Issuu on Google+

FIND ADS INSIDE: Cars & Vehicles | Notices | Jobs | Stuff | Homes | Rentals | Legals | Business | Services

HudsonValley.com

Today’s focus

CLASSIFIEDS Homes A distressed home stigma?

E1 Times Herald-Record SUNDAY, JUlY 21, 2013

Because your business

MATTERS

When ‘not a short sale’ is beneficial for sellers By MICHAEL ESTRIN

I

bankrate.com

n areas hit hard by the housing bubble, short-sale signs are common.

But if you live in one of those areas and you’re selling a home that is not in distress, it may be to your advantage to specifically state in your listing that it’s not a short sale, according to a recent study that looked at 5,000 home sales in Boca Raton, Fla.

“Our findings speak to that particular local market, but I think you can extrapolate to other areas where we’ve seen a lot of distressed properties and foreclosures in the last few years,” says the study’s co-author, Ken H. Johnson, an associate professor at the Tibor and Sheila Hollo School of Real Estate at Florida International University in Miami. “What we found is that, in those affected areas, there is a short-sale stigma.”

Why the stigma? The idea of a short-sale stigma, says Johnson, is a little counterintuitive. After all, buyers should be on the hunt for deals, so theoretically, a short-sale sign should help drive demand. But in areas with an abundance of distressed properties, Johnson’s numbers show that the opposite is true. Properties listed as “not short sales” sold for 2 percent to 5 percent more than nondistressed properties without the designation, Johnson’s data show. The “not short sale” properties also spent less time on the market, selling about 10 percent to 15 percent faster than similarly situated properties. But what’s driving the stigma? Johnson says he believes the problem stems from

EXPERTLY CRAFTED LUXURY BOUTIQUE RESIDENCES STARTING AT $479,000

That makes sense, according to Chantay Bridges, a senior real estate specialist with Clear Choice Realty & Associates in Los Angeles, a city that was hit hard by the housing bubble. “Short sales have myriad variables, unknowns and maybes, leaving the buyer clueless at any given stage whether they are even still in the running,” says Bridges, who agrees that buyers in areas with high foreclosure rates do stigmatize short-sale properties. In any given short sale, a buyer may be waiting for the seller to resolve a bankruptcy or sort out lender delays. The seller might even be trying to postpone a notice of default.

See NOT A SHORT SALE page E2

perfect blend of modern AAperfect blend of modern amenities for an upscale lifestyle, amenities an upscalefree lifestyle, redefining for maintenance living, redefining free living, rightmaintenance in Orange County

OPEN HOUSE and by appointment

‘Myriad variables, unknowns’

26 HOMESITES FOR ACTIVE ADULTS

(no age restriction)

Sat 12-3 • Sun 12-3

the fact that the glut of short sales and foreclosures has created a logjam over the past few years, making it more difficult for buyers to purchase a short sale than it would have been in a more normal market. “In some areas, buyers are probably starting to believe that short sales mean a big hassle because they’ve heard horror stories about waiting months for one or more banks to sign off on the deal,” Johnson says.

A Masterwork Home Community

in Orange Award right Winning Design County & Construction

97 Route 416, Campbell Hall, NY • Contact George Donohue (347)573-8354 • WWW.BLACKBURNEFARM.COM

REACH NEW CLIENTS: Your message will reach 200,000* readers daily!

Feature your business for as low as $9.60 per week! To advertise in Business, Health, Food or Pet Matters,

Call: (845) 341-1100 EXT. 2180 *Source: 2009 CMB Market Study.

A

Publication

FIND ALL OF TODAY’S NEW ADS ON THE FOLLOWING PAGES


2E

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

Lender won’t recognize borrower’s loan modification BY GARY M. SINGER

ing. What can I do? – Anjie A. The first thing to do is to ask your ex-husband to refinance the mortgage in his name alone. Normally, a married couple will borrow for their home together and have to put both names on the mortgage to qualify. When the marriage turns sour, one spouse will get the house and make the mortgage payments going forward. The divorce, however, is from each other. The loan from the bank is not affected. The other spouse rarely realizes this until he or she gets turned down for a new mortgage because the debt load is too high. Or he or she gets served in a foreclosure lawsuit when the ex-spouse stops making the payments. This sort of problem is best dealt with before the divorce is final. Have the property sold or refinanced into one name while all of the other details of the divorce are being negotiated. Trying to get a former spouse to cooperate several years after the divorce can be an exercise in futility. By shopping around to several lenders, you may find one that will look at the situation and the divorce paperwork and make an exception for the debt on the old house – especially if your ex-husband makes his payments on time.

Sun Sentinel

Q. Nine months ago we received a loan modification, but our bank later sold the loan to another lender. We have continued making timely payments, but the new lender won’t recognize the modification and has been sending us threatening letters. We have called and explained, to no avail. What can we do to fix this? – Sally A. Banks often sell loans to one another, and each sale can be an adventure for the borrower. The most important thing that you can do is send in your payments on time and document all communication that you have with your new lender. You should send the bank a copy of your loan modification paperwork by fax or certified mail – and be willing to send it again and again, if necessary. Call often, getting the names of the representatives you speak with and writing down what they tell you. Always stay calm and polite, no matter how frustrating this experience can be. At the same time, don’t be afraid to be persistent. Also, keep in mind that the problem could be different than what you originally thought. For example, you may think the lender is just ignoring the modification, but instead the issue may be that the bank doesn’t have your insurance information and bought you a new policy, which caused your monthly payments to rise. You should be able to get this resolved on your own. But as long as you document everything, your lawyer will have the tools he needs in case it comes to a lawsuit.

Shutterstock

When your mortgage has been sold to a different lender who doesn’t recognize the modifications to the original loan, the best course of action is to continue making timely payments and document all communication with the new bank. This paper trail will help your lawyer work out a solution to the problem.

Q. I got divorced in 2010 and deeded the house to my exhusband. Little did I know that mortgage would still be haunt-

Not a short sale Continued from page E1 Bridges says she thinks nondistressed sellers in those areas should make it clear to the market that they aren’t doing a short sale, given the current stigma. “Buyers want to know that

they can possess their dream home as soon as possible,” she says. “Many times when people hear the word ‘short sale’ it has become synonymous with ‘long wait time.’”

ing me today. I’m trying to get a loan for a new house, but the lender sees that other mortgage and won’t approve my financ-

Different markets Not all markets are the same. In the Phoenix area, buyers looking below the $250,000 price point may not be able to avoid short sales because the total housing inventory is about half of what it would be in a normal market, says Nicole Hamming, an associate broker with United Brokers Group, in Chandler,

Q. My partner and I are looking to buy our first house together, but Florida doesn’t recognize our marriage. Does the recent Supreme Court decision help us in terms of owning real estate? – Steve A. Not yet. It’s likely to be a while before the high court’s marriage ruling trickles down to real estate law. Typically, when a married couple buys a home, they do so as “Tenants by the Entireties,” Ariz. On the other hand, buyers looking at houses above that $250,000 threshold “will often choose not to look at short sales as they have more options and less competition,” Hamming says. Not all short sales are the same these days, Hamming says. “Who the servicer (lender) is,

which is a legal status of ownership that gives the spouses certain privileges. For example, when one spouse dies, the other automatically owns the property alone without any further action. While same-sex couples aren’t allowed to own property this way in most jurisdictions, including Florida, a similar bundle of rights can be created. I have long advised that unmarried couples buying property together enter into an agreement regarding the management of the house. That pact also should specify what happens to the home if the relationship sours. Same-sex couples should follow this advice as well. They can set up a trust agreement for the ownership of the house, and the details of the agreement can help decide what happens in the event of a split or death of a partner. Certain types of trusts can even provide for protection from creditors, if that’s an issue for you. So while the simplicity of Tenants by the Entireties ownership structure is not yet available to most same-sex couples, proper planning can give them the same legal protections. 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 and who the underlying investor is will dictate the flow and the timeline to bring it from contract to close,” says Hamming. She adds that the scenarios can range from “easy” to “painfully difficult,” adding another caution to the short sale designation. Distributed by Scripps Howard News Service, shns.com


www.recordonline.com

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD

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

Condos & Townhouses for Sale

HIGHLAND MILLS FOR SALE BY OWNER 4 BR, 2.5 BA COLONIAL garage, gas heat, located in downtown On Cul De Sac. Living room, family Milford. Quiet community. Front and room w/fireplace, dining room, kitchrear decks. Unit L, End Unit. Pets. en, enclosed porch, central air, new $1250/month roof, 2 car garage, Monroe Woodbury Call 570-735-4760 Schools. Priced to sell $339,000 for more details Call 845-527-0350 MILFORD,PA

2 BD, 2 1/2 BA

Custom Home Builders

MIDDLETOWN AREA

2012 AWARD WINNER FOR BEST MODULAR HOME IN THE HUDSON VALLEY! Highest Quality Modular Homes UNLIMITED Customization and Options Hudson Valley Home Source 845-294-5663 www.HVHomeSource.com

Homes for Sale

Manufactured Homes for Sale

Homes for Sale

ROCK HILL-Sullivan County WALDEN 5 BDRM, 3 BATH OWNER MUST SELL LAKEFRONT HOME. 4 FAMILY RENTAL Country kit w/granite countertops, jacuzzi, , living & dining room, hard- ASKING ONLY $69,000 wood floors, on 250 acre Lake Louise Marie, full basement, 2 car garage, Building Now Empty, Need Complete large decks, Built 2005. $369,000. Rehab. All Separated Utilities. Call 845-564-2804 845-434-3593 ROSCOE Custom log home, 17acres, lake rights, incredible mtn views, cherry kitchen, baseboard heat, like new, beaverkill fishing, hardwood, 2-car attachedgarage 3,000sq. ft., 3BR, 3+ BA, State land, 1000+sqft bsmt, stoned found & patios, huge decks. $850,000, (845)439-4592

Land BANKRUPT FARM! ORDERED SALE!

COURT

July 27th & 28th!

BURLINGHAM ûNEWLY RENOVATED û 2 BDRM, 2 BATH MOBILE NEW ROOF, TUB QUIET FAMILY PARK Pine Bush Schls $975/mo - $14,000 Buy 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

5 acres - Spring - $16,900 10 acres - Huge View - $29,900 5 acres - Bass Pond - $39,900 24 tracts in all! Waterfall, spring-fed ponds, 30 mile views gorgeous NEW WINDSOR/CORNWALL SCHLS NEW CONSTRUCTION country setting! Clear title, 100% SLATE HILL PINE BUSH SCHOOLS $298,000 guaranteed! AFFORDABLE QUALITY HOMES Just listed, 4BR, 2.5ba,deck,fplc, 2 car Cooperstown Lake District, just off NY garage. Open great room layout, cath. 28 Yrs Exp. Custom Modulars 5 acres with view, great room, sun- Thruway! Call (888) 473-0590 or go Near West Point/Stewart/84. ceil, island kitch w/granite, hdwd In-House Site Work Pkgs Available. room, EIK, cathedral ceilings, 2½ to NewYorkLandandLakes.com floors, 2 acres. Additions too. Free Prop Consults Financing avail. for qualified persons Homestead Builders 845-642-6867 baths, large deck, in-ground pool, Free Info Packet & Design Service Call 845-304-6907 26x30’ pole barn, bsmt room, quiet FALLSBURG 845.856.4310 paradisepark.nwny@yahoo.com road, 1 mile from Minisink Schools. ACRES & LOTS AVAIL MIDDLETOWN $325,000 HOME Ç 3 BR & 2½ BA ON PRIME FLAT LAND 845-978-3962 WASHINGTONVILLE In Minisink School District. EIK, carpetFOR RESIDENTIAL HOUSING ing & skylight, wood floors, upper OUTSIDE OF HAMLET. deck leading to lower pool deck side, SPRING GLEN, NY 845-807-2165 MODULAR EXPERT ONSITE large storage shed, liv rm w/fireplace, 3BD, 2BA 20 x 60 $87,900 2 HOMES Custom Design. walk-in-pantry, family room in lower 2BD, 2BA 14 x 70 $55,900 FOR THE PRICE OF ONE THOMPSON, TOWN OF www.brooksideacres.com Low Cost Land Development. level w/access to backyard. 4 zone 1 BR/1 BA & 3 BR/2 BA, on a 1 ½ THOMPSON RD NEAR heating & water filtration system. 845-496-1121 Make an Offer! Kinnebrook Estates acres. Great income property, rent one JOY LAND RD $260,000 Ç Call 845-355-7919 and live in the other. Both have been 20 Acres Of Vacant Land Adjacent To 351 17b Monticello NY WURTSBORO renovated. On rt. 209 mins to Rte 17 Concord Resort Developments. www.umh.com/ PINE BUSH/ROCK HILL/WALLKILL Asking $99,000. Call 973-402-1466 FOR SALE BY OWNER LARGE 3 BDRM community/kinnebrooke-estates (2) 1BD hses/2a/renv/PB $110000 PLEASE CALL: 201-981-8588 2 BATH HOUSE 3Bd,2b All renov/Rock Hill $149000 Selling Your Home? 845-794-6066 Large kitchen, stainless steel applian2fam 3bd,3b/apt/renv Wllkll $310K our classifieds help bring Sell your home. ces, w/d, large living room w/gas SELL YOUR HOME! 778-2263 Wolfe Realty 219-5674 readers to your door fireplace, central air, all gas, large lot. E-mail Call Today! Times Herald-Record Asking $120,000 Rent your home or apartment Call 845-341-1100, ext. 3600 Call 845-644-4262 email: realestate@th-record.com Call 845-341-1100, ext. 3600 Classifieds Get Results! realestate@th-record.com

û3 BDRM RANCH û

DOUBLE WIDE $78,900 WITH CENTRAL AIR

www.ButlerHomesInc.com

NEW HOMES!

3E

Open House WESTTOWN OPEN HOUSE ˛ Ç $249,000 5 BR & 2 BA, HOME 1.2 scenic acres Sun 7/21 - 1pm - 4pm 1069 Rte 284 Regal Homes & Property Inc. 845-986-5600 www.regalinwarwick.com

Apartments ALL AREAS

Realtor Fee only $595 APARTMENTS 856-4400

$600-Port Jervis-Studio-Incl Heat/HW $650-Huguenot-1BR- W/DHU-Big Yard $650-Ellenville-1BR-Nice Big Yard $695-Walden-1BR-2ndFlr.Incl Ht/HW $700-Prt Jrvs-1BR 3rd Ward-Very Nice $750-M-Town-1BR Great Area- 2nd Flr $750-Port Jervis-WEnd-1st fl-HW-Cute $785-Slate Hill-2 BR-HW Flrs-Nice $800-Ellnvlle-Mint 2BR-W/D- NO FEE! $825-Montgomery-1BR-Priv-Inc All Util $850-Port Jrvs-Near Prk-2BR- W/D HU $850-Milford-2BR-Very Nice-Yd-Pet OK $850-Rock Hill-2BR-Deck-W/D HU $850-Prt Jrvs-2BR Condo-1st Flr-Nr Prk $860-Port Jervis-2BR-Lg Kitchen- Big $875-Wsttown-MV-2BR-2Stry-Inc ele $875-Port Jervis-2BR--Incl HT/HW $875-Port Jervis-2BR-NiceApt -Inc Heat $892-Port Jervis-3BR-WestEnd-NR Park $900-Mtmoras-2BR-2Flr Apt-River Acce $950-SlateHill-MV Schl-2BR-Inc Ht/hw $1050-MV Schls - 2 BR Incl ALL Utils ! $1050-Mtwn-Nr Hosp-Huge 2BR-1st Fl $1100-Newburgh City-2BR-renovated goto orangewestrealty.com Orange-West Realty 856-4400

FHOMES atured

COLDEN PARK

ENJOY the Beautiful landscaping that surrounds this meticulously maintained Ranch (inside & out)tuckedintheprivacyofthisparklikesetting. Features include an updated galley kitchen w/a dinette area open to a bright living room. A 4-season room that makes a great family room overlooking a well manicured lawn. Nice size masterbedroom.Abonusroom(playroom,man cave, gym). Upgrades include windows ,roof, siding & laminate floors w/existing hardwood thru-out. Central air. A large private yard for all your entertaining. Close to all major highways, all transportation and shopping district. Valley CentralSchools.MoveRightin!!! $210,900

SHERRI KERDESKY

Town of Bloomingburg

New construction stone sided contemporary home feats. 3/4 bdrms, 3 full bths, cathedral ceilings, hdwdflrs throughout & cozy gas fireplace. Eat-in kitch offers maple cabinets & your choice of appliances. Walk out basement, 2 car garage w/ stamped concrete walk ways all in desired subdivision in Pine Bush S/D & close to major highways. Now $259,900

Call (845) 856-2700

914 213 0925

www.RealtyPromotions.net

MIDDLETOWN Outskirts $410k

Lake House

New Construction 3,650 sq ft, - 4 BR, 2 ½ BA on 1.7 acres. maple cabinets, granite tops, 9 ft. ceilings, central air, carpet/oak/ceramic floors, walk in closets, Jacuzzi, 2 car garage, stone front with paver walkways.

Call 845-344-5174

Sportsman dream, 3 bedroom, 1 bath lake house in Deerpark. Private dock to enjoy all this paradise has to offer. ML538032

$129,900 TOM PAHUCKI

Village of Montgomery 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. ML541289

$270,000 TOM PAHUCKI

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 served by the Warwick Schools.

$699,999 TOM PAHUCKI

ASSOCIATE BROKER

ASSOCIATE BROKER

ASSOCIATE BROKER

RJ Smith Realty

RJ Smith Realty

RJ Smith Realty

845-741-3643

845-741-3643

845-741-3643

Sell your home. Advertise in the Times Herald-Record

To Advertise on this page Contact Jen Olsen 845-341-1100 ext. 3600 Rates As Low As $59


4E

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD Apartments

BLOOMINGBURG

1 BDRM APT HEAT INCLUDED

$800/mo. 1month security. References. No pets. 845-742-8948

BLOOMINGBURG Nice Cottage- type,1BD apt. Parking, yard $850/month. Cozy Studio with kitchen $625 BOTH INCLUDE ALL UTILITIES!! 1/2 Mile to Route 17 ûû Call 201-934-4940

Apartments

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

BULLVILLE,

GOSHEN 1 Month Free Rent REDUCED RENT 55+ SENIOR COMMUNITY 1 BDRM STARTING AT $795 heat & CHESTER hot water included! On site mainte1 BEDROOM APARTMENT nance & laundry facility. Beautiful & Very Clean 1 Bedroom Apt in Private spacious apts. Call Today! Offering Home, Utilities Included, References & Security Deposit Required. No Smoking 291-1211. EHO or Pets. $895per Month Please Call: 845-590-1688 2 bedroom apt, off street parking, $1000/month + utilities 845-361-4997 for info

CHESTER

3 ROOM STUDIO

$800/mo plus util. 1 month security No Pets, Call 914-755-4253 CHESTER SHARE A HOME Looking for Single Professional to Share County Home. $750 per Month Please Call: 845-469-9485 CORNWALL Park Townhouses

CORNWALL SCHOOLS

3BD starting at $1550/mo 1.5BA 1320sf updated kit & bath, w/d, DW, priv patio. Pets OK. Short term leases avail. 845-534-2076 ELLENVILLE BEST AFFORDABLE PRICES 1, 2 & 3 BEDROOMS Free heat/hot water Beautiful mountain / Golf course views - 845-532-6290

Ellenville

SUMMER SIZZLER - Up To 2 Free Months Rent on selected 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 8/15. Close to Rt 17 and Rt 52. Easy commute to Middletown and Monticello. $825 plus utilities. No pets. (718) 358-7200. FLORIDA, Vicinity

LARGE 1 BEDROOM

In residential area. Utilities included Call 845-774-9940

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

Times Herald-Record Classifieds Get Results!

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

HARRIMAN 1 & 2 BR Apts from $1219 Harriman Woods Spacious apts & 1+ den apts, inc ht, HW, w/w, a/c’s, appls, playgrd & pool. No pets, NYC bus stops at entrance. Quiet, b’tiful setting, MW schools. 845-234-5672

Harriman

2 bedroom, 1 1/2 baths, new hardwood floors through out, clean, terrace, tennis courts & swimming pool, $1425/mo 845-325-0149 HARRIMAN

2 BEDROOM APT

In 3 family Victorian home on 2 acres, offstreet parking. Walking distance to bus, easy access to trains, schools, shopping and all major highways. $1250/mo with 2 months security. Pets ok. Avail 7/15, Call 914-804-2967 HURLEYVILLE, NY

ûGreat Pines Apts û

Apartments MIDDLETOWN

1 BEDROOM APT

Living room, EIK, off-street parking, no pets. $825/mo plus utilities. 1½ mo’s sec. Avail. Immediately. Excellent Condition! Call 845-313-3109 MIDDLETOWN 1 BEDROOM + SMALL 6x8 ROOM Between Montgomery & Middletown In County Setting. Plenty of Parking, All Utilities Included, No Pets. $875 mo References & Security Available Immediately Call: 845-551-5749 MIDDLETOWN 2 & 3 Bedrm for $950 to $1195 PORT JERVIS 2Bdr Gas & Elec Inc $1000 1Bdr Vaulted Ceil $795 MONTICELLO & LIBERTY Hugh 2 Bdr $700 2Bdr Heat & H/W Inc $675 1 & 2Bdrs all incld $625 3Bdr Heat H/W incld $650 Call or Text Frank 845-290-2525

Applications for waiting list now being MIDDLETOWN - 24.5 Smith Street accepted for 2 BR Apts. Requirements 3 BEDROOM GOSHEN $1,050 month 2BD modern duplex, 1.5BA, open floor are those eligible households w/at least 2 occupants and very low to low 2 BEDROOM plan, LR, DR, dining deck, gar, full income. Our apts incl: w/w carpet, $950 month bsmt, C/A, full appli, credit check req. stove, refrig, laundry facility & playNewly renovated 2 Family house, Avail 8/1. $1400/mo ground on premises. All interested close to shopping & transportation. Trottown Realty 845-294-9774 parties call First Come First Serve! GREAT PINES APT 845-800-1524 (owner) GOSHEN 845-436-0187. TDD Relay 711 or 845-239-8035 (managing agent) Equal Housing Opporltunity GLORIOUS SUMMER AT MIDDLETOWN 2 BDRM/2 BA 1st floor Private, dishwasher, fridge, range. Lots of space, eat in kitchen, Dish A/C, deck. Juniper Fields Apt. ComWasher, pool, extra storage. Liberty Magnificent country setting next to APT FOR RENT IN LIBERTY 1 1 Heat / plex - Concord Lane @ High Barney beautiful Salesian Park and historic Hot Water Hardwood Studio/1/2/3 Rd. 2 prkg spaces. Mins to I84, train, bus & mall. $1000/mo & utils. 1 Goshen Village. 1 & 2 Bedroom, apts for rent. Ref. and Sec. No 845- month’s sec. No pets/no smoking. BRIARWOOD HOUSE APTS 292-9595 845-807-7003 845-391-3747.

BRIARWOOD APTS

18 Craigville Rd 914-450-4496

www.briarwoodhouseapt.com GOSHEN/Goshen Schools

Carriage Hill Apartments Welcome Home! First Month Rent Free

Beautifully Updated Kitchens and Baths. Spacious 1 & 2 Bedroom Apts. Move in Today! Includes Ht & HW, Pool and Laundry On Site. Large Floor plans, Extra Storage Available. Great Commuter Location. Close to Rt 17/84/87 Pet Friendly. Short Term Leases Available Call 845-294-9524 www.bottiniproperties.com Goshen ONE BDRM, SUNNY, SEP ENTRANCE Cute one bath, big yard, great parking, utilities included, one month security, $ 950 845-291-0440

LIBERTY, NY

Valley View Gardens

Wall to Wall Carpet, New Appls, Heat & Hot Water Incl.

MIDDLETOWN

2 BR & 2 BA APT.

Quiet 2 Family house, EIK, Off Street Parking, perfect for share, Near SUNY Orange & Trans $1050/mo. Ref & Security. SEC 8 OK Please Call: 914-850-7463 MIDDLETOWN

2ND FLR 1BR APT

MARLBORO

1 ROOM STUDIO APT

Includes utilities

103 Linden Ave, $725/mo + gas & electric.1 prkg space available. Call Mr Williams: 718-755-9859

$195/wk. or $700/mo plus sec. MIDDLETOWN Full kit & bath. Priv entrance, country ∂3 BDRMS setting. Ground flr accommodations. $1275/mo. 845-236-7422 MARLBORO LARGE 2 BEDROOM

FREE FIRST MONTHS RENT Great Commuter Location - RT 9W Off Street Parking, Garbage Pickup & Water included. No utilities. $800mo References & Security Required Call: 236-7566 After 6PM or in the AM 236-7418

GOSHEN VILLAGEWICKHAM AVENUE 1 BEDROOM apartment on 1st floor of 2 family house, nice, clean, EIK, living MARLBORO SPACIOUS GROUND FLOOR room, natural gas heat, yard, parking, 1 BDRM STUDIO APT storage, no pets, security,available BRIGHT & CHEERY now, $1,000/mo + utilities Country setting. 800 sq. ft. Separate please call 845-294-0641 kitchen area with washer/dryer. Inor 914-443-7650 cludes oil heat & electric. No dogs. $895/mo plus 1 month security. Hamptonburgh Small, completely renovated, one BR, 845-795-5778 full kit, tiled floors, off street parking in private residence. Clean, quiet and MIDDLETOWN 120 WICKHAM AVE good location close to train and major Unfurnished room $400-$450 highways. All utilities included except 3 bdrm apt. $950-$1100. cooking LP, NO smoking or pets. 1.5 INCLUDES HEAT & HOT WATER. mos security. Avail 8/1/13 950.00 SENIORS WELCOME Month. CALL 845-496-4695 Available immediately Rent & security. No pets. HARRIMAN 845-342-6199 1 & 2 bdrm apts from $1219 Brookside Gardens Rent incl. heat, hot water, w/w, our classifieds help bring a/c’s, appliances. playground & pool, readers to your door no pets, NYC commuter bus stops at entrance. Quiet, beautiful grounds. MW Schools. Woodbury recreation Classifieds Get Results! 845-782-6124

Selling Your Home?

Times Herald-Record

∂2 BDRMS $975

∂1 BDRM $875 No pets. No security

845-343-0494 or 845-239-2415

Apartments

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

BOULDER POINTE

2 BDRMS AVAIL. NOW!!!

VISIT US TODAY!

Incl. washer & dryer. 2 WEEKS FREE. 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

3 BEDROOM

Bath, eik, wall-up-attic, w/d hookup, off-street parking, no smoking/pets. $1,150/mo, plus all utilities & sec. Subject to application process... Call 845-386-4562

e-mail

your ad copy to

classads@ th-record.com We’ll Take Care Of The Rest!

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, NY 1 & 2 BR APARTMENTS ROCKWOOD GARDENS Apts "Get them while they last! " Check our website: rockwoodgardens-apts.com 845-692-2939 Mon - Fri 9-5; Sat 9-3 MIDDLETOWN, NY

Silver Lake Gardens Studio 1-2-3 BR

Unbeatable value, service & loc.

Apartments Monroe 2br 2 ba condo, hardwood flrs, carpeting, 2nd story, balcony, pool, 2 a/c’s, heat included. Washingtonville schools. No pets. Avalible 8/15 $1250 845-778-4450 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 Country Setting on Second Floor. $750 + Utilities and 1 Month Security PLEASE CALL: 201-784-0621; 201-887-6849

MONTICELLO ÂÂ BRAND NEWÂÂ ûAPARTMENTSû 2 & 3 Bedrooms available Stainless steel appliances, granite countertops, master bathroom No Brokerage Fee / Call Century 21 845-791-5280 or 845-798-3086

MONTICELLO Convenience is what you will find at Greenwood Apartments Middletown 1 & 2 Bdrm units ONE BEDROOM Full Kitchen Private enFree H/HW & Cooking gas trance on quiet st by college. $800 MIDDLETOWN CITY 845-794-6660 per month gas & electric not included. 3 BR & 2 BA, APARTMENT No pets. 1.5 month security and backNewly renovated, Good nghbrhd for ground check required. Se Espanol. MONTICELLO only $975/mo. plus utils Call 845-343-7522 for appointment. 5 BR & 2 BA, HOUSE Pictures online. (Prospect Ave.) Spaceious 1, 2, 3 bedroom apts, $1195/mo plus utils. heat & hot water incl. MIDDLETOWN - OUTSKIRTS Call 845-554-8645

Apartments 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 An Equal Housing Opportunity

NEWBURGH

Jefferson Gardens

3200 SF 4BD, 2.5BA

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

Excellent Condition. Ceramic tiles, hardwood flrs, $2200/mo + utils, MONTICELLO first & last month and security. Welcome to the best kept secret Colonial Hill Apartments 845-343-4662 1 & 2 Bdrm units Free H/HW & Cooking Gas MIDDLETOWN/SCOTCHTOWN Call now for move in specials

1 bdrm apt

All utilities included

Very peaceful area Non-smoker. No pets. $760. Call 845-692-4054 MIDDLETOWN/Scotchtown Cambridge Manor Super Special Lg, Beautiful 1 BR, 2 Lg Walk In Closets, Private entry, newly renov with new kit, Exc cond Heat/HW, incl. Call 845-590-4141, 692-2121 MIDDLETOWN

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 MIDDLETOWN

www.recordonline.com Apartments

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

LARGE 2 BR APT

MIDDLETOWN

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

www.aptHP.com

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

Beautiful 3 bdrm house

Large EIK, large den w/French doors leading to patio on 2 ac of land. $1275/mo. No pets/smoking. NO FEES. Additional furnished bsmt w/full bath, $400/mo. Middletown lg. 2 Br, $975/mo. 845-294-4223, 845-545-0212

Middletown, New York Spacious,newly remodeled apartment MONROE in the quite condo complex with pool. Apartment has 2bedrooms,2 baths,full 1&2 BR Apts From $1149 LAMPLIGHT VILLAGE kitchen,ceramic tile floors,washer and drier. $1200 per month. Call 646- Rent includes heat, hot water, w/w, appliances, C/A, cooking gas. Play831-7307 ground and pool. No pets. Beautiful landscaped grounds and quiet setting. MW Schools. 845-783-4026

Rent your home or apartment.

Call 845-341-1100 ext. 3600

Rent your home. Call 845-341-1100 ext. 3600

845-794-6660

(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

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

If you need to advertise...

nothing works like

∂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

Times Herald-Record

NEWBURGH CITY

343-7000 Ask for an Ad-Visor

New bath/kitchen. $950/mo. plus renter pays own utilities.

Classified Ads

NEWLY REFURBISHED

3 bdrm apt

845-548-9421 Sell your home.

E-mail realestate@th-record.com

Retail/Mixed-Use Property KINGSTON, NY | 572 Broadway

AP13056-1 | 11,046± sf Bldg | Retail Unit & Apts | 0.09± Acre

Auction: August 7 | 12pm | On-Site

Retail/Ind/Whse Property

POUGHKEEPSIE, NY | 125-135 N. Hamilton Street

AP13056-2 | 2 Bldgs | 22,320± sf | Loading Dock | 1.2± Acres

Auction: August 7 | 10am | On-Site

Tranzon Auction Properties | Michael Foster, Broker NY #49F00966562 Sales Subject to Terms & Conditions | Brokers Welcome

TRANZON.COM

866-503-1212


www.recordonline.com

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

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD

5E

HudsonValley.com HOMES

Recent sales

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.

BETHEL $390,000; Route 55, 3 BR/2.1 BA contemporary, 3000 sf, 3.06 ac, blt 1989, LA: McKean Real Estate Inc., White Lake/ SA: The Sunshine Group, Monticello

GOSHEN $360,000; Maple Avenue, 4 BR/2.1 BA colonial, 2441 sf, 3.67 ac, blt 2012, LA: RE/MAX Benchmark Realty Group, Middletown/SA: RE/MAX Benchmark Realty Group, Central Valley

HURLEYVILLE $135,000; Brophy Road, 4 BR/2.1 BA colonial, 2496 sf, blt 2004, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Non-MLS Broker, Further info n/a

MIDDLETOWN $237,000; Greenville Turnpike, 4 BR/2.1 BA colonial, 2272 sf, 5.5 ac, blt 2003, LA: John J. Lease Realtors, Middletown/SA: John J. Lease Realtors, Middletown

MONTGOMERY $312,500; Chestnut Lane, 4 BR/2.1 BA colonial, 2676 sf, 3 ac, blt 2003, LA: ERA Curasi Realty, Montgomery/SA: NonMLS Broker, Further info n/a

NEWBURGH $245,000; Quaker Street, 5 BR/3 BA bi-level/high ranch, 2515 sf, 1.5 ac, LA: ERA Curasi Realty, Montgomery/SA: Rita Levine Real Estate, Wallkill

CAMPBELL HALL $320,000; Egbertson Road, 4 BR/2.1 BA colonial, 2320 sf, blt 2002, LA: Griffith Realtors, Goshen/SA: Your Move Matters LLC, Newburgh

GREENWOOD LAKE $229,900; Fourth Road, 3 BR/2.1 BA two-story, blt 1933, LA: Weichert, Realtors, Monroe/ SA: Better Homes and Gardens Rand Realty, Warwick

KERHONKSON $64,000; Route 209, 3 BR/1 BA Cape Cod, 1680 sf, 1.6 ac, blt 1927, LA: Lad Realty, Circleville/ SA: Westwood Metes & Bounds Realty, Woodstock

MIDDLETOWN $273,500; Kelly Street, 5 BR/3 BA bi-level/high ranch, 2392 sf, blt 1987, LA: Griffith Realtors, Goshen/SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

MONTICELLO $78,000; Hammond Street, 3 BR/1 BA twostory, 1465 sf, .16 ac, blt 1921, LA: Hudson Valley Realty, Rock Hill/SA: Prudential Peters Realty, Monticello

NEWBURGH $265,000; Ramona Road, 4 BR/2.1 BA colonial, 2301 sf, blt 2001, LA: Keller Williams Realty, Highland Mills/SA: Better Homes and Gardens Rand Realty, New Windsor

FALLSBURG $26,500; Old Falls Road, 4 BR/2 BA cottage, 1140 sf, 4.01 ac, blt 1940, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Keller Williams Hudson Valley Realty, Rock Hill

HIGHLAND MILLS $335,000; Bakertown Road, 6 BR/3.1 BA colonial, 2808 sf, blt 1920, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: RE/ MAX Benchmark Realty Group, Central Valley

MIDDLETOWN $121,000; Cedar Court, 3 BR/1.1 BA town house, 1765 sf, blt 1990, LA: Keller Williams Realty, Highland Mills/SA: RE/ MAX Benchmark Realty Group, New Windsor

MIDDLETOWN $70,000; Shelley Court, 3 BR/1.1 BA town house, 1428 sf, blt 1972, LA: John J. Lease Realtors, Middletown/SA: John J. Lease Realtors, Middletown

MOUNT HOPE $37,779; Route 211, 4 BR/1 BA two-story, 1680 sf, 3.6 ac, blt 1952, LA: ARC Realty #1 in Sales, Monroe/SA: Century 21 Maxum Realty, Monroe

NEWBURGH $277,720; South Dix Avenue, 4 BR/2.1 BA colonial, 2352 sf, blt 2010, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Better Homes and Gardens Rand Realty, New Windsor

ATTENTION REALTORS: FERNDALE $115,500; State Route 55, 3 BR/1.1 BA Cape Cod, 1772 sf, 1.5 ac, blt 1950, LA: Prudential Peters Realty, Monticello/ SA: Prudential Peters Realty, Monticello

HIGHLAND MILLS $524,900; Caledonia Circle, 4 BR/2.1 BA colonial, 3300 sf, blt 2003, LA: Keller Williams Realty, Highland Mills/ SA: Better Homes and Gardens Rand Realty, Warwick

MIDDLETOWN $115,000; Deer Court, 3 BR/2 BA condo, 1508 sf, blt 2002, LA: ARC Realty #1 in Sales, Monroe/SA: John J. Lease Realtors, Middletown

MONTGOMERY $161,500; Bailey Road, 3 BR/1 BA ranch, 1248 sf, blt 1967, LA: Rita Levine Real Estate, Wallkill/ SA: Century21 E&M Williams Realty, Walden/ Montgomery

NEWBURGH $250,000; Wisner Avenue, multifamily, 6600 sf, blt 1987, LA: John J. Lease Realtors, Newburgh/SA: ARC #1 in Sales, Monroe

See Page 12D of today’s Classified Section for more Recent Sales & Local Loan Rates

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


New Hampton, NY Mininsink School Diningroom, & Kitchen û 2 BEDROOMS APT û Livingroom, 3 Bedrooms, 2 baths. Woodburning All Util’s Included!!! Stove. $1300/mo. Tentant pays Oil Hudson River View! Near waterfront & & Electric. 1 Month Security, 1 Month restaurants. New kitchen, marble Rent. No Pets. Call 201-573-0990 or flooring & balcony. 201-666-0055 - Call 845-554-9448 NEW WINDSOR NEWBURGH/MIDDLETOWN Barclay Manor-Newburgh (Two) 1Bdrm- prices starting at $800 - $950 Northwood Village- Newburgh Beautifully upgraded with new: Kitchen 1 Bdrm 1 Bth Condo $1200 Baths Carpeting, Pool & play area. LR, DR, Updated Kitchen Heat & hw incl. 1 Month Free Rent Ferry Crossing- Newburgh 2Bd, 2BA, newly renovated. Views of the Hudson River $1400 + utils Highland Village- Newburgh Spacious 2 Bdrm, 2 Bth Condo with finished basement NEW WINDSOR 1800 sq. ft. $1560 Plus Utilities Buttonwood- Middletown 2 Bdrm, 2 Bth, LR, DR, Laundry in Condo $1200 ½ Month Free Rent A caring community with 24 hour Call Sean 845-642-3284 emergency maintenance. Largest 1&2 (845) 564-2831 ext. 108 br with beautiful wood decks & play area. Heat and h/w included. No pets. Newburgh, Town 845.561.1180 Please visit us on the 1 Bedroom, Quiet location convenient web : southgatevillageapts.com to Rt. 9W 650 Month + utilities 845795-2257 NEWBURGH, CITY OF GRAND STREET

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

Make Your Home at

SOUTHGATE VILLAGE

NEWBURGH, TOWN

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 On-site laundry facility On site maintenance Heat & hot water included ***********************

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

Call today for move-in specials!

NEWBURGH, TOWN OF

1 BEDROOM APT...

$700 Month Including Heat. 1 month Rent + Sec Required. No Pets... Call 845-565-8355 NEWBURGH, Town of O 1 BEDROOM O Large rooms, A/C, freshly painted, new appliances & w-w-carpeting, separate entrance, large deck, w/d on premises, heat/hot water included, centrally located, non-smoker, no pets. Available Immediately $1,100/mo + 1 month’s sec. Call for appt. 845-564-3681 NEWBURGH TOWN OF 2 bdrms, open concept fl plan

HEAT & HOT WATER INCL.

in country setting, new wood flrs & carpet, new energy star appls, private patio, no pets/smoking. $1250 plus security. 845-566-7808

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 PINE BUSH

† DUPLEX †

4 BR & 2 BA Liv rm, computer room, kit, large pantry, dining area, offstreet parking, caNEWBURGH, TOWN ble ready, lovely grounds. 1st month’s rent plus sec. $1,400/mo plus utils. & garbage pickup. Avail 8/1. No pets. 2BD, 1BA EIK, LR, in duplex. Private Call 845-313-4539 with nice yard. No pets. $1,200/mo No utilities included. Security required. PINE BUSH Spacious 1 Bedroom in 2 family Country Estate. Very Private Nature Paradise With Scenic Views. $1100mo Utilities Included Security and Ref Required Please Call: 845-361-1388 Sell your home.

ORANGE LAKE

Call 845-565-0818 for more information

Advertise in the Times Herald-Record.

PORT JERVIS

2 BEDROOM DUPLEX

Beautiful Apartment All updated, w/w carpet, freshly painted. Private driveway, back deck & yard. $900/mo plus utils. Call 917-709-4612 PORT JERVIS

3 BEDROOM APARTMENT

Sell your home.

Advertise in the Times Herald-Record

Apartments WOODRIDGE

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

845-794-6660 WURTSBORO ( MASTON LAKE)

1 BR

Sunny living rm and dining rm. W/D 4 rooms with a fire place, all utilities hook-up, garage, near transportation, are included except cable. Maston park, and shopping. $1000/mo Lake Frontage. $1,000/per month , 1 Leave message 845-551-1184 month security + references. No Dogs. Please Call 888-2272 PORT JERVIS Must ask for Frank D !

Large 3 Bdrm Apt.

Newly Renovated, with private driveway & yard. $1000/mo. 1 ½ month’s sec. Must have references. Call 201-965-8851 PORT JERVIS NICE 1ST FLOOR 2 BEDROOM APT In Duplex Home $825 month Sec & ref’s required. Call 845-856-0525 PORT JERVIS Summer Specials for Qualified Tenants. Very Nice 1 Bedroom Apartments in Quit Setting, Laundry on Site, Mins From Hospital and RT 84, RENT + UTILITIES Call 845-778-4036 RedWood Apartments Van Burenville Road 2 Studio Apartments available $750 all included I month security 1 month rent Call 845-656-2399 ROCK HILL

3 Bedroom $1150 Includes all Utilities

Washer/dryer hook-up. New paint. Section 8 ok. Security & References. LOCATED IN TOWN. 845-794-0700

1 BEDROOM APARTMENT $850 Per Month Utilities Included

2BR/2.5BA Avail starting at $1250

845-562-4107

Apartments

WALDEN

Milton Townhouses

www.Greenhouseaptsny.com

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

Apartments

1 and half Month Security Required No Pets - Off Street Parking Please Call: 778-1783

WALDEN BEAUTIFUL 1BR APT Heat, H/W & Garbage Incld W/large 2 room finished attic. Off st parking, A/C. 1½ mo sec plus ref’s req’d. $1,000 per month. Call 845-778-2633 lv msg WALDEN, Village of Large 2 Bdrm Apt. Overlooking Wallkill River UTILITIES INCLUDED air, pets extra. $1,250/mo.,1 month security.

Available Immediately. Call 845-222-0676

WALLKILL, HAMLET OF Charming Quiet Garden Apts EIK, Washer/dryer on site, lease & security. Sorry no pets. STUDIO AND 1BEDROOM $750 PER MONTH 201-953-5684 or 845-895-2791

WARWICK

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 Selling Your Home?

WURTSBORO / SUMMITVILLE

LARGE QUIET 2 BEDROOM APT.

Like NEW, w/large closets + LR, kit, + full bath, easy commute to Ellenville, Middletown + Monticello. Good ref’s, lease & sec req’d. Small pets allowed. $900/mo. Include heat/elec. 845-791-8808 or 516-984-8852

Homes for Rent

NEW WINDSOR Beautiful Well Maintained 1BR Condo In Continental Manor. Available September 1st. This unit has C/A, W/D, Water new carpets, pool, balcony, tennis courts. $925/mo. + Security Close to Stewart Airport, shopping & restaurants. IF INTERESTED CALL Mike Holland 772-538-0113

HIGHLAND MILLS TIMBER RIDGE COMMUNITY (New Development) 2 Bedroom Townhouse (could be 3) 2 Bath, 2 Car Garage, New Appliances, Brand New W/D, Monroe Woodbury Schools & Recreation Area. No Mowing & No Snow Removal $1800mo + Utilities 1 Month Rent, Ref’s and Sec Required Contact : 845-325-7511

WASHINGTONVILLE BROOKSHIRE CONDO 2 Bedrooms, 2Baths on 2nd floor. Avail 9/1. $1,450/mo plus utilities. Pets ok. Call or text 917-279-4372 WASHINGTONVILLE WEATHERVANE

1 BDRM CONDO

1 BDRM APT 1st month rent $400

LIVINGSTON MANOR Small 3 Bedroom Avail Aug 1st, New Kitchen, 1 Bath, W/D Hookup, detached garage. Patio in back, Ref Required $800 + Security Please Call: 914-523-9466 MARLBORO

2 BEDROOM Country Cottage

2nd floor, hardwood floors, new appls, basement, new deck, washer/dryer. Pool/tennis. $1000/mo plus Private setting, Private fenced yard, utilities, security, references. nice view. All updates. Washer/Dryer. AVAILABLE IMMEDIATELY. 41200.month Security and refrences. 845-496-7302

845-236-4900

Homes for Rent

Furnished Apartments Goshen/Washingtonville

www.recordonline.com

Condos & Townhouses for Rent

ALL AREAS Realtor Fee only $795

MONTGOMERY

2 BEDROOM DUPLEX

Greenwood Lake WESTBROOKVILLE HOUSE FOR RENT COZY! 3 Bdrm., 1 CHARMING HISTORIC Bath, full Kitch., Fire Place, Large Yard COTTAGE & Deck, in cul-du-sac, WATER included. 2 BR & 2 BA Inquire about pets, $1075/mo + se- 2 acres Bucolic setting w/stream, percurity CALL: 845-216-9051 fect for 1/2, d/w & w/d. $1,185 month HIGHLAND FALLS, Village of Call 201-755-4574 3 BEDROOM MIDDLETOWN & 1.5 BATH WOODBOURNE NEWLY RENOVATED HOUSE 2 BDRM HOME w-w-carpet, hardwood floors, paint, plumbling, electric, full basement, front Private setting, fenced yard, all upporch, rear porch, nice size yard, quiet dates, w/d hook-up, fireplace nghbrhd. $1500/mo plus util, sec, w/insert, TVSD, no smoking, no pets, personal & employment ref’s. ref’s. Near West Point entrance. $950/mo + sec + utils. Call 845-541-0294 Pole Barn 40’ x 75’, tractor trailer Call 845-434-0441 accesable, door opening 14’ high & 15’ wide. Surveillance camera our classifieds help bring $1800/month. Close to Rt 17. our classifieds help bring readers to your door 845-342-5017 readers to your door MIDDLETOWN Available Space for Office & Retail At Campbell Plaza, Dolson Ave. Any Size Up To 15K SF. Great Anchors. Please Call: 845-425-9130 for more information

Selling Your Home? Selling Your Home?

Times Herald-Record Times Herald-Record Sell your home. Classifieds Get Results! Classifieds Get Results! Advertise in the Times Herald-Record Classifieds Get Results! Times Herald-Record. our classifieds help bring readers to your door

343.7000

343.7000

Rooms

Homes for Rent WURTSBORO

† 3 BEDROOM † RANCH W/OFFICE

HIGHLAND EFFICIENCIES

at villabaglieri.com

Furnished Motel rooms w/micro, 1½ BR, great private quiet location, refrig, HBO & WiFi, all utilities trails/canal park, large front & back $135 to $175 Weekly yard, lots of space, w/d hook-up, $500 to $660 Monthly close to major roadways. $1,200/mo with kitchenettes $185 - $200 + plus utils. Ref’s a must. weekly $700 -$760 monthly + UC Call 845-807-7851 Taxes & Security, no pets 845.883.7395 June Special Only! Wurtsboro Village Duplexes CLEAN RANCH STYLE Sign a 6 month lease anytime-no tax. 1 & 2 BDRM UNITS with laundry hookup. QUIET . FROM $775/MO. NO FEE MONROE AREA MUST SEE!!! 845-653-1255 or 845-858-9979 Carpeted rooms w/priv. bath/, fplcs, www.rosewoodrentals.com ext. porches, patios, kitchen, W/D, free cable TV. All utils incl $775 & up Mobile Homes for Rent on Country Estate. N/S or pets. 845-238-2150 CIRCLEVILLE Beautiful home/trailer located on nice piece of prop. New kitchen, carpeting though out, 2 BR. $990/mo + gas & elec. Excellent refs req. Call 590-4141 or 692-2121

LARGE SUNNY....

Selling Your Home?

MONROE, Mt. Lodge

2 Small Bedroom Home

1½ BAs, recreation room, xlarge laun- Large Deck, private yard, dog maybe. dry & storage, garage, large yard. Val- $875/mo plus 2 months security. HOMES/DUPLEX 856 - 4400 Washer/dryer avail. New carpet. Heat $750-MV Schools-2 BR Home-Private ley Central School. Quiet area. Plus utilities & credit check $1,200/mo + sec & utils. $925-Port Jervis- 2 BR-Hse- Form DR Please Call: 845-496-5007 & electric included. References reAvail. August 1st $975-Yankee Lake-2BR-3Br-Lake rghts quired. No pets. $735/mo. plus Call 845-457-3232 $995-Pond Eddy-2BR - Duplex w/ Dks security Sell your home. $975-Warwick-2BR-House-Deck-Yard Please Call 845-497-7665 $1100-MV Schls-3BR-2ndFl Hge Duplx MOUNT HOPE/HOWELLS E-mail $1100-Schola PA-3BR-1.5Ba-on 6 ac Beautiful 3BR home. New kitchen Commercial & Industrial realestate@th-record.com $1195-Wstbrkvle-2 BR-w/Fam Rm. and applis. Located on a quiet piece Property for Rent $1200-Huguenot-3BR Ranch on ¼ Ac of property. $1500/mo+ utils CORNWALL $1200-Wrtsboro-3BR-1.5Ba-nr PK (approx $300/mo) Excellent refs $1200-Godefroy-3BR-1BARanch w/Yd required. Please call 845-590-4141 MAIN STREET!! $1275-M-Town- 3BR 2 Stry on Irwin STORE FRONT!! $1300-Scotchtwn-3BR-1.5BA TwnHse- PINE BUSH/ROCK HILL/WALDEN Approx 900SF, large storefront win- $1300-Goshen TN-2BR-Tri Plex All Utils 1BD house/renov/yrd/PB $695 dows. $800/mo + utils. 1 year lease. $1350-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! 1BD nr conv/Walden $875 Available Immediately. No fee! $1400-M-Tn-Nice 3BR-1.5BA-C/A Nice 2BD apt nr conv/Walden $1000 $1500-Nw Wndsr-Sqr Vlg-3br-2ba-pool 778-2263 Wolfe Realty 219-5674 Smitchger Realty $1600-Scotchtown-3BR-Ranch-Huge 845-534-7874 $1750-MVSchls-4BR-2BARanch-2Ac ROCKHILL/EMERALD GREEN $2100-New Wndsr-4BR-2BA-Nice Hse û NEWER 4 Bdrms, 3 BAs û GOSHEN $2100-New Wndsor-4BR-Bi-Lvl-Yd Pool Finished Basement 3,000 Sq. Ft. Fully Equipped Go to orangewestrealty.com Very nice area! Ideal Space for Physical Therapy Orange-West Realty 856-4400 973-652-1293 Spa or Exercise Facility 845-283-3623 BALMVILLE Spacious 3BR, 2.5BTH Private home. , 2-car garage, lg FR, GOSHEN CORP HAS OFFICE SUITES AVAILABLE gas FPL. Tenant pay utilities. $1650/mo From 600 to 2,100 SF spaces Town of Newburgh Diane Shumway Close to Courts, Banks, Post Office & 2BR/1BATH COUNTRY COTTAGE SUPrudential Serls Dining. PER CLEAN, lots of 845.244.2121/914.475.1300 Call 914-443-1113 storage,Washer/Dryer Hookup,Wood Flrs.rooms painted white, country CALLICOON GOSHEN kitchen w. walk-in pantry. sunlight fills Ideal location for your office rooms. front n back porch, fenced in 5 BEDROOMS or business needs. Office suites catered yard. near Rt. 9, Twn of Newburgh.By ON 100 ACRES to your needs. Close to all major Owner Harriet 718-909-7066 AVAIL on Delaware River. W/W carpet. highways. 7.10.13, Pet ok, $1250.00/mo. oil heat. 50 Miles From Middletown . Call 845-283-3623 $1000 Per Month plus utilites. TUXEDO MAYBROOK 570-937-4055 Sterling Forest State Park RETAIL SPACE FOR RENT Very Nice 2 Bedroom 2 Bath Cottage, Excellent space for a deli or conven2 Decks & AC. Easy Commute to NYC ience store. 1400 square feet, good & NJ. $1340mo / + Per Month location in strip mall. (No equipment) Please Call: 845-351-5907 Call 845-249-5290

845

Apartments

our classifieds help bring readers to your door

Times Herald-Record Classifieds Get Results!

343.7000

845

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD

845

6E


www.recordonline.com

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

Sunday, July 21, 2013 ∂ TIMES HERALD-RECORD

7E

open house step into your future www.hudsonvalley.com/homes

BALMVILLE

$895,000 OPEN HOUSE SUN 7/21 1-4 PM

CORNWALL

$432,500 OPEN HOUSE July 21st 12-3pm

MIDDLETOWN NY

For more information call Diane Shumway 845.244.2121/914.475.1300 www.prudentialserls.com

$149,500

OPEN HOUSE SAT & SUN1:00PM-3:00PM

The Milich Team, Associate Brokers 845.565.0004 x337

RE/MAX BENCHMARK REALTY GROUP

MIDDLETOWN

154 DEER COURT DRIVE

Keller Williams Realty Hudson Valley United Hosted by Dulce Ferrera

914-443-1168

MONTGOMERY

$ 309,900

OPEN HOUSE SUN 7/21, 1-3PM

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.

RE/MAX BENCHMARK REALTY GROUP

WESTTOWN, NY

OPEN HOUSE SAT & SUN 1:00-3:00PM 555 South Plank Rd, Westtown, NY

Warm and inviting split level with lots of amenities. Ideal Mother/Daughter set up. Home offers 4 bedrooms, 3 full bathrooms and hardwood floors throughout. Family room has a beautiful fireplace. A section of the 3 car garage is finished and being used as an art studio, ideal space for home office or home based business. Deck in rear of house overlooks a beautiful in ground octagon pool. House is very well maintained and truly shows pride of ownership. Located in the Minisink School District. Beautiful country setting minutes from major shops, restaurants and highways. This is one not to miss!

Dir: 17M to Rt 6 left on South Plank Rd #555

Keller Williams Realty Hudson Valley United Hosted by Raymond Ali

845-321-4121

MONTGOMERY

$340,000 and Up!

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

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!

BEAVER DAM ESTATES

Ellen Barrett 845-742-1131

$296,900

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

Wallkill Schools New Construction 2297 SqFt. Bi-level. Still time for buyers to pick colors. Open floor plan. 4 bedrooms, 3 full baths, Hardwood floors, Granite Kitchen with island , Whirlpool tub, Gas fireplace, Deck off Dining Room. Patio off family room. Model Home 760 Orchard Dr MLS# 547303. ready for Fall Occupancy. Call Tracy direct 845-235-6333 Tracy Lockhart, Lic. RE Salesperson 845.565.0004 x312

RE/MAX BENCHMARK REALTY GROUP

Visit Marion Bruhns 845-744-8100

NEWBURGH

FROM

$239,000

OPEN HOUSE SAT. 7/20 & SUN. 7/21, 12- 4PM

756 Orchard Drive

Dir: Rte 300 to Orchard Dr. approx 1 Mile on left. See signs

Ellen Barrett 845-742-1131

OPEN HOUSE SAT & SUN, 1PM - 3PM

OPEN HOUSE July 21st 1-3 PM

24 Danielle Court

Dir: Rte 211 turn onto Chandler. Danielle Ct. ½ mile on left.

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

OPEN HOUSE SAT. & SUN., 12-3 PM

TOWN OF NEWBURGH

Ready for Occupancy. Move into this cul de sac neighborhood. This oversized bi-level has a lot to offer. Featuring 4 bedrooms and 3 Full Baths. Granite kitchen with island open to Living Room and Dining Room. Stainless Steel Appliances. Gas fireplace. Wood floors, whirlpool tub in master bath. Tray ceiling in Master Bedroom and Family Room. Valley Central Schools. A MUST SEE. MLS# 543298 Call Tracy direct 845-235-6333 Tracy Lockhart, Lic. RE Salesperson 845.565.0004 x312

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!

LIBERTY COMMONS

If attention to detail is what you are looking for... you just found it! True pride of ownership. This unit was completely renovated in 2006. Updates include all new windows. Beautiful new kitchen cabinets, stone counter tops, ceramic floor and back splash, large pantry closet. Crown molding throughout entire unit. Both bathrooms have been completely renovated, new tubs, custom mirrors, custom cabinets, ceramic walls, ceramic floors and custom accessories. To make unit more energy efficient seller had additional insulation added under the floors in front section of unit. A must see...

Dir: Rt 17M to Cty Rt 78 to Wawayanda Ave. to Deer Run second entrance, first right Building 3 unit #154

$249,000 & UP!

$369,900 and Up! OPEN HOUSE SAT 7/20 & SUN 7/21, 12PM - 3PM HARNESS ESTATES

Center Hall Colonial 4BR Formal LR and DR, EIK, 2 car garage . All town services. Walk to town from this lovingly maintained Quaker Mill one owner home. ML# 543685 Call Kathy Milich direct 845.527.0830 & Lauren Cito 845.542.3062 for more info on this property!

Prime Properties

Serls Prime Properties

GOSHEN

141 Harold Avenue

THE PINNACLE. Luxurious & NEW with fabulous North & South Hudson River views. Classic 2-story home w/grand entry, oversized deck, gourmet granite kitchen, 3-car garage. Elegant details throughout. Loaded w/extras & situated in prime location. MLS#532655 Prudential Serls Dir: Rt 9W to rgt on Balmville to lft on River to The Pinnacle on rgt.

LISTINGS

218 ORLEANS, NEWBURGH, NY

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

Agent: MIKE

DIR: Follow signs from Rt 52.

Key Properties of the Hudson Valley 845-565-6100

646-417-0635

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

Sell Stuff @ 845-343-7000


8E

Sunday, July 21, 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 Yr Fixed Jumbo 4.500 30-yr Fixed Jumbo 4.750

0.00 0.00 0.00 .500 .500

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 4.613 4.816

Term

Rate Pts. dn

Fees APR Comments

PROGRESSIVE MORTGAGE CORP.

845-294-6151 LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY

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

0

20%

0

3.46

0

20%

0

4.30 NYS Banking Dept.

HUDSON HERITAGE FCU 30-yr Fixed 4.250 15-yr. Fixed 3.250 3/1 ARM 3.000 7/1 ARM 4.250 Home Equity Loan 1.990 Home Equity Line 1.990

0.00 0.00 0.00 0.00 — —

— — — — — —

— — — — — —

4.346 3.784 3.081 3.208 1.990 1.990

0 0 0 0 0

5% 5% 5% 5% 5%

$0 $0 $0 $0 $0

4.50 3.63 4.88 3.30 6.10

0

20%

$0

4.75

HUDSON VALLEY FCU

30-yr Fixed Conf. 4.500 15-yr Fixed Conf. 3.625 30-yr Jumbo 4.875 5/1 30-yr 4.000 Construction Loan 6.000 Home Equity Loan (Fixed) 4.750

MID HUDSON VALLEY FEDERAL CREDIT UNION 30-yr. Fixed Conf. 4.500 15-yr Fixed Conf. 3.625 5/1 ARM 3.750 SONYMA Low Interest 4.625 SONYMA Achieving the Dream4.125

0 0 0 0 0

5% 5% 5% 3% 3%

http://www.mhvfcu.com

Call Call Call Call Call

NATIONWIDE EQUITIES

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

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

Rate Pts. dn

Fees

APR

4.50 3.50 4.50 3.00 3.00

$145 $145 $145 $145 $145

4.521 3.529 7.367 2.930 3.498

0 0 1 0 0

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

800-451-8373 EXT. 5002 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 845-594-9056 or TZWART@ MHVFCU.COM.

ORANGE COUNTY TRUST CO.

APPLICATION FEE WAIVED ** Purchase or refinance. • Fixed and variable rates with choice of terms • SONYMA mortgages with down payment assistance

Apply online, or call to schedule your appointment with one of our mortgage consultants, any day of the week!

800-249-3832 **Limited time offer

INTRODUCING OUR NEW MOBILE APP FOR ANY DEVICE

Download Today!

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

R

Fast, Local Decisions -

Close your First Mortgage in 30 days!* EQUAL HOUSING

LENDER

Member FDIC

4.625

Member FDIC

www.HometownBankHV.com

Trustco Mortgages Schedule Closing Date at Application 85% of our Loans close as scheduled!*

0

5%

845-452-7323 $0

4.651

20-yr Fixed

4.375

0

5%

$0

4.410

15-yr Fixed

3.750

0

5%

$0

3.794

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

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

Low Closing Costs -

No Points and No Tax Escrow required

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

ULSTER SAVINGS BANK

15-yr Fixed 3.250 30-yr Fixed 4.500 FHA 30-yr Fixed 4.250

0 0 0

5% 5% —

Please Call 3.350 Please Call 4.559 Please Call 4.581

845-294-7922

*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

WALDEN SAVINGS BANK

• Fast and convenient local closings

www.orangecountytrust.com

TRUSTCO BANK Your Home Town Bank

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

http://www.ulstersavings.com

• FREE preapprovals

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

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

800-797-6669

4.28 Competitive Closing Costs and Approval Within 24 hours. 3.30 4.66 Licensed Mortgage Banker, NYS Banking Department 4.17

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.

(Valued at $145)

845-341-5000 3.51 3.76 4.51

— — — —

www.tegfcu.com

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

— — —

Member FDIC

5% 5% 20% 5%

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%

www.hvfcu.org

201-529-1401

20% 20% 20%

• Fast and convenient local closings

0 0 — —

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

30-yr Fixed

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

• FREE preapprovals

30-yr Fixed 4.250 15-yr Fixed 3.250 30- yr Jumbo Non-Conf. 4.625 20-yr Fixed 4.125

TEG FEDERAL CREDIT UNION

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

3.50 3.75 4.50

• SONYMA mortgages with down payment assistance

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

REVERSE MORTGAGE

10-yr 15-yr 20-yr

• Fixed and variable rates with choice of terms

800-468-3011

4.523 3.665 3.365 4.648 4.148

Financing via 3rd party providers.

www.progressive-homeloans.com

Hometown Bank

Registered Mortgage Broker

15 yr fixed 3.375 30 yr fixed 4.250

ROCHESTER HOME EQUITY, INC.

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

845-226-3534

We Close Loans!

www.trustcobank.com 800-670-3110

*Information based on current closings. Circumstances beyond Trustco Banks control may delay closing. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.

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

4.625 3.625 3.875 3.000 2.750

0 0 0 0 0

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

$450 $450 $450 $450 $450

www.waldensavingsbank.com

4.657 3.668 3.683 3.183 3.158

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

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

WALLKILL VALLEY S&L ASSOC. 15 Year Fixed Rate 30 Year Fixed Rate 3/1 ARM 5/1 ARM 10/1 ARM

3.750 4.500 3.125 3.375 4.125

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.810 4.571 3.175 3.395 4.195

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, July 21st, 2013