120 WICKHAM AVE $1519. 845-534-2076 email: realestate@th-record.com Call 845-341-1100 ext. 3600 Unfurnished room $400-$450 3 bdrm apt. $950-$1100. INCLUDES HEAT & HOT WATER. ARC REALTY IS THE OFFICE IN SALES IN ORANGE COUNTY! SENIORS WELCOME Available immediately ARC REALTY SOLD MORE REAL ESTATE THAN ANY OTHER SINGLE OFFICE Rent & security. No pets. IN THE MLS DURING THE LAST 24 YEARS! 845-342-6199

VIEW 1000’S OF LOCAL LISTINGS

2 Bedroom Apts

MIDDLETOWN HARRIMAN ∂3 BDRMS 1 & 2 BR Apts from $1219 $1275/mo. incl. heat. Harriman Woods Spacious apts & 1+ den apts, inc ht, HW, w/w, a/c’s, appls, playgrd & pool. No pets, NYC bus stops at en- ∂1 BDRM $875 trance. Quiet, b’tiful setting, MW No pets. No security schools. 845-234-5672 845-343-0494 or 845-239-2415

Maybrook Spacious, newly renovated 2-3 Bedroom Apartment Perfect condition, w/d, d/w, reserved parking, shed, yard, easy commute. 1 bath, LR and Dining room. 1st Floor, wrap around porch. In quiet neighborNo pets. $1,025/mo. 1 month’s rent, hood. Washer/dryer hook up. Securi2 month’s security req’d. ty, lease and references required. $950/MO. 845-294-6990 or 845-238-4875 Call (845)728-1133.

arcrealty1insales.com

MIDDLETOWN

1st floor,freshly painted, hard- Best Location! Highland Park Mgmt. wood fls, everything included, Starts at $1080 & up - Includes heat, no broker fees, very reasonable hot water, a/c, dishwasher, w/d. price. + sec.

"PRIVATE RESIDENCE" O1 BEDROOM O

VISIT OUR WEBSITE:

www.recordonline.com Apartments

MIDDLETOWN

1 bdrm apt

Includes Heat & Hot Water $875/mo. . 2nd floor. Walk to bus & shops. Great layout, wood floors, EIK, parking, yard. Available now! 1½ mo security. References. No pets. 845-733-5557 MIDDLETOWN 1 BEDROOM + SMALL 6x8 ROOM Between Montgomery & Middletown In County Setting. Plenty of Parking, All Utilities Included, No Pets. $900mo References & Security Available July 1st Call: 845-551-5749 MIDDLETOWN

Call 347-239-0025 MIDDLETOWN

MIDDLETOWN

EVERGREEN MANOR APTS Immediately available Spacious 1 BR

Mins. from shopping & major hwy Call for details: 845-344-0202

MIDDLETOWN FREE WI-FI Immediate Availability 1 BEDROOM $939 - $999 Heat/HW & Cooking Gas Incld Fully equipped kitchen with DW Wall to Wall carpeting Patio / Balcony with unit EZ access to Rt. 17 & 84 845-343-0300 92 Fitzgerald Dr, Middletown

4 BDRM APT

845-343-4807 MIDDLETOWN

AFFORDABLE!!

ûRENTAL SPECIALSû û1 & 2 BEDROOMS û

Heat & Hot Water Incl. Studio, 1 & 2 Bedroom Apts. Pool, on-site laundry, Easy Commute, Close to Shopping.

Country Manor (845) 343-2221

www.aptHP.com

MIDDLETOWN

Heat & Hot Water Incl. Pool, on-site laundry, Easy Commute, Close to Shopping.

www.aptHP.com MIDDLETOWN

Northwoods Apartments OPEN HOUSE SATURDAY

Brand New Construction Luxury Apartment Homes One Bedroom apts from $1,325. / Two Bedroom apts from $1,525. 1-2 month free rent on select apts Individual Controlled Central Air/ Heat Washer / Dryer in each apt Free Private Fitness Center Club Room Playground / Half Basketball Court 888-997-2149 www.northwoodsny.com 300 Northwoods Rd Middletown NY 10940 (Rt 211 to Silver LakeScotchtown Rd)

MIDDLETOWN BLUE MANOR APARTMENTS Lg1BR $875/mo inc ht/hw/cook MIDDLETOWN, NY gas. Studio apt $725 all util inc. 1 & 2 BR APARTMENTS 1 Mo sec, 1 Mo rent. $ 35 appl fee ROCKWOOD GARDENS Apts 80 Sproat St. Middletown, NY "Get them while they last! " Call 845-335-5548 Check our website: rockwoodgardens-apts.com MIDDLETOWN 845-692-2939 Mon - Fri 9-5; Sat 9-3 BOULDER POINTE 2 BDRMS AVAIL. NOW!!! MIDDLETOWN/SCOTCHTOWN

VISIT US TODAY!

Incl. washer & dryer & 2 full size baths. 866-584-0752 boulderpointeapts.com

Some conditions apply MIDDLETOWN

BREWERY APARTMENTS

Studio apartments for $775/month 1 bedroom loft style apartments starting at $876/month Heat/HW included Income Restrictions apply Equal Housing Opportunity Please call today 845-342-2720

1 bdrm apt All utilities included

Very peaceful area Non-smoker. No pets. $740. Call 845-692-4054 MIDDLETOWN

SMALL 2 BR APT 2nd flr $950/mo.

LARGE 2 BR APT

1st flr $1,100/mo. Both include Heat/Hot water, offstreet parking, sec & ref’s, no pets. Call 845-386-4699

MIDDLETOWN Towne Terrace Apts MIDDLETOWN CITY

3 BDRM APT NEWLY RENOVATED

GOOD neighborhood for only $1,025/mo. plus utilities. EIK, hardwood flrs, w/d hook-up. Call 845-554-8645 $950/mo + utilities. No pets. 1½ mo’s sec & ref’s req’d. Sell your home. 845-342-1109 or 845-649-3888

2 BEDROOM APT

Rent your home. Call 845-341-1100 ext. 3600 E-mail realestate@th-record.com

Apartments MINISINK SCHOOLS

Beautiful 3 bdrm house

Large EIK, large den with French doors leading to patio on 2 acres of land. $1275/mo. No pets/smoking. NO FEES. Additional furnished bsmt with full bath, $400/mo. Beautiful country living. 845-294-4223, 845-545-0212 MINISINK - UNIONVILLE

Beautiful Victorian in Quaint Village

Large 3 Bedrooms, 1 Bath, Eat-in Kitchen, Dishwasher, Pantry, On 2nd Floor, Parking lot. NO PETS/SMOKE OUTSIDE $1100mo + Security Call: 845-726-3859 845-820-0836 - NO FEE! MONROE

1 & 2 BEDROOMS Private Area Outside of Monroe Wall to Wall with Appliances Sorry No Pets 1 Bedroom $750 + Utilities 2 Bedroom $1200 + Utilities Call: 845-782-7242 or 845-783-7690 or 845-774-5821

MIDDLETOWN

2 Bdrm Apt

Good condition. updated stove, refrigerator & carpet. Fully painted. Nice area. $1100/mo plus sec. negotiable

Apartments

1&2 Bedroom Apts. Pool! Quiet! Park-Like Atmosphere.

845-343-3189

Selling Your Home? our classifieds help bring readers to your door

Times Herald-Record Classifieds Get Results!

MONROE

1&2 BR Apts From $1149

LAMPLIGHT VILLAGE Rent includes heat, hot water, w/w, appliances, C/A, cooking gas. Playground and pool. No pets. Beautiful landscaped grounds and quiet setting. MW Schools. 845-783-4026

MONROE 1 BEDROOM APT Private home on lake, EIK, liv rm, BA, patio, ac, driveway parking, no smoking, no pets. $1,050/mo, includes all utilities. Available Now. Call 845-783-7598. MONTAGUE, NJ

1 Bed Condos

In Country Club Community. Swim, Fish, Boat, Tennis, Golf & More. $625/mo plus util. Ask About Easy Start Up! 973-402-8648 MONTGOMERY

1 BEDROOM

In County Setting on Second Floor. $750 + Utilities and 1 Month Security PLEASE CALL: 201-784-0621 MONTGOMERY/PINE BUSH

1 BEDROOM APT

LR, DR, Kit, open foor plan, w/d, private entrance w/moutain view, ample driveway parking, Free WiFi/cable, no pets, no smoking. $975/mo. ALL utilitiess included 1 mo’s Sec. Ref’s & credit check. Call 914-850-3154

MONTICELLO ÂÂ BRAND NEWÂÂ ûAPARTMENTSû 2 & 3 Bedrooms available Stainless steel appliances, granite countertops, master bathroom / Call Century 21 845-791-5280 or 845-798-3086

DON’T DELAY

Place Your Ad Today!

343-7000

845

6E


Apartments MONTICELLO Convenience is what you will find at Greenwood Apartments 1 & 2 Bdrm units Free H/HW & Cooking gas 845-794-6660 MONTICELLO Welcome to the best kept secret Colonial Hill Apartments 1 & 2 Bdrm units Free H/HW & Cooking Gas Call now for move in specials

845-794-6660 MONTICELLO

Winwood Condos for Rent

Quiet Comfortable Living LUXURY 1 & 2 Large Bedrooms. Balcony, Laundry facilities 2nd floor. H/HW included. Security system, intercom & elevator. Close to shopping Raceway & Golf courses. No pets. Owner/Management on premises. Call 845-791-8420 or cell 845-807-7193 NEWBURGH 2 BEDROOM APARTMENT On 2nd Floor Parr Valley Condominiums Marlboro Schools Security & 1st Month Rent Required. $950/mo. Leave Message or Text 845-341-3292 NEWBURGH

(845) 863-0319 TTY # 1-800-421-1200 M-F 8am-5pm patricia.field@related.com Check us out! We’ve Changed

FREE HEAT and HOT WATER ∂Rents starting at $595 ∂Security dep as low as $250 ∂Brand new laundry facilities ∂Brand New resident lounge ∂Close to Waterfront, Airport Train, pubilc Transportation and major highways ∂Picturesque river views ∂Controlled access building ∂Enclosed playground ∂Professional on-site management staff ∂24 hr emergency on-site maintenance ∂Studios, 1, 2, 3 and 4 bedroom units

NEWBURGH

Apartments NEW PALTZ

SPACIOUS STUDIO

Within walking distance to college. Includes ALL utilities, except phone. W/D, screened in porch. No pets. $800/month -845-901-2531 (845) 863-0319 TTY # 1-800-421-1200 M-F 8am-5pm patricia.field@related.com Check us out! We’ve changed

FREE HEAT & HOT WATER ∂Rents starting at $595 ∂Security dep as low as $595 ∂Beautiful landscaped, townhome style units ∂Off-street parking ∂Brand new laundry facilities ∂Professional management staff ∂24 hr emergency maintenance ∂Close to Waterfront, Airport Train, Pubilc Transportation and major highways ∂Studios, 1, 2, 3 and 4 bedroom units An Equal Housing Opportunity NEWBURGH, CITY

2 Bedrooms

170 Chambers St Freshly painted, Ceramic Tiles, Large Kitchen, DSS ok. $800/mo + utilities & Security. References Required. Call 845-821-5327 NEWBURGH CITY LANDER STREET CLOSE TO BROADWAY, BEAUTIFUL 3 BED ROOM, PAINTED & CLEAN. $950/ PER MONTH. PARKING AVAIL. SEC 8 OK. SE HABLA ESPANOL. CALL OR TEXT MR. G 845-590-8857 NEWBURGH, CITY OF GRAND STREET

û 2 BEDROOMS APT û

All Util’s Included!!! Hudson River View! Near waterfront & restaurants. New kitchen, marble flooring & balcony. - Call 845-554-9448 NEWBURGH MOVE IN SPECIAL!!! SENIOR HORIZONS AT NEWBURGH 55+ COMMUNITY CALL TODAY 845-566-9290 INCOME RESTRICTIONS APPLY EHO

NEW WINDSOR

1, 2, & 3 BRS, Rt. 94 SPACIOUS

GREEN HOUSE APARTMENTS

1, 2 & 3 Bdrms Avail

3 miles to STEWART Airport Apartment Community on well maintained grounds, with large new decks Beautiful country setting Very private Convenient to all shopping NYS Thruway & Route I 84 & train stations On-site laundry facility On site maintenance Heat & hot water included *********************** Call today for move-in specials!

845-562-4107

www.Greenhouseaptsny.com

Rent your home or apartment.

NEWBURGH, TOWN OF 2 Bedroom Duplex in a very nice area Close to Shopping & Highways No Smoking - No Pets 1 month rent plus security & references req’d. $950 utilities not Included 845-895-9095 - 9am-8pm NEWBURGH, TOWN OF Clean Small 2 Bedroom on a Large. Kitchen Appliances Including Dishwasher. Beautiful Floors in Living room, Dining Room and Hall Area. , Bathroom has new Sink and Tub. Back Deck Overlooks the Yard and Woods. No W/D hookup. $880 + Utilities. Please Call: 845-464-8318 845-564-1824 NEWBURGH, TOWN

ORANGE LAKE

2BD, 1BA EIK, LR, in duplex. Private with nice yard. No pets. $1,200/mo No utilities included. Security required.

Call 845-565-0818 for more information

Apartments PINE BUSH

2 bdrms, 1 bath

Deck, 8 acres, PETS WELCOME $875/mo. plus utilities. Separate entrance. Extra storage if needed. Plenty of parking. 1 year lease. Call 845-527-8996

Apartments

Homes for Rent

WURTSBORO SUMMITVILLE AREA Private rustic quite Lrg 1 bdrm on county setting. Immac. move in cond. ALL Utilities Included. Excel Parking and Storage. 5 Mins to Rt. 17 $800/mo. 845-888-0621 or 845-701-5662

2 HOMES FOR RENT PORT JERVIS 2 Bedroom Home in Best Part Of Port Jervis, Large Yard, Patio, Deck & Garage, Fully Remodeled. Includes Dishwasher, Micro, W/D, $1050 DEER PARK 3 Bedroom Gorgeous Private Home. Just Remodeled with Brand New Everything. Huge Covered Decks, Includes Dishwasher, W/D Hook-ups. Will be Fist Tenants in Remodels. $1100 Please Call: 845-551-4463

WURTSBORO/ SUMMITVILLE PORT JERVIS LARGE QUIET 3 Bedroom Apartment 2 BEDROOM APT. Washer Dryer Hookup, Large Rooms, Beautifully upgraded with new: Kitchen Storage, Near Transportation & Shop- Like NEW, w/large closets + LR, kit, + Baths Carpeting, Pool & play area. full bath, easy commute to Ellenville, ping. $1000 + Utilities No Pets. Heat & hw incl. Middletown + Monticello. Good ref’s, ALL AREAS 845-551-1184 Leave Message lease & sec req’d. Small pets allowed. Realtor Fee only $795 HOMES/DUPLEX 856 - 4400 $900/mo. Include heat/elec. PORT JERVIS 845-791-8808 or 516-984-8852 $800-Blmbrg- NICE 1 BR-Cottage-Yard Large 3 Bdrm Apt. $850-M-Town near College-Cute Ranch Newly Renovated, with private drive- Wurtsboro Village Duplexes $925-Port Jervis- 2BR-House-Frml DR way & yard. $1000/mo. 1 ½ CLEAN 2 bdrm 1 bath Ranch unit $950-TN Nburgh- 3BR-w/d Big Yard month’s sec. Must have references. NEW WINDSOR Full bsmt with laundry hookup. $975-Pt Jrvs- 2 BR Rnch-Yd on Hudson Call 201-965-8851 QUIET AREA. $925/MO. $975-Yankee Lake-2BR-3Br-Lake Rght 1 BEDROOM APT RENTAL SERVICE (NO FEE) $1000-Blmbrg-Cozy3brhs-EZ Commute Very clean 1 br apt. Full kitchen, Living S H A W A N G U N K / H a m l e t $1000-Warwick-2BR-Hse-Deck-Big Yrd 845-858-9979 room. Includes heat/hot Wallkill $1100-M-Town-2BR Duplx-Incl Ht/HW www.rosewoodrentals.com water/cooking gas. Totally Renovated 1 bdrm $1150-MV Schools-3BR-2BA-MH-Deck $750/mo, plus 1 month’s sec. Heat & Hot water incl $1200-Wrtsboro-3BR-1.5 Bath-House No pets. Furnished Apartments $1200-Schola PA- 3BR -1.5BA on 6 ac Call 845-542-3339 Quiet country living. $1200-Mtamoras- 4BR- 2Ba Riverfront MARLBORO $750/mo. Please $1250-TN Wllkill-MT 2 BR-2 BA Condo LARGE 1 BEDROOM NEW WINDSOR *Available soon 2br Montgmery Great Commuter Location - RT 9W $1275-M-Town- 3BR 2 Stry Dplx-Irwin Large 1 BR, 2nd Flr End Unit Continental Manor Complex call Phil: 917-682-4558 Off Street Parking, Garbage Pickup & $1300-Goshen TN-2BR-Tri Plex All Utils $1350-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! Water included. No utilities. Central AC, gas heat, w/d, d/w, $1400-M-Town-3BR House Formal DR References & Security Required fridge, range, balcony off BR, privacy, SMALLWOOD $1450-Blmbrg-3BR-2BA -6 Ac-Incl Elec Call: 236-7566 After 6PM 2 car parking, wood flrs, pool, tennis, 3 BDRMS, 1 BATH $1650-Scotchtwn-3BR Ranchdeck/yrd or in the AM 236-7418 near I84 , I87, Rt 300, 17K, Stewart $2200-New Wndsor-3BR-Bi-Lvl-Yd Pool Airport & train. $975/mo plus utils. RECENTLY RENOVATED $2300-MV Schools-3BR-2BA Duplx No Pets, No smoking. Available Now ! w/w/d hookup. Carpet & wood WALDEN Furnished Rooms 914-456-9848 Go to orangewestrealty.com everything Incl. In floors. Front porch. Oil heat. Nice Orange-West Realty 856-4400 brand new house. Alarm system $175 quiet area. $950/mo plus security & per week + Sec. Everything Included! NEW WINDSOR references. Rent with option to buy. CALLICOON Nice pleasant area w/back yard. 845-524-4165 5 Bedroom on 100 Acres on Delaware NEWBURGH, City of 2 BR Luxury Bldg. $975/mo + sec + River. 50 Miles From Middletown . THOMPSON RIDGE $1200 Per Month elec & heat/hot water. 2 BEDROOM APT. A caring community with 24 hour Nice large 2 br renovated apt, w-w- ALSO: Furnished Rooms $135/per MILFORD AREA 20 Miles From Port Jervis 3 Bedroom emergency maintenance. Largest 1&2 carpeting, top flr, looking for clean & week. ALL Included. Lake House on 3/4 of an Acre with Se Habla Espanol. br with beautiful wood decks & play quiet family long term. Heat/hot waFenced in Yard & Garage. All Major CC accepted area. Heat and h/w included. No pets. ter, garbage included. Off-street park$1200 Per Month 845-857-2940 845.561.1180 Please visit us on the ing, onsite laundry, yard, no pets. 570-937-4055 Owner lives at premises. $1000/mo. web : southgatevillageapts.com Commercial & Industrial 1 mo’s rent + sec. CENTRAL VALLEY Property for Rent Call 845-531-1318

Make Your Home at

SOUTHGATE VILLAGE

NEW WINDSOR

MOVE IN SPECIALS

FOR QUALIFIED APPLICANTS

Starting At $895

Heat & Hot Water Included Spacious 1 BD & 1Bd Dens Air Conditioning, Pool Close to shopping. Close to transportation Call Today for more info.

(877) 871-7323 Mon- Fri 9-5

WALLKILL, HAMLET OF GOSHEN CORP Charming Quiet Garden Apts HAS OFFICE SUITES AVAILABLE EIK, Washer/dryer on site, lease & From 600 to 2,100 SF spaces Close security. Sorry no pets. to Courts, Banks, Post Office & Dining STUDIO AND 1BEDROOM Call 914-443-1113 $750 PER MONTH 201-953-5684 or 845-895-2791 GOSHEN Ideal location for your office or business needs. Office suites catered WARWICK to your needs. Close to all major highways. Call 845-283-3623

Heritage Green Apts. Super Special

1Br, heat & hot water included. Excellent Condition, No Pets. 1 1/2 mo security required. Senior discount offered

845-987-2306

An Equal Housing Opportunity NEWBURGH, TOWN

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

TO PLACE YOUR AD CALL 845-341-1100, option 5 Apartments

GOSHEN

PRIME OFFICE SPACE

Excellent location. Bright Private Offices From 300SF to 1500SF, Rents Reasonable, Ample Parking, Call Owner 516-639-1773 or 516-746-3568

WASHINGTONVILLE

LARGE QUIET APT

NEW WINDSOR

WINDSOR TERRACE

1 BDRM $925-$950 2 BEDROOM $1,170

www.towermgt.com 1 Month Security Heat and Hotwater Included On-Site Parking Laundry Facilities On-Site Close to Shopping & Transportation 336 Old Forge Hill New Windsor New: Saturday Hrs 10am-4pm

845-561-1034 for further information Rent your apartment. Call 845-341-1100 ext. 3600

1300sf. 2 bdrms with large closets. EIK, LR & bath. No pets/smoking. Water/hotwater & garbage pickup included. $1100/mo plus utilities & security. 845-313-2356 WOODRIDGE

Great Place to call home Belle Harbour Apartments 1 & 2 Bdrm units Free Heat & Hot Water

845-794-6660 WURTSBORO

1 BDRM STUDIO APT

IN COUNTRY HOME All appls. All utilites incuding premium cable, $675/mo. No pets/smoking 845-888-5366

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MIDDLETOWN Up to 15,000 SF of Retail Space Available at Campbell Plaza Shopping Center. Great Anchor Tenants. Please Call: 845-425-9130 for more information ORANGE COUNTY 3,000 Sq. Ft. Fully Equipped Ideal Space for Physical Therapy Spa or Exercise Facility 845-283-3623 Washingtonville/Hudson Valley OFFICE SPACE FOR RENT: $12/sf!! Best space in Orange County! Brand new building! Very, very Clean! 200 to 4,000 sf. Excellent technology. Short or long term. Great Lobby! Impressive! No R.E. tax! Abundant parking! Great location!!!Call Amanda 845-987-4159

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Private Cottage In Quiet Community

1 Bedroom, Hardwood Floors And Garage $950 + utilities. Must Have Good Credit and References. NYC Commuter Bus 1 Block Away Call 914-582-6585 CHESTER

3 ROOM STUDIO

WURTSBORO / SUMMITVILLE AREA û Newer Private Home û Country setting, spacious, sunny 3 BR, 1 full bath w/d hook-up, private backyard, shed + basement storage. $1,250/mo. Heat Included. Excellent ref’s, lease + sec req’d. Easy access to Rte 17. NO Pets. 845-791-8808 or 516-984-8852

MONTICELLO Water Front Property 3 Bedrooms with Wrap around Porch facing water. Washer/Dryer, all Kitchen appliances, Car Port. Move in Ready. Great Price! 646-580-0755

NEWBURGH COZY 2 BDRM HOME Completely renovated, new appliances, Rooms lrg fenced-in backyard, hrdwd flrs, new carpet & new paint. $950/mo plus HIGHLAND EFFICIENCIES util. 1st & last months rent plus 1 month’s sec. 1 year lease. No pets. Furnished Motel rooms w/micro, Section 8 will be $1200, util. incl. refrig, HBO & WiFi, all utilities ALSO FOR SALE, $54,900. $135 to $175 Weekly 845-692-0962 or 845-518-3024 $500 to $660 Monthly NEWBURGH with kitchenettes $185 - $200 Quiet West End neighborhood,Single weekly $700 -$760 monthly + UC family 2 bedroom brick house. Hard- Taxes & Security, no pets 845.883.7395 wood floors,W/D hookups, Fenced in June Special Only! yard.. $1150 per month plus utilities. Contact us at 845-565-7220 8a-4pm Sign a 6 month lease anytime-no tax.

at villabaglieri.com

PINE BUSH/ROCK HILL/WALDEN 1BD house/renov/yrd/PB $695 MIDDLETOWN /Furnished 3BD,2B newly renov Rock Hill $1300 FOR MATURE MALE Immaculate, 2BD apt nr conv/Walden $1000 smoke free environment for a non778-2263 Wolfe Realty 800-6482 drinker, drug free male individual. Share kit/bath. $525/mos + $525 PORT JERVIS, Area security up front, if accepted. Cable, 3 Executive Homes Available parking, internet incl Duplex 3 BR, 1½ BR, ($995/mo) https://post.craigslist.org/manage/3 CUDDLEBACKVILLE 752056503, for added info. & pics. 3 BR Lake Front Duplex ($1095/mo) Call 845-342-0259. SPARROWBUSH Country Home, 1 acre, 3 BR MONROE AREA ($1,195/mo) Call 845-856-8513 Carpeted rooms w/priv. bath/, fplcs, ROCK HILL AREA ext. porches, patios, kitchen, W/D, free cable TV. All utils incl $775 & up 2 Bedroom 1 Bath Carpet, W/D Hook-up, Oil Heat, Eat-in on Country Estate. N/S or pets. 845-238-2150 Kitchen, Front Deck & Large Front Yard, Easy off Easy on to Route 17. $850 + Security & References PLATTEKILL 914-805-0130 FULLY FURNISHED RM

LARGE SUNNY....

$495/mo

ROCKHILL/EMERALD GREEN û NEWER 4 Bedrooms û Finished Basement Very nice area! 973-652-1293

$125 wkly. Shared bathroom & kitchen. All utilities incld. TV, laundry & parking also incld. No pets. Males only. Call 845-566-0437

WALLKILL, Town of 3 BEDROOM, 1.5 BA New Renov., Kit, 17’ counter top, BAs, w-w-carpet, hrdwd floors, paint, plumbling, elect., full bsmnt, car port, garage shed, enclosed front porch, rear quiet nghbrhd. patio, ½ ac., $1500/mo plus util, sec, ref. Near Orange Regional Hospital. 845-541-0294.

$800/mo plus util. 1 month security WALLKILL Call 914-755-4253 Valley Central Schools Glen Spey by Port Jervis/Westfall 2 BR, 2 BA, Lrg Ranch Home FOR RENT BY OWNER Remodeled, Washer/dryer hook up, 4BR 2½BA ON 2 ACRES $1250/mo. plus util & sec req. Victorian Home. Custom oak eik, living 845-361-2243 room w/fireplace, din. rm, den, full bsmnt, wrap around porch, air cond, 2 WESTBROOKVILLE car gar on 2 acres. Safe, quiet country 2 BDRM COTTAGE rd. Near Port Jervis & Westfall, PA. CHARMING HISTORIC 1750 Near scenic Delaware River & lakes. Lovely 2 acre setting, perfect 1/2 peo$1690/mo + utils. 845-551-2258. ple. $1,195/mo plus utilities. Call 201-755-4574 HAMPTONBURGH WURTSBORO 21 Hill Rd, Goshen Schls LOVELY 2 BDRM 1 BATH RANCH † 3 BEDROOM † Hdwd flrs. 1/2 acre, 2 car attached RANGE W/OFFICE garage. W/D hookup. Beautiful view. Horse farm across st. 1mo sec, 1mo 1½ BR, great private quiet location, trails/canal park, large front & back rent. Avail. immed. $1400/mo. yard, lots of space, w/d hook-up, Call 845-325-7511 close to major roadways. $1,200/mo + plus utils. Ref’s a must. MARLBORO Call 845-807-7851 3BR Ranch in great area w/beautiful hrdwd flrs, full bsmt & att. garage. 1 yr lease, avail. 8/15. $1400/month WURTSBORO HOUSE FOR RENT Call Marilyn Maines, 3 BEDROOM & 2 BATH Direct 914.805.5151 for more Quiet location on 2 acres lot. Convendetails and showings ient to highway. $1,100/mo + UtilitRE/MAX Benchmark Realty ies. 1st month’s rent + 1½ mo’s sec required. MONROE Call 609-915-1010

2 Small Bedroom Home

Large Deck, No Pets $925 + Utilities and Credit Check Please Call: 845-496-5007

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Wanted to Rent

Blooming Grove GARAGE SPACE WANTED Wanted: Garage space for small sports car Guy Ortmann 646-522-1097

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BUILD THE AD... PAY THE BILL...

SELL THE GOODS... ALL ONLINE!

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8E

Sunday, June 30, 2013 ∂ TIMES HERALD-RECORD

Term

Rate Pts. dn

THE BERKSHIRE BANK

15-yr Fixed 3.500 20-yr fixed 4.125 30-yr Fixed 4.375 15 Year Fixed Jumbo 4.000 30-yr Fixed Jumbo 4.250

0 0 0 1 1

varies varies varies varies varies

TO PLACE YOUR AD CALL 845-341-1100, option 5

www.recordonline.com

Fees APR Comments $545 $545 $545 $570 $570

www.berkbank.com

3.591 4.200 4.431 4.183 4.355

Term

845-294-6151

Rate Pts. dn

Fees APR Comments

This is space available for your company to display its lending rates!

LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066 ROCHESTER HOME EQUITY, INC.

This is space available for your company to display its lending rates! Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

HUDSON HERITAGE FCU 30-yr Fixed 4.500 15-yr. Fixed 3.500 3/1 ARM 3.000 7/1 ARM 3.125 Home Equity Loan 1.990 Home Equity Line 1.990

0.00 0.00 0.00 0.00 — —

— — — — — —

— — — — — —

4.599 3.657 3.081 3.208 1.990 1.990

0 0 0 0 0

5% 5% 5% 5% 5%

$0 $0 $0 $0 $0

4.38 3.50 4.75 3.12 6.10

0

20%

$0

4.75

HUDSON VALLEY FCU

30-yr Fixed Conf. 4.375 15-yr Fixed Conf. 3.500 30-yr Jumbo 4.750 5/1 30-yr 3.500 Construction Loan 6.000 Home Equity Loan (Fixed) 4.750

MID HUDSON VALLEY FEDERAL CREDIT UNION 30-yr. Fixed Conf. 4.625 15-yr Fixed Conf. 3.750 5/1 ARM 3.500 SONYMA Low Interest 3.875 SONYMA Achieving the Dream 3.375

0 0 0 0

5% 5% 5% 3%

Call Call Call Call

0

3%

Call

http://www.mhvfcu.com

NATIONWIDE EQUITIES

Hometown Bank

800-249-3832

*UP TO 95% FINANCING AVAILABLE

845-561-5607 Call Hudson Heritage at 845-561-5607 for more rates and mortgage options. Special rates, contact credit union for details.

http://www.hhfcu.org

Rate Pts. dn 30 Yr Fixed 15 Yr Fixed Fixed Construction 5/1Arm/Conf/Jumbo SONYMA

4.50 3.50 4.50 3.00 3.00

0 0 1 0 0

20%* 20%* 10% 20%* 3%

• FREE preapprovals • Fast and convenient local closings Member FDIC

800-451-8373 EXT. 5002 4.648 3.789 3.276 3.898

Now is a great time to purchase or refinance with rates at historic lows. Contact Denise Quinn at 845-522-3844 email address DQUINN@ MHVFCU.COM or Tim Zwart at 3.396 845-594-9056 or TZWART@ MHVFCU.COM.

ORANGE COUNTY TRUST CO.

5% 5%

4.28 Competitive Closing Costs and 3.43 Approval Within 24 hours.

4.875 4.125

— —

20% 5%

4.91 4.17

COME HOME TO LOW MORTGAGE RATES AND FAST ANSWERS Purchase or refinance.

SUPERIOR MORTGAGE CO., INC. OF 30-year Fixed 3.875 0.00 5% 20 YR Fixed 3.375 0.00 5% 15- year Fixed 3.250 0.00 5% FHA 30YR 3.375 0.00 3.5%

NEW YORK 845-928-2845 — 3.980 NO INCOME LOANS AVAILABLE $0 3.416 $0 3.336 "Best practices $0 3.510 lending" 100% Financing, Lower Fico Score, Better than Goverment Loans, Commercial Properties, your bank SBA, No Income. All With UNBEATABLE Rates and Service. 4.625

0

5%

$0

4.651

20-yr Fixed

4.375

0

5%

$0

4.410

15-yr Fixed

3.750

0

5%

$0

3.794

For more info on our residential loan products call Deanna 341-5036

• Fast and convenient local closings Apply online, or call to schedule your appointment with one of our mortgage consultants, any day of the week!

800-249-3832

www.orangecountytrust.com

This is space available for your company to display its lending rates! Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

**Limited time offer through June 31

SONYMA

4.50 3.50 4.50 3.00

0 0 1 0

dn

20%* 20%* 10% 20%*

Fees

APR

$145 $145 $145 $145

4.521 3.529 7.367 2.930

That's where we come in.

To Advertise on this mortgage page, please contact Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

0 0 0

5% 5% —

Please Call 3.852 Please Call 4.685 Please Call 5.936

845-294-7922

30yr Fixed 15yr Fixed 10/1 ARM 5/1 ARM 3/1 ARM

4.750 3.750 3.875 2.875 2.625

0 0 0 0 0

845-457-7700 20% 20% 15% 15% 15%

$450 $450 $450 $450 $450

www.waldensavingsbank.com

4.783 3.794 3.683 3.202 3.211

Construction, Land and First Time Homebuyers. Rates and fees subject to change without notice. Your rate and term may vary and cannot be determined until you apply and are approved for a loan

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

WALLKILL VALLEY S&L ASSOC.

Member FDIC

It shouldn't be that hard to find a good lender that will treat you with prompt, courteous service. Occasionally, there are a few.

ULSTER SAVINGS BANK

This is space available for your company to display its lending rates!

3.00 0 3% $145 3.498

www.HometownBankHV.com

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

WALDEN SAVINGS BANK

• FREE preapprovals

30 Yr Fixed 15 Yr Fixed Fixed Construction 5/1Arm/Conf/Jumbo

This is space available for your company to display its lending rates!

http://www.ulstersavings.com

• SONYMA mortgages with down payment assistance

*UP TO 95% FINANCING AVAILABLE Rate Pts.

APR quoted assumes 25% down payment with no mortgage insurance requirement. Call us at 845-452-7323 to discuss your options! www.tegfcu.com

*Points include discount and/or origination fees. Interest only programs available. ‘=Fees(Application+Appraisal+ Credit+ Processing) 2nd Home, PRIMARY, 2nd Home, Investment, Land & Construction Loans Available. Primary, Investment, Land & Construction Loans Available

• Fixed and variable rates with choice of terms

845-341-5000 3.63 3.76 4.51

845-452-7323

30-yr Fixed

15-yr Fixed 3.750 30-yr Fixed 4.625 FHA 30-yr Fixed 4.375

• Application fee waived.** (Valued at $145)

Licensed Mortgage Banker, NYS Banking Department

Rates change frequently - call for current quote today! Rates and terms quoted are for qualified applicants only. *e.g. 360 monthly payments of $5.52 per $1,000 borrowed **e.g. 180 monthly payments of $7.91 per $1,000 borrowed

Rochester Home Equity, Inc. NMLS#20517 Licensed Mortgage Banker – NYS Banking Department 180 Office Park Way, Suite 2000 • Pittsford, New York 14534 (585) 263-4353 or (800) 797-6669 *30/**15 yr Rate - 30/15 yr APR

www.tegfcu.com

Lic. Mortgage Banker NYS Dept. of Financial Services NMLS 1408

— — —

• SONYMA mortgages with down payment assistance

0 0

www.hvfcu.org

201-529-1401

20% 20% 20%

4.521 3.529 7.367 2.930 3.498

800-797-6669

4.250 3.375

TEG FEDERAL CREDIT UNION

Tax Free Cash - No Mortgage Payments Call Today for Free Information to See if a Reverse Mortgage Works for You Call Len Oslar (NMLS 65781) at 201-529-1401 M/F 8:30-5:00

0.00 0.00 0.00

$145 $145 $145 $145 $145

• Fixed and variable rates with choice of terms

APR quoted assumes 20% down payment w/ no mortgage insurance requirement. Call us to discuss your options.

EXPERTS, NATIONWIDE EQUITIES, OFFERS REVERSE MORTGAGES TO ALL HOME OWNERS 62 OR OLDER

3.625 3.750 4.500

APR

800-468-3011

REVERSE MORTGAGE

10-yr 15-yr 20-yr

Fees

30-yr Fixed 15-yr Fixed 30-yr Jumbo Non-Conf. 20-yr Fixed

15 Year Fixed Rate 30 Year Fixed Rate 3/1 ARM 5/1 ARM 10/1 ARM

3.750 4.750 3.500 3.750 4.500

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.810 4.821 3.550 3.770 4.575

Commercial & Residential Loans available. For more information contact: Commercial - Barry Sutton 895-2051 ext. 231 Residential - Melissa Flickenschild 895-2051 ext. 226 www.wallkill.com

The Times Herald-Record assumes no liability for typographical errors or omissions. To display information, lenders only should contact Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

RATES ARE SUPPLIED BY LENDERS & ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Sunday, June 30, 2013  

Sunday Real Estate Classifieds section from the Times Herald-Record and HudsonValley.com/homes.