Issuu on Google+

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

HudsonValley.com

Today’s focus

CLASSIFIEDS Homes

Are you a picky homebuyer? MarketWatch

hen you’ve already bought one or two homes in the past, you might know exactly what you want in your next one. On top of that, you’ll probably want a home that’s move-in ready. The location might also be nonnegotiable. In short, the older you get, the pickier of a home shopper you are. And there’s research to back this up. In a survey of recent home buyers and sellers, about half of people 58 and older made no compromises at all during their recent home purchase, according to the National Association of Realtors. Only 28 percent of the youngest home buyers didn’t compromise, with most making all sorts of trade-offs on price, lot size, distance from job and the style of home. In between, the older you were, the less likely you were to compromise. Shutterstock

EXPERTLY CRAFTED LUXURY BOUTIQUE RESIDENCES STARTING AT $479,000

OPEN HOUSE and by appointment

“The first-time buyer is starry-eyed and has no idea what they really need. They might want a five-bedroom and never use two of them,” said Stephen Melman, director of economic services for the National Association of Home Builders. Those in their 50s “are better than most housing consumers at knowing what they want – and won’t be shy.” Young buyers tend to focus on needs. They need three or four bedrooms to have enough room for their kids, said real estate agent Leslie Piper, who is also a consumer housing specialist for Realtor.com. They need to be located in a good school district. When you reach a certain age, you’re going after what your desires are, she added. You’ve likely raised your family; now you’re interested in focusing on what you want, not the kids. And you’re less willing to compromise. But being very selective will likely make your home search tougher.

There is a downside Piper has recently crossed paths with boomer buyers who were very specific in their requirements. Like the couple who has been trying to downsize into a newer home, yet have their hearts set on living in a San Francisco-area neighborhood filled with bungalows from the 1940s and ’50s. (They’re still looking.) Or

See PICKY BUYER page E2

26 HOMESITES FOR ACTIVE ADULTS

(no age restriction)

Sat 12-3 • Sun 12-3

Times Herald-Record SUNDAY, OCTOBER 13, 2013

Because your business

MATTERS

They know what they want

By Amy Hoak

W

E1

A Masterwork Home Community

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 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, October 13, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

Picky buyer Continued from page E1

the couple who paid at least $100,000 over the other bids in order to buy an updated home where they’d be able to walk to town and be close to an aging mother in her 80s. The older you are, the newer you want your home to be, too, according to the NAR survey. Millennials (those born between 1980 and 2000) old enough to buy homes typically went for places built around 1986, a decade older than the typical home bought by someone from the so-called Silent Generation (those born between 1925 and ’45). In fact, older buyers may give up on finding an existing home that fits all their wants and go the route of building new instead. They are more likely to have the financial wherewithal to do it, too – especially now, as housing markets have improved and fewer owners are underwater on their mortgages, meaning they owe more than the home is currently worth.

Builders growing optimistic Sure enough, home builders who cater to buyers age 55 and older have grown more optimistic in the past months. The most

Shutterstock

Older home buyers are less willing to compromise, according to a recent survey of buyers and sellers. recent reading of the National Association of Home Builders’ 55-Plus Housing Market Index was 53 in the second quarter, up 24 points from the same period last year. A reading above 50 means that more builders view conditions as good. In new homes, empty nesters typically value entertaining spaces – their kitchens, eating

spaces and gathering spaces – both inside and out, said Scott Thomas, director of architecture for PulteGroup. Many work from home, so they value designated office space that doesn’t make them give up a bedroom. Ample storage is another popular desire.

Location, location, location Location also is important, and many empty nesters prefer to be within walking distance of amenities including coffee shops and theaters, Piper said. “A lot of times, when you have raised your family not close to commerce and the amenities of what a town or city might offer, you

realize how nice it is to be able to ride your bike or walk and meet friends,” she said. If you’re a picky homebuyer, consider the following tips: O Identify your must-haves: Is low maintenance important to you? Must the home be newer, so you can move in without doing much remodeling? Is entertaining important? Decide what’s on your wish list, as well as which items are nonnegotiable. That will help prevent you from seeing homes that don’t really fit what you want. O Do your homework: Think about what neighborhood you want to live in and learn about new developments that might suit your needs. Envision how you want to spend your future. Then do a reality check: Talk with a trusted real-estate agent about the conditions of the market and let them help you pinpoint houses, Piper said. Don’t forget to check in with a good money adviser, who can help if you’re considering financing part of the purchase. O Embrace technology: Mobile real-estate applications can help homebuyers stay aware of new listings on the market. “You don’t want to miss out on something, as particular as you are,” Piper said. Distributed by MCT Information Services

It’s time to face reality of situation as foreclosure trial nears BY GARY M. SINGER Sun Sentinel

Q. I have been in foreclosure for the past several years and have been unsuccessful in getting a loan modification because I don’t make enough money. My attorney just told me that the case is going to trial in two months. What can I do? – Clarisse A. Foreclosure lawsuits can seem to last forever, but they, like all things, eventually come to an end. Many people have been able to work with the bank to keep their home, but in some circumstances, such as yours, the numbers will never work out for a loan modification. At your trial, the judge will make a final determination on the foreclosure, and the bank wins a large majority of the time. You should concern

yourself with your future living arrangements and with trying to get the bank to waive any deficiency judgment – the difference between what you owe and what your house is worth. The reason that most lawsuits settle before trial is that neither side is positive of the outcome, no matter how strong the case may be. You can use this uncertainty to your advantage by negotiating with the bank to forgive your remaining debt and give you money for moving expenses. You may also want to look into completing a short sale. You should speak to your attorney about the possibility of filing for bankruptcy to potentially save your home or at least allow you a fresh start without the dark cloud of debt hanging over your head. Now is the time to start look-

ing for your next place to live, because it can take a while to find a suitable rental, especially with a low credit score. While you may win your foreclosure case or get a last-minute loan modification, it is time to face the realities of your situation and get a head start on the next phase of your life. Q. I paid my 15-year mortgage for eight years before I suffered a hardship and had to stop making payments. I am trying to get a loan modification and want to know what happens to the equity in my home. And is the modification done on the original loan amount or just the remaining balance of the loan? – Valeria A. When your lender looks to modify your loan, it considers your budget to get a payment that is affordable for you to make. Lenders estimate that a

person can devote 31 percent of their household income toward principal, interest, taxes and insurance. You do keep your equity. The loan modification amount will be based on what you still owe on the loan, plus the accrued interest and penalties for the time you did not pay. To get the payment to an affordable amount, your bank will first look to lower your interest rate and will adjust the remaining term of your loan only if it is necessary to spread the payments over a longer time. It’s easy to see what your payments would be if the loan mod is approved by applying the 31 percent formula to your income. To maximize your chances of getting approved, make sure to cooperate fully with lender requests for documents, even if it means sending in

the same form multiple times. Also remember that the bank representative on the other side of the phone is a real person whose job is to try to help you and the many others in similar situations. Even when you’re frustrated, be patient and respectful. 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.


www.recordonline.com Custom Home Builders 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 AFFORDABLE QUALITY HOMES 28 Yrs Exp. Custom Modulars In-House Site Work Pkgs Available. Additions too. Free Prop Consults Free Info Packet & Design Service 845.856.4310

www.ButlerHomesInc.com MODULAR EXPERT ONSITE Custom Design. Low Cost Land Development.

Kinnebrook Estates 351 17b Monticello NY www.umh.com/ community/kinnebrooke-estates

845-794-6066 Homes for Sale HIGHLAND MILLS/ TIMBER RIDGE

3 BEDROOM TOWNHOUSE

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

NEW WINDSOR/CORNWALL SCHLS NEW DOUBLE WIDE 3 BDRMS, 2 BATHS UNIONVILLE CHARMING VICTORIAN 4 BR, 1.5 BA, baseboard natural gas heat, GREAT condition, hardwood floors, 2-car garage 2000+ sq. ft., $189,900, (845)726-4365

Land

MIDDLETOWN-Outskirts $650k

Sara Construction Call 845-344-5174

Call 845-304-6907

paradisepark.nwny@yahoo.com NEW WINDSOR

SINGLE or DOUBLEWIDE

OCTOBER SALE

Lot For Sale, Pike Co. 1.5 Acres, Zoned For Commercial or Residents, Beautiful Conner Lot on Cul-De-Sac, Off Rt 6. $75,000 Call: 845-988-5731

NEWBURGH, TOWN OF BUILDING LOT 12.3 WOODED ACRES Marlboro Schools , 1 Acre AG/RES, 306FT Frontage. OK for Horses, Easy Access Train, Flights. $89,000 845-562-3609 or 845-590-8857

Across for Veterans Park 459’ RD Frontage x62’ Deep $3,900 Call 646-207-8644 (9a-6p) Lots of Timber on the Property Waterfront Lots – Virginia’s Eastern Shore. Was $325k, Now From $55,000. Community Pool/Center, Large Lots, Bay & Ocean Access, Great Fishing & Kayaking, Spec Home. www.oldemillpointe.com 757-8240808.

Manufactured Homes for Sale

New Construction 4,200 sq ft 4BR, 3½ BA on 1.7 acre maple cabinets, granite tops, high ceils, Anderson windows, central air, carpet/oak/ceramic floors, walk in closets, jacuzzi, 3 car gar, stucco front w/paver walkways.

RENT

$1200/mo. Near West Point/Stewart/84.

LAND IN MONROE!!! Homes for Sale. Walter’s Mobile $34k per lot - 6 lots!!! 958 Little Britain Road 4.4 acres! Best location in Monroe!!! 845-564-1993 Low taxes!!! Great for builder or put your own WASHINGTONVILLE dream house on it! Call Amanda 845 987 4159 athompson@realestateipg.com $23000 2BD, 1BA, 14x64, 2004 IPG Real Estate $61000 3BD, 1BA, 24x60, 2001 $55000 2BD,2BA 14x70 New! MILFORD, PA $85000 3BD,2BA 20x60 New!

Exceptional Highland Mills Townhouse for Sale. 3 Bedrooms, 2 1/2 Bath, Attached Garage, Deck off Breakfast Area, Nice Views in Lovely Neighborhood. Well Maintained and in Desirable Community. Monr/Wood Schools $249,900 Negotiable For Appointment Call or Email: OTISVILLE 914-391-2340 MAIN ST. krmivi@yahoo.com LOT FOR SALE! HUGUENOT 5 Bedroom, 2 Bath, Family Room, Living, Dining, Kitchen. Bonus Room (bedroom or bath). 2,000+ sq ft, fenced-in back yard, nearly one acre w/ shed, built in 1992. Cul-de-sac. Great for kids and pets! asking $238,999. Shown by appointment only (203) 249-7909.

Manufactured Homes for Sale

Greenville/Minisink Schools Castle High Community New 2013 Single or Double wide Starting at $55,000. 3 Bdrms, 2 full bths, decks included Financing Available 845-355-6052 CASTLEHIGH@OPTONLINE.NET HARRIMAN

SILVER MAPLES

$27500 2BD,1BA 14x70 Mint! $95500 3BD, 2BA 24x48 New!

MONROE!!! Pine Tree Road 845-496-1121 4 BR; 2.5 BA for $200k!!! www.brooksideacres.com Hardwood flrs, fp, huge master BR patio, excellent location!!! Great home or investment! A 2nd home for HIGHLAND MILLS/WOODBURY sale is on the lot Call for details. Amanda IPG Real Estate New 2013 Single or Double Wide 845-987-4159 (We have more houses in this price 3 bdrms, 2 full bths, decks included Financing available range!) Easy commute 845-928-6769 ∂ 845-699-0990 NEWBURGH Investment Property. Positive Cash MIDDLETOWN/GREENVILLE Flow. West End of city, borders OFF RT6 town. Immaculate condition, EveryGreen Acres- 80% Senior thing is done! Duplex. 4BD, 4BTH. New 2013 Champion by Titian 14 x $167,900. 66 2 BR/2 full BA/ Turnkey/ 845-566-8399 Financing Available/ Call any time! FRANK TANGREDI REALTY 355-2568/986-8680

845-496-1121

LARGE 3 BDRM 2 BATH HOUSE

Large kitchen, stainless steel appliances, w/d, large living room w/gas fireplace, central air, all gas, large lot. Asking Ç $120,000 Call 845-644-4262

BLOOMINGBURG NICE 1 BEDROOM APT Walk to everything, 10 mins from Middletown. Near bus stop. 1st floor, in 3 family house. Clean, new carpets, new kitchen floor. Cat friendly. PRICED REDUCED $700/mo + utilities. 1 month rent & sec. Sec 8 welcome. Credit check. Avail Immed. Call 845-733-6637

THE LIST OF ALL THE NEW COMMUNITIES IN ORANGE COUNTY WITH WESTCHESTER QUALITY TOWNHOMES: 1) FAIRWAYS!

■ ■

ALL AREAS Realtor Fee only $595

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

Two or Three Bedrooms, 2 ½ Baths 1 or 2 Car Garage Finished Lower Level

CLUB WITH: ■

1 & 3BR LUXURY APTS

Zip 12723 On mountain side overlooking 30 mis. Near Villa Roma Resort. Master br /jacuzzi /priv deck /ba /fireplace /lrgdeck, d/w, w/d hookup & more. SL W. School Dist. start ing @ $695/mo+util.sm Pets ok No smoker 800-926-2459

Fitness Center Swimming Pool Game Room

Open daily from 10AM to 5PM. Closed Wed. and Thurs.

CIRCLEVILLE

Beautiful 2BD Apt Pergo throughout. $850/month incl heat, HW and cooking gas. Call 845-590-4141

135 GOLF LINKS ROAD MIDDLETOWN, NY 10940

Karen & Andrew Chereck: “We love the architecture, layout and the location.”

FALL SPECIAL - ONLY A FEW LEFT... Up to 2 FREE MONTHS RENT on select apartments with a 13-14 month lease. PLUS RECEIVE a $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 parking and laundry. Private country setting with pond. Must qualify and move in by 11/15. Close to Rt. 17 and Rt. 52. Easy commute to Middletown, Monticello and Kingston. $825 plus utilities. No Pets. (718) 358-7200.

Sell your home. Advertise in the Times Herald-Record.

Call Today

(845) 374-0063 The complete offering terms are in a public offering statement available from the sponsor.

www.fairwaysorangecounty.com

ûBEAUTIFUL 2 BR APT û

Apartments

3E

MIRACULOUSLY PRICED FROM JUST $229,900

CALLICOON, SULLIVAN CNTY

CORNWALL/SALISBURY MILLS COUNTRY ESTATE Open House 1 BR , LR, full bath, EIK. Beautiful GOSHEN grounds, heat/hot water/snow plowOpen house Sun. Oct. 13 1 to 4pm ing included. Near train station. 4 Reservoir Rd. $975/mo. Ref’s. No smokers. Cat ok. Charm, Privacy & Low axes describes 845-496-7602 10a to 9p for appt. this 3brs. 2.5ba Ranch on 2 park like ac. features incl. large deck overlook- DEERPARK/SPARROWBUSH ing ingr. pool, enclosed screened porch, wall fire pl. 2 car gar. views & 2mins to Rte 17. priced at 345,000 Nice yard, EIK, DR & LR. Available imDeanna at 845-294-5617 mediately. 1 mo sec. $850/mo. SecARC Realty #1 in Sales tion 8 ok. Plenty of parking available Call 845-283-5683 or HIGHLAND MILLS 845-283-5375, 845-692-6249 Sunday 12 - 3 P.M. 22 SUTHERLAND DR Elegant colonial reduced to $434,900. 4 bdrm, 2.5 bth, 2 car gar. Granite, vaulted ceilings, private yard, tiled bth, new driveway & more. In a beautiful community near gold course w/sought-after Monroe-Woodbury Schools. Close to NY Thruway. Rte 32 to Smith Clove Rd to Thayer Dr. to Sutherland Drive. Debra Caprarola, 845-234-3995 Ellenville ARC Realty #1 in Sales

Lakeside Village

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

BLOOMINGBURG COZY STUDIO Apt w/Kit $625 Nice 4 room apt , "1BD" furnished/unfurnished $950/month. BOTH INCLUDE ALL UTILITIES!! 1/2 Mile to Route 17 ûû Call 201-934-4940

WURTSBORO 2 BD, 2 BA Spacious Floorplan, Cov. Deck, Corner Lot in Big Valley Est. CHESTER VICINITY overlooking Bashakill.$3,400 Down & STUDIO $700/month $335/Mo. Bank Pay 888-4600 1 BEDROOM $990/ month In Quiet Area. Utilities Included. Ref’s WURTSBORO & Security. Call 845-248-0111

APARTMENTS 856 - 4400 $600-Port Jervis-Studio-Incl Heat/HW $650-Ellenville-1BR-Nice-Inc Heat/HW $695-Walden-Mint 1BR Apt Very clean $700-Blmbrg-1BR-Main St-Renovated $700-M-Town-Cute-1BR Nice Kitchen $700-Ellenville-2BR-Apt on dead end st $745-Blmbrg-2BR-Cozy 1st Fl Apt-Nice $800-Pt Jrvs-2BR-2Storydplx-Very nice $800-Blmbrg-1BR-B’tiful 1stFl-Big Yd $850-Sprw Bsh-B’tiful 2BR-1stfl-cntry $850-Port Jrvs-Lrg 1BR-HW flrs-Inc Elec $850-Mtamoras-Lrg 1BR-All Util Incld $850-M-Town-Mint-Huge-1BR-like New $875-New Wndsr-1BR-Inc Ht/HW-Pool $875-M-Town-2BR-1stFl-Inc Ht-WD-HU $875-Port Jrvs-delux-Hge 2BR-1stFl-yd $892-Port Jervis- 3BR-West End-nr Prk $900-Mtmoras-2BR- 2Flr Apt-Very Nice $900-Port Jervis-2BR-Quiet-Inc Ht HW $900-Nbgh-115 Lbrty 2BR-inc ht/hw PINE BUSH/ROCK HILL/WALLKILL $900-Blmbrg-HUGE MINT- 2BR - Deck (2) 1BD hses/2a/renv/PB $110000 MONTICELLO KINNEBROOK ESTATES $950-Blmbrg-Exective 2BR big yrd-1st 3Bd,2b All renov/Rock Hill $139000 $1000-Mtmrs-Mint 2BR--w/d hu 351 Rte17B, Monticello 2fam 3bd,3b/apt/renv Wllkll $310K Deluxe Singlewide and Doublewides $1000-Bulvll-PB Schl-2BR-Inc Ht-1st Fl 778-2263 Wolfe Realty 219-5674 Manufactured Homes delivered $1200-Eldred-3BR-2Ba-dplx-Inc all Util anywhere. Come visit our new model $1300-Tn Goshen-2BR-Inc all Util C/A Sell your home. Go to or angewestrealty.com center! E-mail Orange-West Realty 856-4400 Please Call: 845-423-0530

realestate@th-record.com

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

Apartments

DIRECTIONS: Take NYS Thruway to Exit 16. Follow signs to Route 17 West to Exit 122. Off ramp make right at light, then a quick right onto Crystal Run Road (becomes E. Main St.). Proceed 7/10 mile, make left on Golf Links Road (4th traffic light). Proceed 1/2 mile to entrance on right.

Because your y

business

MATTERS

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 A

Call: (845) 341-1100 EXT. 2180

Publication

*Source: 2009 CMB Market Study.


4E

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

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

<RXUKRPHSDJHIRU+XGVRQ9DOOH\KRPHV IURP+XGVRQ9DOOH\0HGLD*URXS

www.recordonline.com


www.recordonline.com Apartments

LIBERTY, NY

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

Valley View Gardens

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

GOSHEN

1 Month Free Rent

55+ SENIOR COMMUNITY 1 & 2 BDRM STARTING AT $876 heat & hot water included! On site maintenance & laundry facility. Beautiful & spacious apts. Call Today! Offering 291-1211.

EHO

MARLBORO

1 ROOM STUDIO

$195/wk. or $700/mo plus sec. Full kit & bath. Pvt entrance, country setting. Ground flr accommodations.

INCLUDES UTILITIES

Call 845-236-7422

MARLBORO 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 NEW KITCHENS, NEW BATHS NEW BRIARWOOD APTS Raised maple panel cabinetry, Moen hi arc faucet, Harbor Breeze 52" ceiling fans, laminate granite cntertp, simulated oak flring, DW, over the range Whirlpool microwave. And that’s just the EIK. Area best Goshen schools. Next to beautiful Salesian Park.1-2BR & spacious 1BR+ den/office/BR BRIARWOOD HOUSE APTS 18 Craigville Rd⁄ 914-450-4496 www.briarwoodhouseapt.com

3 BEDROOM APARTMENT 2 Bath in Private Home Heat & Hot Water Included $1,500 per Mon + Security PLEASE CALL: 845-549-0208

MARLBORO COUNTRY SETTING SPACIOUS 1 bedroom with open floor plan ground floor apt. $895/mo with washer/dryer. Includes heat, electric, garbage pickup. No dogs & No smoking. Security. Yrs lease. 845-795-5778 or 845-489-5331 MATAMORAS, PA

1 & 2 BEDROOMS APT ALL UTILITIES INCLUDED Driveway Parking, References & Security. Near State Hwy 84. Call 845-355-3214

MAYBROOK

1 BDRM APT 1st month rent $400

A/C. Offstreet parking. Cable ready. Island kitchen, icemaker, dishwasher, microwave. $1,000/mo plus utilities. Security & references. 845-427-2286

3 BEDROOMS SECURITY AND REFERENCES REQUIRED. $1100 + Utilities Call: 845-562-4963

Washer/dryer avail. New carpet. Heat & electric included. References required. No pets. $695/mo. plus security Please Call 845-497-7665 MAYBROOK 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

Apartments MIDDLETOWN

AFFORDABLE!!

ûRENTAL SPECIALSû û1 & 2 BEDROOMS û

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

Country Manor (845) 343-2221 www.aptHP.com MIDDLETOWN ALL UTILITIES INCLUDED

Large Studio $950 Small Studio $ 750

Furnished, micro & fridge. No pets/smoking. 1 month rent plus 1 month security. Please Call ........845-537-0707 MIDDLETOWN

BOULDER POINTE

1 & 2 BRS AVAIL. NOW!!!

UP TO $600 OFF

INCL. WASHER & DRYER. 866-584-0752 boulderpointeapts.com

Some conditions apply MIDDLETOWN

BREWERY APARTMENTS 1Bedroom Apartments Heat/HW included Income Restrictions apply Equal Housing Opportunity Please call today 845-342-2720

2 bdrms, 2nd floor Bright, open, renovated

MAYBROOK Goshen/Washingtonville

MIDDLETOWN/ SCOTCHTOWN

û Horizon Hill û 2 Bedroom 2 Bathroom

Quite community, upper level, WW carpet, W/d , heat & hot water inclueded, new Kitchen & Bath, NO PETS -1 m rent + 1 m secure, ref req. Please call 845-661-4371

MIDDLETOWN Towne Terrace Apts

1,2&3 Bedroom Apts. Pool! Quiet! Park-Like Atmosphere.

845-343-3189 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

Cromwell Hill Commons 2 bdrm, 2 bth,

Desirable ground floor condo, LR, DR, EIK, washer/dryer, central air. No pets, security & excellent ref’s a must. Avail 10/1, $2,000 a month + utilities. 845-401-7240 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

MIDDLETOWN

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

www.aptHP.com

MIDDLETOWN, NY 1 & 2 BR APARTMENTS ROCKWOOD GARDENS Apts Newly renovated, 3rd floor, off-street "Get them while they last! " parking, w/d hook-up. $800/mo plus Check our website: utilities. Security & references re- rockwoodgardens-apts.com quired. Call 845-728-1133 845-692-2939 Mon - Fri 9-5; Sat 9-3 MIDDLETOWN

Fully equiped kitchen w/ DW Washer/Dryer in each unit Wall to Wall Carpeting Patio/Balcony with each unit Valley Central School District Ample Parking Mins from Rt. 84, NYS Thruway

Please call for Rental Info 845-343-0300

Large 1 Bedroom Apt.

2 Bedroom Apts

Best Location! Highland Park Mgmt. Starts at $1080 & up - Includes heat, hot water, a/c, dishwasher, w/d.

MIDDLETOWN, NY

Silver Lake Gardens Studio 1-2-3 BR

All utilities included

∂2 BDRMS $1000

Selling Your Home?

∂1 BDRM $875 No pets. No security

Times Herald-Record

845-343-0494 or 845-239-2415

Apartments NEWBURGH

our classifieds help bring readers to your door

Classifieds Get Results!

MONTICELLO Convenience.... is what you will find at

Greenwood Apartments 1 & 2 Bdrm units Free H/HW & Cooking gas

845-794-6660 MONTICELLO

Apartments NEWBURGH, CITY OF GRAND STREET

(845) 863-0319 TTY # 1-800-421-1200 M-F 8am-5pm maria.murdie@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

(845) 863-0319 TTY # 1-800-421-1200 M-F 8am-5pm maria.murdie@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

Jefferson Gardens

ALL UTIL’S INCLUDED!!! Hudson River View! Near waterfront & A caring community with 24 hour restaurants. New kitchen, marble emergency maintenance. Largest 1&2 flooring & balcony. br with beautiful wood decks & play - Call 845-554-9448 area. Heat and h/w included. No pets. 845.561.1180 Please visit us on the NEWBURGH, Tn web : southgatevillageapts.com 1 BEDROOM APT Heat/HW Incl. $850/mo. 2 BEDROOM APT Utilities Incl. $1,200/mo. CORNWALL 2 BEDROOM APT $1,100/mo + utilities Security Deposit, References. No Pets Call 845-905-2519

NEWBURGH, TOWN 2BD, 1BA & 3BD, 2BA apartments. Private entrances, no utilities included. No pets.

Call: 845-565-0818 for more information

NEWBURGH, TOWN OF

3 BEDROOM

2 Bath, Very Nice Apartment in Great Area. No Smoking or Pets. $1,475 Per Month - Heat Included Security & References + Credit Check PLEASE CALL: 845-895-9095 CALL BETWEEN 9AM - 8PM NEW WINDSOR

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

Beautifully upgraded with new: Kitchen Baths Carpeting, Pool & play area. Heat & hw incl.

NEW WINDSOR

1 BDRM $935-$970 3 BEDROOM $1,419

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

845-561-1034

Old Forge Apartments

NEWLY REFURBISHED 3 BDRM APT

845-794-6660 Sell your home.

E-mail realestate@th-record.com

845-548-9421

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

Times Herald-Record Classifieds Get Results!

NEW WINDSOR

Starting at $915

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

NEWBURGH, TOWN OF 2 BEDROOM APARTMENT Clean, Quiet & Safe No Fee’s, New Carpet & Paint, Plenty of Parking, Wallkill Schools, Close to I84 & I87, Laundry Room on Site. PINE BUSH $950 + Utilities, Sec & Ref’s LARGE 1 BDRM APT $650 No Pets - Avail. Immediately Please Call: 845-541-4534 WALDEN

NEWBURGH CITY BRAND NEW 2-3 BR APTS TOTALLY RENOVATED For rent located couple blocks from waterfront, St. Luke’s hospital & Mt. St. Mary College. New laminate flrs, MONTICELLO, VILLAGE OF elect, plumbing, windows. LG 1 BR APT with Loft, Sky Lights, RENT RANGES FROM Private Entrance, Fresh Paint & Park $850 - $1000 Neg. ing, RECENTLY RENOVATED . LG Contact Brendan: 845-787-2193 NEW WINDSOR 1 BR Ground Floor Apt with Dayroom, handicap accessible, Patio, New Car- NEWBURGH CITY 1 BEDROOM APARTMENT pet, Parking. Both Have Heat & Hot $835 Per Month Water Included. Close to All, Garbage Includes Heat & Hot Water & Snow Removal, Laundry in Building. 700 Sq Feet - No Pets/No Smokers (Ref’s & 2 Mo Sec) 718-423-7640 1 Month Security & Ref’s PLEASE CALL: 845-624-2191 Located on Henry Ave MONTICELLO New bath/kitchen. $950/mo. plus Welcome to.... NEW WINDSOR renter pays own utilities. the best kept secret 1 & 2 Bdrm units Free H/HW & Cooking Gas Call now for move in specials

NEW WINDSOR

SOUTHGATE VILLAGE

Spaceious 1, 2, 3 bedroom apts, heat & hot water incl.

Colonial Hill Apartments

Apartments

û 2 BEDROOMS APT û Make Your Home at

MONROE

1 BEDROOM $1,015 Plus Utilities

1 bdrm apt

Call 845-341-1100 ext. 3600

Apartments

MONTGOMERY

HARRIMAN 1 & 2 BR Apts from $1219 Call 845-978-5493. Harriman Woods Unbeatable value, service & loc. Spacious apts & 1+ den apts, inc ht, (Must fill out credit app.) HW, w/w, a/c’s, appls, playgrd & pool. No pets, NYC bus stops at en- MIDDLETOWN trance. Quiet, b’tiful setting, MW 2 BEDROOM schools. 845-234-5672 Wall to Wall Carpet, MIDDLETOWN/SCOTCHTOWN $900.00 Per Mo Highland Mills + Utilities & Security No Pets BRIGHT SUNNY, COZY ON ROUTE 32 Great Schools Downtown Full Kitchen PLEASE CALL: 845-386-2187 Heat, water, electric included excellent 516 Route 32 Everything included, co- MIDDLETOWN Very peaceful area 30 SPRING ST zy, sunny, studio, close to Woodbury Freshly painted, Non-smoker & 3 BDRMS Commons and bus line, downtown No pets. $760. Highland Mills, great for one person, $1300. Finished attic, stackable w/d Call 845-692-4054 no pets November No 850.00 Month hookup, dishwasher, front & back David 845-222-6034. porch, parking in rear. MIDDLETOWN/Scotchtown 845-800-1371 COUNTRY SQUIRE APTS HIGHLAND MILLS 914-409-3497, 914-409-3606 1BD Apt, lg spacious living rm, dinHighland Mills Small, neat 1Br on Rt ing rm and bedroom area. Brand 32 off street parking nice yard storage MIDDLETOWN New renov’d kit & bath Pets ok. avail. No fee, 750/mo+utilities. Avail ∂3 BDRMS 845-590-4141 or 845-692-2122 immed. 1mo rent + 1 mo security $1275/mo. call 845-928-5275 M-F 9-5

Rent your home or apartment.

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

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

1 BEDROOM APT

Very clean 1 br apt. Full kitchen, Living room. Includes heat/hot water/cooking gas. $750/mo, plus 1 month’s sec. No pets. Call 845-542-3339

Sell your home.

E-mail realeaste@th-record.com

2/3 bdrm apt. $900/mo.

S ecurity req’d. 845-468-5846 PLATTEKILL

1 Bedroom Apt.

Freshly painted. Carpeting

$625/mo + 1.5 mo sec. Offstreet parking, quiet location. 845-564-3828 PORT JERVIS

2 BEDROOM APARTMENT 153 BALL STREET ON THE 1st FLOOR Avail now $675 + Utilities (small animals only) CALL: 516-661-1133 PORT JERVIS

LARGE 1 BEDROOM APT . Small yard, off-street parking, private entrance, w/d hook-up. $700/mo plus utils. 1 mo’ rent & 1 mo’s sec. No pets. Call 845-733-6719 PORT JERVIS TUDOR GARDEN APTS 1 & 2 Bedrooms From $765 per month Heat & H/W Included Call 845-856-3398 Scotchtown - Goshen Schools

Cambridge Manor Super Special

Lg, Beautiful 1BR, 2 Lg Walk In Closets, Private entry, newly renov with new kit, Exc cond Heat/HW, incl. Call 845-590-4141, 692-2121 SOUTH FALLSBURG

3 BEDROOM APT.

Separate entrance, Large kitchen Large bathroom, Nice plush carpet, Playground, Private parking. $775/month, Includes heat Security and references required (845)554-3618 (845)262-0052 (845)428-3353

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

Times Herald-Record Classifieds Get Results!

5E

Apartments TOWN OF MAMAKATING WURTSBORO AREA 2 Houses Side by Side. Country Peaceful Living.

2/2 Bedroom $800 each. + Utilities, Security and References Please Call: 845-883-9025 or 845-527-1863 or 845-421-5014 WALDEN Squire Village Apts Excellent Condition! 1 Bdrm apts avail. Newly renovated with new kitchen. Heat & hot water included 845-778-5700 or 845-239-2225 WALDEN, Village 2BD light/roomy/wtr&sewer $950 1BD roomy/wtr & sewer $850 3BD, 2BA house Rock Hill $1600 778-2263 Wolfe Realty 219-5674

Walker Valley, 2 bdrm trailer, $1000/mo + utils. Pine Bush area, lg 1 bdrm $900/mo; C i r c l e v i l l e , $1000/mo. No utils included 845-361-4997 for info WALKILL 1 BEDROOM APARTMENT AVAILABLE NOV 1ST $775 Per Month + Sec Not Pets, LG Walkin Closet, EIK, Newly Renovated, Nice Deck and Shared Back Yard. PLEASE CALL: 845-255-9100 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 WARWICK PRIVATE COUNTRY SETTING Large New Studio Apartment w/Extra Room. Must See! $875 per month, Plus Utilities. Single Occupancy Preferred. Call 201-954-4419 Washingtonville 2 BR $950 $850 if paid before the 1st of any month; Quiet, on Rt. 208 2 miles north of Washingtonville Call 845-418-5799 More info at WWW.Realprop.Org. WASHINGTONVILLE

Large 1 BEDROOM

in remodeled building. Heat & water included. $975/mo. Near schls/shopping. Parking Inc. 914-667-3366 x105 or 845-393-1054 WOODRIDGE

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

845-794-6660 WURTSBORO

1 & 2 Bedroom Apts.

Small house very private, just renovated, no pets. 1 BR $600 - 2 BR $850. One month security and one month rent. Avail. immediately. Call 845-222-2196 Dennis

Sell your home. Advertise in the Times Herald-Record


6E

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

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 $118,000; Horseshoe Lake Road, 4 BR/3 BA two-story, 2232 sf, blt 2012, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Hudson Valley Realty, Rock Hill

GRAHAMSVILLE $160,000; Twins Haven Road, 4 BR/2 BA raised ranch, 2050 sf, 4.12 ac, blt 1970, LA: Malek Properties, Bethel/SA: Malek Properties, White Lake

LIBERTY $367,500; Cutler Road, 5 BR/3 BA farmhouse, 2688 sf, 52.02 ac, blt 1910, LA: Keller Williams Hudson Valley Realty, Rock Hill/SA: NonMLS Broker, Further info n/a

MINISINK $299,000; Route 62, 3 BR/3 BA ranch, 1950 sf, 5.3 ac, blt 1988, LA: ARC Realty #1 in Sales, Monroe/SA: Better Homes and Gardens Rand Realty, Goshen

NEWBURGH $55,000; Concord Street, 3 BR/1.1 BA two-story, 1518 sf, blt 1890, LA: Keller Williams Realty, Highland Mills/ SA: William Raveis Baer & McIntosh, Warwick

CHESTER $367,000; Pewter Circle, 4 BR/2.1 BA colonial, 2681 sf, .41 ac, blt 1999, LA: ARC Realty #1 in Sales, Monroe/SA: Better Homes and Gardens Rand Realty, Warwick

HARRIMAN $196,000; Meyer Avenue, 3 BR/1 BA Cape Cod, 1026 sf, blt 1927, LA: Weichert, Realtors, Monroe/SA: Weichert Realtors, Monroe

MIDDLETOWN $335,000; Castle High Road, 3 BR/2.1 BA Victorian, 2268 sf, 6.1 ac, blt 2001, LA: Keller Williams Realty, Highland Mills/SA: Hawk’s Nest Realty, Port Jervis

MONROE $355,000; Edward Place, 6 BR/5 BA multifamily, 4160 sf, 1 ac, blt 2004, LA: John J. Lease Realtors, Middletown/ SA: Keller Williams Realty, Central Valley

NEWBURGH $88,000; Kingsley Place, 3 BR/1.1 BA split-level, 1360 sf, blt 1961, LA: John J. Lease Realtors, Newburgh/SA: ERA 1st Independent Realty, Newburgh

CHESTER $85,000; Rachel Drive, Vacant land, residential, LA: Regal Homes & Properties, LLC, Warwick/SA: Realty Promotions, Inc., Port Jervis

HIGHLAND MILLS $459,900; Moorefield Circle, 4 BR/2.1 BA colonial, 3148 sf, blt 2003, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

MIDDLETOWN $168,000; Highland Lake Road, 3 BR/1 BA ranch, 1164 sf, blt 1965, LA: John J. Lease Realtors, Middletown/SA: RE/MAX Benchmark Realty Group, Central Valley

MONTGOMERY $190,000; Prospect Terrace, 4 BR/2 BA farmhouse, 2376 sf, blt 1925, LA: ERA Curasi Realty, Montgomery/SA: ERA Curasi Realty, Montgomery

NEW WINDSOR $445,000; Lakeside Drive, 5 BR/4.1 BA colonial, 3110 sf, 1.1 ac, blt 2001, LA: Weichert, Realtors, Monroe/SA: RE/ MAX Benchmark Realty Group, Central Valley

ATTENTION REALTORS:

ELLENVILLE $180,000; Ulster Heights Road, 3 BR/1.1 BA two-story, 1224 sf, 8.44 ac, blt 1987, LA: Prudential Peters Realty, Monticello/SA: Prudential Peters Realty, Monticello

HUGUENOT $206,700; Dandee Circle, 3 BR/2 BA ranch, 1300 sf, blt 2013, LA: Realty Promotions, Inc., Port Jervis/SA: Better Homes and Gardens Rand Realty, Goshen

MIDDLETOWN $100,000; Spring Street, 3 BR/1 BA two-story, 1394 sf, blt 1900, LA: ERA Curasi Realty, Montgomery/SA: Century 21 E&M Williams Realty, Walden/Montgomery

NEWBURGH $50,000; Carson Avenue, 5 BR/2 BA multifamily, 2120 sf, blt 1899, LA: John J. Lease Realtors, Newburgh/SA: Keller Williams Hudson Valley Realty, New City

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


www.recordonline.com

Sunday, October 13, 2013 â&#x2C6;&#x201A; TIMES HERALD-RECORD

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

7E

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.

ROCK HILL $152,000; East North Lake, 3 BR/2 BA two-story, 2060 sf, .60 ac, LA: Hudson Valley Realty, Rock Hill/SA: Hudson Valley Realty, Rock Hill

WALDEN $289,900; Donnelly Farm Road, 4 BR/3 BA bi-lonial, 2280 sf, 1.5 ac, blt 2013, LA: ERA Curasi Realty, Montgomery/SA: Four Seasons Realty Group, New Paltz

WARWICK $360,000; Hedges Road, 4 BR/2.2 BA colonial, 3874 sf, 9.2 ac, blt 2002, LA: Regal Homes & Properties, LLC, Warwick/SA: Better Homes and Gardens Rand Realty, Warwick

WARWICK $269,900; Sodrick Lane, 3 BR/2.1 BA bi-level, 1840 sf, 2.2 ac, blt 2013, LA: ARC Realty #1 in Sales, Monroe/SA: Better Homes and Gardens Rand Realty, Warwick

WESTTOWN $262,000; Amdurer Road, 3 BR/1.1 BA contemporary, 1520 sf, 6.2 ac, blt 1979, LA: Keller Williams Realty, Highland Mills/SA: Keller Williams Realty, Highland Mills

ROCK TAVERN $245,000; Station Road, 4 BR/1.1 BA colonial, 1560 sf, 1.8 ac, blt 1999, LA: John J. Lease Realtors, Middletown/ SA: John J. Lease Realtors, Middletown

WAPPINGERS FALLS $622,500; Main Street, 8 BR/5 BA multifamily, 7127 sf, blt 1850, LA: Keller Williams Realty, Highland Mills/ SA: Keller Williams Realty, Highland Mills

WARWICK $180,000; Howe Street, 3 BR/1.1 BA two-story, 1630 sf, blt 1845, LA: Green Team Home Selling System, Warwick/SA: Green Team Home Selling System, Warwick

WASHINGTONVILLE $239,500; Belvoir Drive, 3 BR/2 BA bi-level/high ranch, 1662 sf, blt 1987, LA: Century21 E&M Williams Realty, Walden/Montgomery/ SA: Monroe Realty Center, Monroe

WOODRIDGE $30,500; Alpine Drive, 3 BR/2.1 BA town house, 1378 sf, blt 1989, LA: Keller Williams Hudson Valley Realty, Middletown/SA: NonMLS Broker, Further info n/a

Local loan rates Local Banks

!NNUALPERCENTAGEYIELDS

(OMELOANS

.EWCARLOANS 5SEDCARLOANS -ONEY #ERTIĂŞCATEOFDEPOSIT MARKET MO MO MO MO MO MO MO %QUITY

Berkshire Bank

N/A

Catskill Hudson Bank

0.45

0.55

.40

.35

0.50

Greater Hudson Bank .05-.60v

0.35

0.50

Empire State Bank

0.10-0.45

First Fed - Middletown

.55v

Jeff Bank - Jeffersonville 0.10 Orange County Trust Rondout Savings Sawyer Savings State Farm Bank Ulster Savings Hometown Bank of HV

2ATESCHARGED

.30@

1.05

N/A

N/A

N/A

N/A

.80 7.25@ 7.50@ 8.75@ 9.25@ 1.20

8.25

8.25

9.25

9.25

N/A NA CB

Unsecured Improve- personal ment loans

N/A

N/A

NA 11.00@ 6.50

9.50

Local Credit Unions Hudson Heritage FCU Kolmar FCU Matteawan FCU

0.30

0.40

.95

N/A

N/A

N/A

N/A

N/A

N/A

N/A

MPO FCU

.25

.45

NO

N/A

N/A

N/A

N/A

4.25v

N/A

N/A

Mid-Hudson Valley FCU

0.30

.40

0.75

3.75

.30

.45

1.00

N/A

0.26

0.30

0.55

1.10

N/A

N/A

N/A

N/A

3.75 ^4.25 ^4.25 N/A

N/A

N/A

7.25

N/A

.10

.35

0.10-0.25

0.30

0.50

1.10

4.50

N/A

N/A

N/A

.25@

0.30

0.45

1.00

7.00

7.25

8.25

8.50

0.35

N/A

N/A

0.25

.25-.60

.35

0.55

NO

NO

N0

.15

0.30

0.50

1.05 1.49@ 1.94@ 2.99@ 2.99@ 2.99v@ 10.50 10.50

.15@ 0.351 0.551

.702 1.99@ 1.99@ 1.99@ 1.99@ 4.99@ 5.84@ 8.50@

N/A 10.00

6.25

N/A

Palisades FCU

0.30@

TEG FCU

.25-.35

.4

.150

.351

.15

.35

N/A 5.625

.50

.35@

5.75

N/A 10.25 7.00 14.00

.67 ~2.39 ~2.39 ~3.34 ~3.34 ~4.00 ~5.25 N/A

N/A

N/A

N/A

US Alliance FCU Wallkill Valley Fed. S&L

2ATESCHARGED

(OMELOANS Unsecured .EWCARLOANS 5SEDCARLOANS -ONEY #ERTIĂŞCATEOFDEPOSIT Improve- personal loans MARKET MO MO MO MO MO MO MO %QUITY ment

O&R EFCU

5.25 5.325 5.250 5.375 ~4.625 8.75

!NNUALPERCENTAGEYIELDS

0.50 1.10@ 2.24@ 2.75@ 3.49@ 3.74@ 1.99@v 1.99@ 5.99@

.20@ 0.25@ 0.65

N/A

7.50

N/A

1.10 ~2.49 ~2.49 ~2.49 ~2.49

N/O

N/O

~3.2

3.50 ~5.00

9.50

6.25

N0

4.00 3.50

4.00 3.50

8.00 2.99

4.50 13.00

.35@ 2.99@ 2.99@ 2.99@ 2.99@ 4.490@ 1.99@ 9.99@ 1.11

2.24

2.99

2.24

2.24

4.50

NO

9.25

.501 1.004 ~1.99 ~1.99 ~2.99 ~2.99~3.50v/~5.99fN/A 7.99@ .60

N/A

N/A

N/A

N/A

4.25

7.00

N/A

N/A

N/A

4.25v 6.00@ 11.75@

New loans are based on a $10,000 loan. Variable home equity rates are based on the current Prime rate of 3.25%. Fixed home equity and improvement loans are based on $5,000 loan. Unsecured personal loans are based on $2,500 loan. N/A = current rates not available. f = fixed rate. v = variable rate. * = customer rate. NO = not offered. @ = Special rate; - =Contact bank or credit union for details. ^ = for models under two years old. ** = variable APR. ~=as low as. A = auto deduct. CB = contact bank. T = 13 month CD. Data compiled by Shaniquah Gabino: Subject to change without notice. Information is provided by the financial institutions. Compiled 10/11/13.


8E

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD Apartments

WURTSBORO

Several 1, 2 & 3 BR apts

$650, $750 & 850 /mo PLUS UTILITIES No pets. Security & first month required prior to move-in. 845-888-8377 845-701-3049

Furnished Apartments MIDDLETOWN 120 WICKHAM AVE 3 bdrm apt. $900-$1000 Unfurnished room $400-$450

INCL HEAT/HOT WATER SENIORS WELCOME Available immediately Rent & security. No pets. 845-342-6199 MIDDLETOWN

SPACIOUS 2 BEDROOM APARTMENT ON 1ST FLOOR

near OCCC. $995/mo plus utilities. Lease, security & NO PETS AVAILABLE IMMEDIATELY. 845-551-1001 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 PINE BUSH NICE SMALL 1BEDROOM APT. In Nice Quite County Setting Heat/Garbage & Snow Removal Incl. No Smoking - No Pets $675 Per Month + Security Please Call: 845-744-2470

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

Times Herald-Record Classifieds Get Results!

HIGHLAND MILLS

Commercial & Industrial Property for Rent CHESTER

1600 SQ. FT. PRIME LOCATION

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

Commercial & Industrial Property for Rent

WALDEN

OFFICE FOR RENT 700 sq ft store front in Walden. Includes all untilities and expenses. Must share bathroom. Ideal for office/retail/salon etc. Great $1,000 a month. visibility. Call John at (845) 674-6283 845-857-9108 WASHINGTONVILLE STORE:

GOSHEN CORP

HAS OFFICE SUITES AVAILABLE From 600 to 2,100 SF spaces Close to Courts, Banks, Post Office & Dining. Call 914-443-1113

STORE FRONTS

500sqft to 950sqft. ON MAIN ST. High foot & Vehicle traffic, tile floor. Suitable for Florist, Candy, Food etc. Heat, Water, Trash , Parking inc. No Broker 914-667-3366 X105

GOSHEN Condos & Townhouses for Rent Ideal location for your office or business needs. Office suites catered MIDDLETOWN to your needs. Close to all major highways. 2 Bedrooms Call 845-283-3623 washer/dryer, dishwasher, new wood floors. Available Nov. 1st. No pets. GOSHEN/MIDDLETOWN AREA $1150/mo. Offices for rent w/in an Office SECURITY & REFERENCES. 9’10"x 10 ’8’’ $500.00 per/mo 914-391-5428 12’5" x 12’5" $700.00 per/mo Share a conf room for xtra $50/mo MIDDLETOWN Shared reception area, BR, & Kit Avail. immediately. This townhouse Or rent the whole 1947 sq ft for has 3 Bdrms, kitchen, dining room, Retail Space Also Available patio,1.5 baths, living room and driveCall Gina Marchese/All Phases Realty way parking. Goshen Schools. Just 845-548-9825 minutes to Orange Regional Hospital, Shopping and all major Hways. First, GOSHEN/MIDDLETOWN LOC. Last rent. Sorry no pets, no smokers, rent $1,450. Principals onWORKSHOP WAREHOUSE Reasonable Outside storage, 1250 to 5000 sqft. ly. Call owner. 347-796-0089 with 16 x 16 garage door. 20 Plus ceilings and radiant heat. Perfect for NEW WINDSOR 1 BEDROOM contractors. Squire Village Condo 914-447-4110 or 845-986-1366 No pets, newly painted, tiles, use of the pool, heat included. $875/mo HIGHLAND plus elec. Sec req’d. Sec. 8 OK COMMERCIAL SPACES Call 845-300-2998 FOR RENT/LEASE 1000 sq. ft. and 2,500 sq. in LIGHT Garage & Storage Rentals INDUSTRIAL ZONE, with 12’ x 12’ overhead doors, 14’ ceilings, MIDDLETOWN bath, etc., can be converted to any use 2 CAR GARAGE FOR RENT permitted in this zone, i.e., In quiet safe area repair/workshop, warehouse, storage, offices, etc., 5 minutes to Mid-Hudson No Commercial, Storage ONLY. Bridge and Thruway. 1000sf is $200 & $250 /month. $1,025 and 2,500sf includes storage 845-239-2415 space heat and electric for $2,790 845-343-0494 Call 845-691-8505

Sell your home. Advertise in the Times Herald-Record

SELL YOUR HOME! Call Today!

Call 845-341-1100, ext. 3600 email: realestate@th-record.com

Greenville Mini-Estate Village of Montgomery

Homes for Rent ALL AREAS Realtor Fee only $795 HOMES/DUPLEX 856 - 4400 $750-Glen Spey-2 BR Ranch-Nice-Lake $800-Port Jervis-Maiden Ln-1BR-Mint $875-M-Town-2BR 2 stry Duplex- Nice $1000-Schola-3BR-1.5BA-Rnch-big yd $1000-Pine Bush-2BR-2BA-Duplx $1100-N-Brgh-Beautiful-2Br-2Stry hse $1200-Orge Lk Nwbrgh-2BR-Dplx Yard $1200-Mtown-2BR-2BA-Bttn Wd tnhs $1200-Rock Tvrn-2BR-Cozy Ranch, yd $1200-Mill Rift-3br rnch dplx-excel cnd $1250-Nrth Sprwbsh-3br-2ba-Big Deck $1275-Mtwn-3BR Dplx Irwin Av-Pet ok $1300-Greenville-3BR-Bi-lvl-fin bsmnt $1300-Goshen TN-2BR-Tri Plex All Utils $1300-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! $1300-Blmbrg-3BR-1.5BA-Farmhouse $1325-M-Twn-2BR-Luxury Condo-pool $1350-Milford Vill-4Br-3ba-Bilev-big yd $1375-M-Town-3BR-2Ba Hs Nice Area $1475-M-Town-2BR-2BA-DLX Condo $1500-Crclvlle-3BR-2 Bath Bi-Incl Heat $1500-Pine Bush-4BR-2BA New Dplex $1850-Nw Wndsr-4Br-2ba-Grt area-yrd Go to orangewestrealty.com Orange-West Realty 856-4400 BLOOMINGBURG 3 Bed, 1.5 Bath, 2,200sf, 2 Car Garage, Central A/C, Oil hot water base board, Hardwood Floors, 1.1 Acres, Large Driveway, Deck, Yard. Nice house, Pine Bush Schools, Available Dec. 1st, First & Last + Security. $1600 per month. 845-733-8074 CALLICOON

5 BEDROOMS ON 100 ACRES

on Delaware River. W/W carpet. oil heat. 50 Miles From Middletown . $1000 Per Month plus utilites.

570-937-4055 CHESTER

2 BEDROOM HOME

Colde-sac, central a/c, storage shed, water/garbage removal. $925/mo. 1 month’s security plus utilities. No pets/smokers Call 845-469-2489 & Leave message È

Sell your home. E-mail

Homes for Rent

PINE BUSH

CHESTER

3 ROOM STUDIO

3372 sq. ft. 4 bedroom 2.5 bath, 3 fireplaces original 1800’s farmhouse lovingly restored on 7 acres. Pond, and outbuildings on property, must see. Minisink Schools. ML# 549014

Price adjusted for immediate Sale 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

CALL: 845 928 8000

TOM PAHUCKI

TOM PAHUCKI

$389,900

FHOMES atured

realestate@th-record.com

MIDDLETOWN

ASSOCIATE BROKER

ASSOCIATE BROKER

NEW CONSTRUCTION 4,200 sq ft 4BR, 3 1/2 BA on 1.7 acre , maple cabinets, granite tops, high ceils, Anderson windows, central air, carpet/oak/ceramic floors, walk in closets, jacuzzi, 3 car gar, stucco front w/paver walkways.

RJ Smith Realty

RJ Smith Realty

Sara Construction

$450,000

845-741-3643

$229,900

845-741-3643

9 ROOMS

Call 845-344-5174

Mobile Homes for Rent 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

2 ½ baths, 1 car garage in Big Farm House. Very private and large yard for $750/mo plus utils. kids to play. $1700. plus utilities. 1 Month Security. ALSO In-Law apt downstairs NO PETS. Kit, bdrm LR. Rent together for Call 914-755-4253 $2500. 914-403-2865 HUGUENOT, NY 914-760--6757 TWO BEDROOM RANCH Z Greenwood Lake Bright, clean,1 bath, LR, DR, breezeHouse for rent way w/2 car garage, on 1+ acres, priSparrowbush 2 bedrooms, waterfront,beautiful view One story remodeled country vate setting, 1 mile outside Port Jervis, & beach with screened in porch house, Rio, NY, one bedroom, large NY. 1 mile from shopping, train and washer & dryer $1,300 + a month kitchen & living room, office, fire- Delaware River. $1,390 per month, Please call 201-923-1084 place, large yard, attic & storage, plus utilities and 2 month’s security. Call (914) 443-1866 $850 per month, security required, MARLBORO, TN rent negotiable to handyman,Inquire Private House, 3 BR & 2 BA 845-856-6150 or 845-858-8491 LIBERTY Completed renovated, w/basement, 2 bdrm Mobil Home outdoor space, back deck overlooks lrg TUXEDO NY Sterling Forest Private rural location. 3 miles from pond perfect for relaxing. Open flr plan State Park newly renovated Liberty. No pets. $550/mo plus btw Kit., DR & LR New kitchen. Incls. lakefront home 3 bdrm,2 & 1/2 utilities and 1 month security. Fam. Rm on lower level w/frplc & dr to backyard. Near Rte 9W, mins to bath,fp,AC,$3000 +/ a mo also 1 References required. 845-292-9133 dwntwn Marlboro. No Pets/Smoking. bdmr cottage 1 & 1/2 bath great rm,AC-$1350 +/mo easy comm to $1750/mo. 845-988-7382 for appt. NYC & NJ call-845-351-5907 Sell your home. MIDDLETOWN WEST TOWN Advertise in the Mount Hope. Minisink Schools, EXECUTIVE DUPLEX Nice house, Private setting, Times Herald-Record. 3 - 4 LARGE BEDROOM 4 Bedrooms, 3 Baths, Plus studio. On 2nd level, walk up attic, plenty of $1,700 per month storage. 1.5 Bath, galley Kitchen., forPlus 1.5 Month’s security. mal din, Liv rm, garage. $1975/mo + Call 845-283-9394 Utilities. No Pets. Available Now! Beautiful neighborhood. Minisink MOUNT HOPE/HOWELLS Beautiful 3BR home. New kitchen Schools. Call 845-283-1410 and applis. Located on a quiet piece of property. $1500/mo+ utils WHITE LAKE SPACIOUS 2600SF (approx $300/mo) Excellent refs 4 BR 2 BATH HOME required. Please call 845-590-4141 on 5 acs. Finsihed bsmt w/bar, den, LR w/fpl. Detached gar, c/a & new NEWBURGH TOWN high efficiency furnace/water heater. Beautiful Newly 12 mi from Crystal Run in Rock Hill & close to schls .$1475/mo. Renovated AVAILABLE NOV. 1ST. 3 bdrms, 2½ baths, DR, full size kit, 845-583-0241 large sunken LR with fpl & vaulted ceilings. Central air. Full basement. Mobile Homes for Rent Beautiful backyard w/built-in pool. 2 car gar. $2200/mo plus utilities. 2 CAMPBELL HALL mos sec & ref. 646-784-4401 3 BEDROOM RANCH w/VAULTED CEILINGS NEW WINDSOR Groomed ac in beautiful quiet 3 BDRM BRICK RANCH 1.4 neighborhood. 2 car garage, 2 sheds, LR, DR, EIK, yard. No pets/smokers. front porch, rear deck off EIK & W/D. $1550/MO plus utilities. Washingtonville schools. Close to train. 1st month rent, 2 months security. Credit ck. $1,650/mo + utils, refs & References & TRW. 1mo sec. Call 845-978-9700 AVAILABLE DEC. 1ST Rent your home or apartment 917-972-1426

Town of Wallkill

Outskirts $650k

MOTHER/DAUGHTER MINT-MINT-MINT 3600 sq ft Colonial 4-bedrooms – 3- bathrooms Totally updated – 3-decks C/A-Granite-Hardwood French doors-covered porch All you need is a M/D permit.

www.recordonline.com Homes for Rent

Follow the winding driveway back to this private level home site on 2.7 acres in the prestigious Restorative Estates subdivision. This colonial features 4 bedrooms, 2.5 baths, hardwood floors through out, fireplace and central a/c. Relax on your full length front porch w/cultured stone siding and full walk-out basement. The kitchen boasts 9’ ceilings, maple cabinetry and granite counter tops. Retreat to your private master suite w/ walk-in closets, tray ceilings, Jacuzzi tub and full size tiled shower. A heated garage and nice size back deck complete this amazing home all located in the Minisink Valley S/D.

Now $349,900

CALL (845) 381-5777

To Advertise on this page contact

Jen Olsen 845-341-1100 ext. 3600

Rates As Low As

$59

www.RealtyPromotions.net

Roommate Wanted WURTSBORO AREA

SHARE HOUSE

Victorian 5 bdrm 4½ baths, private bdrm & bath, large LR, DR & game room with pool table, $500/$600. Includes utilities, cable, WiFi. 904-226-1700

Rooms MONROE AREA

LARGE SUNNY....

Carpeted rooms w/priv. bath/, fplcs, ext. porches, patios, kitchen, W/D, free cable TV. All utils incl $775 & up on Country Estate. N/S or pets. 845-238-2150 PLATTEKILL

FULLY FURNISHED RM $495/mo

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


www.recordonline.com

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

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

9E

ENGAGEMENTS WEDDINGS ANNIVERSARIES BIRTHS BIRTHDAYS BAR MITZVAS BAT MITZVAS CHRISTENINGS SHEHADDAS GRADUATIONS CONGRATULATIONS

C

ELEBRATIONS

Happy Ads every week in the Sunday Record If it’s happy, we’ll print it for everyone to see! Rates and Sizes? Log on to

recordonline.com/celebrations or call

1-800-295-2181 Announcements guaranteed for publication within two weeks of acceptance


10E

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

H U D S O N VA L L E Y .com/homes

Step into your future

BLOOMING GROVE, NY $269,900 OPEN HOUSE SUN. 10/13 11AM-1PM This home has it all. It is the full package. Interior and exterior.

Dir.: 208 to Barnes Road (Tappan Hill) to # 169 see signs or call John 914-760-0045

GOSHEN, NY

$369,900 AND UP!

GOSHEN PRICE STARTING AT $359,900

OPEN HOUSE SUN. 10/13, 1PM-3PM

OPEN HOUSE SAT.10/12 & SUN.10/13,12PM-3PM

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

Ellen Barrett 845-742-1131

MONTGOMERY

$324,900 & UP!

OPEN HOUSE SAT & SUN 2PM – 4PM

BEAVER DAM ESTATES - FREE GEOTHERMAL heat/ac/hw system. No oil/gas bills. Fed Tax credit. Save $$. Oak floors, GE SS appl, Granite tops. Lexington Model one of 30 new homes + 100 floor plans available. Schedule an appointment with builder for personal attention to customize your new home that fits your budget. WEB#537572 Dir: Rt 17W to Exit 120, R-Rte. 211E, R-Chandler, R-Beaver Dam Rd, 2nd R-Tweddle Farm Ln.

Great curb appeal on quite street. Professional landscaping maintenance free exterior. Full four bedrooms. Two full baths. Huge open eat in kitchen with granite and stainless steel appliances. slider to private oversized deck with beautiful view of fenced yard and in ground pool. Large living room with bay window. Double sized family room with fireplace. Sliders to covered patio off koi pond. Office. Workshop and John Olivero cabana room. Truly a piece of paradise yet near all shopping Licensed Real Estate Broker and transportation. Hurry... 914.760.0045

Dir: Rt 17 to exit 124. Take 17A towards Florida, right onto Houston Rd, then Right onto Gabriella Terrace. Last house on Right.

Eva Meadows - Colonials offered on 2 + acres in the Town of Goshen, Goshen schools. Great commuter location just 2 miles off of route 17. Very reputable local builder offering several models to choose from.

DL Hawkins & Accoc. Jason McGovern 914-760-7331

NEWBURGH, NY PRICES START AT $235,000 OCTOBER OPEN HOUSEBUILDERS SAT & SUNSPECIAL Lawrence Farm Townhomes

Luxury Townhomes. Includes oak cabinets, GE appl EVERY SUN 12-3pm & OPEN Koler fixtures. ThisSAT model& is located on Pinto Rd. towards Closing Cost. #35. Come $5,000 visit Ellen at the Open House! Paid commons charges for one year! WEB# 549813 Dir: Rt 52 to 2nd Meadow Winds Entrance to Orleans

Visit Marion Bruhns 845-744-8100

Visit/Call Kerri Stretch 845-546-4123 or Patricia Cole 845-541-1034

CHESTER

$424,900 SUN., SUN. SU N. OC OCT.T. 13TH 13T 3THH 1-4PM, 1-4P 14PM, M, 2206 06 CCREAMERY REAM RE AMER ERYY PO POND RD

Dir.: Kings Hwy to Creamery Pond

This Custom Quality Built Colonial w/Original Owners features 3-4 Bedrooms, 3 Baths, Double Front Doors into Large Foyer w/Italian Marble Flooring, Open Maple & Corian Kitchen w/Island PLUS Large Breakfast Bar was Bumped out for Added Space, Oversized Family Room w/Hardwood Floors & Remove Gas Fireplace, 2 Zone Central Air, 5 Zone Heat, Wrap Around Covered Porch w/Recessed Lighting, Extensive Landscaping & Perfect Backyard Backs up to Farmland. Great Sugar Loaf Location & Warwick Award Winning Schools!

Please Call 845-782-4646 for this and all other Open Houses Today.

MIDDLETOWN, NY $249,000 & UP! OPEN HOUSE SAT & SUN 12-3

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

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

Ellen Barrett 845-742-1131

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


www.recordonline.com

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

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

Dreaming Dreaming Dreaming Dreaming Dreaming Dreaming

of a new place? Buying, Selling or Renting, find 1000’s of Local Listings Search by price, zip code, building type, agent & more!

11E


12E

Sunday, October 13, 2013 ∂ TIMES HERALD-RECORD

Term

Rate Pts. dn

THE BERKSHIRE BANK

15-yr Fixed 3.375 20-yr fixed 4.125 30-yr Fixed 4.250 15 Yr Fixed Jumbo 5.000 30-yr Fixed Jumbo 5.250

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

3.464 4.200 4.305 5.118 5.320

Term

Rate Pts. dn

Fees APR Comments

PROGRESSIVE MORTGAGE CORP.

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

15 yr fixed 3.250 30 yr fixed 4.125

0.00 0.00

20% 20%

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

HUDSON HERITAGE FCU

30-yr Fixed 4.375 15-yr. Fixed 3.375 3/1 ARM 3.125 7/1 ARM 4.125 Home Equity Loan 1.990 Home Equity Line 1.990

0.00 0.00 0.00 0.00 — —

— — — — — —

— — — — — —

4.487 3.487 3.237 4.237 1.990 1.990

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

Registered 3.33 Mortgage Broker 4.172 NYS Banking Dept.

0.00 0.00

30 Yr Fixed 15 Yr Fixed Fixed Construction 5/1ARM SONYMA

Rate Pts. dn

Fees

APR

4.500 3.500 4.50 3.375 5.000

$145 $145 $145 $145 $145

4.521 3.529 7.367 3.063 5.622

0 0 1 0 0

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

• Fixed and variable rates with choice of terms • SONYMA mortgages with down payment assistance • FREE preapprovals • Fast and convenient local closings Member FDIC

30-yr Fixed Conf. 4.125 15-yr Fixed Conf. 3.250 30-yr Jumbo Non-Conf.4.875 20-yr Conforming 3.950

— — — —

5% 5% 20% 5%

Rochester Home Equity, Inc. NMLS#20517 Licensed Mortgage Banker – NYS Department of Financial Services 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

— — — —

800-797-6669

4.16 3.30 4.91 3.99

Competitive Closing Costs and Approval Within 24 hours. Licensed Mortgage Banker, NYS Department of Financial Services NMLS#20517

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

SUPERIOR MORTGAGE CO., INC. OF 30-year Fixed 4.125 0.00 5% 20 YR Fixed 3.990 0.00 5% 15- year Fixed 3.250 0.00 5% FHA 30YR 3.750 0.00 3.5%

NEW YORK 845-928-2845 — 4.390 NO INCOME LOANS AVAILABLE 0 4.250 "Best practices 0 3.398 lending" 0 3.880 100% Financing, Lower Fico Score, Goverment Loans, Better than Commercial Properties, SBA, No Income. your bank All With UNBEATABLE Rates and Service.

TEG FEDERAL CREDIT UNION

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

30-yr. Fixed Conf. 4.375 15-yr Fixed Conf. 3.250 5/1 ARM 3.750 SONYMA Low Interest 5.000 SONYMA Achieving the Dream4.500

0.00 0.00 0.00 0.00 0.00

5% 5% 5% 3% 3%

http://www.mhvfcu.com

Call Call Call Call Call

4.375

0

5%

$0

4.401

20-yr Fixed

4.125

0

5%

$0

4.160

15-yr Fixed

3.500

0

5%

$0

3.544

NATIONWIDE EQUITIES

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.

ULSTER SAVINGS BANK

COME HOME TO LOW MORTGAGE RATES AND FAST ANSWERS

201-529-1401

Purchase or refinance.

REVERSE MORTGAGE

• Fixed and variable rates with choice of terms

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

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

800-249-3832

CALL LEN NMLS #65781 AT 201-529-1401 M/F 8:30-5:00

3.50 3.75 4.25

0.00 0.00 0.00

INTRODUCING OUR NEW MOBILE APP FOR ANY DEVICE

845-341-5000 20% 20% 20%

— — —

3.51 3.76 4.26

www.orangecountytrust.com

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

Download Today! Member FDIC

www.HometownBankHV.com

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

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

5% 5% —

Please Call 3.350 Please Call 4.434 Please Call 5.555

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

http://www.ulstersavings.com

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

• Fast and convenient local closings

LIC. MORTGAGE BANKER NYS DEPT. OF FINANCIAL SERVICES NMLS 1408 NATIONWIDE EQUITIES IS LICENSED BANKERS IN 42 STATES

0 0 0

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

• FREE preapprovals

BUYING A HOME? WITH ONLY 45% DOWN YOU MAY QUALIFY FOR A REVERSE PURCHASE MORTGAGE, WITH NO MONTHLY MORTGAGE PAYMENTS NECESSARY

10-yr 15-yr 20-yr

15-yr Fixed 3.250 30-yr Fixed 4.375 FHA 30-yr Fixed 4.000

• SONYMA mortgages with down payment assistance

TAX FREE CASH-NO MORTGAGE PAYMENTS CALL TODAY FOR FREE INFORMATION TO SEE IF A REVERSE MORTGAGE WORKS FOR YOU.

ORANGE COUNTY TRUST CO.

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

www.tegfcu.com

800-451-8373 EXT. 5002 4.397 3.289 3.365 5.023 4.523

845-452-7323

30-yr Fixed

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

MID HUDSON VALLEY FEDERAL CREDIT UNION

Financing via 3rd party providers.

www.progressive-homeloans.com ROCHESTER HOME EQUITY, INC.

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

845-226-3534

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

4.375 3.500 4.125 3.375 3.125

0 0 0 0 0

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

$450 $450 $450 $450 $450

www.waldensavingsbank.com

4.405 3.541 3.818 3.315 3.243

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

3.625 4.375 3.125 3.375 4.125

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.685 4.450 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, October 13th, 2013