GEMELLI'S GOURMET AND COYLE'S RIBBON CUTTING CEREMONY
Welcome to the Neighborhood! On Friday, October 3rd, the Lindenhurst Chamber of Commerce hosted a Ribbon Cutting Ceremony to welcome Gemelli's Gourmet and Coyle's to Lindenhurst! The 1,800-square-foot storefront at 189 South Wellwood Avenue will feature Coyle’s Ice Cream in the front and Gemelli’s Gourmet in the back, bringing together two different—but complementary—food experiences under one roof. Pictured - JoAnn Boettcher, LCOC President, Chamber Board Members, Village of Lindenhurst Officials, Suffolk County offices representatives, and the proud owners and their families.
Realestate has long been touted as a worthy long-term investment. With that conventional wisdom in mind, young adults often make buying a home one of their first bigticket purchases. Though real estate remains a potentially lucrative investment, the market for homes has been difficult to navigate for several years running.
High mortgage interest rates and low inventory have left many buyers feeling priced out of the real estate market. Others may find the competitive nature of the modern real estate market too stressful. No one can predict if or when the real estate market might be less
How To Navigate A Challenging Real Estate Market
challenging, but the following are some ways those looking for a house can navigate that process.
• Ready your finances. It goes without saying that prospective buyers must get their financial affairs in order before they begin shopping for a house. But finding a home in the current market takes time, and some buyers might have let their mortgage preapproval letter expire without realizing it. Others might have experienced a dip in their credit rating as they turned to credit cards to confront inflation. That means buyers who began looking for a home
months or even years ago might not be positioned to buy now, should they find a home to their liking. Revisit your finances if it’s been a while. Pay off any consumer debt that has accumulated in recent months and reapply for mortgage preapproval if necessary.
• Be ready to pounce. Data from the National Association of Realtors
found that the average home spent 32 days on the market before being sold in November of 2024, which was a full week longer than a year earlier. That’s good news for buyers, but it still means buyers must be ready to pounce if they find a home and a home price to their liking.
• Hire a real estate agent. The hectic pace
of the modern real estate market can be difficult for anyone to keep up with. But real estate agents keep up with the market for a living, and they can be invaluable resources for buyers whose commitments to work and family are making it difficult to keep pace.
• Emphasize long-term growth and value when assessing properties. According to Zillow, the median list price of homes in the United States was just under $387,000 by the end of January 2025. But buyers must also recognize that 22.4 percent of homes sold above list price in that month, according to a Redfin
analysis of MLS data and/or public records. Buying a home is more than an investment in a property. It’s also, in some way, an investment in the town where the home is located and in a homeowner’s future. So while it can be tempting to buy a home with the lowest asking price, homebuyers should also seek homes that figure to experience the best long-term growth in value. Homes situated in safe and welcoming towns with good schools are arguably a better investment than homes with lower sticker prices but no such amenities.
Photo by Richard Termine
Councilman Anthony Manetta proudly hosted a special presentation at Town Hall honoring three outstanding individuals for their contributions to the Italian American community: Arthur Spera, President of the New York State Grand Lodge Order Sons and Daughters of Italy in America, Daniel Calise, CEO of the Brumidi Home Lodge, and Donna Farina, President of the Copiague Chamber of Commerce. Thank you to all of the elected officials who joined us in this celebration: Suffolk County Legislator Jason A. Richberg, Suffolk County Legislator Steve Flotteron, 11th LD, Village of Lindenhurst Mayor Mike Lavorata, Lindenhurst Deputy Mayor RJ Renna, Village.
MONDAY
JOB OPPORTUNITY
Just Kids is looking to hire TAs at our 2 Lindenhurst locations!
Benefits & Pay:
Medical Bene ts after 30 days of employment
Medical, Dental, and Vision Insurance. 401(k), Life insurance, Parental Leave, Paid
Time Off
Position Details:
We are seeking dedicated Teaching Assistants to join our team. The ideal candidate will have a passion for working with children and supporting educators in a classroom setting.
Responsibilities:
• Assist the lead teacher in implementing lesson plans and activities
• Provide support to students with various tasks and assignments
• Supervise children during indoor and outdoor activities
• Help maintain a safe and clean learning environment
Requirements:
• High School Diploma or GED
• Ability to communicate positively, effectively, and appropriately with children
• Ability to use clear and understandable written and verbal communication
• Experience working with toddlers, preschoolers, or in a classroom setting is a plus!
• Teaching Assistant - Level Certi cate a plus!
Work Schedule:
Monday to Friday from 8:15am to 2:45pm (Please note certain days will require later dismissal due to necessary professional development training.)
Job Type: Full-Time
Pay: $18.50 - $21.50 per hour
Work Location: In person
For Bower Location - Call - 631-590-3144 and ask for Miriam For Kellum Location - Call - 631-884-3000 and ask for Jessica McMahon
Thephrase “bigger is better” has endured for quite some time. Though it may be impossible to pinpoint precisely who coined the phrase, its lesson that larger things tend to be more valuable than smaller alternatives is applicable in numerous situations. No adage applies to every situation, and in some instances, people may find that bigger is not better.
Downsizing is an approach many individuals consider after turning 50. Parents who are empty nesters and others nearing retirement may wonder if the time is right to downsize from their current homes. Though that’s a strategy millions of people have
Come October 31, there is extra mischief in the air, and who knows what might be lurking around those dim corners? Halloween is a time when the line between having fun and being scared is easily blurred. While trick-or-treating and attending parties are ways to enjoy the final day of October, there are plenty of other ways to make Halloween more fun.
• Read some scary stories. There’s something to be said about reading scary stories or poems on Halloween. Readers’ imaginations take over on Halloween as they envision scary characters and scenarios. Edgar Allen Poe, author of many notably macabre works, is a popular read come Halloween.
• Go pumpkin picking. Most people already make pumpkin picking an annual treat. Don’t overlook mishappen
adopted over time, the decision is not always so simple. Individuals over 50 who are trying to determine if downsizing is right for them can consider a host of factors before making a decision.
• Monthly housing expenses: Before downsizing their homes, individuals should determine just how much they’re currently spending on housing. Individuals who have fixed-rate mortgages likely know the amount of their monthly mortgage payment, but what about maintenance?
Home maintenance expenses fluctuate, but a careful examination of the previous 12
How To Determine If The Time Is Right To Downsize
months’ expenditures can give homeowners an idea of just how much they’re spending to maintain their properties. The number may be eye-opening, as Thumbtack’s “Home Care Price Index” released in the third quarter of 2024 revealed that the average annual cost to maintain a single-family home reached an alltime high of $10,433. If such expenses are preventing
homeowners from building their retirement nest eggs, then it might be time to seek alternative housing.
• Real estate prices: Real estate prices have skyrocketed in recent years, which can be both good and bad for current homeowners considering downsizing. Many people who downsize look to move from a single-family home into a condominium, where
maintenance tasks are typically handled by a homeowners’ association (HOA). Such communities typically charge HOA fees, which can be minimal or considerable. In addition, the price of condominiums has risen in recent years, with the lender New American Funding reporting in early 2024 that the median sale price of a condo reached $341,000.
So homeowners who want to downsize their homes may end up taking most of the profit from selling their current properties and reinvesting it in a costly condo. Some may deem that worthwhile, while others may
Get Into The Spooky Spirit This Halloween
pumpkins that can be carved into spooky jacko’-lanterns. Also, enhance Halloween decor with pitted and warty gourds that lend that scary appeal.
• Create a haunted house. Instead of going elsewhere to get chills and thrills, transform your house or yard into a spooktacular vision and invite neighbors to explore.
• Make creepy crafts. Children can get a kick out of crafting Halloween decorations. Drape a piece of muslin over a beverage bottle and spray it with laundry starch. Let sit and the muslin will stiffen when it dries. Paint on black circles for eyes and hang your “ghost” from a string.
• Whip up Halloween treats. Candied apples, extra-rich brownies and mini hot dogs wrapped in crescent rolls to look like mummies are just some
of the ways to create a scary Halloween feast.
• Have a costume theme. Everyone in the household can get in on the fun by planning costumes to fit a theme. For example, everyone can dress like the Addams family.
• Host a Halloween book club. Those who love to read can ensure the October gathering of a book club is one that features a discussion of a scary book. Those looking for a scare can explore horror authors like Stephen King, Anne Rice, Dean Koontz, Clive Barker, Shirley Jackson, and Tananarive Due.
• Host an outdoor movie. Projectors can now be hooked up to smartphones and tablets, so it’s easier than ever to watch movies outside. Simply project a device onto a screen, white fence or even a bedsheet. Since it gets
find the cost savings of downsizing in the current market are negligible.
• Emotional attachment: Downsizing may be considered with cost savings in mind, but it’s important to consider your emotional attachment to your current home. Many homeowners over 50 raised their families in their current homes, and letting go of a property where so many memories were made can be difficult. Homeowners who are not prepared to move on from properties that are meaningful to them and their families can consider additional ways to downsize their financial obligations.
dark somewhat early in October, the movie doesn’t have to start very late. Depending on the audience, choose a movie that is very scary or only mildly so if children will be viewing.
• Organize a Halloween treat exchange. Similar to a Christmas “Secret Santa,” participants put together a wrapped gift of homemade or store-bought foods and exchange with others. Halloween can be made even more entertaining with some extra activities that appeal to people of all ages.
Homeownership
is a dream for millions of people across the globe. The National Association of Realtors indicates real estate has historially exhibited long-term, stable growth in value. Money spent on rent is money that a person will never see again. However, paying a traditional mortgage every month enables homeowners to build equity and can be a means to securing one’s financial future.
Homeowners typically can lean on the value of their homes should they need money for improvement projects or other plans. Reverse mortgages are one way to do just that.
Who is eligible for a reverse mortgage?
People near retirement age are eligible for a specific type of loan they can borrow against. Known as a “reverse mortgage,” this type of loan can be great for people 62 or older who perhaps can no longer make payments on their home, or require a sum of money to use right now, without wanting to sell their home.
In addition to meeting the age requirement, a borrower must live at the property as a primary residence and certify occupancy annually to be eligible for a reverse mortgage. Also, the property must be maintained in the same condition as when the
reverse mortgage was obtained, says Fannie Mae.
How does a reverse mortgage work?
The Consumer Finance Protection Bureau says a reverse mortgage, commonly a Home Equity Conversion Mortgage, which is the most popular type of reverse mortgage loan, is different from a traditional mortgage. Instead of making monthly payments to bring down the amount owed on the loan, a reverse mortgage features no monthly payments. Rather, interest and fees are added to the loan balance each month and the balance grows. The loan is repaid when
Common Questions About Reverse Mortgages
the borrower no longer lives in the home.
What else should I know?
With a reverse mortgage, even though borrowers are not making monthly mortgage payments, they are still responsible for paying propertyrelated expenses on time, including, real estate and property taxes, insurance premiums, HOA fees, and utilities. Reverse mortgages also come with additional costs, including origination fees and mortgage insurance up to 2.5 percent of the home’s appraised value, says Forbes. It’s important to note that most interest rates on these loans are
variable, meaning they can rise over time and thus increase the cost of borrowing. In addition, unlike traditional mortgage payments, interest payments on reverse mortgages aren’t tax-deductible.
How is a reverse mortgage paid back?
A reverse mortgage is not free money. The homeowners or their heirs will eventually have to pay back the loan when the borrowers no longer live at the property. This is usually achieved by selling the home.
The CFPB notes if a reverse mortgage loan balance is less than the amount the home is sold for, then the borrower
keeps the difference. If the loan balance is more than the amount the home sells for at the appraised value, one can pay off the loan by selling the home for at least 95 percent of the home’s appraised value, known as the 95 percent rule. The money from the sale will go toward the outstanding loan balance and any remaining balance on the loan is paid for by mortgage insurance, which the borrower has been paying for the duration of the loan.
Reverse mortgages can be a consideration for older adults. However, it is essential to get all of the facts to make an informed decision.
Lindy MCJROTC Cadets Honored For Community Service
Members of Lindenhurst High School’s Marine Corps Junior Reserve Officers’ Training Corps (MCJROTC) recently received commendation from the Suffolk Police Veterans Association
(SPVA) for their outstanding service at a community recent event.
The commendation praised the Bulldog cadets for their service at the association’s annual SPVA Veterans BBQ at the
Northport VA Hospital. The event served roughly 2,000 veterans and their family members. SPVA officials highlighted the cadets’ exceptional initiative, reliability, and adaptability. The association noted the
Lawrence High School cadets’ “professional conduct throughout” and “genuine commitment to honoring and serving our veteran population.” Their efforts were crucial to the success of the large-
Members of the Lindenhurst Marine Corps Junior Reserve Officers’ Training Corps were recognized by the Suffolk Police Veterans Association for their help during a veterans barbecue.
scale event, with veterans specifically remarking on the respectful and competent assistance they received.
“This is a well-deserved recognition for our Bulldog cadets,” said
Superintendent of Schools Vincent A. Caravana. “Their character, discipline, and the leadership skills they are developing. We are incredibly proud of their dedication to serving our community.”
community event.
The Bulldog cadets were praised for their professionalism and leadership skills that were on display during the
How To Boost Home Value Before Selling
People considering buying or selling a home are facing a unique market. The real estate market has been in flux for several years, and high interest rates have made it more expensive to borrow.
The Mortgage Bankers Association is projecting that 30-year mortgage rates will level out to 6.5 percent for the forseeable future. That means that people who have been waiting for changes in the real estate market could be disappointed, and hesitant buyers may finally just bite the bullet and buy even if mortgage rates are not where they hoped they’d be in 2025. Homeowners with properties they are considering listing for sale would be wise to make certain changes that will help garner the best prices from buyers. Make kitchen and bath improvements
The kitchen is the heart of many homes. Real estate agents may recommend that homeowners make minor to moderate kitchen upgrades like resurfacing cabinets,
upgrading countertops and changing fixtures or hardware to give the room an overhaul.
Homeowners also should look to bathroom updates as smart investments that can improve home value.
Katie Severance, author of The Brilliant Home Buyer, characterizes kitchens and baths as “money rooms” that add the most value to a home.
Declutter the home
Homeowners should clean out items they no longer need. Decluttering can make a space feel bigger, which is beneficial in a market where open concept floor plans remain popular among home buyers.
When buyers walk through a prospective home, they want to envision themselves living there, something that is more easily done if the home isn’t overrun with the current homeowner’s belongings.
Get to painting
Painting a home is a cost-effective renovation
with a lot of oomph. Freshly painted rooms appear clean and updated, says HGTV, and that can appeal to buyers. Homeowners should choose neutral colors to accommodate the widest array of potential buyers.
Improve the landscaping
The exterior of a home is the first thing potential buyers will see as they roll up to view a property or look at a listing online. Homeowners should start by evaluating and enhancing the landscaping. Ensure the lawn is well-maintained and add plants that provide color without a lot of maintenance.
Expand usable space
Homeowners can think about adding to the usable space in a home. This translates into finishing basements or attics or even converting garages to rooms. Or it may involve adding a threeseason room.
Homeowners can consider a number of improvements to increase the resale value of their properties.
K of C Ladies Auxiliary Officer Installation
Ladies Auxiliary of Our
recently held its Installation of Officers, officially beginning a new year of fellowship and service. The ceremony highlighted the Auxiliary’s mission of supporting both parish life and the charitable works of the Knights of Columbus. Each officer pledged to embrace her role with faith, dedication, and a spirit of unity, carrying forward the traditions of the organization. The installation served as a reminder of the vital role the Auxiliary plays in strengthening family, parish, and community ties. Family, friends, and parishioners gathered in prayerful support, helping to set a positive and hopeful tone for the year ahead.
WoodDid You Know?
could be having a moment among modern home buyers. According to the real estate experts at Zillow, the term “cozy” appeared in 35 percent more real estate listings in 2024 than in 2023. Though various components can help to create a cozy vibe inside a home, wood has long been a go-to material when interior designers attempt to add warmth to a property. The home renovation experts at Houzz also cite wood-infused architectural warmth among its 10 most popular home trends in the coming year. Homeowners who want to capitalize on this trend before putting their homes on the market or those who simply love the idea of adding more wood-based warmth in their homes can consider installing ceiling beams, wood wall paneling or even wood trim throughout their homes.
The
Lady of Perpetual Help K of C #794
Visiting a local apple orchard and picking one’s fill of apples is a quintessential fall activity. Apple picking is an ideal way to spend time outdoors when the weather tends to be cool and pleasant. Gathering fresh-
from-the-tree fruit to turn into favorite fall desserts like cobblers and pies is irresistible.
According to the Economic Research Service, Washington state is the leading apple
Apple Picking Pointers
producer in the United States. It is followed very distantly by New York and Michigan. Apples were first cultivated in Canada by early French settlers, with the first trees planted in Nova Scotia’s Annapolis Valley around 1633. Today, New Brunswick, Quebec, Ontario, and British Columbia have become strong players in the apple business. While other areas may not be apple meccas, those looking to pick their own have plenty of options across North American to enjoy this pastime.
Prior to an apple picking adventure, people can do a little preparation to ensure the afternoon is fun and fruitful.
may not be available at all times. Call ahead to learn which apples are ripe and when.
• Do some research. Before individuals head out, they should do research into the available orchards and which apple varieties they specialize in. Ripening seasons vary, so certain varieties
• Visit early. The best apples are often available early in the season before the trees have been heavily picked over. It’s also a good idea to visit the orchard early in the day, which means cooler temperatures and
smaller crowds.
• Dress appropriately. Orchards can be dusty, muddy and buggy. The ground also may be uneven. Individuals can wear comfortable clothes and closed-toed shoes that can get dirty. Also, they should dress in layers, as it can be chilly early in the day and then warmer later on.
• Pick correctly. Instead of yanking on the apples, which can damage the tree and apples, people should gently roll or twist the apple upwards from the branch. If the apple is ripe it will detach easily with stem intact.
• Avoid bruising. It’s wise to inspect the apples to make sure they are firm and brightly colored. Those with bruising or insect damage should be left behind.
• Don’t overload. Only pick what you need. Apples are delicate, and overloading the apples into bags can crush or bruise the ones on the bottom. Plus, overpicking means that the apples may spoil before they can be eaten. After a day at the orchard, apples can be stored unwashed in a cool, dark place, which will help them stay fresher, longer.
Visual Citi Donates To St. Nicholas Greek Orthodox Church Food Pantry To Support Local Families In Need
Visual Citi made a charitable donation to the food pantry at St. Nicholas Greek Orthodox Church, located at 200 Great East Neck Road, West Babylon, NY 11704.
This donation will help the pantry purchase muchneeded nonperishable food items and household essentials to support the hundreds of families it serves each week in West Babylon and the greater Babylon area.
“The food pantry at St. Nicholas is a vital resource for those in the community facing food insecurity,” said Abbas Devji, President of Visual Citi. “We are proud to support their mission and ensure that families in need have access to everyday essential items many of us take for granted.”
Arif Devji, Vice President of Visual Citi added: “We believe in giving back and
being a force for good where we live and work.
The food pantry is just one of the many ways St. Nicholas Church uplifts the community, and we encourage others to join us in supporting this meaningful cause.”
Nonperishable Food and Household Items Most in Need Include:
• breakfast items such as granola bars, oatmeal, and cereal
• shelf-stable milk and bottled water
• healthy snacks, peanut butter and jelly
• canned goods including meat, tuna fish, fruits, and vegetables
• staple pantry items like pasta, rice, sauces, mashed potatoes
• prepackaged meals
• baking and cooking supplies such as flour, sugar, spices, and pancake mix
• syrup, condiments,
cookie or cake mixes
U-Pick Orchards Across Long Island
Spend the day exploring one of these orchards and pick your favorites right from the tree.
Breeze Hill Farm & Preserve
31215 County RoadRoute 48, Peconic, 631876-5159
Over 75 acres, they offer 26 varieties of apples.
Hank’s PumpkinTown 240 Montauk Highway, Water Mill, 631-7264667
Long Islanders can pick a wide range of apples, including Ultimate Gala, McIntosh, Honeycrisp, Daybreak Fuji, Cortland, Macoun, Empire, Snow Sweet, Jonagold, Autumn Gala, Cameo, SunCrisp, Mutsu and Autumn Rose Fuji.
Harbes Orchard 5698 Sound Ave.,
Riverhead, 631-683-8388
Apple Picking is available at Harbes’ Riverhead location, which has 15-acres of 27 types of apples on dwarf trees, including Honeycrisp, Daybreak Fuji, Gala and Gold Rush.
Harbes Farms Jamesport 1223 Main Road, Jamesport, 631-4944796
Honeycrisp apple picking is available at Harbes’ Jamesport location, has 7 acres of Honeycrisp apples on dwarf trees.
• hygiene products, toiletries, and other essential household items How to Help: Community members interested in visiting the food pantry or donating items are encouraged to call (631) 587-1150. Every contribution, big or
pick their own Gala, Honeycrisp and Macoun apples.
Milk Pail U-Pick Farm
50 Horsemill Lane, Water Mill, 631-5372565
Long Islanders can pick from their Jonamac, McIntosh, Sansa and Zestar.
Seven Ponds Orchard 65 7 Ponds Road, Water Mill, 631-726-8015
People can select Gingergold, Redfree and Zestar apples.
Wickham’s Fruit Farm 28700 Main Road, Cutchogue, 631-7346441
Dating back to 1661, the farm is one of the largest on the North Fork and offers a wide selection of apples in their You Pick Farm.
small, goes a long way in supporting neighbors in need.
About Visual Citi:
Visual Citi is a full-service signage, printing and fabrication company located in Lindenhurst, New York. Established
in 2004, Visual Citi has a solid New York base with 100,000 square feet of production space and more than 100 employees. The organization is a certified Minority/Women-owned Business Enterprise (MWBE).
Fatima Jivraj, Human Resources Generalist at Visual Citi, presents a donation check to St. Nicholas Greek Orthodox Church, accepted by Father Elias Pappas, as part of Visual Citi’s community giving efforts. Pictured (l-r): Joey Garcia, Mary Baritis, Elaine Rios, Deborah Grossman, Fatima Jivraj, Father Elias Pappas, Anastasia Mazza, Glenn Schmid, Heidi Savino, Julia Topsidakis and Patty Vorilas.
Fatima Jivraj, Human Resources Generalist at Visual Citi, with Father Elias Pappas at St. Nicholas Greek Orthodox Church.
Expenses To Expect Upon Buying A Home
Homeownership is often characterized as a fulfillment of a dream. Indeed, many homeowners feel their ability to buy a home is a reflection of their discipline and commitment to saving money. That discipline and dedication can set homeowners up for long-term financial health, providing a unique sense of security along the way. First-time home buyers may not know what to expect upon buying a home, and since each home is unique, it’s impossible for even long-time homeowners to say with certainty exactly how things will unfold once those new to home ownership get the keys to their first house. Various expenses might be the only common variable when it comes to homeownership, and some of those expenses may surprise first-time buyers. With that in mind, the following are some expenses first-time buyers can expect once their offers are accepted.
• Down payment: Conventional wisdom long suggested home buyers should submit a down payment of at least 20 percent of the overall purchase price upon buying a home. Buyers who want to follow that advice would need a down payment of $80,000 when buying a
$400,000 home. But many home buyers now submit down payments considerably less than 20 percent, particularly in the modern real estate market, which is characterized by high prices and low inventory. The lower the down payment, the higher your monthly mortgage payment will be, so it’s best to save as much as possible toward a down payment.
• Primary mortgage insurance (PMI): Buyers who cannot come up with a down payment of 20 percent or more will have to pay for primary mortgage insurance, which is typically a set fee that is incorporated into the mortgage payment each month. PMI fees are typically waived once the balance on the mortgage reaches 79 percent or less of the purchase price, though some lenders may waive PMI prior to that if the value of the home increases considerably before the loan balance reaches the predetermined marker.
• Closing costs: The amount of closing costs varies widely depending on a host of variables, but Bankrate. com notes it’s not uncommon for these costs to come in at somewhere between 2 and
5 percent of the loan principal. Closing costs must be paid no later than when the sale becomes official and buyers sign on the (many) dotted lines. Application and credit fees, title fees, underwriting fees, appraisal fees, and transfer tax are among the various fees that fall under the umbrella of closing costs.
• Moving: It’s also important that first-time home buyers budget for moving costs. Moving costs vary and may depend on how much buyers already own and how far they’re moving. The home renovation experts at Angi estimate that local moves typically cost somewhere between $883 and $2,568, while long-distance moves may run buyers anywhere from $2,700 to $10,000 or more. These costs are some of the upfront fees aspiring homeowners can expect when buying a home. Longterm costs, including homeowners’ insurance (which is separate from PMI), property taxes, homeowners’ association fees, and maintenance are some additional expenses buyers can plan for as they try to determine their home buying budgets.
Late Knight Warriors Host “Cocktails For A Cause” To Support Local One-Year-Old Jackson Berry In His Fight Against Leukemia
The Late Knight Warriors (LKW), a local nonprofit, will host Cocktails for a Cause on Saturday, November 15, 2025, at Tap Room in Bay Shore to support one-yearold Jackson Berry and his family as he battles leukemia.
Jackson is a bright, resilient one-year-old whose life was recently upended by hospital visits, treatments, and the challenges of his fight against leukemia. His father is a longtime friend to several LKW members, making this cause deeply personal to the community.
The event, from 6:00 to 9:00 PM, will feature
an appetizer buffet, a signature open bar, and opportunities to participate in a Chinese auction and 50/50 raffle. A large portion of proceeds, along with 100% of donations made in Jackson’s name, will go directly to his family.
“This cause is deeply personal to us,” said Laura Gottfried, Vice President of LKW. “My own family faced a similar challenge years ago, and I know how much support can help. With Jackson’s father being a friend to several of our members, we felt an urgent need to build that same network of care and support his family in every way we can.”
Tickets are limited so we encourage people to buy their tickets early at the LKW website: https:// lateknightwarriors.com/ lkw-cocktail-party. Those unable to attend can still help by donating or purchasing 50/50 raffle tickets through the LKW website.
About Late Knight Warriors: LKW is a registered 501(c)(3) nonprofit (EIN 331831126) that combines social connection with community impact. All events and initiatives are powered entirely by volunteers, with no board member or organizer receiving compensation.
PLANNING BOARD OF THE INCORPORATED VILLAGE OF LINDENHURST
Pursuant to the provisions of Article 7 of the Village Law of the State of New York notice is hereby given a public hearing will be held before the Planning Board of the Village of Lindenhurst on Thursday, October 16, 2025 @ 7:00 p.m. located at: Lindenhurst Village Hall, 430 South Wellwood Avenue, Lindenhurst, NY to hear the following from the Building Department:
1. Site Plan: #10-2025
Application of Maritime Operations Corp., 3428 Pine Oak Lane, Chalfont PA 18914, regarding a site plan review for permission to stack boats 3 high and higher than 15’, permission to construct a storage shed on vacant property, and permission to use vacant parcel for the outdoor repair and storage of boats. Property located at 704-706 Clinton Place, Lindenhurst NY 11757 and zoned “Business” SCTM#: 103-022-004-013.1
The Following case(s) have been rescheduled from the July 17, 2025 Public Hearing-
1. Site Plan: #5-2025
Application of Dom Windows & Doors, 158 Bangor Street, Lindenhurst NY 11757, regarding a site plan review for a 60’X60’ Storage Garage. Property located at 158 Bangor Street, Lindenhurst NY 11757 and zoned “Industrial” SCTM#: 103-009-001-036
All cases will be heard in which they are advertised, to be followed by rescheduled cases.
By order of the Planning Board Chairman John Liebl
LV N & S 806 - 10/8 & 10/15/25
TWO FAMILY REVIEW BOARD OF THE INCORPORATED VILLAGE OF LINDENHURST
Pursuant to the provisions of Articles XXX of the Building Zone Ordinance of the Village of Lindenhurst, Inc. notice is hereby given that the Two Family Review Board will hold a public hearing at the Municipal Building, 430 South Wellwood Avenue, Lindenhurst, NY on Thursday, September 25, 2025 at 7:00 PM to consider the following:
THE FOLLOWING APPLICANT(S) ARE SEEKING TO RENEW THEIR TWO FAMILY PERMIT:
1. Theresa Banno-Palazzolo, 535 Walnut Street
2. Abdul Bhatti, 633 North Greene Avenue
3. Joanne Girimonte, 225 37th Street
4. Josephine Brazier, 507 South Broadway
5. Omar Hernandez, 312 36th Street
6. Anna Sobczynski, 696 North Indiana Avenue
7. Agnieszka Luberska & Rafal Luberski, 288 42nd Street
8. Zbigniew & Jolanta Sadowski, 681 North Kings Avenue
9. Virginia Huber, 21 Gulf Street
10. William Davies, 289 42nd Street
11. Sarina Bergdoll, 11 Gulf Street
12. Vincent Holzer, 814 Ocean Street
13. William & Joanne Ratchford, 265 Waco Street
14. Jan & Saturnina Sakowski, 644 North Kings Avenue
15. Perry Iannacone, 152 South 2nd Street
16. Charlie Pena, 59 Dover Street
17. Marlene Cruz, 316 32nd Street
18. Application of Joseph Silverstein, 611 Centre Avenue, Lindenhurst, NY 11757 for permission to renew a second kitchen for personal use for a temporary period. Property located at the above address and zoned B Residence SCTM#: 103-004002-035
THE FOLLOWING APPLICANT(S) ARE SEEKING TO APPLY FOR THE TWO FAMILY PERMIT:
19. Application of Marco Cando, 308 40th Street, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “B residence” SCTM#: 103-001-004-035
20. Application of Alex Argueta, 173 North 9th Street, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “B residence” SCTM#: 103-009-002-023
21. Application of Amanda Larnaitis, 252 Grand Avenue, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “B residence” SCTM#: 103-012-002-014.3
22. Application of Svitlana & Rebecca Zakalyuk, 819 Surf Street, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “C residence” SCTM#: 103-025-
002-054
23. Application of Syed Abbas & Laila Rizvi, 177 South 5th Street, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “B residence” SCTM#: 103-009004-078
THE FOLLOWING APPLICANT(S) HAVE BEEN RESCHEDULED FROM THE SEPTEMBER 25, 2025 PUBLIC HEARING AS NEITHER APPLICANTS NOR A REPRESENTATIVE APPEARED:
1. Edith Castiglia, 277 North Niagara Avenue
2. Joseph Buonocore, 48 Oxford Street
3. Raul Vargas, 571 Chestnut Street
4. Janina Furs, 134 North 4th Street
5. Ludwik Skowron, 117 North Delaware Avenue
6. Thomas & Norma Cornelia, 590 North Kings Avenue
7. Mustafa Lika, 490 South 12th Street
8. Application of Ivan Zakharyuk, 25 Liberty Avenue, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “A residence” SCTM#: 103-018-005-068
9. Application of Tufan Simsek, 49 Macon Street, Lindenhurst, NY 11757 for permission to use the dwelling as a two family dwelling for a temporary period. Property located at the above address and zoned “B residence” SCTM#: 103-002003-062.1
THE FOLLOWING APPLICANT(S) HAVE BEEN RESCHEDULED FROM THE JULY 24, 2025 PUBLIC HEARING AS NEITHER APPLICANTS NOR A REPRESENTATIVE APPEARED:
1. Feti Cerimi, 656 North Richmond Avenue
Upon the hearing, the applicant must appear in person or by agent or by attorney. Persons wishing to appear at the hearing may do so. Communications in writing in relation there to may be filed with the board before or at the meeting.
HOWIE BOYNTON, CHAIRMAN
LV N & S 807 - 10/15 & 10/22/25
APPEALS
Pursuant to the provisions of the Building Zone Ordinance of the Village of Lindenhurst, Inc. and Section 7-712 of the Village Law of the State of New York, notice is hereby given that the Board of Appeals will hold a Public Hearing at the Municipal Building, 430 South Wellwood Avenue, Lindenhurst, New York @ 7:00 p.m.: October 29, 2025, 2025 to hear the following:
1. Application of Lois Torres - 656 North Green Avenue, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (29.56%) in connection with maintaining a gazebo, finished basement, front walkway, demo of semi inground pool, hot tub and shed. Property located at the above address and zoned Residential B. SCTM#:103-32-24
2. Application of Bawa Saini - 17 Brittany Court, Ridge , NY, 11961 for permission to reduce the minimum front yard from the required 25’ to (12.5’); to reduce the accessory structure’s minimum rear yard from the required 5’ to (4.67’); to reduce the minimum side yard from the required 5’ to (3.08’); to expand the accessory structure’s height from the required 14’ to (17.5’) in connection with maintaining a three car detached garage, cellar entrance, first floor entry, rear addition and roof over on south side. Property located at 721 South Wellwood Ave, Lindenhurst, NY, 11757 and zoned Residential B. SCTM#:103- 24-1-23
3. Application of Jose Marte - 542 South Broadway, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (39.26%); to reduce the accessory structure’s minimum rear yard from the required 5’ to (2.85’) to reduce the accessory structure’s minimum side yard from the required 5’ to (1.75’) to reduce the accessory structure’s minimum side yard from the required 5’ to (0.84’) in connection with maintaining partial garage conversion, roof over patio, shed and 2nd floor accessory apartment. Property located at the above address and zoned Residential A. SCTM#:103-183-13
a covered front porch and maintain reconstruction of floor system and some interior repairs from storm damage and a detached garage. Property located at the above address and zoned Residential C. SCTM#:103-214-43
5. Application of George & Jeanette Schmidt - 720 Shore Walk, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 26’ to (42.84’); to reduce the minimum side yard from the required 10’ to (4.6’) in connection with maintaining a front portico. Property located at the above address and zoned Residential B. SCTM#:103-243-10
6. Application of Patrick Pichichero - 87 Monroe Ave, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (33.85%) in connection with the removal of a 12’ x 25’ kidney shaped in-ground pool and install a new in-ground swimming pool. Property located at the above address and zoned Residential B. SCTM#:103-16-1-75.3
7. Application of Alan Huberman - 696 Madison Ave, Lindenhurst, New York 11757 for permission to reduce the aggregate side yard from the minimum required 25’ to (23.8’); to reduce the minimum side yard from the required 10’ to (8.3’); to increase the lot occupancy from the limit of 20% to (21.78%) in connection with maintaining a retractable awning, fireplace, hot tub, 3rs bathroom and rear deck. Property located at the above address and zoned Residential B. SCTM#:103-222-87
10. Application of Steven DeMarino - 249 Phyllis Drive, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (“26.83%); to reduce the accessory structure’s minimum rear yard from the required 5’ to (4.5’); to reduce the accessory structure’s side yard from the required 5’ to (3.9’) in connection with maintain a gazebo, semi inground swimming pool, pond and shed and demolition of an 8’ x 12’ & 8’ x 24’ irregular pool deck. Property located at the above address and zoned Residential B. SCTM#:103-201-72
11. Application of Catherine Leon - 588 N. Putnam Ave, Lindenhurst, NY, 11757 for permission to increase the lot occupancy from the limit of 20% to (21.28%) in connection with maintaining demolition of a 22’ x 28.5’ and a 5’ x 3’ rear deck and maintain a gazebo and rear deck. Property located at the above address and zoned Residential B. SCTM#:103-4-1-60
12. Application of Andrew Hicks - 678 South Broadway, Lindenhurst, New York 11757 for permission to reduce the minimum front yard from the required 25’ to (7.25’); to reduce the minimum side yard from the required 10’ to (9.0’) in connection with the construction of a partial 2nd floor addition. Property located at the above address and zoned Residential C. SCTM#:103-21-3-10
INCORPORATED VILLAGE OF LINDENHURST ZONING BOARD OF
4. Application of Brett Burgio - 745 South 5th Street, Lindenhurst, New York 11757 for permission to reduce the minimum side yard from the required 10’ to (5.3’); to reduce the minimum front yard from the required25’ to (16.1’) to expand the height from the limit of 26’ to (26.26’); permission to maintain a finished floor height of 6.6’ which is below the minimum required flood elevation requirement of 7.0’ in connection with the construction of a 2nd floor addition with interior alterations, construction of
8. Application of Marguerite & Jospeh Danaher - 280 Kansas Street, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (26.87%) to reduce the accessory structure’s minimum rear yard from the required 5’ to (1.6’) from the in connection with the installation of a 14’ x 30’ inground pool with vinyl liner and electric heater and maintain demolition of a 10’ x 12’ shed, construction of an 8’ x 16’ shed, 14’ x 24’ pergola, and removal of 12’ x 15.9’ deck and construction of 30’ x 25’ deck with ramp. Property located at the above address and zoned Residential B. SCTM#:103-16-3-81
9. Application of Lyn & Terry Ohalloran – 482 South 1st Street, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (24.76%) in connection with the installation of a 12’ x 30’ in-ground swimming pool and maintain a retractable awning. Property located at the above address and zoned Residential A. SCTM#:103-191-57
13. Application of Gary Volence - 565 South 8th Street, Lindenhurst, New York 11757 for permission to reduce the accessory structure’s minimum rear yard from the required 5’ to (1.3’) in connection with maintaining a rear yard pergola and rear retractable awning. Property located at the above address and zoned Residential B. SCTM#:103-17-4-22.1
14. Application of Christopher Okolski - 356 North Niagara Ave, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (27.52%) in connection with the installation of a 16’ x 40’ inground swimming pool with gas heater and maintain bow window. Property located at the above address and zoned Residential B. SCTM#:103-83-25
15. Application of Amityville Development Group LLC825 Montauk Hwy, Copiague, NY, 11726 for permission to reduce the minimum side yard from the required 10’ to (9.68’); to increase the lot occupancy from the limit of 20% to (31.34%); reduce the front yard greenery from the minimum required 70% to (23.89%); to expand the driveway width from the limit of 22’ to (76.92’) in connection with maintaining a circular
Affordable Health Screenings Coming To Lindenhurst
Residents living in and around the Lindenhurst, New York can learn about their risk for cardiovascular disease, osteoporosis, diabetes, and other chronic, serious conditions with affordable screenings by Life Line Screening. Lindenhurst Moose Lodge 1421 will host this community event on 10/29/2025. The site is located at 883 S Broadway in Lindenhurst.
Screenings can check for:
• The level of plaque buildup in your arteries, related to risk for cardiovascular disease, stroke and overall vascular health.
• Narrowing of the
smaller arteries of your ankles and feet, called Peripheral Arterial Disease
• HDL and LDL Cholesterol levels
• Bone density as a risk for possible osteoporosis Screenings are affordable and convenient. Free parking is also available.
Special package pricing starts at $159, but consultants will work with you to create a package that is right for you based on your age and risk factors. Call 1-877-2371287 or visit our website at www.lifelinescreening. com. Pre-registration is required.
LEGALS LEGALS
Continued From 20
driveway, deck, shed and cellar entrance. Property located at 534 South Greene Ave, Lindenhurst, NY, 11757 and zoned Residential B. SCTM#:103-20-1-27
16. Application of Jolanta Kolakowski - 552 South 7th Street, Lindenhurst, New York 11757 for permission to increase the lot occupancy from the limit of 20% to (28.0’); to expand the height from the limit of 26’ to (28.0’) in connection with constructing a new one story, one family dwelling with front portico. Property located at the above address and zoned Residential B. SCTM#:103-18-2-9
17. Business Application of Cody Carroll - 1141 Namdac Ave, Bayshore, NY, 11706 for permission to stack boats 3 high and higher than 15’Ordinance 193-13 limits the stacking of boats to no more than 2 high and no higher than 15; for permission to construct a storage shed on vacant property; for permission to use vacant parcel for the outdoor repair and storage of boats in connection with proposed 12’ x 14’ shed, perform boat maintenance on property, dry dock boat storage, travel lift and for lift use, install boat storage rack 30’ x 15’ x 14’ and install an 8’ fence on the North side of property. Property located at 704-706 Clinton Ave, Lindenhurst, NY, 11757 and zoned Business.
OCTOBER HAPPENINGS
WEDNESDAY, OCT. 15th
7:00PM-9:00PM
THE DEVIL IN NEW YORKTHE WITCHCRAFT TRIAL OF GOODY GARLICK
SCTM#:103-22-4-13.1
THE FOLLOWING APPLICANT HAS BEEN RESCHEDULED FROM THE SEPTEMBER 24, 2025 PUBLIC HEARING AS THEY WERE POSTPONED
18. Business Application of Greg Gnatowski - 158 Bangor Street, Lindenhurst, NY, 11757 for permission to increase the lot occupancy from the limit of 50% to (52.27%); to expand the height from the limit of 14’ to (23.08’) in connection with the construction of a new 58.75’ x 58.75’ one story metal storage building and paving of parking lot and maintain storage of vehicles/boats and a 22.25’ x 35’ addition for existing storage. Property located at Bangor Street, Lindenhurst, NY, 11757 and zoned Industrial. SCTM#:1039-1-36
Upon the hearing, the applicant must appear in person, by an agent, or by an attorney. A person wishing to appear at the hearing may do so. Communication in writing in relation thereto may be filed with the board before or at the hearing.
All cases will be heard in which they are advertised, to be followed by rescheduled cases.
By order of the Board of Appeals Philip Renna, Chairman LV N & S 808 - 10/15 & 10/22/25
The Historical Society of Islip Hamlet will host Tara Rider and her presentation "The Devil in New York - The Witchcraft Trial of Goody Garlick". The program will be held at the Islip Public Library, 71 Monell Ave. Free and open to the public. For more information on this, their 2026 Holiday House Tour or to become a member, visit www. isliphamlethistory.org, or call 631559-2915
FRIDAY, OCT. 17th
SATURDAY, OCT. 18th
6:00PM-9:00PM
SPOOKTACTULAR
Enjoy eerie animal presentations, a ghostly graveyard, creepy games, scary music, and spooky night trails. Great for ghouls 7 years and up. Food Truck refreshments available for purchase! 10/17 Box Car Burgers, 10/18 Krazy Knish. Sweetbriar Nature Center - ECSS, 62 Eckernkamp Drive in Smithtown. For more information, please call 631-979-6344
SATURDAY, OCT. 18th
9:00AM-5:00PM
PARROT EXPO
Sayville VFW POST 433 400 Lakeland Avenue in Sayville. Long Island’s only major exotic bird event boasts a full day of shopping, raffles, fun and education for pet bird lovers! For more information, please call 631-957-1100
HOLIDAYS
13th - COLUMBUS DAY
INDIGENOUS PEOPLES' DAY 31st - HALLOWEEN
MAKE A SUBMISSION! Events must be submitted at least two weeks prior to the event date and will run free of charge on a space available basis. For more information, please call 631.226.2636 x275 or send events to editorial@longislandmediagroup.com
10:00AM-3:00PM
ST. PATRICK’S CHURCH
THRIFT SHOP / YARD SALE
(Rain or Shine) Thrift Shop Special Event “Pack A Bag” ($5.00) many new items in all categories, Rent A Table - $25.00. 305 Carll’s Path in Deer Park. For more information, please call 631-242-7530
10:00AM-4:00PM
HARVEST CRAFT FESTIVAL & YARD SALE
Our Redeemer Lutheran Church, 2025 Washington Avenue in Seaford. Local craft vendors, Congregational Yard Sale, pumpkin patch, painting, mums for sale, raffles, music & much more. For more information, please call 516-781-6374, office@ ourredeemerlutheran.church
10:00AM-8:00PM
BLESSING OF THE ANIMALS
All are welcome! Grace United Methodist Church, 515 S. Wellwood Ave. in Lindenhurst. For more information, please call 631-2268690, gumc.lindy@gmail.com
2:00PM
HALLOWEEN FAMILY FUN DAY
The annual Halloween Family Fun Day held in Lindenshurst features face painting, games, hay rides, pony rides, hot cocoa and more. This event is co-chaired by the Village of Lindenhurst, Mayor's Beautification Society, Rotary Club of Lindenhurst, Lindenhurst Fire Department, and the Lindenhurst Moose Club. Rain date: October 19. For more information, please call 631-957-7500
7:00PM-11:00PM
HARVEST MOON DANCE
The Knights of Columbus #11968 will be holding a Harvest Moon Dance at Our Lady of Grace Church, Father Shanahan Hall located at 666 Albin Ave. in West Babylon. For more information, please call Rob 631-7470147 or Dave 631- 357-0188.
SUNDAY, OCT. 19th
1:00PM-5:00PM
WADE BURNS VFW 7279
PSYCHIC ENLIGHTENING
Admission: $55.00 includes Psychic Christopher Allen, light lunch, beer, wine, soda and cake. Wade Burns VFW 7279 560N. Delaware Ave. in Lindenhurst. For more information, please contact 631-965- 6459
FRIDAY, OCT. 24th
DOORS OPEN 6:00PM BINGO STARTS 7:00PM WEST ISLIP FIRE DEPT LADIES AUX MUSIC BINGO FUND RAISER
West Islip Fire Dept. 309 Union Blvd West in Islip. Tickets $20 extra cards for sale, 50/50, Lotto board. Raffle baskets. for more information and for tickets, please call 516-318-530. Light food for purchase. Donate a non perishable item for a ticket to a special raffle
6:30PM-8:00PM
HAUNTED HIKES
Garden City Bird Sanctuary, 182 Tanners Pond Rd. in Garden City. Long Islands favorite family Haunted Hike is back. With both Scary and not so scary walks (on separate trails) a maze and some fun photo opportunities. For more information, please visit https:// thegcbs.org/gcbs-home
Safe Trick-Or-Treating Tips
Halloween is enjoyed by people of all ages, but few get a bigger kick out of the holiday than children. There are costumes to be worn, time spent with friends and the opportunity to collect free candy and other treats.
Although Halloween can be a fun time, the Children’s Safety Network warns that it’s also a time when accidents can happen. According to the CSN, the most dangerous day for child pedestrians is Halloween, with two times as many child pedestrians dying on Halloween compared to other days. It is essential to prioritize safety on Halloween, and following these guidelines can help.
• Make sure costumes are short. Costumes that drag on the floor are tripping hazards, which can lead to injury. Be sure that costumes do not cover the feet or drag on the ground.
• Trick-or-treat in groups. Children are safer in numbers due to the increased visibility of a crowd and because, if something happens,
others can call for help. Parents can use their discretion on what age they feel is mature enough to let children go out alone. Until then, children should be accompanied by adults.
• Improve visibility. It’s important to be seen while trick-ortreating, and that can be achieved by making sure costumes and trick-or-treat bags feature reflective tape. Trick-or-treaters also can carry flashlights or glow sticks to improve visibility, and stick to areas with streetlights if going out after dark.
• Stay on sidewalks. When-ever possible, trick-or-treaters should stick to the sidewalks and avoid walking on the roads. This may not always be possible in neighborhoods without sidewalks, where parents and youngsters must be especially careful.
• Eat before trick-ortreating. A meal or snack before trick-ortreating can reduce the tendency to fill up
on candy while out and about. All candy and other treats should be inspected by an adult before it is eaten.
• Keep pets locked away. Animals can become skittish when there are many people loitering outside of homes or ringing doorbells. Keep pets in a quiet room away from the action to prevent them from getting loose, injured or
scared enough to bite or scratch someone.
• Avoid masks that obstruct vision. It can be hard to see peripherally with a mask on, so avoid costumes with masks that compromise vision.
• Test out makeup beforehand. All makeup used for costumes should be tested for allergic reactions prior to use.
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Did You Know?
Volunteering is a great way for individuals to strengthen their communities, but it also can be a unique way for individuals to improve their own overall happiness. A recent study published in the Journal of Happiness Studies examined 70,000 participants, each of whom received surveys that asked questions regarding their volunteering habits and mental health. The study found that, when compared to those who did not volunteer, people who had volunteered in the previous 12 months were more satisfied with their lives and gave their overall health higher ratings.
A Guide To Mortgage Interest Rates
Buyinga home is the most expensive purchase many people make in their lifetime. Some people do it only once, while others are in the market with greater frequency. In any instance when the home-buying process involves securing a mortgage, buyers can benefit from knowing a thing or two about mortgage interest rates.
A mortgage interest rate can help buyers determine if a given home is affordable or beyond their budget. Rocket Mortgage says mortgage interest rates can have a major impact on long-term costs, so it is imperative to seek the lowest rates possible. However, an assortment of economic variables affect mortgage interest rates, and conditions unique to each buyer also can affect the rate they’re eligible to obtain. Understanding home loan rates can help potential buyers better navigate the complex process of buying a home.
What is mortgage interest?
When a person buys a home with a mortgage, he or she doesn’t just pay back the amount borrowed, which is called the principal. The loan also requires paying interest, which is essentially the cost of borrowing money. Mortgage interest is calculated as a percentage of the remaining principal, says Investopedia. How are mortgage rates set?
Mortgage rates are not determined by a single variable. They are derived from a combination of factors that include the Federal Reserve’s monetary policy, economic conditions, and a borrower’s personal financial situation. The Federal Reserve (in the United States) influences the overall rates by adjusting the federal funds rate, or the rate at which banks lend to each other overnight. This not only impacts mortgage rates, but also additional interest rates, according to Fannie Mae. Lenders will ultimately decide on the specific rates to offer borrowers.
How does a borrower’s financial situation affect mortgage rates?
Lenders will conduct a thorough assessment of a potential borrower’s creditworthiness. They will look at, among other things, a borrower’s credit score and debt-to-income ratio. A higher credit score typically results in a lower interest rate. A lower DTI indicates a lower risk to the lender, also potentially resulting in a lower interest rate. Squaring away finances well in advance of applying for a mortgage can help home buyers secure lower interest rates that could save them considerable sums of money over the life of their mortgages.
How do loan types affect mortgage interest?
A home buyer will pay interest no matter
the mortgage type, but there are options to select a fixed or adjustable interest rate, or even an interest-only mortgage.
According to Bankrate, with a fixed-rate mortgage, the interest rate remains the same throughout the life of the loan, meaning the payment for principal and interest will remain consistent. Additional charges that are wrapped into mortgage payments could change, however. Property taxes and homeowners’ insurance charges could increase, for example. Fixed rates tend to be lower when the term of the mortgage is shorter, so borrowers can opt for a 20-year mortgage over a 30-year to save some money on interest.
An adjustable-rate mortgage (ARM) will see the interest rate change during the repayment period. It may start with a low introductory rate for the first several years of the loan, but then it can go up or down depending on market indexes and benchmarks. Many lenders put a cap on how high the interest rate can go, however. Various factors determine mortgage interest rates for home buyers, including market conditions, credit standing, federal rates, the type of loan, and term length.
“If you can’t feed a hundred people, then feed just one.” – Mother Teresa
Sometimes life can become overwhelming. There are so many people who need help, but where do we even begin?
When I think about ways to show my gratitude and helping others, I think about the quote from Mother Teresa. I might not be able to feed every adult and child who is hungry today, but with your help, we can help feed some of them.
We can create a ripple effect. Someone in the next town will see what we are doing, and they will start their own food or clothing drive…and then someone in the next town, and the town after that. Pretty soon, millions of people who needed support during a tough time in their lives will nd it. Hopefully, they can pay it forward when they have the means to do so.
Gratitude causes ripples, and ripples cause change. Let’s create some ripples this month for people who can use our help. Here are the details:
What: Thanksgiving Food Drive for St Vincent de Paul food pantry
Where: Our Lady of Perpetual Help Lindenhurst.
When: The month of October. All donations must be in by Saturday, November 1st
More: We will collect nonperishable items for Thanksgiving dinners at JoAnn Cilla Real Estate, 203 E Montauk Hwy Lindenhurst NY 11757 on the following days:
• Mondays 3pm-5pm
• Wednesdays 12pm-2pm
• Fridays 11am-1pm
• Saturdays 10am-1pm
If you can’t drop off at these times or need us to pick up your donation, please call me at 631-539-6000. I am grateful for your help, JoAnn.
