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E1 Times Herald-Record SUNDAY, OCTOBER 27, 2013

Break for underwater homeowners HARP changes can put refinancing within reach

A Mast Masterwork rk H Home Community Co it

4 6 Expertly Crafted, Luxury Boutique Residences Maintenance Free Living

W BPT

hen the federal Home Affordable Refinance Program, known as HARP, launched in 2009, millions took advantage, but many other homeowners found they couldn’t qualify to refinance their underwater mortgages. Today, significant enhancements have made the program more accessible for homeowners and a great opportunity to lower payments or build equity faster. If you owe as much or more on your home than its current value, you’re considered “underwater” or “upside-down” on your mortgage. For some homeowners, the situation has led to foreclosure. Others, however, have stayed current on their mortgage payments, and those are the people HARP is intended to help.

You may be eligible for HARP if: n You are current on your mortgage. n Fannie Mae or Freddie Mac

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There’s additional help now available for families struggling to refinance their underwater mortgages. backs or owns your mortgage, and they acquired your mortgage on or before May 31, 2009. Use Fannie Mae’s and Freddie Mac’s online tools to find out. n The mortgage is for your primary home, a single-family second home or a one- to fourunit investment property.

Because your business

MATTERS

Why refinance? If you’re underwater but still able to afford your current mortgage payment, you may wonder why you would want to refinance. Refinancing a higher interest rate mortgage is a great way to obtain a lower rate that saves you money over the life of the

BPT

loan. Unfortunately, traditional refinances are not designed to help people whose current home debt exceeds their home’s value. For underwater homeowners, qualifying for refinancing is virtually impossible without HARP.

See HARP CHANGES page E????

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2E

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

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

HARP changes

Homeowners might have to choose least-bad option

Continued from page E1 When you refinance through HARP, you’ll likely end up with a lower monthly payment, a shorter-loan term or you can even refinance an adjustable rate mortgage into a 30-year fixed rate mortgage. You can invest those savings in other areas, such as home improvements, retirement savings or college funds. Home improvements, in particular, can be a great investment because they can increase your home’s value, even as you continue to pay down how much you owe on it. With mortgage interest rates still historically low – but likely to rise – and the changes to HARP, it’s a good time for underwater homeowners to consider applying for the refinancing program. More homeowners will qualify under the new provisions, and some who were previously declined for the program may now be able to qualify for it.

Key HARP changes include: n No underwater limits. Borrowers will now be able to refinance regardless of how far their homes have fallen in value. Previous loan-to-value limits were set at 125 percent. For example, if your home

By GARy M. SinGeR Sun Sentinel

Q. I live in Illinois and own an investment property in Pembroke Pines, Fla., that’s at least $130,000 underwater. I know that I can’t refinance and don’t have a hardship allowing me to get a loan modification. Any suggestions? – Valerie Q. I own a condo through my divorce. I rent it out, but it’s worth less than I owe. I have spoken to dozens of lenders and no one will refinance the mortgage. My credit is perfect and I have worked hard for 35 years to get it that way. What can I do? – Sandi

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value was $100,000, your mortgage couldn’t exceed $125,000 in order for you to qualify for HARP. That limit has been lifted, so now you may qualify even if you owe much more than your home is worth. n No appraisals or underwriting. Most homeowners will not have to get an appraisal or have their loan underwritten, making their refinance process smoother and faster. n Modified fees. Certain riskbased fees have been reduced or eliminated altogether for borrowers who refinance into

Local loan rates Local Banks

www.recordonline.com

Annual percentage yields

shorter-term loans. n Less paperwork. Lenders have the option of qualifying a borrower by documenting that the borrower has at least 12 months of mortgage payments in reserve. Perhaps most important, the deadline to apply for refinancing through HARP has been extended. Homeowners now have until Dec. 31, 2015, to apply, but take advantage of current low mortgage rates. To learn more about the new HARP and if you may be eligible to participate, visit HARP.gov.

Rates charged 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

0.45

0.5

Catskill Hudson Bank

.40

.35

0.50

1.05

N/A

N/A

N/A

Unsecured Improve- personal ment loans

N/A

N/A

N/A

N/A

.80 7.25@ 7.50@ 8.75@ 9.25@

NA

NA 11.00@

A. Unfortunately, there isn’t always a great solution to every problem. Sometimes people just have to choose the option that will do them the least harm. Lenders call this “loss mitigation.” Because neither of your situations seems to have a clean exit, you will need to weigh your priorities and choose the path that will do you the least harm. Look at whether your rental income covers most or all of your monthly expenses. If it does, it may make sense to

Local Credit Unions Hudson Heritage FCU Kolmar FCU Matteawan FCU

.35@

0.35

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

N/A

N/A

0.25

.25-.60

.35

0.55

0.50

1.20

8.25

8.25

9.25

9.25

CB

6.50

9.50

Empire State Bank

0.30

0.40

.95

N/A

N/A

N/A

N/A

N/A

N/A

N/A

MPO FCU

NO

NO

N0

N/A

Mid-Hudson Valley FCU

.15

0.30

0.50

.55v

.25

.45

NO

N/A

Jeff Bank - Jeffersonville 0.10

0.30

.40

0.75

3.75

Orange County Trust Rondout Savings

.30@

.30

.45

1.00

0.26

0.30

0.55

1.10

N/A

N/A

4.25v

3.75 ^4.25 ^4.25

N/A

5.75

N/A

N/A N/A

N/A

6.25

5.25 5.325 5.250 5.375 ~4.625

N/A

N/A 10.00

O&R EFCU

N/A

Palisades FCU

0.30@

TEG FCU

.25-.35

.4

.150

.351

.15

.35

Sawyer Savings

N/A

N/A

N/A

N/A

State Farm Bank

.50

.10

.35

.67 ~2.39 ~2.39 ~3.34 ~3.34 ~4.00 ~5.25

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

Ulster Savings Hometown Bank of HV

8.75

7.25

N/A

N/A 5.625 N/A

N/A

N/A 10.25 7.00 14.00 N/A

N/A

US Alliance FCU Wallkill Valley Fed. S&L

Rates charged

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

0.35

First Fed - Middletown

The information and materials in this column are provided for general informational purposes only and are not legal advice. Distributed by MCT Information Services.

Annual percentage yields

Greater Hudson Bank .05-.60v 0.10-0.45

hang in there as property values rise in the long term. Also think about how important your credit score really is to you. If you won’t need a loan for the next few years, it may not really be that important to have a top-notch credit score right now, at least when compared to your dwindling savings account. Now that you have checked so many lenders for a refinance, take a deep breath and keep trying to find one that will offer you a refinancing. For that matter, go back to some of the lenders you spoke with before, because new programs are being created all the time. Even if the lender told you no six months ago, it may say yes now. The most important thing is to look at all your options objectively and pick the one that is the least bad for you – and then don’t give up until you get it done.

.15@ 0.351 0.551 .20@ 0.25@ 0.65

7.50

N/A

4.50 13.00

1.10 ~2.49 ~2.49 ~2.49 ~2.49

N/A

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

1.05 1.49@ 1.94@ 2.99@ 2.99@ 2.99v@ 10.50 10.50 .702 1.99@ 1.99@ 1.99@ 1.99@ 4.99@ 5.84@ 8.50@ .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 10/25/13.


www.recordonline.com

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

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

3E

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4E

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

Commercial & Industrial Property for Sale LIBERTY Main St. Catskills. For Sale By Owner. Store front and Apt. Charming store front building w/upstairs apt. Walk out basement & yard. Upstairs apt has 2 floors, liv rm, eik, 2 br on main flr & 2 more rms upstairs. Renovated, hdwd flrs, stream. New boiler and water heater. Live/work. $98,000 - obo. 213-309-9167

Condos & Townhouses for Sale MONROE Townhouse - $326,500 Built 2011, 3 levels, 3 bedrooms, 4 bath, Finished bsmt, 2 garages, clubhouse, pool KELLER WILLAIMS REALTY Call: 845-928-8000

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Homes for Sale ALL AREAS, PINE BUSH Cute 2Bd Renov Ctry Home,$120,000 3Bd 2ba 02 Mobile grt cond $19,000 3Bd 2Ba Ranch 3.3+ac stream $210K Wurtsboro Income! Mint 2Bd Duplex C/A, sec sys,hdwd,.70Ac $275,000 Cheryl Wolfe Realty 845.733.9653

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

Homes for Sale

PINE BUSH/WALLKILL (2) 1BD hses/2a/renv/live in one rent both. Investment PB $110000 3 BEDROOM TOWNHOUSE or2fam 3bd,3b/apt/renv Wllkll $310K Exceptional Highland Mills Townhouse 778-2263 Wolfe Realty 219-5674 for Sale. 3 Bedrooms, 2 1/2 Bath, Attached Garage, Deck off Breakfast Area, Nice Views in Lovely Neighbor- TOWN OF BLOOMING GROVE hood. Well Maintained and in DesiraORCHARD LAKE DRIVE ble Community. Monr/Wood Schools GREAT INVESTMENT PROPERTY $249,900 Negotiable WASHINGTONVILLE SCHOOLS For Appointment Call or Email: 3 BDRM, 2 BATH RANCH. 914-391-2340 FORECLOSURE. Needs a krmivi@yahoo.com complete rehab. All offers considered. Sold as is. Cash only. 845-920-1384 HUGUENOT 5 Bedroom, 2 Bath, Family Room, TOWN OF MAMAKATING 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. HIGHLAND MILLS/ TIMBER RIDGE

MIDDLETOWN-Outskirts $365k

MOVE IN READY

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New Construction 3,650 sq ft 4BR 2½ BA on 1.7 acres pirvate neighborhood, maple cabinets, granite tops, 9’ ceilings, central air, carpet/oak/ceramic floors, walk in closets, jacuzzi, 2 car gar, stone front w/paver walkways. PORT JERVIS & VIC Other lots & financing available. BRAND NEW BI-LEVEL! Pack you bags! House is ready to oc- SARACONSTRUCTIONNY.COM cupy! Wow! It’s as good as it gets! Bells & whistles galore! 3 BR, 3 full bths! Excellent craftsmanship! Open New Home Const. complete!! floorplan! 9 ft ceilings! Island kit & Your lot or mine. Guar to beat any est! granite! Lndry/mud room off kit! Cen- Fully insured! Call 845-344-5174 tral a/c! HW floors! Full walk-up attic staircase! Rests on 2 ac! Just minutes to Pt. Jervis & hwy’s! $234,900 MONROE!!! Rita Geissler 783-RITA Pine Tree Road ARC REALTY #1 IN SALES 4 BR; 2.5 BA for $200k!!! 783-5145 Hardwood flrs, fp, huge master BR patio, excellent location!!! Great home or investment! A 2nd home for sale is on the lot Call for details. our classifieds help bring Amanda IPG Real Estate readers to your door 845-987-4159 (We have more houses in this price range!)

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Rates As Low As

$59

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HOMES

Blooming Grove

MIDDLETOWN

Outskirts $650k

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914.760.0045

Homes for Sale

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RENT

Land

Call 845-304-6907

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Apartments

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Realtor Fee only $595 Short Term Leases Available Call 201-923-9199 APARTMENTS 856 - 4400 $600-Port Jervis-Studio-Incl Heat/HW Manufactured Homes for Sale $700-Blmbrg-1BR-Main St-Renvd Nice www.bottiniproperties.com $700-Ellnville-2BR -Apt on dead end st Greenville/Minisink Schools $745-Blmbrg-2BR-Cozy 1st Fl Apt-Nice GOSHEN/GOSHEN SCHOOLS Castle High Community $750- M-Town- Cute-1 BR Nice Kitchen Griffith Realtors, Inc. New 2013 Single or Double wide $750-Matamoras-Mint-1BR-2ndfl-Pkng Ellenville 845-294-9333 Starting at $55,000. $775-Pnd Eddy-Executive-studio w gar 2BR Condo-Hillside Village$1175/Mo. 3 Bdrms, 2 full bths, decks included $800-Pt Jrvs-2BR-2story dplx-Very nice FALL SPECIAL - ONLY A FEW 2BR Ranch on country cul-de-sac Financing Available $800-Blmbrg-1BR-Btiful 1st fl -big yd LEFT... Up to 2 FREE $1300/Mo. 845-355-6052 $850-Sprw Bush-Btiful 2BR-1st Fl-cntry 2BR 1010sq ft cape cod- $1300/Mo. CASTLEHIGH@OPTONLINE.NET $850-Port Jervis-Lg 1BR-HW Fl-Inc Elec MONTHS RENT on select 2BR 1200 sq ft ranch - $1300/Mo. $850-Mtamoras- Lrg 1BR-All utils Incd apartments with a 13-14 2/3BR in 2 family - $1550/Mo. HARRIMAN $850-Mtown-Mint-Huge-1BR-Like New PLUS RE- 4BR 3685sq ft colonial - $3000/Mo. $850-Huguenot-2BR-2nd Fl-yrd-Carport month lease. $875-Mtown-2BR-1stFl-Inc Ht-WD-HU CEIVE a $500 GIFT CERTIFI- GOSHEN $27500 2BD,1BA 14x70 Mint! $892-Prt Jrvis- 3BR-West End-NR Park $95500 3BD, 2BA 24x48 New! LARGE 1 BEDROOM $900-Pt Jrvs-Mint-Big 2BR-1st w/d hu CATE for NEW FURNITURE! EIK, LR, Bath, Laundry Room, 845-496-1121 $900-Mtmoras-2BR- 2Flr Apt-Very Nice Newly Renovated 2 BR 1.5 2 Mins to Rt 17, Jervis-2BR- Quiet-Inc Ht HW www.brooksideacres.com $900-Port $1,100 Per Month All Utils Included bath apartments with oak $900-Nbgh-115 Lbty St 2br-Inc ht/hw Sec & Ref’s Needed HIGHLAND MILLS/WOODBURY $950-Huguent- 3BR-1st Flr-Porch Crprt kitchens, new appliances, ceAVAILABLE DECEMBER 1ST $1000-Mtmrs-Mint 2BR-Awsm-w/d hu 845-291-1948 $1000-Bulvll-PB Schl-2BR-Inc ht-1st Flr ramic tile and wall to wall $1200-Eldred-3BR-2Ba- Dplx-Inc all util carpeting available now! New 2013 Single or Double Wide GOSHEN $1300-TN Goshen- 2BR-Inc all util C/A 3 bdrms, 2 full bths, decks included On site parking and laundry. NEW KITCHENS, NEW BATHS Go to or angewestrealty.com Financing available NEW BRIARWOOD APTS Orange-West Realty 856-4400 Private country setting with Raised Easy commute maple panel cabinetry, Moen 845-928-6769 ∂ 845-699-0990 BLOOMINGBURG pond. Must qualify and hi arc faucet, Harbor Breeze 52" COZY STUDIO Apt w/Kit $625 ceiling fans, laminate granite move in by 11/15. Close cntertp, simulated MIDDLETOWN/GREENVILLE Nice 4 room apt , "1BD" oak flring, DW, OFF RT6 to Rt. 17 and Rt. 52. Easy over the range Whirlpool microfurnished/unfurnished $950/month. Green Acres- 80% Senior BOTH INCLUDE ALL UTILITIES!! And that’s just the EIK. Area commute to Middletown, wave. New 2013 Champion by Titian 14 x 1/2 Mile to Route 17 best Goshen schools. Next to beauti66 2 BR/2 full BA/ Turnkey/ Monticello and Kingston. ûû Call 201-934-4940 ful Salesian Park.1-2BR & spacious Financing Available/ Call any time! 1BR+ den/office/BR $825 plus utilities. No 355-2568/986-8680 CALLICOON, SULLIVAN CNTY BRIARWOOD HOUSE APTS 18 Craigville Rd⁄ 914-450-4496 1 & 3BR LUXURY APTS Pets. (718) 358-7200. www.briarwoodhouseapt.com MONTICELLO Zip 12723 On mountain side overlookFLORIDA KINNEBROOK ESTATES ing 30 mis. Near Villa Roma Resort. Goshen/Washingtonville WELCOME HOME! 351 Rte17B, Monticello Master br /jacuzzi /priv deck /ba Sunny Spacious Modern Studio. Deluxe Singlewide and Doublewides /fireplace /lrgdeck, d/w, w/d hook1 BDRM APT LG Deck. Manufactured Homes on your prepared up & more. SL W. School Dist. 1st month rent $400 $795 Inc. Utilities. lot from $30,495 start ing @ $695/mo+util.sm Pets Washer/dryer avail. New carpet. Heat Ref & Sec. Please Call: 845-423-0530 ok No smoker 800-926-2459 & electric included. References reCall 732-548-8611 jporpora@aol.com Selling Your Home? Selling Your Home? quired. No pets. $695/mo. plus security our classifieds help bring our classifieds help bring readers to your door readers to your door Sell your home. Please Call 845-636-0830

EFFICIENCY APT

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APARTMENTS FOR RENT

$90 SF on

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

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

MIDDLETOWN

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

MIDDLETOWN 2 BR APT. 1/2 HOUSE, EAST MAIN & PROSPECT AVE. EATIN KITCHEN, W/D HOOK-UP. $1000.00 PLUS UTILITIES, 845-283-7200.

Apartments

MIDDLETOWN, NY 1 & 2 BR APARTMENTS ROCKWOOD GARDENS Apts Best Location! Highland Park Mgmt. "Get them while they last! " Starts at $1080 & up - Includes heat, Check our website: hot water, a/c, dishwasher, w/d. rockwoodgardens-apts.com Call 845-978-5493. 845-692-2939 Mon - Fri 9-5; Sat 9-3 (Must fill out credit app.)

2 Bedroom Apts

MIDDLETOWN/SCOTCHTOWN

1 bdrm apt All utilities included

Very peaceful area Non-smoker & No pets. $750/mo. Call 845-692-4054

MIDDLETOWN/Scotchtown LIBERTY MIDDLETOWN COUNTRY SQUIRE APTS Liberty Manor Apartmen ts 30 SPRING ST 1BD Apt, lg spacious living rm, dinGreat location with November Rent 3 BDRMS ing rm and bedroom area. Brand Free. 1 & 2 bedroom Avail. Free Heat & Hot Water $1300. Finished attic, stackable w/d New renov’d kit & bath Pets ok. 794-6660 hookup, dishwasher, front & back 845-590-4141 or 845-692-2121 *Qualified first time porch, parking in rear. applicants only 845-800-1371 MIDDLETOWN No dogs permitted 914-409-3497, 914-409-3606 LOCH SHELDRAKE

Spacious 2 Bedroom Apt.

In a 3 Family home. Immaculate, Easy for commuting. Close to town. All Utilities Included $1,000 per month. Call 845-701-9928 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

MIDDLETOWN

3 BEDROOM APARTMENT Great Location & Great Condition $1,050 + Utilities $35 Application Fee Required PLEASE CALL: 845-325-8386

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.

MARLBORO QUIET STUDIO COTTAGE Private location. LR, 1 BR,1 BA and (845) 343-2221 kitchen w/new appl., wood floors. 1.5 mile from 9W and 10 mins to eiwww.aptHP.com ther bridge. Heat inluded. $650/mo plus sec. Call 845-674-3771. MIDDLETOWN ALL UTILITIES INCLUDED MAYBROOK

Country Manor

2 bdrms, 2nd floor Bright, open, renovated

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

1 Bdrm Studio Apt.

In Quiet Country Setting. Backyard. All Utilities Included. No pets. Security & References. $775 per month. Call 845-551-5749 MIDDLETOWN

1 BEDROOM APARTMENT Newly Painted $750 Includes Heat & Hot Water Also Studio Apt Located on Rt 211 Near Train & Shopping $550 + Utilities Security - No Pets 845-361-4110 or 845-283-2926

MIDDLETOWN

1 Bedroom

Upper level condo. Recently updated. New laminated flooring through-out, freshly painted, washer/dryer, deck. Section 8 ok. No Pets. $975/mo

845-300-1965 MIDDLETOWN 1BR APT ~ MONHAGEN AVE. In beautiful old Victorian home. EIK, newly remodeled, w/w carpet, prvt parking, prvt ent. AVAILABLE IMMEDIATELY One month security ($500) required + 1st & last mo $750/MO PLUS UTILITIES PLEASE CALL 914-443-5724 MIDDLETOWN

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 BDRM, 3rd flr w/balcony

$500 OFF AT MOVE IN

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

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

†STUDIO APT†

www.aptHP.com

MONTICELLO Colonial Hill Apartments Perfect time to move before the holidays with November rent free*1 bedroom avail. Free Heat/Hot Water and Cooking Gas 794-6660 *Qualified first time applicants only No dogs permitted 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

EIK, off-street parking. $550/mo, 1 NEWBURGH month’s security. Utilities not included. 2 Bedroom Apartment None-smoker $775 Per Month Call 845-343-6958 1 Month’s Security Heat Only Included MIDDLETOWN No Pets and No Smoking Call 845-569-8625 Towne Terrace Apts 1&3 Bedroom Apts. Pool! NEWBURGH 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

1 BEDROOM APARTMENT NEWLY RENOVATED In Rolling Hills $1,050 Includes Heat & Hot Water Security & Deposit Needed Mins to Woodbury Commons PLEASE CALL: 845-564-6984 MONROE 1 bedroom, heat, elec & cable included $975.00 - need car. Call: 845-800-7777 MONROE village of South Blooming Grove monroe mailing address Heat,electric & gas Incld 1BR $950 Studio $850 both w/ private Lake View Great Location and Peaceful . No pets. Only 1 month sec. Please call 845-783-8172 or 845-774-3389 Z MONTAGUE, NJ

1 Bed Condos

Apartments

(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

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD Apartments NEWBURGH, CITY OF GRAND STREET

NEWBURGH

û 2 BEDROOMS APT û

(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 of

2 FAMILY HOME Newb Heights

MONROE

2 Bedroom Apt. $850/mo. 3 Bedroom Apt $975/mo. Parking Included Utilties Not Included. Call 845-238-6631

NEW WINDSOR

1, 2, & 3 BRS, Rt. 94

5E

Apartments

Apartments

NEW WINDSOR

Make Your Home at

Call for Halloween Specials ALL UTIL’S INCLUDED!!! SPACIOUS Hudson River View! Near waterfront & A caring community with 24 hour restaurants. New kitchen, marble Beautifully upgraded with new: Kitchen emergency maintenance. Largest 1&2 flooring & balcony. Baths Carpeting, Pool & play area. br with beautiful wood decks & play - Call 845-554-9448 Heat & hw incl. 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 NEW WINDSOR Utilities Incl. $1,200/mo. CORNWALL NEW WINDSOR 2 BEDROOM APT Heat & Hot Water Included $1,100/mo + utilities 1 BDRM $935-$970 Spacious 1 BD & 1Bd Dens Security Deposit, References. No Pets 3 BEDROOM $1,419 Air Conditioning, Pool Call 845-905-2519 Close to shopping. Close to transportation NEWBURGH, TOWN OF 1 Month Security 2 BEDROOM APARTMENT Call Today Heat and Hotwater Included Clean, Quiet & Safe On-Site Parking For more info No Fee’s, New Carpet & Paint, Plenty Laundry Facilities On-Site of Parking, Wallkill Schools, Close to Close to Shopping (877) 871-7323 I84 & I87, Laundry Room on Site. & Transportation Mon- Fri 9-5 $925 + Utilities, Sec & Ref’s No Pets Pet Friendly Avail. Immediately -11/1 336 Old Forge Hill Please Call: 845-541-4534 New Windsor

SOUTHGATE VILLAGE

Starting at $915

www.towermgt.com

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

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Times Herald-Record Classifieds Get Results!

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

Pine Bush 3 bdrm , 1 bath trailer, $1100/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

Sell your home.

E-mail realestate@th-record.com

Rent your home or apartment

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

MIRACULOUSLY PRICED FROM JUST $229,900 ■

■ ■

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

CLUB WITH: ■ ■ ■

Fitness Center Swimming Pool Game Room

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

An Equal Housing Opportunity NEWBURGH, CITY

3 Bedrooms

In Country Club Community. Swim, Liberty/Washington St. Fish, Boat, Tennis, Golf & More. $975/mo. + util. Freshly $625/mo plus util. painted, 3rd floor. DSS ok. Ask About Easy Start Up! Security. References Required. 973-402-8648 Call 845-821-5327 MONTGOMERY

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

Please call for Rental Info 845-343-0300

2 BEDROOM APARTMENT

Good Neighborhood Includes Garage & Off Street Parking $975 + UTILITIES Please Call: 845-283-9609

Apartments

Rent your home or aparment here.

NEWBURGH, TOWN

135 GOLF LINKS ROAD MIDDLETOWN, NY 10940

APARTMENTS

2BD, 1BA & 3BD, 2BA Private Entrances, No Utilities Included. No pets. Call: 845-565-0818 for more information 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

Rent your home or apartment.

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

Call Today

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

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.


6E

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

Recent sales

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

www.recordonline.com

HudsonValley.com HOMES

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.

BLOOMINGBURG $190,800; Route 17K, 4 BR/1.1 BA colonial, 1728 sf, 1 ac, blt 1991, LA: ERA Curasi Realty, Montgomery/SA: Panarelli Realty, Goshen

CORNWALL $300,000; Mine Hill Road, 4 BR/2.1 BA splitlevel, 1776 sf, blt 1979, LA: Smitchger Realty, Cornwall/SA: Better Homes and Gardens Rand Realty, Central Valley

FERNDALE $57,000; Ferndale Road, 3 BR/1 BA mobile home, 980 sf, 10 ac, blt 1999, LA: Prudential Peters Realty, Monticello/SA: Prudential Peters Realty, Monticello

HIGHLAND FALLS $125,000; Lake Street, 2 BR/1 BA cottage, 975 sf, blt 1928, LA: Rita Levine Real Estate, Wallkill/SA: Rita Levine Real Estate, Wallkill

KIAMESHA LAKE $45,000; Peter Way, 3 BR/1.1 BA town house, 1456 sf, blt 1972, LA: Lad Realty, Circleville/SA: Lad Realty, Circleville

MIDDLETOWN $180,000; Blanchard Street, 6 BR/4 BA multifamily, 2840 sf, blt 2005, LA: John J. Lease Realtors, Middletown/SA: John J. Lease Realtors, Middletown

CHESTER $135,000; Whispering Hills Drive, 2 BR/1 BA town house, 1084 sf, blt 1984, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Scott Foley Realtors, Chester

CORNWALL-ON-HUDSON $449,000; Pine Street, 4 BR/2.1 BA colonial, 2850 sf, blt 2013, LA: Smitchger Realty, Cornwall/SA: Better Homes and Gardens Rand Realty, Central Valley

FLORIDA $290,000; Cynthia Court, 4 BR/2 BA bi-level/high ranch, 2142 sf, blt 1974, LA: Green Team Home Selling System, Warwick/ SA: Green Team Home Selling System, Warwick

HIGHLAND MILLS $462,000; Heather Ridge, 5 BR/3 BA colonial, 3071 sf, 1 ac, blt 2005, LA: Weichert, Realtors, Monroe/SA: Monroe Realty Center, Monroe

LIVINGSTON MANOR $125,000; St. Bernard Pass, 2 BR/1 BA ranch, 720 sf, blt 1960, LA: Catskill Brokers Inc. Real Estate Agents, Woodbourne/SA: Catskill Brokers Inc. Real Estate Agents, Woodbourne

MIDDLETOWN $140,000; Cedar Court, 3 BR/1.1 BA condo, 1540 sf, blt 1990, LA: Keller Williams Realty, Highland Mills/SA: Better Homes and Gardens Rand Realty, Central Valley

CORNWALL $253,895; Broadway, 4 BR/2 BA colonial, 2052 sf, blt 1920, LA: Smitchger Realty, Cornwall/ SA: Smitchger Realty, Cornwall

CORNWALL $230,000; Sycamore Drive, 3 BR/3 BA ranch, 1344 sf, blt 1999, LA: Hudson Heritage Realty, Washingtonville/SA: RE/ MAX Benchmark Realty, New Windsor

FORESTBURG $305,000; Stag Forest Road, 2 BR/2 BA ranch, 1552 sf, 6 ac, blt 1940, LA: Century 21 Geba Realty, Sparrowbush/SA: Century 21 Geba Realty, Sparrowbush

HIGHLAND MILLS $529,000; Heather Ridge, 4 BR/3.1 BA colonial, 3676 sf, blt 2004, LA: Keller Williams Realty, Highland Mills/SA: Better Homes and Gardens Rand Realty, Goshen

MAMAKATING $169,900; Skylark Drive, 2 BR/2.1 BA ranch, 1988 sf, 1.47 ac, blt 1978, LA: ARC Realty #1 in Sales, Monroe/SA: Thomas E. Griffith Real Estate, Goshen

MIDDLETOWN $140,000; Hanford Street, 5 BR/3 BA two-story, 2812 sf, blt 1900, LA: Better Homes and Gardens Rand Realty, Monroe/ Woodbury/SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

CORNWALL $159,500; Main Street, 2 BR/1.1 BA condo, 924 sf, blt 1973, LA: Smitchger Realty, Cornwall/SA: ERA Curasi Realty, Montgomery

ELDRED $124,000; Frazier Road, 3 BR/2 BA raised ranch, 1120 sf, 1 ac, blt 1976, LA: Century 21 Geba Realty, Sparrowbush/ SA: Century 21 Country Realty, Monticello

HARRIMAN $117,000; Lexington Hill, 2 BR/2 BA condo, 960 sf, blt 1988, LA: Keller Williams Realty, Highland Mills/SA: Monroe Realty Center, Monroe

HUGUENOT $47,500; Forest Drive Lakewood Estates, 2 BR/2 BA mobile home, 1400 sf, blt 1998, LA: Orange-West Realty, Port Jervis/SA: Orange-West Realty, Port Jervis

MARLBORO $54,000; Parr Meadow Drive, 2 BR/1 BA 850 sf, blt 1999, LA: ERA Curasi Realty, Montgomery/SA: John J. Lease Realtors, Newburgh

MIDDLETOWN $41,000; Knapp Avenue, 3 BR/1 BA two-story, 1596 sf, blt 1870, LA: ERA Curasi Realty, Montgomery/SA: John J. Lease Realtors, Middletown


www.recordonline.com

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

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

HudsonValley.com HOMES

Recent sales

7E

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.

MIDDLETOWN $177,900; Manhattan Avenue, 2 BR/2 BA ranch, 1548 sf, blt 1965, LA: John J. Lease Realtors, Middletown/SA: John J. Lease Realtors, Middletown

MONROE $135,000; Orchard Drive, 3 BR/2 BA ranch, 1008 sf, blt 1959, LA: John J. Lease Realtors, Middletown/SA: Keller Williams Realty, Central Valley

NEWBURGH $218,000; Catalpa Road, 3 BR/2 BA split-level, 1773 sf, blt 1959, LA: John J. Lease Realtors, Newburgh/SA: Weichert Realtors, Fishkill

PINE BUSH $269,000; New Prospect Road, 4 BR/2.1 BA Cape Cod, 1862 sf, 1.7 ac, blt 2005, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: John J. Lease Realtors, Newburgh

WALLKILL $430,000; Route 300, 6 BR/5.1 BA ranch, 8000 sf, 9.5 ac, blt 1995, LA: ERA Curasi Realty, Montgomery/ SA: ERA Curasi Realty, Montgomery

WARWICK $280,000; Village View Street, 2 BR/2.1 BA condo, 1924 sf, blt 1997, LA: Keller Williams Realty, Highland Mills/SA: Regal Homes & Properties, LLC, Warwick

MIDDLETOWN $120,000; Mountain Road, 3 BR/1.1 BA two-story, 1224 sf, blt 1940, LA: John J. Lease Realtors, Middletown/SA: ARC Realty #1 in Sales, Monroe

MONROE $369,900; Stainton Fareway, 3 BR/2.1 BA colonial, 1750 sf, blt 2013, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Weichert Realtors, Suffern

NEWBURGH/ORANGE LAKE $339,000; Lakeside Road, 3 BR/1.1 BA Cape Cod, 1388 sf, blt 1910, LA: Bernadette Gillespie, LLC, Newburgh/SA: RE/MAX Benchmark Realty, New Windsor

SLATE HILL $285,000; Post Road, 3 BR/2 BA ranch, 1483 sf, 7.1 ac, blt 2013, LA: Realty Promotions Inc., Port Jervis/SA:Realty Promotions Inc., Port Jervis

WALLKILL $175,000; Route 208, 4 BR/2 BA split-level, 1694 sf, 1.5 ac, blt 1940, LA: ERA Curasi Realty, Montgomery/SA: Coldwell Banker Village Green, Stone Ridge

WASHINGTONVILLE $162,000; Brook Drive, 2 BR/2.1 BA condo, 1295 sf, blt 1987, LA: Smitchger Realty, Cornwall/SA: RE/ MAX Benchmark Realty, New Windsor

MONROE $165,000; Duelk Avenue, 3 BR/1 BA raised ranch, 960 sf, blt 1961, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/SA: Real Estate Solutions, D.L. Hawkins & Associates, Goshen

MONTGOMERY $210,000; Albany Post Road, 3 BR/2 BA Cape Cod, 1386 sf, blt 1950, LA: ERA Curasi Realty, Montgomery/SA: RE/ MAX Benchmark Realty, New Windsor

NEW WINDSOR $99,000; Blooming Grove Tpke, 2 BR/1 BA condo, 1260 sf, blt 1965, LA: John J. Lease Realtors, Newburgh/SA: RE/MAX Benchmark Realty, New Windsor

SMALLWOOD $66,000; Iroquois Trail, 1 BR/1 BA cottage, 688 sf, blt 1940, LA: Malek Properties, Bethel/SA: Malek Properties, Bethel

WARWICK $510,000; Hambletonian Road, 4 BR/2.1 BA colonial, 23.89 ac, blt 2013, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

WAWAYANDA $325,000; Jared Court, 3 BR/1.2 BA colonial, 3200 sf, 1.7 ac, blt 1996, LA: ARC Realty #1 in Sales, Monroe/SA: Regal Homes & Properties, LLC, Warwick

MONROE $259,900; Lincoln Road, 4 BR/2 BA Cape Cod, 1796 sf, LA: Monroe Realty Center, Inc., Monroe/SA: Monroe Realty Center, Inc., 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

NEW WINDSOR $257,000; Garland Street, 3 BR/3 BA two-story, 1886 sf, blt 1910, LA: Better Homes and Gardens Rand Realty, Monroe/ Woodbury/SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

WALDEN $175,000; Winding Brook Drive, 3 BR/2.1 BA town house, 1505 sf, blt 1993, LA: ERA Curasi Realty, Montgomery/SA: Lucille Hand Real Estate, Ellenville

WARWICK $375,000; Onderdonk Road, 4 BR/3 BA contemporary, 2948 sf, 1.5 ac, blt 1985, LA: Green Team Home Selling System, Warwick/SA: Green Team Home Selling System, Warwick

WURTSBORO $130,910; US Highway 209, 2 BR/2 BA Cape Cod, 1224 sf, blt 1940, LA: John J. Lease Realtors, Middletown/SA: Panarelli Realty, Goshen


8E

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

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

Your homepage for Hudson Valley homes.

www.recordonline.com


www.recordonline.com

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

Apartments

LARGE 1 BDRM APT $650 WALDEN

2/3 bdrm apt. $900/mo.

S ecurity req’d. 845-468-5846 PINE BUSH/WALDEN 1BD house country,Pine Bush $700 2BD light/roomy/wtr&sewer $975 1BD roomy/wtr & sewer $850 778-2263 Wolfe Realty 219-5674

WALDEN ROCK HILL 1 &2 BEDROOM APARTMENTS 3 BEDROOM New floors & paint. Includes heat/hot 1 Bath, Yard, Parking, water/electric/gas/garbage. $1,250 Per Month + Utils Washer/dryer hook-up. PLEASE CALL: 914-213-4700 1 Bedroom-$700.00 2 bedroom-$950.00 WALDEN rCall 845-794-0700 q

BEAUTIFUL 1BR APT

Scotchtown - Goshen Schools

Cambridge Manor Super Special

Lg, Beautiful 1BR, 2 Lg Walk In Closets, Private entry, newly renov with PLATTEKILL new kit, Exc cond Heat/HW, incl. 1 BEDROOM APARTMENT Call 845-590-4141, 692-2121 AVAILABLE NOV 1ST $775 Per Month + Sec Not Pets, LG Walkin Closet, EIK, Newly SHAWANGUNK, TOWN OF Renovated, Nice Deck WALLKILL, TOWN OF and Back Yard. 3 BEDROOM PLEASE CALL: 845-264-4417 Second Floor Walkup, LG Eat in Kitchen, Living Room & Dining Room. PLATTEKILL NO PETS 1 Bedroom Apt. $1,100 Per Month + Utilities Freshly painted. Carpeting First & Last Mon. Rent Needed $625 per month PLEASE CALL: 845-741-7987 + 1.5 mo sec. Plus Utilities. No Smoking, No Pets. TOWN OF MAMAKATING Offstreet parking, Quiet location. WURTSBORO AREA 845-564-3828 2 Houses Side by Side. Country Peaceful Living. 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 TUDOR GARDEN APTS 1 & 2 Bedrooms From $765 per month Heat & H/W Included Call 845-856-3398

2 LEFT $800 each.

+ Utilities, Security and References Please Call: 845-883-9025 or 845-527-1863 or 845-421-5014 WALDEN

1 bdrm & 2 bdrm Apts

Heat & Hot water & cooking gas included wall to wall carpet W/D on premises, no dogs, 1 car parking,$760.00 & $815.00 a mo. heat/hot water included. 845-496-8895 or 917-939-1714 Rent your home. Call 845-341-1100 ext. 3600

Apartments

WARWICK

Heritage Green Apts. Super Special

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

Heat, H/W & Garbage P/U 845-987-2306 W/large 2 room finished attic. Offst parking, A/C. 1½ mo sec plus references required. WOODRIDGE $1,000 per month. Great Place to call home Call 845-778-2633 lv msg WALDEN

LARGE 1 BEDROOM EFFICIENCY

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

Belle Harbour Apartments 1 & 2 Bdrm units Free Heat & Hot Water

845-794-6660

343.7000

WURTSBORO/SUMMITVILLE

VERY LARGE 2 BEDROOM APT

FRESHLY PAINTED

Sell your home.

Advertise in the Times Herald-Record.

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SUBSCRIBE TO THE TIMES HERALD-RECORD AND GET THE LATEST SCORES, STATS AND STORIES ABOUT YOUR FAVORITE LOCAL PLAYERS AND TEAMS.

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Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD Commercial & Industrial Property for Rent

WORKSHOP WAREHOUSE

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

MONTICELLO

Winwood Condos for Rent

Condos & Townhouses for Rent

NEW WINDSOR GOSHEN 1 BEDROOM Ideal location for your office Squire Village Condo or business needs. Office suites catered No pets, newly painted, tiles, use of to your needs. Close to all major the pool, heat included. $875/mo highways. plus elec. Sec req’d. Sec. 8 OK Call 845-283-3623 Call 845-300-2998

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 GOSHEN/MIDDLETOWN LOC. 845-791-8808 or 516-984-8852

BEAUTIFUL 2 BDRM APT

Selling Your Home? Classifieds Get Results!

Apartments

WOODRIDGE Save your money for Holiday shopping with November rent on us* 2 bedroom avail. Free Heat, Hot Water MIDDLETOWN & Cooking Gas FURNISHED ROOMS 794-6660 All Utils. and Cable Included. *Qualified new applicants only Washer / Dryer and Kitchen On Premise WURTSBORO $550 Per Month $35 Application Fee Required Please Call: 845-325-8386

New kitchen, washer/dryer hook-up. 1 WALLKILL, HAMLET OF month security, references. $800/mo Charming Quiet Garden Apts Utilities not included. 845-548-9727 EIK, Washer/dryer on site, lease & security. Sorry no pets. STUDIO AND 1BEDROOM WURTSBORO $750 PER MONTH Several 1, 2 & 3 BR apts 201-953-5684 or 845-895-2791 $650, $750 & 850 /mo PLUS UTILITIES No pets. Security & first month our classifieds help bring required prior to move-in. readers to your door 845-888-8377 845-701-3049 Times Herald-Record

845

PINE BUSH

Apartments

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 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

Condos & Townhouses 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

MIDDLETOWN Avail. immediately. This townhouse has 3 Bdrms, kitchen, dining room, patio,1.5 baths, living room and driveway parking. Goshen Schools. Just minutes to Orange Regional Hospital, Shopping and all major Hways. First, Last rent. Sorry no pets, no smokers, Reasonable rent $1,450. Principals only. Call owner. 347-796-0089

Sell your home. E-mail

Rent your home or apartment.

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

WOODRIDGE

†1 BEDROOM † DAVOS POINT CONDO

With Washer/Dryer. No pets. Credit check required. Please Call 917-553-9992

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

Find Out What’s Happening in Your Town or Village Government

Read the

Public Notices Every Day

9E

Homes for Rent ALL AREAS Realtor Fee only $795 HOMES/DUPLEX 856 - 4400 $750-Sprwbsh-1BR Cottage-All util inc $800-Port Jervis-Maiden Ln-1BR Ranch $875-M-Town-2BR 2 stry Duplex- Nice $1000-Schola-3BR-1.5ba-rnch-No fee! $1050-Blmbrg-2BR-2BA-MINT-Garage $1075-Pine Bsh-2BR-2BA-dplx-w deck $1200-M-Town-2BR-2BA-Bttn Wd Tnhs $1200-Mill Rift-3BR rnch dplx-excl cnd $1250-Florida-2BR-2stry Duplx-FDR Yd $1275-Mtwn-3BR Dplx Irwin Av-Pet ok $1300-Greenvll-3BR-rnch-w/nice Deck $1300-Blmbrg-3BR-1.5BA-Frmhs-Porch $1300-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! $1300-Wrtsbro-3BR-2BA-MINT-3 Ac $1325-Mtwn-2BR-Luxry Cndo-Pl-ftnes $1375-Mtwn-3BR-2Ba Hse Nice Area $1400-Ellenvll-3BR-2.5Ba-Tnhs-Mint! $1475-Mtwn-2BR-2BA-Dlx cndo-ftness $1600-Waldn-3BR-2ba-Hse-porch-yrd $1850-Nw Wndsr-4Br-2ba-Great loc-yd Go to orangewestrealty.com Orange-West Realty 856-4400 BLOOMING GROVE

Ranch,fully renovated,3 bdrm, 1 bath,nice yard & parking $1,275-a mo + utilities & references + 1 mo secAvailable Nov. 1st Call 845-783-2290 CAMPBELL HALL 3 BEDROOM RANCH w/VAULTED CEILINGS 1 BA, 1.4 Groomed ac in beautiful quiet neighborhood. 2 car garage, 2 sheds, front porch, rear deck off EIK & W/D. Washingtonville schls. Close to train. Credit ck. $1,700/mo + utils, refs & 1.5 mo sec. 845-978-9700.

Sell your home. E-mail

realestate@th-record.com


10E

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

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

If it’s in the Hudson Valley, it’s on...

Looking for real local reviews for a new restaurant? How about a reliable plumber in the area? Whatever you’re looking for, you’ll find real, local results on HudsonValley.com

tReviews you can trust tBusiness Listings tAutos for sale tDaily Deals tReal Estate tClassifieds tLocal Jobs tCoupons tAND MORE!

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www.recordonline.com


www.recordonline.com Homes for Rent CHESTER

3 ROOM STUDIO $750/mo plus utils. 1 Month Security. NO PETS. Call 914-755-4253

Florida Great Schools, Spacious Fully Remodeled Large 3 BR Duplex in best part of town - plenty of off-street parking, washer/dryer hookup, outside yard space, lawn maintenance included as well as water and sewer. Available immediately. $1200/month Maureen 845-361-3842. GREENVILLE Very Private 4BR, 3 BA Ranch with SPECTACULAR panoramic views and inground pool! Huge LR, modern kitchen & separate dining room. $1795 month + security. Call 201.913.3295 Available immediately. Minisink Sch.

Sunday, October 27, 2013 ∂ TIMES HERALD-RECORD

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

Homes for Rent 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 Hurleyville Hurleyville - 2 bedroom house, full bathroom, full kitchen, living room, bonus room. On private lot. Fallsburg School District. $700 per month plus utilities. Security and References required. Immediately available. Miranda 845-701-9292 or 845-434-3908. MARLBORO

2 BEDROOM HOUSE

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

Homes for Rent

MARLBORO, TN MIDDLETOWN Private House, 3 BR & 2 BA Mount Hope. Minisink Schools, Completed renovated, w/basement, Nice house, Private setting, outdoor space, back deck overlooks lrg 4 Bedrooms, 3 Baths, Plus studio. pond perfect for relaxing. Open flr plan $1,700 per month btw Kit., DR & LR New kitchen. Incls. Plus 1.5 Month’s security. Fam. Rm on lower level w/frplc & dr Call 845-283-9394 to backyard. Near Rte 9W, mins to dwntwn Marlboro. No Pets/Smoking. $1750/mo. 845-988-7382 for appt. MOUNT HOPE/HOWELLS Beautiful 3BR home. New kitchen and applis. Located on a quiet piece of property. $1500/mo+ utils MIDDLETOWN (approx $300/mo) Excellent refs 3 Bedroom House required. Please call 845-590-4141 2 Bath, LR, DR & Kitchen. Enclosed Front Porch, Fenced in Yard. MT HOPE Includes W&D, Storage & Parking 2BD country cottage. Minisink Schools. No Pets - No Smoking Private rd. $875/mo+ util, sec, refs $1350 + All Utilities Cuddebackville nr211/209 2rm Proof of Income, Sec & Ref’s cozy cottage. $625/mo+util, sec, refs Call 845-386-4562 845-283-4660

Middletown COTTAGE FOR RENT - Very clean, excellent cond., large 1BR, 1BA cottage. Hardwood. Private setting outside town. Large yard. Back deck. No pets or smokers. Just painted. 800/mo + SELL YOUR HOME! utilities. References reqd. 1st, last & Call Today! your home or apartment one month security reqd. Call 845Call 845-341-1100, ext. 3600 email: realestate@th-record.com Call 845-341-1100 ext. 3600 239-0380.

Rent

Homes for Rent

Homes for Rent

Mobile Homes for Rent

11E

Rooms

WHITE LAKE Charming 3bd 2ba, den, f/place, hdwd flrs, zoned heat, central air, fin2 ½ baths, 1 car garage in Big Farm ished basemt, many amenities nearby, House. Very private and large yard for no pets, $1450+utils, 845-866-3253 kids to play. $1700. plus utilities. ALSO In-Law apt downstairs Wurtsboro Village Duplexes Kit, bdrm LR. Rent together for 3 bdrm 1 bath Bi-level Unit $2500. 914-403-2865 with garage, family room & 914-760--6757 laundry hook-up. Freshly

WURTSBORO: NEWBURGH, TOWN OF 2 BD., 2 BA Mfd. Home, $995./Mo FURNISHED ROOM + Util. Clean, Spacious & Quiet. Avail. Immed., Good Credit, Lease & Security In quiet area. Req. No Dogs (845) 888-4600

TUXEDO NY Sterling Forest State Park newly renovated lakefront home 3 bdrm,2 & 1/2 bath,fp,AC,$3000 +/ a mo also 1 bdmr cottage 1 & 1/2 bath great rm,AC-$1350 +/mo easy comm to NYC & NJ call-845-351-5907

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

PINE BUSH

9 ROOMS

painted with new carpet throughout. $1150/mo. RENTAL SERVICE (No Fee) 845-858-9979 www.rosewoodrentals.com

Mobile Homes for Rent

CIRCLEVILLE WEST TOWN Beautiful home/trailer located on EXECUTIVE DUPLEX nice piece of prop. New kitchen, car3 - 4 LARGE BEDROOM peting though out, 2 BR. $990/mo On 2nd level, walk up attic, plenty of + gas & elec. Excellent refs req. storage. 1.5 Bath, galley Kitchen., for- Call 590-4141 or 692-2121 NEW WINDSOR mal din, Liv rm, garage. $1975/mo + 3 BDRM BRICK RANCH Utilities. No Pets. Available Now! MIDDLETOWN LR, DR, EIK, yard. No pets/smokers. Beautiful neighborhood. Minisink 2 Bedroom Mobile home $1550/MO plus utilities. Schools. Call 845-283-1410 Private location, Closed in porch, 1st month rent, 2 months security. Covered patio, New bath. References & TRW. Sell your home. AVAILABLE DEC. 1ST $900/mo Plus sec & Utilities. E-mail realestate@th-record.com 917-972-1426 Call 845-386-1210

No-smoking, No-pets. Call 845-562-6329

Roommate Wanted WURTSBORO AREA

PLATTEKILL

SHARE HOUSE

Rooms

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 PORT JERVIS

FURNISHED ROOM

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

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

Close to All, Includes Everything. Private Bathroom/Parking. Mature, Responsible and Employed Preferred. $640 Per Month Please Call: 914-282-7412

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

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

Step into your future

GOSHEN, NY

$369,900 AND UP! OPEN HOUSE SAT.10/26 & SUN.10/27,12PM-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.

MONTGOMERY

$324,900 & UP!

Ellen Barrett 845-742-1131

MIDDLETOWN, OUTSKIRTS $365,000

OPEN HOUSE SAT & SUN 2PM - 4PM BEAVER DAM ESTATES - FREE GEOTHERMAL heat/ac/hw system.

Visit Marion Bruhns 845-744-8100

BALMVILLE, NY

$895,000

SARA CONSTRUCTION

845.344.5174 cell: 845-649-6108

NEWBURGH, NY

Diane Shumway 845.244.2121 / 914.475.1300 www.prudentialserls.com

$309,900

OPEN HOUSE SUN 10/27, 1- 4PM 10 PEACEFUL COURT, NEWBURGH, NY

THE PINNACLE Luxurious & new with amazing North & South Hudson River views. Classic 2-story home w/ grand entry, oversized deck, gourmet granite kitchen, 3-car garage. Elegant details throughout. Loaded with extras & situated in prime location. MLS#532655. Serls Prime Properties

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.

Agent: JANIS BORGUETA

Key Properties of the Hudson Valley 845-565-6100

845-527-7115

$216,500

OPEN HOUSE SUN 10/27, 10AM-12 NOON

MOVE RIGHT IN! 54 DEER CT. DRIVE, MIDDLETOWN, NEW YORK Price reduction! 3 BR, 2.5 baths Townhouse. Windows w/warranty, carpet upstairs, Hardwood floors down, S/S appliances w/warranty, granite counter tops. New hot water heater!.Community club house, pool, and tennis. Dir.: Rte 17M to county rte 78, Left on

Waywayanda Ave, 1st entrance right, second left at end #54

Thomas E. Griffith Realtors, Inc.

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

NEW WINDSOR, NY $260,000 OPEN HOUSE SUN 10/27, 12-3PM

115 GLENDALE DRIVE, NEW WINDSOR This well maintained 3/4 bedroom, 2 bath home features an updated kitchen with oak cabinets and skylight, newer furnace & h/w heater, roof, siding, windows, and C/A. Deck overlooks private yard with shed. Convenient location. Please visit this home TODAY..

NEW HOME READY NOW AT PEACEFUL COURT Stainless Appliances/Granite/Wallkill Schools/AC $309,900. TXT: 10PEACEFUL to (845) 208-8787 for more info and photos.

Dir: 300N - R ON FOREST - L- ON CRONK L ON PEACEFUL to end.

Ellen Barrett 845-742-1131

MIDDLETOWN, NY

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.

OPEN HOUSE SUN 10/27 11-44 PM

Dir: Rte 9W to rgt on Fostertown Rd to Balmville tree to lft on River Rd, follow to The Pinnacle on rgt.

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 SAT & SUN, 1-4 PM 38 DRAGO LANE

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.

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

Dir.:Route 94 or Union Ave to Erie to 115 Glendale Dr.

ERA CURASI REALTY 845-457-9174

Hosted by:Charlotte Westhausser Licensed RE Associate Broker 845-541-4225


12E

Sunday, October 27, 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 .50 .50

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 4.125 15-yr. Fixed 3.250 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 — —

— — — — — —

— — — — — —

4.237 3.362 3.237 4.112 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

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

Rate Pts. dn

Fees

APR

4.250 3.250 4.50 3.375 5.000

$145 $145 $145 $145 $145

4.270 3.278 7.367 3.063 5.622

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

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

— — — —

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

3.98 3.05 4.41 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.

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. 4.125 15-yr Fixed Conf. 3.250 5/1 ARM 3.750 SONYMA Low Interest 5.000 SONYMA Achieving the Dream4.250

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

ULSTER SAVINGS BANK

800-451-8373 EXT. 5002 4.168 3.289 3.365 5.023 4.272

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.

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 4.309 Please Call 5.302

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

ORANGE COUNTY TRUST CO.

15-yr Fixed 3.250 30-yr Fixed 4.250 FHA 30-yr Fixed 3.750

• 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.

10-yr 15-yr 20-yr

0 0 1 0 0

• Fixed and variable rates with choice of terms

30-yr Fixed Conf. 3.950 15-yr Fixed Conf. 3.000 30- yr Jumbo Non-Conf. 4.375 20-yr Conf. 3.875

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

4.250 3.375 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

4.279 3.415 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

3.500 4.250 3.125 3.375 4.125

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.560 4.325 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 27th, 2013  
Sunday, October 27th, 2013  

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

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