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5 ways to land the best mortgage By Kathleen Lynn

The Record (Hackensack, N.J.)

A

fter riding a swift updraft earlier this year, mortgage rates have steadied at around 4.5 percent for a 30-year fixed loan.

But there’s a good chance they’ll resume their upward path. That’s one of a number of things borrowers need to know now to get the best loan. “For planning purposes, if I were thinking of getting into the market next spring, I’d be working with numbers in the 5 percent range,” said Keith Gumbinger, vice president of HSH.com, a Riverdale, N.J.-based publisher of mortgage information. That would be up from around 3.5 percent earlier this year. The market got some rate relief recently, when the Federal Reserve decided to continue its policy of buying bonds to keep mortgage rates low, in an effort to stimulate the housing market and the economy. But the Fed has also made it clear that it will taper off such buying at some point, as the economy improves. So does that mean buyers should speed up their timetables and jump into the market before rates start to rise again? Not necessarily. For one thing, analysts aren’t predicting a huge *Source: 2009 CMB Market Study.

by the financial markets, and much more influenced by what’s happening in their lives: a new job, marriage, divorce or the birth – or departure – of children, said Greg McBride, an analyst with Bankrate.com. And even if rates start to rise, they are likely to remain affordable, by historic standards. “Mortgage rates are not, and won’t be for some time, an impediment to well-qualified borrowers,” McBride said. “If the difference between a 4.5 percent and 5 percent rate on your mortgage is the difference between being able to afford a home or not, you’re stretching yourself too far.” Given the changing mortgage landscape, here are five things borrowers can do to get the best deal: Do your homework: The first step is to check your credit report with the three credit reporting agencies. You can do it for free at AnnualCreditReport.com. If there are any errors, correct them. Then do what you can to improve your credit rating by paying down your debt. Avoid borrowing to buy a car or other big-ticket item in the months before you apply for a mortgage – and, for that matter, up to the date you finally close on your new home.

1.

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increase. And the mortgage rate is “only one part of the (homebuying)

transaction,” Gumbinger said. For most people, the decision to buy or sell is less influenced

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Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

Best mortgage

Continued from page E1 You can check your credit score at MyFico.com for $19.95. Anyone with scores below 620 will find it very difficult to qualify for a mortgage; borrowers with scores over 740 qualify for the best rates. It’s a good idea to try to improve your score in the months before you apply for a mortgage, because even a 20-point improvement can make a difference in the rate you can get, according to David Stein, chief operating officer of Residential Home Funding in Parsippany, N.J. Be ready to offer up a lot of paperwork to document your income, debts and assets. Regulators have cracked down since the housing boom free-for-all, when unqualified buyers and borrowers got or refinanced mortgages they couldn’t actually afford. Now, borrowers need to show one month’s worth of pay stubs, two months of bank statements and two years of tax returns, according to Stein. During the housing boom, Stein said, lenders “weren’t looking at anything – now they’re looking at everything.” Then shop around among several lenders for the best rate.

2.

Get preapproved: Even before you start looking for a house, you should get preapproved for a mortgage. This will make you a stronger buyer, because sellers will know you have the financing in place to move forward. In addition, getting preapproved for a mortgage amount “sets boundaries around what you can afford. Those boundaries dictate what your price range is,” said McBride.

3.

Choose between rates: The standard loan offers a fixed interest rate for 30 years. Adjustablerate mortgages (ARMs) offer a fixed rate for, typically, the first five or seven years; after that, the rates can rise every year. In exchange for accepting the risk that interest rates will rise, borrowers get a lower initial rate on ARMs. According to the Mortgage Bankers Association, ARMs make up

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

about 7 percent of the current market. But ARMs make sense only for people who know for sure that they’re going to be in the house for a limited time. “Forget about adjustable rates altogether unless you have sufficient financial stability that you could absorb a higher monthly payment if your timetable doesn’t pan out,” McBride said. “For example, you can take a seven-year adjustable rate mortgage and shave (0.75) percent off your rate. But you’ve got to be able to handle a higher monthly payment in Year 8 without financial distress.” Gumbinger agreed. He said that in any market, ARMs are probably right only for a small percentage of buyers. And in

the current interest rate environment, ARMs make even less sense: “There’s really only one direction interest rates are likely to go, and that’s up.”

4.

Decide length of loan: Fifteen-year loans are more popular with refinancing homeowners than they are with first-time home buyers because many buyers can’t afford the higher monthly payments. The reward for those higher payments is that over time, you’ll pay much less in interest by shortening the life of the loan. And 15-year mortgages come with lower rates. Sammy Thomas, a consultant living in Ridgewood, N.J., wasn’t looking for a 15-year mortgage when he decided to refinance as rates dipped last year. But with rates on 15-year mortgages then hovering around 3 percent, he decided that was the best deal. The

shorter loan also meant that he and his wife, Demi, a teacher, could live mortgage-free sooner. That was especially appealing as they plan for their retirement, said Thomas, 58. In fact, they hope to put extra money on the loan each month and have it paid off in 11 or 12 years. “It reduces a large risk,” Thomas said. “As you go into retirement, other things may arise, health issues and whatnot.” A homeowner with a $300,000 mortgage will pay $1,520 a month on a 30-year, 4.5 percent mortgage. A 15-year mortgage, at 3.75 percent, would run $2,182 a month. But over the life of the loans, the 15-year borrower would pay $92,700 in interest, while the 30-year borrower would pay $247,220 in interest. Even if you’re not sure you can afford the higher monthly

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payments that come with a 15year loan, you can shorten the life of a 30-year loan yourself by paying extra toward the principal each month, Gumbinger said.

5.

Lock in your rate: Once you’ve found a good rate, consider locking it in, which you can usually do for no cost, or for a fee that is refunded at closing. It’s not worth betting that rates will fall before you close on the house. “I rarely tell folks to try to time the bottom of the market,” Gumbinger said. “Mortgage rates almost always rise much more quickly than they fall.” “Don’t try to guess the way rates are moving,” McBride agreed. “I’m not a fan of people rolling the dice for something as significant as what their mortgage payment is.” Distributed by MCT Information Services

Explore all possibilities for mortgage relief By Gary M. SinGer Sun Sentinel

Q. I want to avoid foreclosure. I have applied for a loan modification with my bank and also applied for the Florida’s Hardest-Hit Fund Principal Reduction Program for relief. Now I am worried that I’ve hurt my chances for the loan modification. Did I mess up? – Jim A. Probably not. When trying to save your home, it’s important to explore every avenue of relief available to you. While some programs are to the exclusion of others, I see no issue with applying to your lender and to the various agencies that are there to help. But this advice comes with some warnings. Check that the program allows you to apply for other assistance. Don’t apply for the same assistance again until you get an official denial on your first application. Don’t be afraid to apply again

after you have been denied, as criteria change from time to time. Be wary of anyone trying to get money from you upfront, because there are plenty of predators looking to take advantage in your time of need. When dealing with a third-party agency, make sure that it’s sanctioned by your lender or the government program to which you are applying. Make sure to fill out your application completely and to respond to the numerous requests made quickly and completely. Have realistic expectations and expect realistic results. Most lenders do not offer principal reduction, but they will help you get to a payment you can afford. Most importantly, don’t give up. Keep trying even when the process becomes difficult and frustrating. It is no fun dealing with corporate policies and a bureaucratic maze, but for most people there is relief available.

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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 relation-

ship 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


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Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

3E

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MONROE & VIC

CHARMING COMMUTER’S PARADISE 4 bdrm, 2.5ba Meticulous Cape sits on .48 acres in the heart of the village! Renovated w/new floors, Custom Kitch cabinets,ss applc, furnace,C/A, Woodburning frplc! Walk to transportation,shopping & more! CALL ME TODAY Erika Genovese 845-544-3864 MAPLE KNOLLS RANCH 2/3bdrm 2ba cozy ranch on .68 priv acres in desirable MW Schools neighborhood boasts new Granite Kitch w/ custom cabinets, pergo floors, frplc, expansive deck,updated baths! CALL ME TODAY! Erika Genovese 845-5443864 COLONIAL ON 5.1 AC 2600 sf! Prestine Meticulously maintained elegant colonial priced at $434,900. Spacious and gracious floor plan! 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 MonroeWoodbury Schools. Close to NY Thruway. Call Debra Caprarola, 845234-3995.

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MONROE & VIC

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EXTRAORDINARILY DIFFERENT! Renovated barn into a unique farmhouse! 2/3 BR! Soaring ceilings & skylights! Mstr BR w/sparkling HW floors & tray ceilings! 2nd BR w/sitting rm & exposed beams! Eat-inkit & formal DR! 2nd level balcony overlooks LR w/built-in! Situated on beautiful country rd on 1.2 fabulous ac! Centrally located; minutes to shopping & public transp! Reasonable taxes! Pine Tree Elem! $249,900 RITA GEISSLER 783-RITA GOLDEN OLDIE! Clean as a whistle! Lovingly maintained! 3 bedrooms! Yesteryear charm with over-sized moldings! Sparkling HW floors in LR & DR + bedrooms too! Kitchen w/huge pantry! Roof, furnace = 4 years young! Wonderful rocking chair front porch! Nice flat treed yard & landscape! Village location! $225,000 RITA GEISSLER 783-RITA GREENS OF WOODBURY! 4200 sf! 6 BR, 4-1/2 bths! 2 story foyer & FR w/soaring ceilings! Bells & whistles galore! Glazed kit cabinetry w/granite! Breakfast bay w/ sliders to deck! Formal LR & DR! BR & full bth on main level! Mstr BR suite w/whirlpool! Finished bsmt w/ entertainment rm, gym, den & more! Professionally landscaping with inground pool! Municipal services! 3 car garage! Woodbury recreation = pond, pool & tennis! Centrally located; minutes to Woodbury Commons, NYS Thruway & Rte 6! $649,900 – JEN SHIPPEE 248-0400 or RITA GEISSLER 783-RITA YOU WON’T SEE YOUR NEIGHBORS... ......from this unique custom Lindal post & beam chalet on 1.2 woodsy ac. just min to town! Open floor plan w/two story stone fplc, walls of glass, loft master bdrm suite, 2 add’l bdrms, full fin walkout bsmt, 2 car gar PLUS heated saltwater pool w/’whirlpool & waterfall. Add’l land avail. A very sexy house @$389,900. DONNA GENOVESE, BKR, 845-988-1934 (res.).

GOSHEN & VIC

*HELLO GORGEOUS* IN SUNSET RIDGE on 1.2 serene acres, 5030 SF, 5/6 Bd, 3 Ba, Gleaming Oak Flrs, Stunning Gourmet Kit adjoins Great Fam. Rm w/Fpl & French Drs to Library* Xlrg Mstr Ste & Ba*SF incl. Fin.Bsmt w/Media &Game Rm*Salt Water IGP* Gas Heat*Close to Orange Reg. Hosp & Hwys *Goshen Schs $589,800. ROZ NOVICK 845-5375674 GOSHEN SCHOOLS! New Hampton area! Cheaper than renting! New kitchen & newish bath! Ceramic & HW floors! Mostly all new windows! Fenced backyard! Needs some TCL, but price reflects it! Well, septic & natural gas! Low taxes! $169,900 RITA GEISSLER, 783RITA LOWEST PRICE ON THE BLOCK! Owner’s have slashed the price of this unique Lindal post & beam contemp/ranch on 5 pristine acres w/a view to die for! Open & airy w/ vaulted ceilings & walls of glass, this home offers a 1st floor master suite, 2 add’l loft bdrms, 2.5 bths, Euro kit w/tons of built-ins, newer roof & HVAC & C/A, fplc, cent vac, 2 car gar. Surrounded by fine homes in prestigious Southgate! Just $314,900. DONNA GENOVESE, BKR, 845-988-1934 (res.).

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NEW ON THE MARKET! Cozy 3 bdrm cottage located in the Village. LR, Dining Area, Kitchen, Full bath, Ldry Rm, Front Deck, nice level lot, separate Bldg has A workshop w/plenty of storage! Dead End Street. Near Commuter Route+NYC Bus! $159,000 “Christman Team”845-477-8708 OLD WORLD CHARM! Four Bedroom Colonial w/stone front! LR w/ Beamed Ceil+Stone FP, New Eat in Kit, Bath w/shower, Plenty of Built ins! Nice Private Yard abuts State Parkland! Quiet Cul de sac! $179,000 “Christman Team” 845-477-8708

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CHARMING RANCH! This Two Bdrm Home is on over an Acre! Nice size rooms, Entry Foyer, LR, FDR, Galley Kit, two Baths! Deck, Basement! Tucked away! Private Setting! Hrdw Flrs! Enc.Porch! $155,000 “Christman Team” 845-477-8708 HOME WITH A VIEW! Lovely Updated Ranch offers a view of The Lake! Open Flr Plan, LR/ DR/Kit w/ Skylight+stone FP, FR w/WBS, 3 Bdrms, Two full baths, LDRY Rm, 2 car garage, Large Paver Patio, Shed+Detached Storage Bldg! $279,000 “Christman Team” 845-477-8708 TWO LAKEFRONT HOMES! Main house has 3 Bdrms, LR, New Kit, Full Bath, FR, Central Air, Lots of Updates!! Rental Cottage has one Bdrm, LR/Kit Combo, Full Bath, Nice Level Property w/Patio and dock On the Lake! Beautiful Views! $425,000 “Christman Team” 845-477-8708

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CORNWALL MINI ESTATE $439,000 An architectural 1800’s masterpiece! Detailed crown moldings throughout, curved Mahogany staircase, 3 fireplaces w/custom mantels, butlers pantry, high ceilings and wood floors throughout. Charm not found in today’s new homes. Judy New 551-3388 (cell).

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BEAUTIFUL COLONIAL! Mint cond! 3/4 BR’s, 2-1/2 bths! 2 story foyer! HW floors & ceramic! SS appliances! Breakfast area with sliders to deck! Kit w/French doors to formal DR! Bonus room over garage! Mstr BR suite w/whirlpool tub! 2nd lvl laundry! 1.5 ac! Wash’ville Sch! $329,900 RITA GEISSLER, 783-RITA

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RENTALS

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4E

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

Commercial & Industrial Property for Sale

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www.fairwaysorangecounty.com 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.

OCTOBER SALE

$19900 2BD, 1BA, 14x64, 2004 $61000 3BD, 1BA, 24x60, 2001 $55000 2BD,2BA 14x70 New! $85000 3BD,2BA 20x60 New!

845-496-1121 WASHINGTONVILLE

OPEN HOUSE

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

MIDDLETOWN

Town of Deerpark

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.

NEW CONSTRUCTION 1300 sqft ranch featuring central a/c, three bedrooms, two full bathrooms, formal dining room, kitchen and laundry room and beautiful hardwood floors throughout. Kitchen offers full appliance package and master bedroom complete with private master bath. Full basement and 10X20 back deck finish this amazing brand new home. House complete.

Now $199,900

Call (845)381-5777

Call 845-344-5174

www.RealtyPromotions.net

BLOOMINGBURG

2 Bedroom, 1 Bath

No Utilities Included. No Pets. $745mo + 1 Month and Sec. Please Call: 845-733-5792 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

Sunday 12-2pm

1 FREE MONTH RENT

Apartments

ALL AREAS Realtor Fee only $595

APARTMENTS 856 - 4400 $600-Port Jervis-Studio-Incl Heat/HW $700-Blmbrg-1BR-Main St-Renvd Nice $700-Ellnville-2BR -Apt on dead end st $745-Blmbrg-2BR-Cozy 1st Fl Apt-Nice $750- M-Town- Cute-1 BR Nice Kitchen $750-Matamoras-Mint-1BR-2ndfl-Pkng $775-Pnd Eddy-Executive-studio w gar $800-Pt Jrvs-2BR-2story dplx-Very nice $800-Blmbrg-1BR-Btiful 1st fl -big yd $850-Sprw Bush-Btiful 2BR-1st Fl-cntry $850-Port Jervis-Lg 1BR-HW Fl-Inc Elec $850-Mtamoras- Lrg 1BR-All utils Incd $850-Mtown-Mint-Huge-1BR-Like New $850-Huguenot-2BR-2nd Fl-yrd-Carport $875-Mtown-2BR-1stFl-Inc Ht-WD-HU $892-Prt Jrvis- 3BR-West End-NR Park $900-Pt Jrvs-Mint-Big 2BR-1st w/d hu $900-Mtmoras-2BR- 2Flr Apt-Very Nice $900-Port Jervis-2BR- Quiet-Inc Ht HW $900-Nbgh-115 Lbty St 2br-Inc ht/hw $950-Huguent- 3BR-1st Flr-Porch Crprt $1000-Mtmrs-Mint 2BR-Awsm-w/d hu $1000-Bulvll-PB Schl-2BR-Inc ht-1st Flr $1200-Eldred-3BR-2Ba- Dplx-Inc all util $1300-TN Goshen- 2BR-Inc all util C/A Go to or angewestrealty.com Orange-West Realty 856-4400

To Advertise on this page contact

Jen Olsen 845-341-1100 ext. 3600

Rates As Low As

$59

Sara Construction

Apartments

CALLICOON, SULLIVAN CNTY Brand New and Pre-Owned 2 & 3BD, 1 & 3BR LUXURY APTS double wides and single wides. Mint Zip 12723 On mountain side overlookcondition. Priced to sell! ing 30 mis. Near Villa Roma Resort. Brookside Acres, Route 94 Master br /jacuzzi /priv deck /ba /fireplace /lrgdeck, d/w, w/d hook845-496-1121 up & more. SL W. School Dist. start ing @ $695/mo+util.sm Pets WURTSBORO ok No smoker 800-926-2459 2 BD, 2 BA Spacious Floorplan, Cov. Deck, Corner Lot in Big Valley Est. CHESTER overlooking Bashakill.$3,400 Down & QUIET COMPLEX $335/Mo. Bank Pay 888-4600

HOMES

135 GOLF LINKS ROAD MIDDLETOWN, NY 10940

(845) 374-0063

WASHINGTONVILLE

F atured

Call 845-341-1100 ext. 3600

Outskirts $650k

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

Manufactured Homes for Sale

Just off Exit 126, Rt 17. Prvt entrance. Laundry & private storage unit on premises. Studio $925/mo incld utils. 1BR $1,110/mo. plus util. No dogs. Call 845-639-6612 CHESTER VICINITY STUDIO $700/month 1 BEDROOM $990/ month In Quiet Area. Utilities Included. Ref’s & Security. Call 845-248-0111 CHESTER/WARWICK AREA MODERN NEW 1 BDRM

ALL UTILITES INCL

All stainless steel, cathedral ceilings, deck, attic, walk-in closet. Ideal for professionals. Pets welcome. $1650/mo. Call Justin at: 845-772-3017

CIRCLEVILLE

Beautiful 2BD Apt Pergo throughout. $850/month incl heat, HW and cooking gas. Call 845-590-4141 CORNWALL/SALISBURY MILLS COUNTRY ESTATE 1 BR , LR, full bath, EIK. Beautiful grounds, heat/hot water/snow plowing included. Near train station. $975/mo. Ref’s. No smokers. Cat ok. 845-496-7602 10a to 9p for appt. FLORIDA WELCOME HOME! Sunny Spacious Modern Studio. LG Deck. $795 Inc. Utilities. Ref & Sec. Call 732-548-8611 jporpora@aol.com

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 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

GOSHEN

GOSHEN GARDENS

Beautiful 2BD apt with hrdwd floors throughout. Downstairs walk-in apt. Off street parking. $1,050/mo. inc ht/hw. Excellent refs required.

Call 845-590-4141 or 845-692-2121


www.recordonline.com

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

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

5E

"     

      

 

!

  

  

  

2 Bedroom 1 1/2 bath Townhouse in the Ellen Ridge Complex. Well maintained with new range and refrigerator, laundry in lower level. A heated multi-use room in basement w/ good storage space. Sliders from dining room to rear deck. 1 car garage, Move in Condition. Maintenance fees include lawn care,snow plowing & shoveling, rubbish removal.

1 Bedroom ground oor Condo @ Davos. Ceramic tile Kitchen and bath. All applicances included . Walk in closet and linen closet, Condo fees takes care of snow plowing, lawn maintenance and rubbish removal. Cozy but not cramped, cute.

Renovated and charming one story with character of a craftsman style interior. 2 bedrooms 1 bath , heated enclosed front porch, formal dining room w/ built-ins that separate it from the living rooms. New electric, windows, well pump. Neat as a pin. Covered patio overlooking manicured perennial garden. Quiet dead end street. Must see!

1997 Double wide on block foundation. 3 Bedrooms 2 baths, family room with stone ďŹ replace. Master bedroom w/ walk in closet and garden tub in Bath. Living room and dining room. Wrap around deck. Landscaped corner lot with 1 car garage. Maintained and awaiting new owner.

2 Story Duplex. Each w/ 2 bedrooms and 1 bath. All separate utilities and mechanicals. A detached garage provides for storage for each side as well. One side has original built-ins and woodworking, other side has had a face lift w/ new kitchen, ooring and sheet rock. Each has front porch, side deck & separate driveways. Low taxes.

CALL IRVIN NEWMARK 845-866-1077

CALL IRVIN NEWMARK 845-866-1077

CALL FRANCES WOLFE 845-389-0829

CALL LORI CHAPMAN 845-728-9047

CALL LORI CHAPMAN 845-728-9047

  

!

  

  



In the Rondout Reservoir area, privately set, can’t be seen from road, is this 2007 built 3 bedroom 2 bath Contemporary ranch. Kitchen with breakfast bar, living room w/ gas ďŹ replace and Dining room w/ sliders to rear large rear deck, form the great room. Master bedroom w/ large master bath. Walk out full basement.

Stone faced cape with 4 bedrooms 1 bath. Large stone ďŹ replace in living room. Renovated eat in kitchen. Master bedroom on ďŹ rst oor. Sliders to rear deck. Garage w/ vinyl siding and electric. Rural setting on 1.23 acres.

Here’s something different. Once a one room school house, then a house of worship, no electric or heat. Drilled well, w/ municipal water and sewer available. Metal roof. Bordering the Sandberg creek. Still just one room, be inventive.

2 Houses for the price of one. Nice, comfortable 2 bedroom ranch. Ceramic tiled kitchen and bath, gleaming hardwood oor in living room w/ brick ďŹ replace to use w/ gas insert. 2nd Cute cottage, 1 bedroom 1 bath. Wooded natural landscaping.

L Shaped ranch w/ 2nd story addition. Must see to appreciate the interior lay out. spacious rooms, shiny hardwood oors. Brick ďŹ replace graces the living room, formal dining room. 3 Bedrooms 2 1/2 baths, one w/ tub on legs. Large master bedroom on level w/ living room. Detached garage, motivated seller.

CALL GAIL VESELY

CALL IRVIN NEWMARK 845-866-1077

CALL IRVIN NEWMARK 845-866-1077

CALL GAIL VESELY

CALL IRVIN NEWMARK 845-866-1077

  

  



Large classic colonial with wrap around front porch, built in 1862, 6 bedrooms, 1 1/2 baths. It needs some work, but not over whelming. Eat in kitchen, large living room with ďŹ replace and woodstove insert. There is a large woodworking shop attached, and storage room. Corner lot in hamlet. .25 acre.

One room cottage w/ full basement and forced air heat. No septic. There is electric and a well. Enclosed rear porch. Tucked in off the road, among the trees on the 4.1 acres. This adjoins a large vacant piece of property also for sale, Ideal for hunting camp.

Stunning 50 ft waterfall and stream entice the nature lover, This A frame is off the grid. no water, septic or electric. Fully furnished, generator and tools included. Kitchen, living room and bedroom plus a loft style bedroom w/ deck. Shed. Peaceful. 3.4 acres.

Early 1800’s farmhouse. Sits far back off the road, with a private pond, attached milk house, guest house and small barn. 4 Bedrooms, 1 bath. Pretty stone walls, 2205 feet of road frontage, w/ NYC watershed lands on one side and across the road. buildings need work, but the land is soooo worth it. 66.2 Acres Very motivated sellers, must see!

CALL FRANCES WOLFE 845-389-0829

CALL LORI CHAPMAN 845-728-9047

CALL LORI CHAPMAN 845-728-9047

CALL GAIL VESELY

  

845-901-4553

 

  

 

 

  

 





 





845-901-4553

 

  

845-901-4553

 





 

 

DAIRYLAND $375,000 1/3 meadows 2/3 woods 95.1 Acres ELLENVILLE $395,000 Commercial on busy Route 209, 4.0 Acres NAPANOCH $450,000 Comm. Corner, rt 209 & Rt 55, 2.25 Acres ULSTER HEIGHTS $240,000 1300’ rd frt on 2 sides of rd., 78.5 Acres OAK RIDGE $169,000 Wooded rural w/ 1003’ rd frt, 47.57 Acres ULSTER HTS $159,000 Lake front wooded & meadow, 48.10 Acres CRAGSMOOR $129,000 Spectacular view to High Pt, NJ, 11.20 Acres GREENFIELD PK $119,000 Rd frt on 2 roads level,well, 42.10 Acres NAPANOCH $110,000 ATV trails, great hunting property, 55.10 Acres WAWARSING $99,000 Borders Minnewaska hunting land, 19.8 Acres $99,000 BRIGGS HWY $89,000 Jeep trails, well & septics wooded, 29.5 Acres

GAIL M. VESELY, LICENSED REAL ESTATE BROKER 845-647-8020 • CELL: 845-901-4553 E-MAIL: GAILMV1954@AOL.COM 28 N. MAIN STREET (RTE. 209), ELLENVILLE, NY • WWW.LUCILLEHANDREALTOR.COM


6E

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

Recent sales

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

HudsonValley.com HOMES

www.recordonline.com

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

BLOOMING GROVE $353,500; Roseanne Lane, 4 BR/2 BA colonial, 2400 sf, 1.1 ac, blt 1990, LA: ARC Realty #1 in Sales, Monroe/SA: RE/MAX Benchmark Realty Group, Central Valley

HAVERSTRAW $1,872,000; Country Club, 1 BR/1.2 BA condo, 1075 sf, blt 1986, LA: ARC Realty #1 in Sales, Monroe/SA: Better Homes and Gardens Rand Realty, New City

MIDDLETOWN $124,000; Sycamore Drive, 2 BR/1 BA condo, 950 sf, blt 1977, LA: John J. Lease Realtors, Middletown/ SA: John J. Lease Realtors, Middletown

MONROE $240,000; Circle Drive, 4 BR/2 BA ranch, 1700 sf, 2 ac, blt 1961, LA: Weichert, Realtors, Monroe/SA: ERA Curasi Realty, Montgomery

NEWBURGH $179,000; Englebride Place, 3 BR/2 BA split-level, 1606 sf, blt 1958, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Better Homes and Gardens Rand Realty, New Windsor

BULLVILLE $300,000; Robin Drive, 4 BR/2.1 BA colonial, 2471 sf, 1.3 ac, blt 2003, LA: John J. Lease Realtors, Newburgh/ SA: John J. Lease Realtors, Middletown

HIGHLAND MILLS $355,350; Pheasant Run, 4 BR/4 BA contemporary, 2980 sf, 1 ac, blt 2001, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

MONGAUP VALLEY $195,000; Plank Road, 3 BR/2.1 BA contemporary, 1536 sf, 5.1 ac, blt 2011, LA: McKean Real Estate Inc., White Lake/SA: Keller Williams Realty, Goshen

MONROE $135,000; Poplar Trail, 3 BR/2 BA ranch, 1105 sf, blt 1960, LA: Keller Williams Realty, Highland Mills/ SA: Monroe Realty Center, Monroe

NEWBURGH $195,800; Susan Drive, 3 BR/2.1 BA split-level, 2314 sf, blt 1967, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Easy Lifestyle Real Estate, New Windsor

CORNWALL-ON-HUDSON $295,000; Maple Avenue, 8 BR/4 BA multifamily, 3221 sf, blt 1970, LA: John J. Lease Realtors, Newburgh/SA: Smitchger Realty, Cornwall

LIBERTY $95,700; Wawanda Avenue, 4 BR/2.1 BA raised ranch, 2123 sf, blt 1915, LA: Prudential Peters Realty, Monticello/ SA: Prudential Peters Realty, Monticello

MONROE $215,000; Arlin Road, 2 BR/2 BA condo, blt 1988, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/SA: Keller Williams Realty, Central Valley

MONTICELLO $125,000; Broadway, 3 BR/2.1 BA Victorian, 2653 sf, blt 1908, LA: Prudential Peters Realty, Monticello/SA: Keller Williams Hudson Valley Realty, Rock Hill

NEW WINDSOR $50,000; Coffey Avenue, 4 BR/1 BA Cape Cod, 1104 sf, blt 1778, LA: John J. Lease Realtors, Newburgh/SA: Better Homes and Gardens Rand Realty, New Windsor

ATTENTION REALTORS:

GOSHEN $238,500; Knapp Terrace, 3 BR/1.1 BA split-level, 1416 sf, blt 1961, LA: Griffith Realtors, Goshen/SA: Griffith Realtors, Goshen

MIDDLETOWN $237,000; Bisch Road, 3 BR/3 BA bi-level/high ranch, 2340 sf, 2.8 ac, blt 1990, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Keller Williams Hudson Valley Realty, Middletown

MONROE $427,500; Cedar Cliff Road, 4 BR/2.1 BA colonial, 3000 sf, 2 ac, blt 2001, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Weichert Realtors, Monroe

NEWBURGH $75,000; Carson Avenue, 4 BR/1.1 BA Victorian, 1794 sf, blt 1915, LA: Keller Williams Realty, Highland Mills/SA: Better Homes and Gardens Rand Realty, Central Valley

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 20, 2013 ∂ 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.

PORT JERVIS $212,000; Fort Van Tyle Road, 3 BR/2.1 BA ranch, 1815 sf, 6 ac, blt 1973, LA: Keller Williams Realty, Highland Mills/SA: Keller Williams Realty, Highland Mills

VALLEY COTTAGE $380,000; Edsam Road, 3 BR/2.1 BA colonial, 2408 sf, blt 2008, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Better Homes and Gardens Rand Realty, New City

WARWICK $379,000; Blackrock Road, 4 BR/2 BA Cape Cod, 2471 sf, 2 ac, blt 1968, LA: Joseph Green Realtor, Goshen/SA: Better Homes and Gardens Rand Realty, Warwick

WARWICK $215,000; Linden Place, 4 BR/1.1 BA colonial, 1944 sf, blt 1928, LA: Regal Homes & Properties, LLC, Warwick/SA: Regal Homes & Properties, LLC, Warwick

WESTTOWN $279,900; Whitford Road, 3 BR/3 BA bi-level, 2150 sf, 1.95 ac, blt 2013, LA: ERA Curasi Realty, Montgomery/SA: Linda Czubak Realty, Warwick

PORT JERVIS $210,000; Greenville Turnpike, 3 BR/2.1 BA ranch, 1992 sf, 1.95 ac, blt 2000, LA: Weichert, Realtors, Monroe/ SA: Real Estate Solutions RJ Smith Realty, Pine Bush

WALDEN $234,500; Borden Road, 4 BR/2.1 BA colonial, 2100 sf, 1.5 ac, blt 1984, LA: Century21 E&M Williams Realty, Walden/Montgomery/ SA: Lucille Hand Real Estate, Ellenville

WARWICK $460,000; Eagle Crest Way, 5 BR/2.1 BA colonial, 2850 sf, 1.17 ac, blt 2013, LA: Better Homes and Gardens Rand Realty, Monroe/ Woodbury/SA: Regal Homes & Properties, LLC, Warwick

WARWICK $325,000; Little Brooklyn Road, 4 BR/3 BA colonial, 2056 sf, 7.7 ac, blt 2005, LA: Rita Levine Real Estate, Wallkill/SA: John J. Lease Realtors, Middletown

WOODBURY $350,000; Woodbury Road, 4 BR/2.1 BA colonial, 2656 sf, 1 ac, blt 2000, LA: ARC Realty #1 in Sales, Monroe/SA: Keller Williams Hudson Valley, Middletown

Local loan rates Local Banks

Annual percentage yields

Home loans

New car loans Used car loans Money Certificate of deposit market 6 mo. 12 mo. 36 mo. 48 mo. 60 mo. 36 mo. 48 mo. Equity

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

Rates charged

.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

5.75

N/A 10.00

6.25

N/A

5.25 5.325 5.250 5.375 ~4.625 8.75

7.25

N/A

N/A 5.625

.50

.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

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

O&R EFCU

Annual percentage yields

Home loans Unsecured New car loans Used car loans Money Certificate of deposit Improve- personal loans market 6 mo. 12 mo. 36 mo. 48 mo. 60 mo. 36 mo. 48 mo. Equity ment

.35@

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@

Palisades FCU

0.30@

TEG FCU

.25-.35

.4

.150

.351

.15

.35

US Alliance FCU Wallkill Valley Fed. S&L

Rates charged

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 10/18/13.


8E

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD Apartments

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

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

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.

Highland Mills BRIGHT SUNNY, COZY ON ROUTE 32 Great Schools Downtown Full Kitchen Heat, water, electric included excellent (845) 343-2221 516 Route 32 Everything included, cozy, sunny, studio, close to Woodbury www.aptHP.com Commons and bus line, downtown Highland Mills, great for one person, no pets November No 850.00 Month MIDDLETOWN ALL UTILITIES INCLUDED David 845-222-6034.

Ellenville 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 CERTIFI- MARLBORO CATE for NEW FURNITURE! 1 ROOM STUDIO Newly Renovated 2 BR 1.5 $195/wk. or $700/mo plus sec. kit & bath. Pvt entrance, country bath apartments with oak Full setting. Ground flr accommodations. kitchens, new appliances, ceINCLUDES UTILITIES Call 845-236-7422 ramic tile and wall to wall carpeting available now! MARLBORO On site parking and laundry. 3 BEDROOM APARTMENT 2 Bath in Private Home Private country setting with Heat & Hot Water Included pond. Must qualify and $1,500 per Mon + Security move in by 11/15. Close PLEASE CALL: 845-549-0208 to Rt. 17 and Rt. 52. Easy MARLBORO COUNTRY SETTING commute to Middletown, SPACIOUS Monticello and Kingston. 1 bedroom with open floor plan $825 plus utilities. No ground floor apt. $895/mo with washer/dryer. Includes heat, electric, Pets. (718) 358-7200. garbage pickup. No dogs & GOSHEN/Goshen Schools

Carriage Hill Apartments Welcome Home! First Month Rent Free

No smoking. Security. Yrs lease. 845-795-5778 or 845-489-5331 Maybrook 1BR: $750 Or $650 if Rent is paid before the 1st of any Month. On 3rd floor; Plenty of Kitchen counterspace; has a dishwasher. Utilities are all electric. One Month’s Security and One Month’s Rent to move in. Call 845-418-5799

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 MIDDLETOWN 17/84/87. Pet Friendly! 1 Bdrm Studio Apt. Short Term Leases Available In Quiet Country Setting. Backyard. All Utilities Included. No pets. Security & www.bottiniproperties.com References. $775 per month. Call 845-551-5749 GOSHEN MIDDLETOWN LARGE 1 BEDROOM 1BR APT ~ MONHAGEN AVE. EIK, LR, Bath, Laundry Room, In beautiful old Victorian home. EIK, 2 Mins to Rt 17, newly remodeled, w/w carpet, prvt $1,100 Per Month All Utils Included parking, prvt ent. Sec & Ref’s Needed AVAILABLE IMMEDIATELY AVAILABLE DECEMBER 1ST One month security ($500) 845-291-1948 required + 1st & last mo $750/MO PLUS UTILITIES PLEASE CALL 914-443-5724 GOSHEN NEW KITCHENS, NEW BATHS MIDDLETOWN NEW BRIARWOOD APTS Raised maple panel cabinetry, Moen 2 Bedroom Apts hi arc faucet, Harbor Breeze 52" Best Location! Highland Park Mgmt. ceiling fans, laminate granite Starts at $1080 & up - Includes heat, cntertp, simulated oak flring, DW, hot water, a/c, dishwasher, w/d. over the range Whirlpool microCall 845-978-5493. wave. And that’s just the EIK. Area best Goshen schools. Next to beauti(Must fill out credit app.) ful Salesian Park.1-2BR & spacious 1BR+ den/office/BR MIDDLETOWN BRIARWOOD HOUSE APTS 2 Bedrooms 18 Craigville Rd⁄ 914-450-4496 washer/dryer, dishwasher, new wood www.briarwoodhouseapt.com floors. Available Nov. 1st. No pets. $1150/mo. Goshen/Washingtonville SECURITY & REFERENCES. 914-391-5428 1 BDRM APT

Country Manor

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 Beautiful studio apt. Located on West Main St. Newly renov with new bath, and new flooring. Inc ht/hw & cooking gas. $500/mo excellent refs req.. 845-590-4141 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

MIDDLETOWN Washer/dryer avail. New carpet. Heat 30 SPRING ST & electric included. References re3 BDRMS quired. No pets. $695/mo. plus $1300. Finished attic, stackable w/d security hookup, dishwasher, front & back Please Call 845-636-0830 porch, parking in rear. 845-800-1371 HARRIMAN 914-409-3497, 914-409-3606 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

MIDDLETOWN

SPACIOUS 2 BEDROOM APARTMENT ON 1ST FLOOR

near OCCC. $995/mo plus utilities. Lease, security & NO PETS AVAILABLE IMMEDIATELY. 845-551-1001

MIDDLETOWN Towne Terrace Apts

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

845-343-3189 MONROE

1&2 BR Apts From $1149

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

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

1 BEDROOM $1,015 Plus Utilities

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

Heat & Hot Water Incl.

www.aptHP.com MIDDLETOWN Mount Hope. Minisink Schools, Nice house, Private setting, 4 Bedrooms, 3 Baths, Plus studio. $1,700 per month Plus 1.5 Month’s security. Call 845-283-9394 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/SCOTCHTOWN

1 bdrm apt All utilities included

Very peaceful area Freshly painted, Non-smoker & No pets. $760. Call 845-692-4054 MIDDLETOWN/Scotchtown COUNTRY SQUIRE APTS 1BD Apt, lg spacious living rm, dining rm and bedroom area. Brand New renov’d kit & bath Pets ok. 845-590-4141 or 845-692-2122

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 and HOT WATER

www.recordonline.com Apartments NEWBURGH -Town of 1 Bedroom with new windows & flooring on 2 acres!lovely large country Kitchen,sunny LV, large stone front porch $840.00 plus utlities ’ 845-564-1824 or 845-464-8318 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. $925 + Utilities, Sec & Ref’s No Pets Avail. Immediately -11/1 Please Call: 845-541-4534

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

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

845-794-6660 MONTICELLO Welcome to.... the best kept secret

Colonial Hill Apartments 1 & 2 Bdrm units Free H/HW & Cooking Gas Call now for move in specials

845-794-6660

Apartments

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

∂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

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

NEWBURGH

NEW WINDSOR

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

www.towermgt.com (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 NEWBURGH, CITY

3 Bedrooms

Liberty/Washington St. $975/mo. + util. Freshly painted, 3rd floor. DSS ok. Security. References Required. Call 845-821-5327

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 NEW WINDSOR

1 BDRM APT

$775 per Month Heat & Hot Water Included Close to Shopping, No Pets. 1 Month Rent & 1 mo Sec. Required Please Call: 845-928-2461 NEW WINDSOR

1 BEDROOM APARTMENT $835 Per Month Includes Heat & Hot Water 700 Sq Feet - No Pets/No Smokers 1 Month Security & Ref’s PLEASE CALL: 845-624-2191

NEW WINDSOR

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

WALDEN

BEAUTIFUL 1BR APT

Heat, H/W & Garbage P/U W/large 2 room finished attic. Offst parking, A/C. 1½ mo sec plus references required. $1,000 per month. Call 845-778-2633 lv msg WALDEN

Beautiful 2BR Apt

2 parking spaces, natural gas. $1,000 per month plus utilities. Please Call 201-923-9199

LARGE 1 BEDROOM EFFICIENCY

PINE BUSH

LARGE 1 BDRM APT $650 WALDEN

2/3 bdrm apt. $900/mo.

S ecurity req’d. 845-468-5846

Beautifully upgraded with new: Kitchen PORT JERVIS Baths Carpeting, Pool & play area. 2 BEDROOM Heat & hw incl.

An Equal Housing Opportunity

Apartments

WALDEN

NEWBURGH, TOWN OF

3 BEDROOM

MONTGOMERY

MIDDLETOWN Pool, on-site laundry, Easy Commute, Close to Shopping.

Apartments

1 Bed Condos

Please call for Rental Info 845-343-0300

Call 845-294-9524

1st month rent $400

Apartments

Apartments

All Utilities Included, Off Street Parking, Walk to Town. $750 Per Month No Pets Month and 1/2 Security Call: 778-1783 628-7716 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

APARTMENT Walker Valley, 2 bdrm trailer, $1000/mo + utils. 153 BALL STREET Pine Bush area, lg 1 bdrm $900/mo; C i r c l e v i l l e , ON THE 1st FLOOR No utils included Avail now $675 + Utilities $1000/mo. 845-361-4997 for info (small animals only) WALKILL CALL: 516-661-1133 1 BEDROOM APARTMENT

AVAILABLE NOV 1ST $775 Per Month + Sec LARGE 1 BEDROOM APT . Not Pets, LG Walkin Closet, EIK, Newly Renovated, Nice Deck Small yard, off-street parking, private and Back Yard. entrance, w/d hook-up. $700/mo plus utils. 1 mo’ rent & 1 mo’s sec. PLEASE CALL: 845-264-4417 No pets. WALLKILL, HAMLET Call 845-733-6719 PORT JERVIS

PORT JERVIS

NICE 1 BEDROOM APARTMENT

BEAUTIFUL 1 BEDROOM STUDIO APT. ûUtilities & Cable TV Includedû Private Entrance & Deck. No pets.

$750 PER MONTH On Second Floor. Good Location, Very PLEASE CALL: 845-895-8574 Clean & Freshly Painted. No Dogs. $700 Per Month + Utilities WALLKILL, HAMLET OF Sec & Ref’s Required CALL: 570-491-4472 Charming Quiet Garden Apts FOR MORE INFO EIK, Washer/dryer on site, lease & security. Sorry no pets. STUDIO AND 1BEDROOM PORT JERVIS $750 PER MONTH TUDOR GARDEN APTS 201-953-5684 or 845-895-2791 1 & 2 Bedrooms From $765 per month Heat & H/W Included WARWICK Call 845-856-3398 ROCK HILL 1 &2 BEDROOM APARTMENTS New floors & paint. Includes heat/hot water/electric/gas/garbage. Washer/dryer hook-up. 1 Bedroom-$700.00 2 bedroom-$950.00 rCall 845-794-0700 q Scotchtown - Goshen Schools

Cambridge Manor Super Special

NEWBURGH CITY Lg, Beautiful 1BR, 2 Lg Walk In ClosBRAND NEW 2-3 BR APTS ets, Private entry, newly renov with TOTALLY RENOVATED new kit, Exc cond Heat/HW, incl. For rent located couple blocks from NEWBURGH, CITY OF Call 845-590-4141, 692-2121 GRAND STREET waterfront, St. Luke’s hospital & Mt. St. Mary College. New laminate flrs, û 2 BEDROOMS APT û SHAWANGUNK, TOWN OF elect, plumbing, windows. NEW WINDSOR ALL UTIL’S INCLUDED!!! WALLKILL, TOWN OF RENT RANGES FROM Hudson River View! Near waterfront & $850 - $1000 Neg. 3 BEDROOM restaurants. New kitchen, marble Contact Brendan: 845-787-2193 Second Floor Walkup, LG Eat in Kitchflooring & balcony. en, Living Room & Dining Room. - Call 845-554-9448 NEWBURGH, City of A caring community with 24 hour NO PETS emergency maintenance. Largest 1&2 $1,100 Per Month + Utilities 2 FAMILY HOME NEWBURGH, Tn br with beautiful wood decks & play First & Last Mon. Rent Needed 1 BEDROOM APT Newb Heights area. Heat and h/w included. No pets. PLEASE CALL: 845-741-7987 Heat/HW Incl. $850/mo. 2 Bedroom Apt. $850/mo. 845.561.1180 Please visit us on the 2 BEDROOM APT 3 Bedroom Apt $975/mo. web : southgatevillageapts.com Utilities Incl. $1,200/mo. Parking Included our classifieds help bring CORNWALL Utilties Not Included. Sell your home. readers to your door 2 BEDROOM APT Call 845-238-6631 $1,100/mo + utilities E-mail Security Deposit, References. No Pets realestate@th-record.com Classifieds Get Results! Rent your home. Call 845-341-1100 ext. 3600 Call 845-905-2519

Make Your Home at

SOUTHGATE VILLAGE

Selling Your Home?

Times Herald-Record

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 CENTER OF TOWN Walking distance to shopping, schools, etc. 1 BDRM Apt. $950/mo plus util. 2 BDRM Apt. $1050/mo plus util. Security deposit/references. No pets. Please contact Filippo or Joe: 845-496-2664 or 496-6292 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


www.recordonline.com

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

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

9E

All Full Time REALTORS® At Your Service

Find your home in the Hudson Valley

New Windsor $269,900 Butterhill ML# 548405 COLONIAL 4BR 2 ½ BA 2025SF 2 CAR GARAGE RENOVATED 2013 Linda Chevallier Direct: 845.863.3412

Blooming Grove $389,000 Monroe-Woodbury Schools ML# 551069 COLONIAL 4BR 2 ½ BA 2684SF 2 CAR GARAGE BUILT 2003 Rich Froehlich Direct: 845.774.6397

Washingtonville $325,000 In-Law Suite ML# 551800 COLONIAL 4/5BR 2 ½ BA 1776SF 1 CAR GARAGE RENOVATED 2012 Frank Gerbes Office: 845.565.0004 x346

Town of Newburgh $258,500 Wallkill Schools ML# 551880 CAPECOD 4BR 2BA 2106SF 1 CAR GARAGE BUILT 1987 Gina DeCerbo Direct: 914.213.3363

Blooming Grove $285,000 Washingtonville Schools ML# 548355 HIGH RANCH 4/5BR 2BA 1716SF 1 CAR GARAGE RENOVATED 2010 Donna Brunell Direct: 845.527.7779

Middletown $165,000 Minisink Valley Schools ML# 537441 CAPECOD 3BR 1BA 1092SF 1.1 ACRE RENOVATED 2009 Janet Delgado Direct: 845.629.0841

New Windsor $225,000 Beaver Dam Lake ML# 544235 CAPECOD 2/3BR 1BA 720SF 2 CAR GARAGE RENOVATED 2004 Kathleen Carhart Office: 845.565.0004 x343

Cornwall $249,900 Fenced In Yard ML# 548929 SPLIT LEVEL 3BR 1 ½ BA 1764SF 1 CAR GARAGE BUILT 1963 Kathleen Milich Direct: 845.527.0830

Wallkill $259,900 Impeccable Landscaping ML# 549967 HIGH RANCH 3BR 2 ½ BA 2192SF 1 CAR GARAGE BUILT 2002 Daniel B Clarino Office: 845.565.0004 x305

Mt. Hope $239,000 Hidden Valley ML# 545689 RAISED RANCH 4BR 2 ½ BA 2384SF 2 CAR GARAGE RENOVATED 2008 Janet Delgado Direct: 845.629.0841

New Windsor $245,000 Patriot Ridge ML# 551201 CONDOMINIUM 2BR 2.1BA 1485SF 1 CAR GARAGE BUILT 2004 Suzanne Sweeney Direct: 914.213.3149

Cornwall $349,900 3 Season Enclosed Porch ML# 547369 COLONIAL 4BR 2 ½ BA 2160SF 2 CAR GARAGE BUILT 1996 Hannelore Conlee Direct: 845.551.8701

Bloomingburg $149,900 Pine Bush Schools ML# 552969 COTTAGE 3BR 1BA 1128SF 1 CAR GARAGE BUILT 1730 Asa Lennon Direct: 845-978-8560

Middletown $74,900 Minisink Valley Schools ML# 541840 RANCH 2BR 1BA 612SF RENOVATED 2006 Asa Lennon Direct: 845.978.8650

Goshen $399,900 Goshen Meadows ML# 512619 COLONIAL 4BR 3 ½ BA 3513SF

Goshen $399,900 Goshen Meadows ML# 547232 COLONIAL 5BR 4BA 3150SF

Town of Newburgh $474,900 1.1 Acre Property ML# 550777 COLONIAL 5BR 2 ½ BA 4079SF 2 CAR GARAGE BUILT 2002 Kathleen Milich Direct: 845.527.0830

Highland Mills $499,900 Apple Hill Estates ML# 547438 COLONIAL 4/5BR 4BA 3150SF

2 CAR GARAGE NEW CONSTRUCTION

Tanya Makan Direct: 845.742.8391

2 CAR GARAGE NEW CONSTRUCTION

Tanya Makan Direct: 845.742.8391

2 CAR GARAGE NEW CONSTRUCTION

Tanya Makan Direct: 845.742.8391

www.Facebook.com/ REMAX Benchmark 3 convenient locations

NEW WINDSOR 100 Commerce Dr Ste 107 New Windsor, NY 12553 Office: (845) 565-0004

MIDDLETOWN 626 E Main Street Middletown, NY 10940 Office: (845) 341-0004

CENTRAL VALLEY 219 Route 32 Ste 202 Central Valley, NY 10917 Office: (845) 783-0004

r e m a x- b e n c h m a r k- n y. c o m


Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD Apartments

WOODRIDGE

Furnished Apartments MONTICELLO

Great Place to call home Winwood Condos for Rent Quiet Comfortable Living Belle Harbour Apartments LUXURY 1 & 2 Large Bedrooms. Bal1 & 2 Bdrm units Free Heat & Hot Water

845-794-6660 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

WURTSBORO/SUMMITVILLE

VERY LARGE 2 BEDROOM APT LR, Kitchen And 1 Full Bathroom In NEWER HOME Large Private Yard and Bsmt Storage HEAT AND ELECTRIC INCLUDED $900 Per Month - Excellent References, Lease & Security Required 845-791-8808 or 516-984-8852

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

cony, 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 PLATTEKILL

1 Bedroom Apt.

Freshly painted. Carpeting $625 per month + 1.5 mo sec. Plus Utilities. No Smoking, No Pets. Offstreet parking, Quiet location. 845-564-3828

Commercial & Industrial Property for Rent CHESTER

1600 SQ. FT. PRIME LOCATION

Ideal for office/retail/salon etc. Great visibility. 845-857-9108 GOSHEN Ideal location for your office or business needs. Office suites catered to your needs. Close to all major highways. Call 845-283-3623 GOSHEN/MIDDLETOWN LOC.

WORKSHOP WAREHOUSE

our classifieds help bring readers to your door

Outside storage, 1250 to 5000 sqft. with 16 x 16 garage door. 20 Plus ceilings and radiant heat. Perfect for contractors. 914-447-4110 or 845-986-1366

Classifieds Get Results!

Advertise in the Times Herald-Record

Selling Your Home? Times Herald-Record

Sell your home.

Commercial & Industrial Property for Rent GOSHEN/MIDDLETOWN Offices Individual or Multi From -100 sq ft - 2000 sq ft Retail From - 1500 sq ft - 3000 sq ft Also Available for Lease Day Spa/Medi Spa/Medical Call Gina Marchese ALL PHASES REALTY 845-548-9825 GOSHEN Prime Location, Off street prkg. Office $350 mo incl utils. Month to month lease Avail. 845-551-5541Call day/eve

TO PLACE YOUR AD CALL 845-341-1100, option 5 Garage & Storage Rentals MIDDLETOWN 2 CAR GARAGE FOR RENT

In quiet safe area

No Commercial, Storage ONLY. $200 & $250 /month. 845-239-2415 845-343-0494

Homes for Rent 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

MIDDLETOWN 764 Sq Ft garage, on Sproat Street, CHESTER next apt complex. Set up for elec but renters responsibilty to hook up to pole. Under 24hr secuirty surveillance. $750/mo plus utils. $500/mo or will divide in half for 1 Month Security. $250/mo each side. NO PETS. Call Gino 845-551-0331 Call 914-755-4253

3 ROOM STUDIO

ROCK HILL Homes for Rent Garage (Heated) for Rent with Flexible Terms. 4,500SF Building with 3-14FT ALL AREAS Doors with Offices. Realtor Fee only $795 Please Call: 845-798-1306 HOMES/DUPLEX 856 - 4400 $750-Glen Spey-2 BR Ranch-Nice-Lake WALDEN $750-Sprwbsh-1BR Cottage-All util inc OFFICE FOR RENT 700 sq ft store $800-Port Jervis-Maiden Ln-1BR Ranch front in Walden. Includes all untilities $875-M-Town-2BR 2 stry Duplex- Nice and expenses. Must share bathroom. $1000-Schola-3BR-1.5ba-rnch-No fee! $1,000 a month. $1075-Pine Bsh-2BR-2BA-dplx-w deck Call John at (845) 674-6283 $1200-M-Town-2BR-2BA-Bttn Wd Tnhs $1200-Rck Tvrn-2Br cozy rnch- Nice yd WASHINGTONVILLE STORE: $1200-Mill Rift-3BR rnch dplx-excl cnd $1250-Florida-2BR-2stry Duplx-FDR Yd $1275-Mtwn-3BR Dplx Irwin Av-Pet ok 500sqft to 950sqft. $1300-Greenvlle-3BR-Bi-Lvl-wFin bmnt ON MAIN ST. High foot & Vehicle traf- $1300-Goshen TN-2BR-Tri Plex All Utils fic, tile floor. Suitable for Florist, Can- $1300-Blmbrg-3BR-1.5BA-Frmhs-Porch dy, Food etc. Heat, Water, Trash , $1300-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! Parking inc. No Broker $1325-Mtwn-2BR-Luxry Cndo-Pl-ftnes 914-667-3366 X105 $1375-Mtwn-3BR-2Ba Hse Nice Area $1400-Ellenvll-3BR-2.5Ba-Tnhs-Mint! Condos & Townhouses for Rent $1475-Mtwn-2BR-2BA-Dlx cndo-ftness $1850-Nw Wndsr-4Br-2ba-Great loc-yd MIDDLETOWN Go to orangewestrealty.com Avail. immediately. This townhouse Orange-West Realty 856-4400 has 3 Bdrms, kitchen, dining room, patio,1.5 baths, living room and driveway parking. Goshen Schools. Just CALLICOON minutes to Orange Regional Hospital, 5 BEDROOMS Shopping and all major Hways. First, ON 100 ACRES Last rent. Sorry no pets, no smokers, on Delaware River. W/W carpet. Reasonable rent $1,450. Principals onoil heat. 50 Miles From Middletown . ly. Call owner. 347-796-0089 $1000 Per Month plus utilites. NEW WINDSOR 570-937-4055 1 BEDROOM Squire Village Condo No pets, newly painted, tiles, use of the pool, heat included. $875/mo plus elec. Sec req’d. Sec. 8 OK Call 845-341-1100 ext. 3600 Call 845-300-2998

STORE FRONTS

Rent your home or apartment.

HUGUENOT, NY TWO BEDROOM RANCH Z Bright, clean,1 bath, LR, DR, breezeway w/2 car garage, on 1+ acres, private setting, 1 mile outside Port Jervis, NY. 1 mile from shopping, train and Delaware River. $1,390 per month, plus utilities and 2 month’s security. Call (914) 443-1866 MARLBORO

2 BEDROOM HOUSE

Garage, Front Porch, Side Deck, Nice Yard. No Pets. Security Required CALL FOR MORE INFO 845-566-4930 10am -6pm

www.recordonline.com Homes for Rent

Homes for Rent

NEWBURGH TOWN

Beautiful Newly Renovated

3 bdrms, 2½ baths, DR, full size kit, large sunken LR with fpl & vaulted ceilings. Central air. Full basement. Beautiful backyard w/built-in pool. 2 car gar. $2200/mo plus utilities. 2 mos sec & ref. 646-784-4401

WHITE LAKE SPACIOUS 2600SF NEW WINDSOR 4 BR 2 BATH HOME 3 BDRM BRICK RANCH on 5 acs. Finsihed bsmt w/bar, den, LR, DR, EIK, yard. No pets/smokers. LR w/fpl. Detached gar, c/a & new $1550/MO plus utilities. high efficiency furnace/water heater. 1st month rent, 2 months security. 12 mi from Crystal Run in Rock Hill & References & TRW. close to schls .$1475/mo. AVAILABLE DEC. 1ST AVAILABLE NOV. 1ST. 917-972-1426 845-583-0241 NEW WINDSOR

SELL YOUR HOME! Call Today!

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

3 Bedroom Ranch Z

With fireplace, freshly painted, new carpeting, new range/refrigerator, close to train, airport, shopping and schools. Avail. now. No pets. Ref’s and credit check. $1,350 per month. Call Broker. 845-565-4542 or 845-728-4480 PINE BUSH

9 ROOMS

WALLKILL, TO/Scotchtown 3BD, 1.5BA excellent neighborhood. 1800SF. Newly remodeled. 3/4 Acre, 2 fpl, LR, FR, SS appli, whirlpool, 2 car gar with auto opener. No Pets. $1800/mo + utils. 845-344-5174

Sell your home.

E-mail realestate@th-record.com

GARDINER

3 BEDROOM, 2 BATH

Brand new, family park, decks included. No pets or smoking. $1,100 per month. 1 month’s security to qualify renters. 845-883-9117 or 845-214-5644

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

WURTSBORO

2 ½ baths, 1 car garage in Big Farm House. Very private and large yard for kids to play. $1700. plus utilities. ALSO In-Law apt downstairs Kit, bdrm LR. Rent together for MARLBORO, TN $2500. 914-403-2865 Private House, 3 BR & 2 BA 914-760--6757 Completed renovated, w/basement, outdoor space, back deck overlooks lrg TUXEDO NY Sterling Forest pond perfect for relaxing. Open flr plan State Park newly renovated btw Kit., DR & LR New kitchen. Incls. lakefront home 3 bdrm,2 & 1/2 Fam. Rm on lower level w/frplc & dr bath,fp,AC,$3000 +/ a mo also 1 to backyard. Near Rte 9W, mins to 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 MOUNT HOPE/HOWELLS Beautiful 3BR home. New kitchen and applis. Located on a quiet piece of property. $1500/mo+ utils (approx $300/mo) Excellent refs required. Please call 845-590-4141

WEST TOWN EXECUTIVE DUPLEX 3 - 4 LARGE BEDROOM On 2nd level, walk up attic, plenty of storage. 1.5 Bath, galley Kitchen., formal din, Liv rm, garage. $1975/mo + Utilities. No Pets. Available Now! Beautiful neighborhood. Minisink Schools. Call 845-283-1410

Mobile Homes for Rent

MIDDLETOWN 2 Bedroom House Z ROOM FOR RENT Living Room, Dining Room, Kitchen, 2nd Floor Private Aparment Bath, 1 Car Garage. No Dogs. Single Person $900 per month. Pay own utilities. No Smoking. No Pets First & Last Security. $400/mo Plus Security Call 845-644-4048. Call 845-381-5188 Wurtsboro Village Duplexes 3 bdrm 1 bath Bi-level Unit with garage, family room & laundry hook-up. Freshly painted with new carpet throughout. $1150/mo. RENTAL SERVICE (No Fee) 845-858-9979 www.rosewoodrentals.com

Mobile Homes for Rent CAMPBELL HALL 3 BEDROOM RANCH w/VAULTED CEILINGS 1 bath, 1.4 Groomed ac in beautiful quiet neighborhood. 2 car garage, 2 sheds, front porch, rear deck off EIK & W/D. Washingtonville schools. Close to train. Credit ck. $1,650/mo + utils, refs & 1mo sec. 845-978-9700 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

Sell your home.

E-mail realestate@th-record.com

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

Selling Your Home?

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Times Herald-Record Classifieds Get Results!

343.7000

845

10E

List it. Rent it. EFFECTIVE PROPERTY LISTINGS . . . FOR LESS!

HudsonValley.com/Homes is the largest Web site for local home listings for Orange, Ulster, Rockland, Dutchess, Westchester, Sullivan, Putnam Counties. With 167,000 impressions monthly, your property will get seen in the Hudson Valley’s trusted local source for rentals of all kinds – Year-Round – Seasonal – Homes – Apartments. from Hudson Valley Media Group

Many listing options. Log on to list, or call us at 1-800-295-2181 or 845-343-7000.


www.recordonline.com

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

Sunday, October 20, 2013 ∂ TIMES HERALD-RECORD

11E

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

Step into your future

BLOOMING GROVE

$374,900

CORNWALL ON HUDSON

OPEN HOUSE – SUN. 1PM – 3PM NEW CONSTRUCTION TUTHILL ROAD

STONE’S AGENCY INC.

Direct: 845-926-2573 Office: 845-534-2321 www.HouseSearchNY.com

HIGHLAND MILLS, NY

$119,900

Dir: Rt 9W to Academy Ave, L onto Hudson, Drive on L

INC.

HIGHLAND FALLS

845.344.5174 cell: 845-649-6108

MONTGOMERY

$288,500

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

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.

$289,900

$429,500 MONROE/HARRIMAN MONR MO NROE OE/H /HAR ARRIRIMA MANN OP OPEN EN HHOUSE OUSE OU SE LLUNCHEON UNCH UN CHEO EONN SUNDAY 12PM – 3PM • 4 THORNWOOD COURT, HARRIMAN

Dir.: RT.17M, to Harriman Hts. Rd. LFT on Orchard Hill, Left on Chimney Ridge, Left on Seven Oaks, Left on Thornwood.

$369,000

Janet Delgado, Lic. RE Assoc. Broker The SoldMates Team @ RE/MAX Benchmark Realty

ROCK TAVERN

$349,900

OPEN SUNDAY 1PM – 4PM • 8 SHEAFE CIRCLE, ROCK TAVERN

offers open floor plan on both levels. Kitchen features granite counter with island. Gas fireplace in living room with vaulted ceilings. Dining room with sliders to deck. Hardwood floors in kitchen, dining room, living room and hallway. Master bedroom features tray ceiling and walk in closet. Master bath has double sink, whirlpool tub and 4 separate shower. Lower level features 4th bedroom, family room with tray ceiling and sliders to outside patio. Full bath on lower level. MLS 547303

Tracy Lockhart, Lic. RE Salesperson

Dir.:Bull Rd to Sheafe Circle.

Circular Driveway Leads You to this Beautiful 2800 Sq Ft Colonial that Sits on 1.7 Perfectly Manicured Acres w/Double Decks. It Features 4 Bedrooms, 3 Full Baths, Large Master Suite, Tons of Windows, Beautiful Hardwood Floors, Oversized Eat-in Kitchen w/Granite Countertops & SS Appliances, Spacious Dining Room & Formal Living Room. Great Commuter Location!

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

4 Bedroom, 2.5 Bath, Center Hall Colonial w/Two-Story Entrance. Formal Dining Room, Great Room w/Gas Fireplace, Breakfast Nook w/Custom Kitchen, New Appliances, Hardwood Floors Throughout & Finished Basement. Large Laundry/Mudroom w/ Walk-in Pantry, 2 Car Garage. Also features Attached, Legal, In-Law Suite w/Separate Entrance & Separate Heating System & Water. Ground Level, One Oversized Bedroom, Full Bath & Eat-in Kitchen w/Skylight. House sits on ¾ Acre Wooded Cul-de-Sac. Private 20x20 Cement Patio, Beautifully Lighted Back Yard w/Oversized Lighted Shed. Vinyl-Siding w/Large Front Porch & Raised Brick Flowerbeds Line Front of House. Custom Outdoor Lighting & Blacktop Driveway.

Please Call Paul Filippone @ 845-269-1226 for More Information!

MONTGOMERY

$324,900 & UP!

OPEN HOUSE SAT & SUN 1PM - 3PM 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.

Visit Marion Bruhns 845-744-8100

NEW HAMPTON, NY

$367,000

OPEN HOUSE SUN 10/20, 1-3 PM

WONDERFUL FAMILY LIVING! 225 GREEVES RD., NEW HAMPTON, NEW YORK Goshen Schools. 4 bedroom 2.5 bath 3084 sq. ft. colonial on 1.1 acres. Large eat-in kitchen w/ stainless steel appliances. Finished basement with home office. Walk-up attic adds plenty of storage space.

4/5 bedrooms, 3 full baths w/in-law suite on Level 1.6 acres. c/a, fireplace, hardwood floors, master suite w/spa tub MLS # 552516 Hostess: Janet Direct 845-629-0841

OPEN HOUSE SUN 10/20, 1-3PM 756 ORCHARD DRIVE This new exciting home design is bigger, brighter and better then before. With 2297 sq ft. This home

845.565.0004 x312 RE/MAX Benchmark Realty Group

Ellen Barrett 845-742-1131

HARRIMAN

OPEN HOUSE SUN 10/20 1-3 PM 5 HORTON ROAD,WASHINGTONVILLE

A MUST SEE. MLS# 543298 Call Tracy direct 845-235-6333

TOWN OF NEWBURGH

Ellen Barrett 845-742-1131

WASHINGTONVILLE

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.

845.565.0004 x312 RE/MAX Benchmark Realty Group

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

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!

OPEN HOUSE SUN 10/20, 1-3PM 24 DANIELLE COURT

Tracy Lockhart, Lic. RE Salesperson

$329,000

845.565.0004 x306 RE/MAX Benchmark Realty Group

Private neighborhood, New Construction 3,650 sq ft, - 4 BR, 2 ½ BA on 1¾ 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.

SARA CONSTRUCTION

www.HouseSearchNY.com

Jackie Funck & Donna Brunell, Associate Brokers

Lakeside Village

OPEN HOUSE SAT & SUN, 1-4 PM 38 DRAGO LANE

Direct:845-926-2573 Office:845-534-2321

Classic 3/4BR 3BA Stone Mini Estate w/in walking distance to USMA West Point and Highland Falls and seasonal river views. Formal Living Room w/stone wood burning fireplace. Covered screen room off Formal Dining Room. Finished lower level can be what new owner desires, presently, family room w/ fireplace, bedroom/sitting room and large tiled bathroom. A MUST SEE. Visit www. DonnaBrunell.com/529861 for additional info or call Donna direct at 845.527.7779

2 Holly Court, Highland Mills, NY 10930 cell: 845-928-6769

MIDDLETOWN, OUTSKIRTS $390,000 & UP

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!

OPEN HOUSE SUN 10/20, 1-3PM 6 RIVERVIEW RD

1387 sq. ft. BRAND NEW! 2013 Commodore, 3 BR, 2 BA, Beautiful kitchen with all the amenities, Great Room, split floor plan, oversized deck. MonroeWoodbury Schools, Woodbury Common shopping, lots of recreation in the area, assessible to all major highways, walk NYC bus & local stores. MUST SEE THIS GORGEOUS HOME!

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

STONE’S AGENCY

$369,900 AND UP! OPEN HOUSE SAT.10/19 & SUN.10/20,12PM-3PM

TRULY UNIQUE. 3200+ sq ft. custom-designed colonial is appointed w/ Solid Cherry cab., granite cntrs, stainless appliances, hardwd fl., ceramic tile, 9’ European sculpted ceilings. Unique open floor plan & fabulous mstr suite make this the perfect home for full-time living or weekend retreat. 4 bdrms, 2.5 baths. Walk to schools, restaurants, parks, shops. 55 miles to NYC. Unbelievable price!

OPEN HOUSE SUN 1-4PM 6 Lilac Drive,Highland Mills,NY

Lakeside Village

GOSHEN, NY

OPEN HOUSE – SUN. 1PM – 3PM 152 HUDSON STREET, CORNWALL ON HUDSON

Spacious new home w/gorgeous mountain and sunshine-filled meadow views on your own 8+ acres. Master Bedroom suite, open floor plan, gorgeous hardwood floors, and award winning Washingtonville Schools. 4Beds, 2.5 baths, Minutes from train station for easy commute to the city.

Dir: Route 94 to Tuthill Rd, House on left approx 1/4 mile.

$374,900

Dir.: 17M from Goshen. Left onto County Rte. 12, Right onto County Rte. 56, Left onto Greeves Rd. See Sign.

Thomas E. Griffith Realtors, Inc.

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

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


12E

Sunday, October 20, 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

845-294-6151

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

LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY

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

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

HUDSON HERITAGE FCU

30-yr Fixed 4.250 15-yr. Fixed 3.375 3/1 ARM 3.125 7/1 ARM 4.000 Home Equity Loan 1.990 Home Equity Line 1.990

0.00 0.00 0.00 0.00 — —

— — — — — —

— — — — — —

4.362 3.487 3.237 4.112 1.990 1.990

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 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%

— — — —

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

• Fixed and variable rates with choice of terms

— — — —

800-797-6669

4.03 3.18 4.78 3.92

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.

• SONYMA mortgages with down payment assistance • FREE preapprovals • Fast and convenient local closings Member FDIC

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

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

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

MID HUDSON VALLEY FEDERAL CREDIT UNION 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

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.

201-529-1401

EXPERTS, NATIONWIDE EQUITIES, OFFERS REVERSE MORTGAGES TO ALL HOME OWNERS 62 OR OLDER TAX FREE CASH-NO MORTGAGE PAYMENTS CALL TODAY FOR FREE INFORMATION TO SEE IF A REVERSE MORTGAGE WORKS FOR YOU.

BUYING A HOME? WITH ONLY 45% DOWN YOU MAY QUALIFY FOR A REVERSE PURCHASE MORTGAGE, WITH NO MONTHLY MORTGAGE PAYMENTS NECESSARY CALL LEN NMLS #65781 AT 201-529-1401 M/F 8:30-5:00

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

ORANGE COUNTY TRUST CO. 3.50 3.75 4.25

0.00 0.00 0.00

845-341-5000 20% 20% 20%

— — —

3.51 3.76 4.26

www.orangecountytrust.com

TRUSTCO BANK Your Home Town Bank

ULSTER SAVINGS BANK

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

REVERSE MORTGAGE

10-yr 15-yr 20-yr

Hometown Bank

30-yr Fixed Conf. 4.000 15-yr Fixed Conf. 3.125 30-yr Jumbo Non-Conf.4.750 20-yr Conf. 3.875

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

5% 5% —

Please Call 3.350 Please Call 4.559 Please Call 5.682

845-294-7922

http://www.ulstersavings.com

Purchase or refinance.

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

• Fixed and variable rates with choice of terms

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

• SONYMA mortgages with down payment assistance

WALDEN SAVINGS BANK

• FREE preapprovals

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

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

800-249-3832

0 0 0 0 0

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

$450 $450 $450 $450 $450

www.waldensavingsbank.com

4.531 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

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

Download Today! Member FDIC

www.HometownBankHV.com

4.50

%

APR

**

30-Year Fixed Mortgage Rate

*Application fee is $245. If loan does not close for any reason, the application fee will not be refunded. **Annual Percentage Rate. Rate current as of 9/28/2013. Rate listed applies to owner-occupied primary residence loans only of $450,000 or less with a 10% down payment for term up to 30 years and payments autocharged from a Trustco deposit account. Rate may increase if autocharge is canceled. Other rates and terms available. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.

4.500 3.500 4.125 3.375 3.125

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

INTRODUCING OUR NEW MOBILE APP FOR ANY DEVICE

For a limited time, when you apply for a mortgage at Trustco, your application fee will be * refunded at the closing!

0 0 0

*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

COME HOME TO LOW MORTGAGE RATES AND FAST ANSWERS

R

800-670-3110 TrustcoBank.com

15-yr Fixed 3.250 30-yr Fixed 4.500 FHA 30-yr Fixed 4.125

EQUAL HOUSING

LENDER

Member FDIC

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 20th, 2013