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CLASSIFIEDS Homes

E1 Times Herald-Record SUNDAY, NOVEMBER 24, 2013

Virtual staging adds electronic curb appeal The Philadelphia Inquirer

A

s Lenore Spinelli explains it, it’s just a piece of the business plan she’s been working on for the past 18 months, in the aftermatah of the real estate downturn. “Everyone in the industry is trying to reinvent themselves to get people’s attention,” said Spinelli, an interior designer whose plan is called “smooth transition” – a list of services to get people from one house to the next smoothly, whether they’re corporate relocations or aging longtime homeowners trading down or out. The owner of Lenore Frances Interiors in Mount Laurel, N.J., who said she has been “on my own” since 1998, emphasizes at the start that her “stressless-move concierge” plan is from Gail Doby of Design Success University in Colorado, tailored to her local market. There are a lot of pieces to smooth transition – and “I think that what I’m offering to real estate agents was perhaps a bit overwhelming,” she said. Fees range from $250

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to several thousand dollars. But one aspect has sort of caught on, and for a variety of reasons, it’s the most important related to price drops and equity losses when the housing bubble burst: Virtual staging. There’s plenty of evidence from real estate agents that houses with furniture and decor tastefully executed by professional stagers attract more prospective buyers than empty ones do.

Spinelli agrees, but added that she is not a “physical stager,” and that she uses professionals – “the right people with the right talents” – for that in her business. With virtual staging, Spinelli said, she visits an empty house or one that’s in need of updating, draws on her designer talents to capture the most important rooms photographically, then stages them digitally. “If the house is in need of work, what I try to

show is what it would look like with the necessary improvements, because it is very difficult for most people to visualize,” she said. One reality of selling in the digital age is that a large percentage of buyers sit at computers, sifting through hundreds of listings, to cut physical visits to a reasonable number. Another reality, as agent Nancy Schumacher of Re/Max Power Central in Medford, N.J., notes, is

that staging costs can be very expensive the longer a house remains on the market. “Not staging an empty house makes it look cold and less inviting, but not everyone in today’s market can afford the cost of doing so, especially when you add in the monthly expense of furniture rental,” said Schumacher, who has been using Spinelli’s virtual efforts for one of her listings, a $500,000 house owned by a couple who moved to North Carolina and left it empty. “It is the electronic version of curb appeal,” Schumacher said, adding that activity picked up in the first three weeks of the virtual staging. The cost is $198 an image, which comes with an unlimited licensing fee for use in brochures. On the Multiple Listing Service, the house must be identified as digitally staged. And when prospective buyers make a real visit? “Lenore gives you 8-by-10s you put in each staged room, so they don’t have to remember what it looked like,” Schumacher said. MCT Direct

A Mast Masterwork rk H Home Co Community it

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


2E

Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

All Full Time REALTORS® At Your Service

Find your home in the Hudson Valley

Thank you for your continued business & referrals. We wish everyone a Happy & Healthy Holiday Season!" LYRA BLUMENTHAL PATTI BRAMALL Lic. RE Associate Broker Lic. RE Associate Broker Direct: 845.728.9940 Direct: 845.590.3371

DONNA BRUNELL Lic RE Associate Broker Direct: 845.527.7779

KATHLEEN CARHART LINDA CHEVALLIER KIM CHIAPPERINO Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Direct: 914.213.3141 Direct: 845.863.3412 Direct: 845.781.3955

DANIEL B. CLARINO Lic. RE Broker 845.565.0004 x305

REBECCA FAUBERT RICH FROEHLICH JACKIE FUNCK FRANK GERBES GEORGE KOUDOUNAS ASA LENNON MARY LIEGEY Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Direct: 845.401.4685 Direct: 845.774.6397 845.565.0004 x306 845.565.0004 x346 Direct: 845.913.8247 Direct: 845.978.8560 Direct: 914.489.3911 TANYA MAKAN Lic RE Salesperson Direct: 845.742.8391

MICHAEL REIS Lic RE Associate Broker Direct: 845.401.2381

ANTHONY RUSCITO, JR Lic RE Associate Broker Direct: 845.978.8700

HV HOME TEAM

Direct: 845.510.8063 MARTY REMO Lic. RE Associate Broker Team Leader COLIN SEITZ Lic. RE Salesperson Team Member FRANK CAFARCHIO Lic. RE Associate Broker Team Member

GINA DECERBO HANNELORE CONLEE Lic. RE Associate Broker Lic. RE Associate Broker Direct: 914.213.3363 Direct: 845.551.8701 TRACY LOCKHART Lic. RE Salesperson Direct: 845.235.6333

DOMINICK TUFANO DEBBIE SCHIRALDI SHEILA SELVAGE LENA SILK SUZANNE SWEENEY MARILYN THOMPSON Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Lic. RE Associate Broker Direct: 914.443.7622 Direct: 845.781.3420 Direct: 845.313.3283 Direct: 845.325.7039 Direct: 914.213.3149 Direct: 914.213.2165

SOLD MATES TEAM

THE MILICH TEAM

JANET DELGADO Lic. RE Associate Broker Team Leader Direct: 845.629.0841 JOANNE TIMPERIO Lic. RE Associate Broker Team Member Direct: 845.258.8298

www.Facebook.com/ REMAX Benchmark 3 convenient locations

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

EYDIE LOPEZ Lic. RE Associate Broker Direct: 914.906.2890

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

KATHLEEN MILICH Lic. RE Associate Broker Team Leader Direct: 845.527.0830 LAUREN CITO Lic. RE Associate Broker Team Member Direct: 845.542.3062 JEANETTE SMITH Lic. RE Associate Broker Team Member Direct: 917.968.7113

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


Homes for Sale

Custom Home Builders

AFFORDABLE QUALITY HOMES MIDDLETOWN 28 Yrs Exp. Custom Modulars Prime location visible from Rte. 211. In-House Site Work Pkgs Available. Office building with ample parking suitAdditions too. Free Prop Consults able for professional services, real es- Free Info Packet & Design Service tate, beauty parlor, food service or 845.856.4310 your retail specialty. $125,000. Call Ed Gatzen at John J. Lease Realtors @845-344-2800.

NEWBURGH/MARLBORO

4 Homes For Sale By Builder 2 - New Bi-Levels - 2,000 SF 3 Bed, 3 Bath. Marlboro 1 - 4,200 SF Home 5 Bed, 4 Bath. Newburgh 1 - 4,100 LG Home 4 Bed, 3 Bath. Newburgh

www.ButlerHomesInc.com

Condos & Townhouses for Sale MIDDLETOWN

3 BEDROOM TOWNHOUSE $1,300 Per Month + Utilities Security & Ref’s Required Please Call: 845-800-3441 Custom Home Builders 2012 AWARD WINNER FOR BEST MODULAR HOME IN THE HUDSON VALLEY! Highest Quality Modular Homes UNLIMITED Customization and Options Hudson Valley Home Source 845-294-5663 www.HVHomeSource.com

Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD

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

Commercial & Industrial Property for Sale

All House 1 + Acre, Many Extras Bi-Levels $300,000 Others Homes $400,000 Builder will Finance with Down Payment. Please Call: 845-236-7503

Homes for Sale

CRAWFORD 4 BR, 2 BA, remodeled kitchen and bath, 1.1 acres, fenced in back yard, Low taxes, $175,000, (845)2190364. OTISVILLE

3BR 1 BA HOUSE

MONROE

1 BEDROOM HOME MODERN CONVERTED CHURCH 3 Levels & 1 Bath on Private Estate. BEAUTIFUL SURROUNDINGS $1,250 + UTILITIES Access to 100 Acres for Walking, Hiking or other Activities 845-783-8172 or 845-774-3389

Sell your home.

E-mail realeaste@th-record.com

Homes for Sale

Land

WALDEN ESTATE SALE DISCOUNTED/Immediate Action. Best offer over $149999. 2fam hs & lg barn1ac. Can subdiv to 3 lots. Live in/invest/must see! ASAP 778-2263 Wolfe Realty 219-5674

GETAWAY CABIN – 5 acres - $59,900 3,000 ac State Land, snowmobile trail, 2 hrs NY City, 1/2 hr Albany! Add’l land also avail! NO CLOSING COSTS! Call (888) 473-0590 www.newyorklandandlakes.com

WESTPORT-ADIRONDACKS 1335 sq ft, 4.4 acres, 4 bdrms, 2 bthrms, gas fp, unfin. bsmt., new windows, roof, furnace, water heater & water tank, kitchen. Att. 2 car gar, with addtl. att. 2 car carport. Sep. gar w/water & elect. 5 min’s to State boat launch on Lake Champlain, & Amtrak station, close to Plattsburgh, Lake Placid. Excell. school system for $199,000 Contact Kathleen/Tom (518) 962-8539 -motivated seller!

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

HIGHLAND MILLS/WOODBURY TIMBERLAND INVESTMENT! 60 acres - $99,900 G’teed income, adjoins State Land, New 2013 Single or Double Wide nice views, stonewalls, 2 hrs NYC, ½ 3 bdrms, 2 full bths, decks included hr Albany! Financing available NO CLOSING COSTS! Easy commute Call (888) 457-9099 NOW 845-928-6769 ∂ 845-699-0990

Lakeside Village

Manufactured Homes for Sale MIDDLETOWN/GREENVILLE

W/1½ CAR GARAGE New siding/roof,/windows. RemodCOZY COMMUNITY!!! Land eled kitchen. New appls incl. BEAUTIFUL 3 bedroom homes washer/dryer. LR, DR, Minisink CATSKILL MTN MINI FARM ! with expanded living space! Schools OR CAN BE RENTED. Ideal Family Homes 35 acres - $149,900 201-602-5034 Starting at $19000. Farmhouse, barn, pond, stream, Buy Now for a springs, gorgeous views! Near Delhi, 2 FREE MONTHS OF SITE RENT! less than 3 hrs NYC! Call Roseanne at 845.356.3196 Owner terms avail! Washingtonville Manor (888) 804-4988 East Avenue, Washingtonville Call 845-341-1100 ext. 3600 Rent your home. Call 845-341-1100 ext. 3600 www.bayshorehomesales.com

Rent your home or apartment.

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

Rent

Manufactured Homes for Sale MONTICELLO KINNEBROOK HOMES 16X76 3BD 2BA AC $54,900* 14X602BDa/c shed porch $39,900* 28X44 3BD, 2BA AC Shed$35,900* 28X58 3BD, 2BA AC Shed$84,900* 28X60 Loaded c/vacuum $83,900* Visit Our NEW Model Center 351 Rt 17B Monticello NY 845-423-0530 *Plus taxes & fees NEW WINDSOR

SINGLE or DOUBLEWIDE

Homes for Sale. Walter’s Mobile 958 Little Britain Road 845-564-1993

PORT JERVIS Huguenot Estates Homes for Sale * 2BR, 1 BA 980 sqft $12,000.00 * 3BR, 2BA 1216 sqft $19,900.00 * 3BR 1 BA Handyman Special $8,000 *2BR, 1 BA Call for Info 845-856-4545.

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

WASHINGTONVILLE/HARRIMAN

LOVElY PRE-OWNED

2BD, 1BA Single-wides in perfect condition. Make an offer. $20,000 & up

845-496-1121 WASHINGTONVILLE

NEW!!

2BD, 2BA, 14x70, $55,900 3BD, 2BA, 20x60, $85,900 www.brooksideacres.com 845-496-1121 WURTSBORO: 2BD, 2BA, 16’x68’, Central AC, Deck, Awning. Like New $29,900. 3BD, 2BA, Insulated Porch w/Heat & AC, Exc. Cond. $24,900. Fin Avail on Both Homes w/10% Down. Call 888-4600

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H U D S O N VA L L E Y

3E

Manufactured Homes for Sale

343.7000

845

www.recordonline.com

.com/homes

BALMVILLE, NY

$895,000

OPEN HOUSE SUN 11/24 11-44 PM

Step into your future GOSHEN, NY

$369,900 AND UP!

HIGHLAND FALLS

OPEN HOUSE SAT.11/23 & SUN.11/24,12PM-3PM

Contact: Maureen at: 203-434-0427

Ellen Barrett 845-742-1131

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.

MONTGOMERY

Ellen Barrett 845-742-1131

TOWN OF NEWBURGH

$324,900

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

Unique 2380 sq.ft. New Bi-level. 4 BRs, 3BAs. Features Living area w/ gas fireplace. Gorgeous granite kitchen w/custom U-shaped island & breakfast bar. Recessed lighting, hardwood & wide 42” hallway. Master suite w/beautiful tray ceiling, walk-in closet, double vanity & oversized tiled shower w/Spa Jets. Lower level bedroom, full bath, walk-out family room & laundry. C/A, 2-zone heat, large 2-car garage & paved driveway. 20 minutes to I84, I87 & Metro North Trains.

845-566-1777

Call Rich, 845-542-1169

Dir.: Rt. 211W, right on Bert Crawford Rd., right on Silverlake-Scotchtown Rd., Immediate left after overpass onto Mud Mills, left on Cottage, left into Wildflowers. Left on Juniper #30. See Signs

CAREFREE LIVING IN “WILDFLOWERS” 30 JUNIPER CIRCLE, MIDDLETOWN Immaculate 2 BR, 2 Bath ranch built in 2012. Many upgrades! Top of the line cabinets, granite counters, and s/s appliances. Formal DR has crown molding and chair rail. Large LR leads to 10X20 patio. Luxurious MBR suite has 2 walk in closets and large Mbath. Bonus room. Clubhouse, 2 pools & fitness center await you!

Neil Caplan Realty 845-831-6346

Thomas E. Griffith Realtors, Inc.

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

NEWBURGH, NY PRICES START AT $239,000 BUILDERS OPEN HOUSE HOLIDAY SAT & SUNSPECIAL NEXT SALE INCLUDES A BRAND NEW CAR Luxury Townhomes. Includes oak cabinets, GE appl Farmis Townhomes & KolerLawrence fixtures. This model located on Pinto Rd. #35. Come EVERY visit Ellen at the Open House! OPEN SAT & SUN 12-3pm Stop in for details. WEB# 549813

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

Visit Marion Bruhns 845-744-8100

TOWN OF WALLKILL

OPEN HOUSE SUN 11/24, 1-4PM GRAND 1862 CARRIAGE HOUSE 47 WILLOW LANE

2 MADISON ROSE COURT, TN/NEWBURGH, NY

$339,000

Dir: Rt 52 to 2nd Meadow Winds Entrance to Orleans

NEW WINDSOR, NY

OPEN HOUSE SUNDAY 1-4 PM

Dir: From Newburgh, Rt. 9W (N). (L) on Lattintown Rd. (R) at stop sign. Go approx. 1 mile to (L) on Candlestick Hill Rd. (R) on Madison Rose Ct. see sign.

$324,900 & UP!

OPEN HOUSE SAT & SUN 1PM - 3PM BEAVER DAM ESTATES - FREE GEOTHERMAL heat/ac/hw system.

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

www.prudentialserls.com

OPEN HOUSE SUNDAY 11/24 1PM-3PM

Address: 16 Homestead Avenue 4 Bd, 2½ ba, mature gardens Highland Falls, NY 10928 Wine & Beverages Will be Served

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!

Diane Shumway 845.244.2121 / 914.475.1300

MIDDLETOWN, NY

Maureen@HudsonValleyPrestige.com

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

Serls Prime Properties

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

OPEN HOUSE FOR VICTORIAN GEM SUNDAY, 11/24 FROM 2:00 - 4:30PM

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.

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.

Feel the Music in this Grand 1862 Carriage House owned by renowned Opera Singer. Artist/Professional Live Work, Grand great room, 2 WBFP, 3200 sq feet, 5 BRs, 2.5 B, 3 car garage, Bonus 1300sq ft loft, Guest Cottage 3 acres Park Setting. Make your music in this unique home.

$339,900

OPEN HOUSE SUNDAY 11AM-3PM

Dir: Cty Rt 78, L on Cty Rt 11, R on Shawangunk, R on Tally Ho, R on Mapes to Restorative Estates entrance on LEFT.

27 Restorative Estates Lot # 6 - Private level home site on 2.7 acres in the prestigious Restorative Estates subdivision. Feats 4 bedrooms, 2.5 baths, hardwood floors throughout, fireplace & central a/c. Full length front porch w/cultured stone siding & full walk out basement. The kitchen boasts 9’ ceilings, maple cabinetry & granite countertops. Master suite w/walk-in closets, tray ceilings, Jacuzzi tub & full size tiled shower. A heated garage & back deck, all located in the Minisink Valley S/D.

Call (845)381-5777 www.RealtyPromotions.net

726 East Main St. Suite 202 Middletown, NY 10940


4E

Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD

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

www.recordonline.com

HudsonValley.com HOMES

Recent sales

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

GLEN SPEY $110,000; County Highway 31, 3 BR/2 BA ranch, 1520 sf, 2.99 ac, blt 1973, LA: Century 21 Geba Realty, Sparrowbush/SA: Century 21 Geba Realty, Sparrowbush

HIGHLAND MILLS $455,000; Gladstone Court, 4 BR/2.1 BA colonial, 2554 sf, blt 2003, LA: Monroe Realty Center, Inc., Monroe/ SA: Better Homes and Gardens Rand Realty, Central Valley

HURLEYVILLE $73,500; City Highway 104, 3 BR/1.1 BA twostory, 1128 sf, 4.04 ac, blt 1919, LA: Keller Williams Hudson Valley Realty, Middletown/SA: Keller Williams Hudson Valley Realty, Middletown

MIDDLETOWN $155,000; Lincoln Street, 4 BR/2 BA two-story, 1554 sf, blt 1920, LA: John J. Lease Realtors, Middletown/SA: Better Homes and Gardens Rand Realty, Goshen

MONROE $349,000; Cunningham Road, 4 BR/3.1 BA colonial, 2500 sf, blt 1987, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: Monroe Realty Center, Monroe

MONROE $400,000; Southfield Falls, 3 BR/2.1 BA colonial, 1582 sf, blt 2013, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

GOSHEN $477,000; Gabriella Terrace, 4 BR/3.1 BA colonial, 3148 sf, 2.1 ac, blt 2009, LA: RE/MAX Benchmark Realty Group, Middletown/SA: Weichert Realtors, Monroe

HUGUENOT $164,500; Big Pond Road, 3 BR/2 BA ranch, 1248 sf, 3.1 ac, blt 2008, LA: ERA Curasi Realty, Montgomery/SA: Century 21 E&M Williams Realty, Walden/Montgomery

MAYBROOK $265,000; Homestead Avenue, 2400 sf, blt 1988, LA: ERA Curasi Realty, Montgomery/ SA: ERA Curasi Realty, Montgomery

MIDDLETOWN $222,000; Marcy Lane, 4 BR/1.1 BA bi-level/ high ranch, 1732 sf, blt 1969, LA: RE/MAX Benchmark Realty Group, Middletown/SA: Prudential Peters Realty, Monticello

MONROE $175,000; Nininger Road, 2 BR/1 BA contemporary, 1068 sf, 1.2 ac, blt 1979, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Keller Williams Realty, Highland Mills

MONROE $306,900; Veteran Circle, 4 BR/2 BA two-story, 2116 sf, blt 1977, LA: RE/ MAX Benchmark Realty Group, Central Valley/ SA: Weichert Realtors, Monroe

GRAHAMSVILLE $75,000; Denman Mountain Road, 6 BR/4 BA multifamily, blt 1968, LA: Prudential Peters Realty, Monticello/SA: Prudential Peters Realty, Monticello

HUGUENOT $80,000; Forest Drive Lakewood Estates, 4 BR/2 BA mobile home, 1400 sf, blt 2000, LA: Orange-West Realty, Port Jervis/SA: ERA Meloi Realty, Port Jervis

MIDDLETOWN $222,000; Dundee Circle, 4 BR/2.1 BA two-story, 1872 sf, blt 1967, LA: John J. Lease Realtors, Middletown/SA: Absolute Real Estate of New York, Inc., Goshen

MIDDLETOWN $227,500; Miller Heights Road, 3 BR/1.1 BA ranch, 1472 sf, blt 1957, LA: John J. Lease Realtors, Middletown/SA: Non-MLS Broker, Further info n/a

MONROE $339,000; Pearsall Drive, 4 BR/2.1 BA colonial, 2200 sf, blt 1979, LA: ARC Realty #1 in Sales, Monroe/SA: ERA Curasi Realty, Montgomery

MONROE $159,900; West Mombasha Road, 3 BR/2 BA Cape Cod, 1400 sf, 1 ac, blt 1950, LA: ARC Realty #1 in Sales, Monroe/SA: Weichert Realtors, Suffern

HIGHLAND MILLS $600,000; Alloway Crest, 5 BR/5 BA colonial, 4000 sf, blt 2004, LA: Monroe Realty Center, Inc., Monroe/SA: Weichert Realtors, Monroe

HUGUENOT $150,000; Skinners Lane, 3 BR/2 BA ranch, 1664 sf, 2 ac, blt 1955, LA: Orange-West Realty, Port Jervis/SA: Orange-West Realty, Port Jervis

MIDDLETOWN $98,000 Jimal Drive, 3 BR/2.1 BA town house, 1245 sf, blt 1989, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, Monroe/Woodbury

MIDDLETOWN $160,000; Pocatello Road, 3 BR/1 BA Cape Cod, 1500 sf, 2 ac, blt 1957, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: RE/ MAX Benchmark Realty Group, Middletown

MONROE $330,000; Prospect Street, 4 BR/3 BA bi-level/ high ranch, 2600 sf, blt 2006, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: Better Homes and Gardens Rand Realty, Central Valley

MONTGOMERY $215,000; Fedorko Lane, 3 BR/2.1 BA ranch, 1700 sf, blt 1989, LA: Keller Williams Realty, Highland Mills/SA: RE/MAX Benchmark Realty Group, New Windsor


www.recordonline.com

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

Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD

5E

HudsonValley.com HOMES

Recent sales

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

MONTICELLO $100,000; Madeline Lane, 4 BR/2.1 BA ranch, 2484 sf, blt 1955, LA: Prudential Peters Realty, Monticello/SA: Prudential Peters Realty, Monticello

NEWBURGH $174,720; Williams Avenue, 3 BR/1.1 BA ranch, 1816 sf, blt 1962, LA: Smitchger Realty, Cornwall/SA: RE/MAX Benchmark Realty Group, New Windsor

NEW WINDSOR $265,000; Chestnut Drive, 4 BR/2 BA Cape Cod, 1824 sf, blt 1948, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Century21 E&M Williams Realty, Walden/Montgomery

PORT JERVIS $170,000; Route 209, 3 BR/2 BA colonial, 2032 sf, 1 ac, blt 1967, LA: Better Homes and Gardens Rand Realty, Monroe/ Woodbury/SA: Better Homes and Gardens Rand Realty, Goshen

WALDEN $166,500; Albany Post Road, 3 BR/2 BA Cape Cod, 1344 sf, blt 1935, LA: RE/MAX Benchmark Realty Group, Middletown/SA: Linda Czubak Realty, Warwick

WARWICK $540,000; Ryan’s Way, 3 BR/2 BA colonial, 2615 sf, 2.2 ac, blt 2002, LA: Regal Homes & Properties, LLC, Warwick/SA: Better Homes and Gardens Rand Realty, Warwick

NANUET $320,000; Wedgewood Parkway, 2 BR/2.1 BA town house, 1497 sf, blt 1997, LA: Better Homes and Gardens Rand Realty, Monroe/Woodbury/ SA: Better Homes and Gardens Rand Realty, New City

NEW HAMPTON $218,800; Gardnerville Road, 3 BR/2 BA ranch, 1666 sf, 1.5 ac, blt 1989, LA: RE/MAX Benchmark Realty Group, Middletown/SA: Better Homes and Gardens Rand Realty, Goshen

NEW WINDSOR $309,000; Colonial Drive, 4 BR/2.1 BA colonial, 2808 sf, blt 2003, LA: RE/ MAX Benchmark Realty Group, New Windsor/ SA: Better Homes and Gardens Rand Realty, Central Valley

PORT JERVIS $40,000; Mary Ann Avenue, 2 BR/1 BA mobile home, 560 sf, blt 1965, LA: RE/MAX Benchmark Realty Group, Middletown/SA: ERA Meloi Realty, Port Jervis

WALDEN $340,000; Decker Drive, 4 BR/2.1 BA colonial, 2100 sf, 1.3 ac, blt 2002, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: RE/ MAX Benchmark Realty Group, New Windsor

WHITE LAKE $150,000; Hilltop Road, 5 BR/2 BA contemporary, 1300 sf, blt 1962, LA: Malek Properties, Bethel/ SA: Malek Properties, White Lake

NEWBURGH $180,000; Fostertown Road, 5 BR/1.1 BA colonial, 2500 sf, 1.5 ac, blt 1890, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: RE/ MAX Benchmark Realty Group, New Windsor

NEW WINDSOR $200,000; Benedict Lane, 8 BRmultifamily, 1.4 ac, blt 1940, LA: ERA Curasi Realty, Montgomery/ SA: ERA Curasi Realty, Montgomery

NEW WINDSOR $475,000; Rolling Ridge, 5 BR/3 BA colonial, 3260 sf, blt 2004, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Better Homes and Gardens Rand Realty, New Windsor

SLATE HILL $344,900; Post Road, 4 BR/2.1 BA colonial, 2187 sf, 3.7 ac, blt 2013, LA: Realty Promotions Inc., Port Jervis/SA: Realty Promotion s Inc., Port Jervis

WALDEN $180,000; Pond Hill Lane, 3 BR/2.1 BA town house, 1576 sf, blt 2001, LA: John J. Lease Realtors, Middletown/SA: ARC Realty #1 in Sales, Monroe

WHITE LAKE $225,000; Lake Shore Drive, 4 BR/3 BA ranch, 2225 sf, blt 1956, LA: McKean Real Estate Inc., White Lake/SA: Prudential Peters Realty, Monticello

NEWBURGH $196,392; Gail Place, 4 BR/2 BA split-level, 1488 sf, blt 1985, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Barbara A. DeMaro, Wallkill

NEW WINDSOR $120,000; Buttonwood Drive, 4 BR/1.1 BA ranch, 2313 sf, 1.3 ac, blt 1959, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: RE/ MAX Benchmark Realty Group, New Windsor

PINE BUSH $62,500; Hill Ave and Searsville Road, Vacant land, residential, 1.3 ac, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: Rita Levine Real Estate, Wallkill

SPARROWBUSH $181,500; Old Cahoonzie Road, 3 BR/3 BA raised ranch, 1665 sf, 2.4 ac, blt 2007, LA: John J. Lease Realtors, Middletown/SA: Century 21 Geba Realty, Sparrowbush

WARWICK $159,974; Cascade Road, 1 BR/1 BA cottage, 900 sf, 1.9 ac, blt 1950, LA: RE/ MAX Benchmark Realty Group, Middletown/ SA: Better Homes and Gardens Rand Realty, Warwick

YULAN $230,000; Summit Drive, 4 BR/2.1 BA contemporary, 2326 sf, 5.03 ac, blt 1989, LA: McKean Real Estate Inc., White Lake/SA: McKean Real Estate Inc., White Lake


Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD Real Estate Services

PAUL L. MARKS, ATTORNEY Real Estate Closings & Short Sales, Refinance & Mortgage Modifications, Foreclosure Defense; Reasonable Rates 201J Ward Street, Montgomery, NY Serving Orange, Sullivan & Ulster - (845) 457-1003

Apartments

ALL AREAS Realtor Fee only $595

APARTMENTS 856 - 4400 $600-Port Jervis-Studio-Incl Heat/HW $625-Hugunot-1BR Apt w/ W/D Yard $650-Mtamoras-1BR-Mint Apt- 2nd Flr $700-Mtwn-Frnsh Studio- ALL Utils incl $775-Pond Eddy-Exective-studio w gar. $800-Prt Jrvs-2BR-2Story dplx-Vry Nice $800-Blmbrg-1BR-Beautifl 1stfl-Big yd $850-Prt Jrvs-Executive-1BR apt-Nice! $850-Sprw Bush-B’tiful 2BR-1stfl-cntry $850-Port Jervis-2BR-2ndFl- Very Nice $850-M-Town-Mint-Huge-1BR-Lk New $850-Huguenot-2BR-2ndFl-Yrd-Carport $892-Port Jervis-3BR-West End-NR prk $875-Prt Jvs-Mint-big 2BR-1st w/d hu $900-M-Town-Lg 2BR-2ndFl-Wickham $900-Pine Bush-2BR-2ndFl- Nice Place $900-Mtmoras-2BR-2Flr Apt-Very Nice $900-Port Jervis-2BR-Quiet-Incl Ht HW $900-Slate Hll-1BR-1stFl Apt-Inc all util $950-Huguenot-3BR-1st Fl-Prch Carprt $1000-Mtmras-Mint 2BR-W/D HU $1000-Prt Jrvs-Huge 3BR-2nd Fl-Mint! $1050-Mtwn-2BR Apt inc Ht&HW-nice $1200-Eldred-3BR-2Ba-dplx-Inc all utils $1300-Goshn-2BR-1stFl-inc-All util C/A Go to or ange -westrealty.com Orange-West Realty 856-4400 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 Bullville large 1 bdm $900/mo + utils. Pine Bush area, lg 1 bdrm $900/mo; also 2 bdrm apt, $900/mo. No utils included 845-361-4997 for info

SELL YOUR HOME! Call Today!

Apartments

GOSHEN CALLICOON, SULLIVAN CNTY 1 & 3BR LUXURY APTS Zip 12723 On mountain side overlook55+ SENIOR COMMUNITY ing 30 mis. Near Villa Roma Resort. Master br /jacuzzi /priv deck /ba 1 & 2 BDRM STARTING AT $876 heat /fireplace /lrgdeck, d/w, w/d hook- & hot water included! On site mainteup & more. SL W. School Dist. start nance & laundry facility. Beautiful & ing @ $695/mo+util.sm Pets ok No spacious apts. Call Today! Offering smoker 800-926-2459. 291-1211. EHO CHESTER

1 Month Free Rent

QUIET COMPLEX 1 FREE MONTH RENT

Just off Exit 126, Rt 17. Prvt entrance. Laundry & private storage unit on premises. Studio $925/mo incld utils. 1 BDRM $1,110 plus util. No dogs. Call 845-639-6612

1 BEDROOM APT

No pets. Heat & hot water included, Off-street parking for 1 car. $900/mo plus security deposit. References needed. Contact Georgette 352-633-2084 or email georgettepallor@yahoo.com

Sell your home.

Advertise in the Times Herald-Record.

Town of Deerpark

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 the master bedroom w/private bath is complete w /Jacuzzi Tub. Full basement and 10X20 back deck finish this amazing brand new home. House complete.

www.RealtyPromotions.net

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.

Carriage Hill Apartments

FHOMES atured Now $199,900

GOSHEN

CITY OF NEWBURGH 2BD hw inc $900/mo+ Security 2Bdrm $650/mo+ Security 2BD Marlboro country setting $875 GOSHEN/Goshen Schools Mid Valley Property Mgmnt Monday - Friday Welcome Home! First month 845-565-1138 rent free! Beautifully updated kits & baths.1 & 2bd apts. Inc ht & hw, CORNWALL & laundry on site. Storage avail. 2 BEDROOM APARTMENT pool Great loc. Near Rt 17/84/87. Short $1,100 Per Month term leases avail. Call 845-294-9524 1 Month Security Required www.bottiniproperties.com Hot water Included, Off Street Parking, Laundry on Premise, No Pets. GOSHEN Call: 845-728-9209 NEW KITCHENS, NEW BATHS NEW BRIARWOOD APTS CUDDEBACKVILLE Near 211&209 Raised maple panel cabinetry, Moen COZY STUDIO COTTAGE hi arc faucet, Harbor Breeze 52" $600mo+ utils. Coin operated w/d on ceiling fans, laminate granite premises. Small pets ok. Security & cntertp, simulated oak flring, DW, refs. 845-283-4660 over the range Whirlpool microwave. And that’s just the EIK. Area best Goshen schools. Next to beautiGLENWILD, NY ful Salesian Park.1-2BR & spacious LAKE FRONT APTS 1BR+ den/office/BR 1, 2 & 3BR $500, $650, $800 BRIARWOOD HOUSE APTS 20 Mins From Middletown!! All 18 Craigville Rd⁄ 914-450-4496 elec (not included) apts. Last www.briarwoodhouseapt.com month, Security, lease, "NO dogs". 9-5pm; 845-434-5442 lv msg GOSHEN

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

$59

Apartments

Apartments LIBERTY, NY

Valley View Gardens

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

MIDDLETOWN

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

MARLBORO

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

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

Call (845)381-5777

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

Apartments

Greenwood Lake 2 bdr 1 ba Close to NYC bus. Heat/Hot Water incld. Full Kitchen. No pets $1,300 per Month. One month sec and refs required. 845-477-2695. 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 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 HIGHLAND FALLS

2 BEDROOM APARTMENT

Eat-in-Kitchen, 1 Bath, W/D Hook-up. $1,025 Per Month + Security Heat & Water Included. No Pets. Please Call: 845-598-6871

HIGH POINTE SENIOR APTS. Now Renting 1 & 2 Bed Apts. $875 & $1,000 inc Heat/Hot Water Sign Your Lease Before Jan 1st to Receive a $250 MOVE IN BONUS Call 845-565-7131 for More Info and Visit us at Highpointeapartmenthomes.com LIBERTY

Liberty Manor Apartments Stay warm in the winter & cool in the summer 1 & 2 bedroom available Free Heat/Hot Water

Call Now 794-6660 Sell your home. E-mail realestate@th-record.com

2 ROOM STUDIO

$210/wk. or $750/mo plus sec. Full kit & bath. Pvt entrance, country setting. Ground flr accommodations.

INCLUDES UTILITIES

Call 845-236-7422

MATAMORAS, PA

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

MIDDLETOWN 1 BEDROOM $850/mo No off-street parking. 3 BEDROOM $1,200/mo Off-street parking for 1 car. Available 12/1 Plus Sec & Utilities. No Pets 845-744-6350

MIDDLETOWN

EVERGREEN MANOR APTS Immediately available Spacious 1 BR

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

MIDDLETOWN FREE WI-FI

2 BEDROOM $1067 - $1132 Heat/HW & Cooking Gas Incld Fully equipped kitchen with DW Wall to Wall carpeting Patio / Balcony with unit EZ access to Rt. 17 & 84 845-343-0300 92 Fitzgerald Dr, Middletown

www.recordonline.com

MIDDLETOWN

MIDDLETOWN

Fall Rent Specials Brand New Construction Luxury Apartment Homes One Bedroom apts from $1,325. / Two Bedroom apts from $1,495. 1-2 month free rent on select apts Individual Controlled Central Air/ Heat Washer / Dryer in each apt Free Private Fitness Center Club Room Playground / Half Basketball Court 888-997-2149 www.northwoodsny.com 300 Northwoods Rd Middletown NY 10940 (Rt 211 to Silver LakeScotchtown Rd) MIDDLETOWN, NY 1 & 2 BR APARTMENTS ROCKWOOD GARDENS Apts "Get them while they last! " Check our website: rockwoodgardens-apts.com 845-692-2939 Mon - Fri 9-5; Sat 9-3 MIDDLETOWN, NY

Silver Lake Gardens Studio 1-2-3 BR

Unbeatable value, service & loc.

2 Bedroom Apts

MIDDLETOWN/SCOTCHTOWN

1 bdrm apt MIDDLETOWN

FULLY RENOVATED APARTMENTS

All utilities included

VERY PEACEFUL AREA FRESHLY PAINTED Non-smoker & No pets. $750/mo. Call 845-692-4054

Best Location! Highland Park Mgmt. Jacuzzi, Bidets, SS Appliances, UnderStarts at $1080 & up - Includes heat, mounted Sinks, Granite Countertops, MIDDLETOWN/SCOTCHTOWN hot water, a/c, dishwasher, w/d. W/D, Central Air, Sprinkler, etc. 1BR $950 Z 2BR $1,250 2 BEDROOM Call 845-978-5493. 3BR with 3Bths $1,450 2 Full Bath, New Kitchen and Baths. (Must fill out credit app.) È (718) 728-7939 È Wall to Wall Carpet or e-mail: polonia777@aol.com Washer Dryer Included MIDDLETOWN Close to ORMC & Shopping. No Pets. Middletown - Goshen Schools 2 BEDROOMS Security and References Required $1,275 Inc Heat & Hot Water washer/dryer, dishwasher, new wood Please Call: 845-661-4371 floors. No pets. $1,150/mo. Security & References Super Special 914-391-5428 MIDDLETOWN/Scotchtown Lg, Beautiful 1BR, 2 Lg Walk In ClosCOUNTRY SQUIRE APTS ets, Private entry, newly renov with 1BD Apt, lg spacious living rm, dinnew kit, Exc cond Heat/HW, incl. MIDDLETOWN ing rm and bedroom area. Brand Call 845-590-4141, 692-2121 2 BR 2nd FLOOR APT. PROSPECT New renov’d kit & bath Pets ok. AVE NEAR EAST MAIN ST. EAT-IN 845-590-4141 or 845-692-2121 KITCHEN, W/D HOOK-UP, OFF MIDDLETOWN STREET PARKING. $1000. PLUS Heat & Hot Water Incl. MIDDLETOWN/SLATE HILL UTILITIES, 845-283-7200 Pool, on-site laundry, Easy 1 BEDROOM APARTMENT Commute, Close to Shopping. MIDDLETOWN Country Setting, LG Living Room. ∂3 BDRMS $875 Per Month + Security $1275/mo. (1 1/2 mo Sec.) All Utilities Included. Small Dog or One Cat Ok SM STUDIO WITH 1 BEDROOM ∂1 BDRM $875 Also Available in Same Location. $835 + 1 1/2 Mm Sec No pets. No security Utilities Included MIDDLETOWN PLEASE CALL: 845-421-8901 845-343-0494 or 845-239-2415

Cambridge Manor

www.aptHP.com

MIDDLETOWN

Middletown Village Apts Super Special

ûRENTAL SPECIALSû û1 & 2 BEDROOMS û

1BR Apt, Newly Renovated with new kitc, A/C, New HW Flrs, Balcony, Incl Heat, Hw, Cooking Gas. Conv to Shop. Pets Ok 845-590-4141 or 845-692-2121

Country Manor

Selling Your Home?

AFFORDABLE!!

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

(845) 343-2221 www.aptHP.com MIDDLETOWN

BOULDER POINTE

2 & 3 BDRMS AVAIL NOW , UP TO $600 OFF @ Move in GATED COMMUNITY 866-584-0752 boulderpointeapts.com

Some conditions apply

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343.7000

MONROE

Northwoods Apartments 1&2 BR Apts From $1149

2 BEDROOM APARTMENT Centrally Located outside of Middletown. û All Utilities Included û $1,400 per Month + Sec 845-343-8459 or 845-741-6472 After 6PM

Apartments

Apartments

MIDDLETOWN

845

6E

MIDDLETOWN/SLATE HILL

1 BEDROOM APT w/GARAGE

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 village of South Blooming Grove monroe mailing address Heat,electric & gas Incld Studio $850 w/ private Lake View, New Floors, New Bath and New Kitchen. Great Location and Peaceful . No pets. Only 1 month sec. 845-783-8172 or 845-774-3389 MONTAGUE, NJ

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NEWBURGH CITY

2 BDRM APT

NEWLY renovated. Large kit & LR, 125 South William St. Asking $750/mo. Security & references required. Please Call: 845-554-8645 (Se habla español) NEWBURGH, CITY

3 BEDROOMS - LIBERTY ST

$950 PER MONTH. + UTILS Freshly painted, 3rd floor. DSS ok. Security & References Req. Call 845-821-5327 AVAILABLE IMMEDIATELY! NEWBURGH, CITY OF GRAND STREET

û 2 BEDROOMS APT û

ALL UTIL’S INCLUDED!!! Hudson River View! Near Waterfront & Restaurants. Upgraded Apartment and IN COUNTRY CLUB COMMUNITY Kitchen with Granite Back Splash. Swim, Fish, Boat, Tennis, Golf & - Call 845-554-9448 More. $625/mo plus util. Ask About Easy Start Up! NEWBURGH 973-402-8648

1 Bed Condos

MONTGOMERY

2 BEDROOM HFA $833 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

MONTGOMERY/BULLVILLE

1 BEDROOM APT

Private, cozy & sunny on 8 acres family farm. Small porch, living room, kit & bath. $650/mo & utils. 1 month sec. 845-361-2350. Avail 12/1 MONTICELLO Come Home for the Holidays

Colonial Hill Apts.

1 bdrm avail. Free Heat/Hot Water & Cooking Gas Amenities include: Pool, sauna, d/w, w/w carpet, a/c, laundry facility Call now 794-6660 *1 year lease and no dogs MONTICELLO

Jefferson Gardens

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

MONTICELLO VILLAGE ÂÂ BRAND NEWÂÂ ûAPARTMENTSû 2 & 3 BDRMS 2 BATH AVAILABLE, Modern apts, SS appliances, hardwood floors, security surveliance NO BROKERAGE FEE CALL IVY PERRACE 855-489-8377

Quiet, W/D hook-up, plenty of storage area, outside patio, close to Rte 84 & 17. No smoking & No pets. $800 per MONTICELLO month plus utilities. Winwood Condos for Rent 845-673-5645 or 862-228-3589 Quiet Comfortable Living MIDDLETOWN LUXURY 1 & 2 Large Bedrooms. BalSTUDIO APT cony, Laundry facilities 2nd floor. All Utilities Included H/HW included. Security system, inClean, modern, ground level. Nice tercom & elevator. Close to shopping yard, private parking, no pets. $772 + Raceway & Golf courses. No pets. $850 sec. Back ground ck req. No re- Owner/Management on premises. altor fee. Free DVD player or MicroCall 845-791-8420 wave with signed lease. or cell 845-807-7193 Call 845-304-3983 198-202 Monhagen Ave

Selling Your Home?

Apartments

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LIBERTY SQUARE APT 1 MONTH FREE RENT

SPACIOUS 2 BEDROOM APTS $999 A MONTH PLUS UTILITIES CALL 845-566-9290 TODAY! Income Restrictions Apply EHO NEWBURGH, Tn 1 BEDROOM APT Heat/HW Incl. $750/mo. 2 BEDROOM APT Heat/HW Incl. $1,100/mo. CORNWALL 2 BEDROOM APT $900 & $1,100 + utilities Security Deposit, References. No Pets Call 845-905-2519 NEWBURGH, TOWN

APARTMENTS

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

GREEN HOUSE APARTMENTS

1, 2 & 3 Bdrms Avail

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

Milton Townhouses

2BR/2.5BA Avail starting at $1250 Call today for move-in specials!

845-562-4107

www.Greenhouseaptsny.com NEWBURGH, TOWN OF 2 BEDROOM APARTMENT Clean, Quiet & Safe û 1 FREE MONTH û 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 -12/1 Please Call: 845-541-4534 NEWBURGH, TOWN OF

3 BEDROOM APT.

2 BA, Very Nice Apt. in Great Area. Central Air, W/D, Close to shopping & highways. No Smoking or Pets. $1,475 Per Month - Heat Included Security & References. Please Call: 845-895-9095 Call Between 9am - 8pm Rent your home or apartment


www.recordonline.com Apartments NEW WINDSOR

1, 2, & 3 BRS, Rt. 94 û2 Bedroom Specials û SPACIOUS

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

NEW WINDSOR

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

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

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

845-561-1034 Old Forge Apartments NEW WINDSOR

Make Your Home at

SOUTHGATE VILLAGE

A caring community with 24 hour emergency maintenance. Largest 1&2 br with beautiful wood decks & play area. Heat and h/w included. No pets. 845.561.1180 Please visit us on the web : southgatevillageapts.com 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 or 845-430-8293 PORT JERVIS

1 BEDROOM APT . Small yard, off-street parking, private entrance, w/d hook-up. $650/mo plus utilities. 1 mo’ rent & 1 mo’ sec. No pets. Call 845-733-6719 NEWBURGH

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

1 BEDROOM APARTMENT 25 Minutes to Middletown. $650 Plus Electric References & Security 1 Small Pet Ok. Call 845-434-3593

SHAWANGUNK, TOWN OF WALLKILL, TOWN OF

3 BEDROOM

Second Floor Walkup, LG Eat in Kitchen, Living Room & Dining Room. NO PETS $1,100 Per Month + Utilities First & Last Mon. Rent Needed PLEASE CALL: 845-741-7987

Rentals

Furnished Apartments MONTICELLO, Village of LARGE 1 BEDROOM APT 660 sqft, ground floor w/private entrance, Heat/HW/garbage/parking Included. Tenant pays gas & electric. 1 months’ rent and 1 month’s security. Close to H. depot/Walmart/Shoprite. 5 Minutes to Bus Station. Available Immediately. $750 per month. Call 860-605-4747 WALDEN TIN BROOK APTS 2 BDRMS Private entry leads into open floor plan. Central a/c, natural gas heat, d/w, gas range, w/d connection, large closets, private deck. Beautiful yard. No pets/smoking. Refs & sec req. Avail. Jan 845-255-5047

Commercial & Industrial Property for Rent

1 bedroom apartments $700/month GOSHEN + utilities & security 2 bedroom apartments $1125 to AAA OFFICE SPACE $1150/month + utilities & security NEW WINDSOR, TOWN $795 Per Month Call Sherri 914-213-0925 In quiet country setting û Includes Heat û LARGE 2 BR APT. 2 rooms w/private bath & separate $1250/mo. front entrance on 1st floor. High visibilEverything included except electric ity. Plenty of parking. Completely WALDEN No pets. In village yet quiet country 1 bdrm & 2 bdrm Apts renovated. 845-656-5708 setting. Call 845-825-1988 Heat & Hot water & cooking gas included wall to wall carpet PINE BUSH, Village of GOSHEN CORP W/D on premises, no dogs, 1 car 2 BEDROOM HAS OFFICE SUITES AVAILABLE parking,$700 & $800 per month. Bath, Living Room, Dining Room, KitchFrom 600 to 2,100 SF spaces heat/hot water included. en, W/D Hookup. No Pets. Close to Courts, Banks, Post Office & 845-496-8895 or 917-939-1714 $1,000 per month. Dining. Call 845-733-4543 Call 914-443-1113 WALDEN

Keller Williams Realty

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 PORT JERVIS

3 BEDROOM APARTMENT

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

LR, Bath, DR, Kitchen, W/D Hookup WALDEN, VILLAGE OF and Attic Storage. 2 BEDROOM APARTMENT FRESH PAINT - NEW CARPET On 3rd Floor, Wall to Wall Carpet $925 Per Month + Utilities No Pets, On Site Washer/Dryer Security - References - No Pets And Off Street Parking Call: 845-627-0448 $850 PER MONTH SECURITY & REF’S REQUIRED PORT JERVIS PLEASE CALL: 845-726-4394

TUDOR GARDEN APTS 1 & 2 Bedrooms From $765 per month Heat & H/W Included È Call 845-856-3398

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

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

FREE HEAT and HOT WATER

ROCK HILL / GLEN WILD

VILLAGE OF WALDEN

NEWBURGH

Check us out! We’ve Changed

Sunday, November 24, 2013 ∂ TIMES HERALD-RECORD

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

Apartments

WALLKILL

1 BEDROOM APARTMENT Route 300 on 25 Acres Nice Condition! Garage, Eat in Kitchen.

? PETS ALLOWED! ?

$950 Per Month + Utilities - - Call: 914-489-7229 WALLKILL, HAMLET OF Charming Quiet Garden Apts EIK, Washer/dryer on site, lease & security. Sorry no pets. STUDIO AND 1BEDROOM $750 PER MONTH 201-953-5684 or 845-895-2791

WARWICK (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

Heritage Green Apts. Super Special

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

845-987-2306 WOODRIDGE Looking for a place to call home Look no further BELLE HARBOUR APTS. Is your answer 2 bdrm avail With Free Heat / Hot Water. 794-6660 *Qualified new applicants only WURTSBORO

1 & 2 Bedroom Apts.

In quiet safe area

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

Homes for Rent 3 SINGLE FAMILY DWELLINGS IN DEER PARK ∂ 3 Bedroom Private Home Gorgeous, Just Remodeled with Brand New Everything. Huge Covered Decks, Includes Dishwasher, W/D Hook-ups. Will be Fist Tenants in Remodel. $1,150 ∂ 2 Bedroom Private Home Move in Ready - $950 ∂ 1 Bedroom Private Home Just Remodeled - $850 Both 1 & 2 Bedroom Homes Have Huge Yard Space Located in Excellent Neighborhood. Both with Brand New Furnaces & Hot Water Heaters. PLEASE CALL: 845-551-4463

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MARLBORO ALL AREAS Realtor Fee only $795 3 BEDROOM HOME HOMES/DUPLEX 856 - 4400 Quite Private Location $750-Sprw-Bush-1BR Cottge-All util inc 1 Bath, Kitchen, DR & LR, W/D Hook$1000-Schola-3BR-1.5BA-rnch-No fee! up, Hardwood Floors, Newly Painted. $1050-Blmnbg-2Br-1ba-hs-vrygd cond $1,475 Includes Oil Heat $1075-Mill Rift-3br rnch dplx-excl cond Security & References Required $1075-Pine Bsh-2BR-2ba-dplx- w deck Pets on Approval $1100-Gln Spy-2br-1.5ba log cabin fpl MIKE: 914-474-1020 $1250-Florida-2BR-2stry dplx-FDR Yd MFPOM@MAC.COM $1250-Port Jrvis-Huge 4BR-1.5ba Hse $1280-Mntgry-2BR dplx-Lg-Inc all util MIDDLETOWN, CITY OF $1295-Barryvl-3Br-2ba-rvrfrnt-deck-Grg LARGE SINGLE FAMILY HOME $1300-Mtwn-3 BR Dplx Irwin Ave-prch Located on Prospect Street $1300-Greenvll-3BR-rnch-Inc gas +elec 6 Bedroom, 2 Bath $1300-Blmbrg-3BR-1.5BA-Frmhs-porch 2,200 Square Feet $1300-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! NEWLY RENOVATED $1350-Westbrkvle-3BR-2Ba-Prvt 4 Acs Asking $1,300 $1400-Ellenvll-3BR-2.5ba-twnhs-Mint! Security & References Required $1600-Waldn-3BA-2ba-W/HWfncd yd Please Call: 201-394-8712 $1700-MV schl-3br-2ba-dplx-inc all util (Se habla español) Go to orangewestrealty.com Orange-West Realty 856-4400 MOUNT HOPE/HOWELLS Beautiful 3BR home. New kitchen BLOOMINGBURG and applis. Located on a quiet piece 3 BDRM 2 BA of property. $1500/mo+ utils (approx $300/mo) Excellent refs 2 FAMILY HOUSE Pine Bush schools, large eat-in-kitchen, required. Please call 845-590-4141 family room, study, private entrance & parking. Sec 8 ok. $1150 per month. NEWBURGH TOWN Beautiful Newly Renovated Call 845-300-2998 3 bdrms, 2½ baths, DR, full size kit, 845-313-7626 large sunken LR with fpl & vaulted BLOOMINGBURG ceilings. Central air. Full basement. 3 Bed, 1.5 Bath, 2,200sf, 2 Car Ga- Beautiful backyard w/built-in pool. 2 rage, Central A/C, hot water base car gar. $2200/mo plus utilities. & board, Hardwood Floors, 1.1 Acres, references. 646-784-4401 Large Driveway, Deck, Yard. Nice amx143@gmail.com house, Pine Bush Schools, Available NEW WINDSOR Dec. 1st, First month + Security. $1600 per month. 845-733-8074 3 BDRM BRICK RANCH

GOSHEN Ideal location for your office or business needs. Office suites catered BULLVILLE to your needs. Close to all major 2 FAMILY HOUSE ON 1 ACRE highways. Extra Large 2 Bedrooms Call 845-283-3623 New Carpets and Floors, Laundry Condos & Townhouses for Rent Room, Deck, Eat-in-Kitchen. No Pets. $1,200 INCLUDES HEAT 845-978-9985_845-733-4141 MONROE TOWNHOUSE FOR RENT CLARYVILLE (Neversink , NY) 3 bdrms,2.5 baths, 1950 sq ft. newly renovated with upgraded "Upstairs of Home" bathrm,kitchen & new carpet,walk out Newly Renovated. Tri-Valley School basement,in beautiful Meadow Glen Dist., 2-3 BR, 1 BA, W/D Hook-up, $2,400 per mo.available NOW! Nice Yard. $800/mo Plus Utilities. please call 954-304-2887 È Please Call 914-523-9466 email @ kalfams@aol.com CUDDEBACKVILLE O’LEARY QUALITY HOME Garage & Storage Rentals Available Now! Private country setting, new construcGOSHEN & WURTSBORO, Vic. tion townhouse, 3 BR, 1.5 BA, hardGarage Available for Storage wood flooring, stainless steel applianBoats, Cars, Motorcycle & Motor ces. No Realtor’s Fee. $1,375 per Homes. Dry and Safe Area. month. 1.5 Month’s security. Call 973-652-1293 Call 845-856-8513 MIDDLETOWN FALLSBURG 2 CAR GARAGE FOR RENT

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

Homes for Rent

5 BEDROOM HOME

Newly Renovated Section 8 OK $1,450 + Utilities Security & References Required Please Call: 845-774-9237

LR, DR, EIK, basement, w/d hook-up, yard and parking. No pets/smokers. $1,550/Mo plus Utilities. 1st Month’s Security &References Call 917-972-1426 PINE ISLAND

3 BEDROOM HOUSE

23 Maskers Lane 1 Car Garage - Green House $1,100 per month 914-850-9680 or 845-294-8481 SMALLWOOD

3 BDRMS, 1 BATH RECENTLY RENOVATED

w/d hookup. New Carpet & wood floors. Front porch. Oil heat. Nice quiet area. $950/mo plus security & references. Small pets ok. Rent or With Option. 845-524-4165

Mobile Homes for Rent BLOOMINGBURG 3 BEDROOM HOUSE $1,100/Month. Electric Included. 2 BEDROOM HOUSE $830/Month Remodeled, w/d, storage. No dogs. Call 845-800-2668 No answer Call 570-337-9487

HIGHLAND FALLS NICE 1800 SQFT 3 BR HOUSE CIRCLEVILLE plus den, excellent condition, com- Beautiful home/trailer located on pletely remodeled, hrdwd flrs, w-w- nice piece of prop. New kitchen, carcarpet, new kit/ba/dr, fixture, paint, peting though out, 2 BR. $990/mo w/d hook-up, fenced yard w/patio, 2 + gas & elec. Excellent refs req. zone heating, off-street parking, quiet Call 590-4141 or 692-2121 dead-end-street. $1,475 plus utilities. Security & referenced required. WURTSBORO: Call 845--541-0294 2 BD, 2 BA Mfd. Home w/New Carpet & Lino. Front Door Deck, Shed, Lg. Lot HIGHLAND MILLS in Blue Sky Manor. $850/Mo + Util., HOUSE FOR RENTZ Sec. & Refs. No Dogs 888-4600

3 BEDROOM,2 BATH

HEAT & HOT WATER INCLUDED large deck overlooking brook $1,800 a mo plus sec. no pets CALL 845-238-6837

Roommate Wanted WURTSBORO AREA

SHARE HOUSE

VICTORIAN 5 BDRM HUGUENOT, NY 4½ baths, private bdrm & bath, large TWO BEDROOM RANCH Z LR, DR & game room with pool table, Bright, clean,1 bath, LR, DR, breeze$450.00 way w/2 car garage, on 1+ acres, priINCLUDES: vate setting, 1 mile outside Port Jervis, UTILITIES, CABLE AND WIFI. NY. 1 mile from shopping, train and PLEASE CALL: 904-226-1700 Delaware River. $1,390 per month, plus utilities and 2 month’s security. Sell your home. Call (914) 443-1866

Rent your home or aparment here.

E-mail

realestate@th-record.com

Rooms MONROE AREA

LARGE SUNNY....

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

7E

Rooms 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


8E

Sunday, November 24, 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 0 0 .50 .50

varies varies varies varies varies

$545 $545 $545 $570 $570

3.464 4.200 4.305 5.118 5.320

— — — — — —

— — — — — —

4.237 3.362 3.112 4.112 1.990 1.990

30-yr Fixed Conf. 4.250 15-yr Fixed Conf. 3.250 30- yr Jumbo Non-Conf. 4.375 20-yr Conf. 4.000

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

http://www.hhfcu.org

— — — —

5% 5% 20% 5%

— — — —

Hometown Bank

800-249-3832

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

Rate Pts. dn

Fees

APR

4.375 3.375 4.50 3.375 5.000

$145 $145 $145 $145 $145

4.395 3.403 7.367 3.063 5.622

0 0 1 0 0

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

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

4.28 3.30 4.41 4.04

800-797-6669 www.rhemortgage.com 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

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

SUPERIOR MORTGAGE CO., INC. OF 30-year Fixed 4.000 0 5% 20 YR Fixed 3.875 0.00 5% 15- year Fixed 3.125 0.00 5% FHA 30YR 3.750 0.00 3.5%

NEW YORK 845-928-2845 — 4.200 NO INCOME LOANS AVAILABLE 0 4.155 "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. 4.375 15-yr Fixed Conf. 3.250 5/1 ARM 3.750 SONYMA Low Interest 5.000 SONYMA Achieving the Dream 4.250

0 0 0 0 0

5% 5% 5% 3% 3%

http://www.mhvfcu.com

Call Call Call Call Call

NATIONWIDE EQUITIES

ULSTER SAVINGS BANK

800-451-8373 EXT. 5002 4.397 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 4.434 Please Call 5.396

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 4.375 FHA 30-yr Fixed 3.875

• 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

Fees APR Comments

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

*UP TO 95% FINANCING AVAILABLE

845-561-5607

Rate Pts. dn

ROCHESTER HOME EQUITY, INC.

LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066 0.00 0.00 0.00 0.00 — —

Term

845-294-6151

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

30-yr Fixed 4.125 15-yr. Fixed 3.250 3/1 ARM 3.000 7/1 ARM 4.000 Home Equity Loan 1.990 Home Equity Line 1.990

www.recordonline.com

Fees APR Comments

www.berkbank.com

HUDSON HERITAGE FCU

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

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

4.375 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

4.405 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. Equal Housing Lender. Member FDIC.

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 4.375 3.125 3.375 4.125

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.560 4.423 3.175 3.395 4.195

Commercial & Residential Loans available. For more information contact: Commercial - James O'Brien 895-2051 ext. 245 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, November 24th, 2013  

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

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