Life and Homes Southern Tier

Life and

Southern Tier

Homes

Free FREE Aprilj u2010n e 2015

R e s iB d er innt igai ln g • Cpoemo m p le er c ai anld • hMouml tei s- F ta omgi el yt h• e Lr a n d w w w. L i f e a n d H o m e s . c o m

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Make Your Move FREE Real Estate Guide @ www.LifeandHomes.com

Welcome Summer Market Looks Healthy

Life and

Homes

Sunshine and warm weather have combined to breathe life into the local and national real estate market, and now that it has started rolling, it’s quickly picking up steam.

southern tier, NY Edition Published By

Richard & toni granger 607-731-8298

Days on market, D.O.M., signifies the number of days a property has been actively listed on a multiple listing service before it moves to a pending status or is removed from the market by the owner.

The median age of listings nationwide in April was 10 fewer days than in April last year, Realtor.com reports. Inventory, they say, is moving fast.

“The average DOM is the total days on the market of all the properties for sale in an area divided by the number of listings; this can give a picture of the health of the real estate market in a locality,” says Wisegeek.

You can expect to see a lower local D.O.M. average when the housing market is healthy, inventory is steadily moving and asking prices are realistically set. For sellers, a fast moving market brings hopes of healthy offers received shortly after listing their home. Buyers have a bit more of a challenge in an active market. They have to know what they are looking for and come to the table prepared to make a respectable offer when they’ve seen a listings that meets, or mostly meets, their criteria. In an active market, he who hesitates, generally loses.

452 Milton St, Elmira NY 14904 toni@lifeandhomes.com Publication Franchisee, RMC Richard & toni granger

Toni & Richard Granger

Real Estate Marketing Consultants

Southern Tier LifeandHomes™

607-731-8298 • Toni@lifeandhomes.com

452 Milton St. Elmira NY 14904

607-731-8298

Table of Contents

Advertising Deadline

Welcome

2

Magazine Deadlines Page

2

News Shorts House Listing Directory Commercial Section Support Local Business Ask The Expert

3,8 9,18 15 19, 22, 23 21

July Issue June 5 2015

Corporate Office David Lisi, OW NER 315-865-5845 David@LifeandHomes.com Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354 315-865-5845 Fax 1-315-865-7418

www.LifeandHomes.com/Southern-TierNY

Ask your agent for up-to-date information on the local market then work closely with them, whether buying or selling, to make sure you’re prepared to take full advantage of current market trends.

Review the listings in this issue then visit LifeandHomes.com to see what’s happening in our local market. Act now so you can enjoy the summer months in your new home.

Richard & Toni Granger

607-731-8298 • Toni@lifeandhomes.com

Van Etten, NY 607-564-7931 / 607-738-4738 We Service Chemung, Schuyler, Tompkins, & Steuben Counties

Buying or selling a home?

If the home you are buying or selling has a septic system, it is important to have it checked before closing. Let us help you put your septic worries to rest.

2

LifeandHomes ■ Southern Tier

For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2015 Lisi Merchant Solutions, Inc.

5 Home-Improvement Projects To Help

Sell Your Home

The real estate market has improved across much of the country, but homeowners thinking about listing their homes this summer need to stay competitive to attract buyers. Buyers are looking for long-term homes, ones they want to stay in for years while raising their children, or settling down and retiring.

To prepare your home for listing – or simply to enjoy it a few years longer – check out these top five home improvement projects you can do yourself to make your home more attractive to buyers: 1. Give the front door a new look – The front door sets the tone for your home’s curb appeal and security, and is the first impression for buyers.

If your door is in good shape, you might just need to give it a refreshing new coat of paint or new hardware. But if it’s seen some wear and tear over the years, consider replacing it with a steel door – one that will show buyers your home is safe.

2. Update the most-used entryway – The garage door is traditionally the most-used door in the home. Replacing this door with an insulated steel door will not only improve the exterior look of your home, but also keep the garage space warmer.

3. Add additional living space – You might not think about adding a deck as the same thing as adding an extra room to the house, but if you’re selling your home during the warmer months, that’s how buyers will see it. They’ll be able to picture themselves enjoying breakfast and picnic dinners outside. To make your deck a good selling feature, consider using ProWood Dura Color, a color-treated wood that retains its color for years.

Realtor.com estimates that homeowners can recoup 87 percent of the investment of adding a deck when they sell.

newsShorts

4. Create a bathroom retreat – As the smallest room in the house, the bathroom tends to cost the least to remodel. If you have a guest or master bath that can use a little help to transform into a relaxing oasis, take the opportunity to replace the flooring, paint the walls and replace the accessories with more modern styles. Faucets, showerheads and even the toilet can all be upgraded with water-saving and stylish designs.

Buyers will take note of a maintenance-free bath, making your home one they’ll remember as move-in ready.

5. Turn the backyard into a private paradise – Buyers will be visualizing themselves in your backyard when touring your home. Consider adding a beautiful wooden fence to enhance the privacy. It will make the home attractive to families with children and pets, and for couples who aren’t interested in having a conversation with the neighbors every time they go outside. To make your fence an attractive selling feature of the home, consider using ProWood Dura Color fence pickets or pre-built panels that stand up to the sun’s harsh rays and won’t gray out over time. (BPT)

Plan Now For Your Big Move this Summer

The big move. No matter the distance, amount of belongings or number of people, your big move is going to be a big deal. There are ways to plan for your move so the big event doesn’t overwhelm you.

Here are five moving tips from Penske Truck Rental, which has been helping customers complete their big moves for more than 40 years.

1. Less is better – The less you have to move, the easier your move will be on your body and your wallet. It will also be easier to fit everything into your new house. While packing, create three piles.

The first is your “must-go” pile. The second is your “must-sell” pile, which includes anything you haven’t used in the last year, anything you have multiples of and anything you just don’t want any

more. The third is the “must-throw” pile, and it contains anything that can’t be sold at a garage sale or donated. Start creating these piles now, and it will make moving day much easier.

2. Stock up on supplies – Big boxes might seem like a great idea because they can hold so much stuff, but what happens when you try to lift one and carry it down a flight of steps? Stock up on boxes of multiple sizes, but keep in mind that smaller is much easier to carry. Also stock up on foam and bubble wrap to protect your fragile items, a good supply of packing tape and bold markers for labeling boxes. You’ll also want to have moving blankets and hand trucks to make it easier to transport your items.

3. Rent a truck – One trip makes the big move simple, even if you’re just moving across town.

Penske Truck Rental guarantees a truck for every reservation. Most movers find the 12- or 16-foot truck perfect for moving a few large items or the contents of a small condo or apartment. For guidance with larger moves or with your truck selection, visit www.PenskeTruckRental.com.

4. Pack smart - Load the heaviest items on the truck first. When you’ve got a sturdy base of the heaviest items, you can start stacking on top. This is when it’s handy to list a box’s contents on its side. If you have friends and family helping, they’ll know not to set books on top of your china.

5. Safety and security - Trucks are taller, wider, heavier and require more stopping distance than the vehicle you are used to driving. Take extra precaution, especially when the truck is loaded.

Watch out for low-hanging tree branches and building overhangs, and use extra caution when cornering. To protect your belongings, park in well-lit areas and padlock the rear door. To make sure you’ve got everything you need on moving day, create a travel bag for keeping important paperwork, credit cards, identification, a change of clothes, drinks and snacks close at hand.

For a complete list of moving tips, visit www.PenskeTruckRental.com.

As you cross days off on the calendar and the big day approaches, these tips will help you sail through the event with few conflicts. Before you know it, you’ll be settled in your new home. (BPT) June

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3

RICHARD WINTERS REAL ESTATE Real Service in Real Estate

607-937-5438 Painted Post, NY

www.realestatebywinters.com

Addison

$61,325

Painted Post

$72,000

Painted Post

$129,900

Corning

$70,000

Elmira Heights

$49,900

Wayland

$85,000

Corning

$259,000

Campbell

$102,900

$149,900

Corning

$99,000

Bath

$245,900

Kanona

Painted Post

0 Eddy Rd. - Lighting all new--neg. on furnishings, woodsy setting w/ lake view. Treated deck, plumbing new, wrap around deck-parking area. 15 ft. access w/ dock near A frame.

Windows new except picture window.

166 Horseheads Blvd - 2 story spacious older home located in the Village of Elmira Heights.

Corner lot.

Troupsburg

4219 Cook Rd. -Private location w/ winding driveway. Fantastic views. Living room w/ fireplace, open dining area and equipped kitchen, 1/2 bath, upperlevel w/ huge family room, bedroom & bath & wet bar.

140 Charles St. - One owner 48 years, shared driveway, lots of room, high ceilings, 1 bedroom down & bath and 4 bedrooms up & bath. Upstairs not used for years.

19 W Naples St. - Beautiful kitchen w/ built in eating area, range, refrigerator, dishwasher.

Living room w/ fireplace, half carpet, half hardwood. TV room, huge dining room, all new windows, separate laundry room w/ dryer.

149 Cayuta St. - Original wood work, charming 3 bdrm, 2 full baths, corner lot. Updated oak kitchen w/ breakfast bar & appliances, dining area, master suite w/ bath. New 200 AMP electric, new windows.

117 Keefe Blvd -Well maintained Cape in desirable Painted Post location w/ central air.

Open floor plan w/ fireplace in LR, form DR, kitchen w/ appliances, 2 extra large bdrms, 2 full baths & 1/2 bath on first floor. Full basement.

5710 Dyke Rd- Pastures are rented. Large LR, DR, kitchen w/ newer windows & range, full bath w/ laundry room (not finished) back room w/slider.

Up are 4 bdrms, 2nd bath & room that could be finished. Acreage adjoins State Land.

7356 County Rte. 89 -Warm & wonderful Contemporary on 30+ secluded park-like acres on wonderful trout stream. 3/3, open plan, walk-out basement, rec room, spacious rooms, modern kitchen, decks, balconies, screened porch.

2517 Fairway Rd. - Room above garage can be large 3rd bdrm or family room. Enclosed porches. Carport. Shed. New carpet in most rooms. Kitchen cabinets freshly painted.

Appliances stay and are AS IS. Stove new.

Corning

$72,600

0 Lee Rd. - 44 ACRES of wooded land withTimber Value. Great for hunting. Area close to town.

Mineral & gas rights do not convey. Assessment is on house & 47.97 acres but house was sold off w/ 3 acres has not been re-assessed per apple miner.

Painted Post

$111,000

$22,500

Tuscarora

$150,000

$79,000

Bath

$103,500

4200 Hough Rd - Open floor plan up w/ 2 bdrms, full bath, living, dining & kitchen w/ dishwasher, range,refrigerator. Deck off kitchen in back & front deck, lower level family room, 2 bdrms, full bath.

5895 Railroad Ave- AS IS and this one needs everything inside & out. Large lot.

3 Meade Street - Carpeted living room w/ fireplace, formal dining room, kitchen w/ appliances. 1 bdrm, full bath w/ handicapped shower, up are 2 large bdrms w/ storage along eaves. Full basement. Water softener rental.

1475 Stewart Rd. - Great hunting & recreational property with furnished 30 foot RV and covered deck. Come enjoy this private location.

Whether you are looking to buy or sell in or around the Elmira - Corning area, you have come to the right place!

You can have the comfort of knowing that you are working with the most qualified professional who is dedicated to you and will always be looking out for your best interests and striving to make the real estate process as comfortable and pleasant as possible.

4

LifeandHomes â– Southern Tier

Bath

$49,000

103 Pine St. - Nice starter home with fenced lawn. Bring the family. Showings can only be Saturdays and Sundays for the time being.

219 E High St.. - Exterior painted 2014, new electric to pole, new water line in basement, replaced sheetrock & painted large kitchen, living room & 2 bedrooms first floor, full bath. 2 bedrooms up w/ 1/2 bath. Detached garage.

311 Maple Heights - Heated sunroom off kitchen area. Large living room w/ hardwood floors & fireplace, dining area, knotty pine accents. Galley type kitchen. Full basement w/ semi finished room. This will be a short sale.

34 Retirement Drive Horseheads, NY 14845 (607) 739-0521 retirementestates@aol.com

Homes open for viewing Mon - Thurs 10AM - 2PM or call for appointment.

OPEN HOUSE

on Saturday June 20th from 11 AM till 2 PM • All One Level Homes • Safe, Friendly Neighborhood 329 Easy Street, Horseheads | $80,000 • Community Center for Large Beds 2 | Baths 2.0 | Size 1056 s/f Gatherings & Activities Large kitchen, living room, dining room, sun room and garage! Ready for new owners!

Tour Sheets and Refreshments Available in Our Community Center Homes Also Available for Viewing Mon-Thurs 10am-2pm, or by Appt.

27 Retirement Dr, Horseheads | $85,000

A 3 bedroom, 2 bath home w/ great bones in need of some TLC. Large kitchen w/ breakfast nook, large front room for living & dining areas

213 Leisure La., Horseheads | $150,000 123 Rocking Chair Rd,Horseheads | $89,000 39 Retirement Dr, Horseheads | $89,900 206 Leisure La., Horseheads | $124,000

Beds 3 | Baths 2.0 - Large kitchen with lots of cabinets, Corian counter tops, breakfast nook, open floor plan, bow window, sliding doors, tray ceiling, maintenance free exterior.

Beds 3 | Baths 2.0 | Size 1232 sq ft.

Master bedroom with walk-in closet and attached bath. New wall to wall carpet throughout and just painted!

Beds 2 | Baths 2.0 | Size 1400 sq ft.

Beds 3 | Baths 2.0 | Size 1232 sq ft.

This is a well kept 3 bedroom, 2 bath (one with This immaculate home has 2 bedrooms and 2 a walk-in shower)home. There is a large carport baths (the master bath has a walk-in shower). large living room and large eat-in kitchen with storage room and paved driveway.

22 Retirement Dr, Horseheads | $133,900 35 Retirement Dr, Horseheads | $134,000 133 Rocking Chair Rd, Horseheads |$140,000 25 Retirement Dr, Horseheads | $142,000 Beds 3 | Baths 2.0 | Size 1680 sq ft.

Beds 3 | Baths 2.0 | Size 1232 sq ft.

Beds 3 | Baths 2.0 | Size 1888 sq ft.

This spacious home has 3 bedrooms & 2 baths. This is a lovely 3 bedroom, 2 bath home with Beautiful home w/ many upgrades, cathedral There is a large kitchen w/ a breakfast nook & a large carport and storage room at the back ceilings,dining area, roomy kitchen, family large front room for living & dining areas. of the carport. room with built-ins, 4 season room.

Beds 3 | Baths 2.0 | Size 1568 sq ft.

A 3 bedroom, 2 bath home w/ open floor plan has too many features to list here. The kitchen features a Breakfast Bar & lots of storage.

127 Rocking Chair Rd, Horseheads |$139,000 248 Leisure La., Horseheads | $152,000 119 Rockingchair Rd, Horseheads | $249,000 Beds 3 | Baths 2.0 | Size 1792 sq ft.

Beds 3 | Baths 2.0 | Size 1792 sq ft.

Beds 3 | Baths 2.0 | Size 1896 sq ft.

Beds 4 | Baths 3.0 - You will be amazed when You will love this home! Not only does it have This immaculate 2 bedroom, den, 2 bath home you view this wonderful home! This 4 bedroom This home with one of the most favorite floor plans can be yours today! It offers 3 bedrooms, 3 bedrooms & 3 baths but also formal dining has a large living room, separate dining room, & 3 full bath home also has a walkout baseroom, living room, morning room, & family room.

3 full baths, living room and family room. kitchen, morning room, and family room. ment, decks & 2 car garage!

346 Easy Street, Horseheads | $147,500

June

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5

The Jennifer Baker Team Jennifer M. Baker

Realty USA - Market St 48 West Market St Corning, NY 14830 Office: (607) 936-4609

GRI, ABR, ePro, Licensed Real Estate Sales Person, NY & PA JenniferMBaker14870@gmail.com

Call/Text 607- 857-2077

$92,500

Just over the border in PA. Low taxes! Offers 3 bdrms & 2 full baths! 2 lrge bdrms w/full bath at one end,lrge living rm w/ new carpet, wood-burning fireplace,lrge dining rm area w/new laminate flooring, master suite w/full bath & large walk-in closet. Spacious eat in kitchen w/Island & breakfast nook,laundry rm off kitchen. Covered deck overlooking a private yard. Permanent foundation/skirting installed to qualify for all mortgage types. MLS#R239039A

Campbell, NY

$119,000

$600 toward flood ins.! Home completely renovated/completed 2010. Enter large deck in rear takes you to mudroom w/bar area, open floor plan looks through to living rm. Kitchen has porcelain tile counters & backsplash, newer appliances, breakfast bar, dining rm & large kitchen. Cathedral ceilings to 2nd flr. Upstairs are 3 large bdrms w/tons of closet space incl. a master suite w/walk-in cedar-lined closet that takes you to laundry & porcelain-tiled bath. MLS#R239304A

Horseheads, NY

$86,500

Large ranch w/ much room to grow. Pull up to paved driveway or extra parking in front. Enter living room & go left to 2 bedrooms, 1 full bathroom. Go right to 2 rooms; 1 is a huge walk-in closet & then to large bedroom. Walk straight through galley-style kitchen w/ dining area & large formal dining room. To the right (w/ a door, this could be 4th bedroom), laundry room off kitchen, large screened room off back overlooking fenced-in landscaped yard. MLS#R239501A

$1,100,000

Custom-built contemporary West Shore Cayuga Lake, close to Ithaca. Lakefront year-round residence, beautifully designed with 4 custom fireplaces and glass detail. Updated kitchen, 4 bedrooms and 3 bathrooms.

Separated living space adjacent kitchen for guests, private master bedroom on second floor and lofted ceiling bedrooms on top floor. Secluded from Taughannock Blvd.

Separate rental house.

1121 Taughannock Blvd. • 2,570 s/f. • Rental unit: 864 s/f

474 Millard Hill, Newfield, NY

Joe Ciaschi, Licensed R.E. Salesperson 607-339-9739-Cell Visit Site: www.conceptreny.com

Cindy Cox 6

LifeandHomes ■ Southern Tier

Call/Text 607-738-3129

JenniferBakerRealEstate 100% Dedicated and Ready to Work for You!

Lawrenceville, PA

Ithaca

Larry G. Baker Jr. Licensed Real Estate Sales Person

Campbell, NY

$98,900

Elmira, NY

$59,900

Bath, NY

$98,500

3BR,1.5BA home with many upgrades. Includes new kitchen, first-floor laundry, full bath with ceramic tile. Sun room with new windows. 3-tier deck that is attached to 2-car detached garage with heated office. Open floor plan. Hardwood floors.

Beautiful woodwork. Blacktop drive. Minutes to interstate.

Cable, cell & natural gas offered. Small area in basement partially finished. MLS#R239790A

Well-maintained 3-bedroom home offering 1st-floor bedroom, living room w/fireplace, centrally located kitchen, formal dining overlooking a screened in porch, fenced in backyard w/ privacy. Full basement for storage & a workshop. 2nd floor offers 2 large bedrooms, 1 is huge, the other is large & has an additional room (enclosed balcony) & closet area w/ built-ins, full bath is located at the end of the hall. Home has been painted on the interior & exterior. MLS#R239919A As you pull up front, the large covered deck with vinyl grabs your attention. Foyer opens to the large living room & open space through the family room, dining room, breakfast bar and large eat-in kitchen. First-floor laundry with large pantry.

Upstairs offers 2 large bedrooms, walk-in closets, unfinished attic for more storage and full bath. Fenced-in yard, 2-car garage & large dry basement with workshop! MLS#R240120A

Featured Property

June

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www.Life and Homes .com

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Plug Into These Spring Tips For ASmarter Home The days are finally becoming longer and the weather is getting warmer, which means it’s time for spring cleaning, upgrading and refreshing your home.

Consider these tips to get your home ready for a fun, smart and cost-efficient year ahead.

Control your thermostat via smartphone apps.

The weather is finally cooperating, so you may no longer need to leave the heat on all day.

Now, with the touch of a button, it’s possible to control your AC/heat and lighting from a remote location. Save on your energy bills by using Wi-Fi controlled thermostats and switches. Best of all, you won’t come home to a sweltering house!

Sync your home sound systems. Summer is just around the corner, which means outdoor barbecues and parties. With all the options in Bluetooth audio available today, you can eliminate unattractive, bulky speakers. New, smaller and sleek Bluetooth devices are easy to hide, while providing excellent sound. You can also sync up music in every part of your home and control it all via your smartphone.

Add charging stations throughout your home.

Invest in turbo phone chargers that significantly speed up charging time – and you’ll be everyone’s new best friend. Additionally, install USB ports to your electrical outlets. This makes it much easier for everyone to charge smartphones, tablets and other devices without having to plug in to your laptop first.

Power your home with the sun by going solar.

When you’ve completed spring cleaning and upgrading, you’ll want to sit back, relax and enjoy your productive achievements without

newsShorts

worrying about how to pay for the electricity behind all of these fun new gadgets. Thankfully, home solar is a growing trend that is going mainstream and an extremely easy option for homeowners to adopt. Sunrun, the largest dedicated residential solar company in the U.S., makes going solar simple by designing, installing, financing and maintaining customers’ solar panels. On average, Sunrun customers save 20 percent on their energy bills and spend those savings on other things they love.

Flaunt your new upgrades. Now it’s time for you to show off everything you’ve invested in, so your friends and family can see what a trendsetter you are. Many will leave your house wondering how to wirelessly sync up every screen and gadget in their own homes, while simultaneously saving money.

Visit www.sunrun.com to learn more about how solar energy upgrades can help you save money on your electric bil l and provide you with cleaner power and a smarter home. (BPT)

Simple Solutions for

Bringing the Indoors Out Gone are the days of basic backyards outfitted with plastic furniture and folding lawn chairs. Today’s outdoor spaces have evolved to become true extensions of the home offering all the style, comfort and function of an interior living area.

Following are some simple DIY tips from the experts at Trex for adding interior function and flair to your outdoor oasis: Focus on furnishings - When selecting furniture for your outdoor space, look for durable materials that will withstand the environmental elements.

Trade in those flimsy folding chairs for more substantial pieces made of heavy duty frames with soft but durable cushions for optimum comfort.

Maximize function - When designing your outdoor space, define functional areas for different activities just as you would inside your home.

Dedicate a space for grilling that affords a safe distance for guests and children from active flames and irritating smoke. Accompany large chairs with upholstered ottomans to create an inviting atmosphere and increase available seating.

Finally, keep your outdoor space organized and eliminate all those pesky trips back and forth into the house with storage components similar to those you’d find indoors. The new Trex Outdoor Storage collection offers a variety of stylish, waterproof options from hidden ice chests and trash bins to integrated cabinets and drawers for storing pillows, yard games and pool equipment.

Illuminate with lighting - According to a recent survey, outdoor lighting ranks as the number one product that consumers want to add to their outdoor living spaces. Fortunately, it’s easier than ever to install lighting thanks to “plug-and-play” components like those in the Trex Outdoor Lighting collection. Available through Amazon.com, consumers can choose from a wide array of lighting options that can be easily installed into a deck, railing or landscape to significantly enhance the atmosphere and safety of any outdoor living space. Or for entertaining, incorporate string lights into the space.

Add the accessories - To make your outdoor space truly feel like a “room” and a seamless extension of your home, incorporate interior-inspired accents such as decorative area rugs, but be sure to follow manufacturer guidelines - as some rugs react with materials like PVC. Other “indoor” accessories to consider include cushions, pillows and throw blankets made of weather-resistant fabrics. Add personality and color with plants, flowers, artwork and whimsical accessories, just as you would inside.

For more inspiration and ideas for bringing the indoors out, visit www.trex.com. (Family Features)

The Elmira-Corning Regional Association of REALTORS ® will hold its

13th Annual Habitat “Fore” Humanity

Golf Tournament Friday, June 5th, 2015

at Willowcreek Golf Club in Big Flats.

Last year’s tournament raised $18,402, making their 12-year total proceeds over $144,798! All proceeds have been donated to the Chemung Co., Southeastern Steuben Co. and Schuyler Co. Chapters of Habitat for Humanity.

For information & registration forms, go to www.elmira-corningrealtors.com under Community Involvement/Upcoming Events.

8

LifeandHomes ■ Southern Tier

Open Market Listing Service™ Addison

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Cameron

$69,900

3940 Eddy Road

$14,900

County Route 22

3 Bedrooms / 2.0 Baths

Land or Lot; Perfect for Cabin

QSN #369407

QSN #369416

Crystal Real Estate Antoinette M. Fratarcangelo

Makitra Real Estate Steven (Sam) A. Makitra

Realtor

Realtor

607-962-1966

607-776-2468

tonibgf@aol.com

Bath

sam@makitrarealestate.com

Corning

$89,900

206 Campbell

$65,000

Jolley Way

Great Income Potential

4.2 Acres in Country Walk Estates

QSN #369417

QSN #369408

Makitra Real Estate Steven (Sam) A. Makitra

Crystal Real Estate Antoinette M. Fratarcangelo

Realtor

Realtor

607-776-2468

607-962-1966

sam@makitrarealestate.com

Bath

tonibgf@aol.com

Corning

$749,000

Welcome to Wold Lake

$135,000

80 Griffith St

3 Bedrooms / 4.0 Baths/ 1,400+ ft Lakefront

4 Bedrooms / 2.0 Baths

QSN #369413

QSN #369411

Makitra Real Estate Steven (Sam) A. Makitra

Crystal Real Estate Donna E. Palmer Horton

Realtor

Realtor

607-776-2468

607-962-1966

sam@makitrarealestate.com

Bath

chowdonna@aol.com

Corning

$129,900

106 Rumsey

223 Wall Street

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

QSN #369418

QSN #376783

Makitra Real Estate Steven (Sam) A. Makitra

Realty USA CORNING Pky Nancy Dubendorfer

Realtor

Broker Associate

607-776-2468

607-769-0488

sam@makitrarealestate.com

Cameron

nancyd@realtyusa.com

Elmira Heights

$89,900

4603 Covel Road Clean & Cozy Cabin

4 Bedrooms / 1.5 Baths

QSN #369419

QSN #348105

Makitra Real Estate Steven (Sam) A. Makitra

Realty USA Horseheads Elliott R. Blauvelt Jr.

Realtor

Broker Associate

607-776-2468

607-301-0069

sam@makitrarealestate.com

Nancy C. Dubendorfer Broker/Licensed R.E. Assoc.

(C) 607-769-0488

Crystal Real Estate

Donna Palmer-Horton

EBlauvelt@realtyusa.com

Realty USA - Horseheads 2783 Westinghouse Road Horseheads, NY 14845 Office: (607) 739-1444

Congratulations Elliott Blauvelt Jr.

has been awarded the status of Realtor Emiritus by the National Association of Realtors for 40 cumulative years of membership in the National Association of Realtors & in recognition of valuable & lasting contribution to the real estate profession in the community.

Elliott R. Blauvelt Jr.

Licensed Real Estate Agent

Realty USA - Corning 71 Denison Parkway West Corning, NY 14830 Office: (607) 936-4663 x.131

$77,000

249 Oakwood Avenue

Elliott ‘The REALTOR®’

4006 West Hill Rd, Painted Post, NY 14870

Licensed R.E. Associate Broker Cell/Text: (607) 301-0069 Office: (607) 739-6488 Ext 211

O: 607-962-1966 | C: 607-426-0161 chowdonna@aol.com

EBlauvelt@realtyusa.com

June

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www.Life and Homes .com

9

Are You Looking to Sell Investment Properties?

We are always looking for Buyers!

5298 Terry Road, Syracuse $695,000 (fully leased office/retail building, 10 year leases)

612-614 West Seneca Tpk,Syracuse $199,900 (4 unit fully occupied)

Allied Real Estate Investment Network 286 Genesee Street utica nY 13502

315-793-7580

Properties Brokered Through SBG Inc.

Whitesboro

$284,900

4 Kurts Kourt

MlS#1501250

this beautiful 4 bedroom colonial w/open floor plan is located in the desirable, peaceful herthum hills. the fenced backyard is one of the largest in the neighborhood & features a two-tier deck, patio, new fire pit & beautiful perennial gardens. all offers entertained.

coldwell Banker faith Properties

2306 genesee Street, Utica, new York

Judy hinman,

Lic. R.E. Salesperson

315.735.2222 • judy.hinman@yahoo.com 10

LifeandHomes ■ Southern Tier

Judy hinman

3208 West Genesee St, Syracuse $995,000 (fully leased office/retail building, 15 year leases)

Brokers Protected

Joel Siegfried Licensed R.E. Broker

315-796-2258 jSiegfried35@gmail.com

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HATFIELD Real Estate

www.HATFIELDRE.com

452 Milton St, Elmira NY 14904

607-795-1443

Always an agent on call! Call Today!

11585 Kelly Hill Rd-This home is only 6 years old, has had many upgrades, and needs nothing for it’s new owners! Also comes with 30 (mostly wooded) acres that is full of God’s creatures! You will enjoy the convenient but“out of this world”location! It’s just minutes from town but certainly feels like you’ve left the hustle and bustle of town far behind! Come relax in your own piece of heaven!

Pine City

$234,900

1150 Davis Street - Wow! This home is priced under the assessed value for a quick sale! New furnace as of 4/20/15, large space, makes a wonderful rental or a great home! Handicap accessible with very little work! Convenient location, on the bus route, and close to everything! Close to Arnot Ogden Mem. Hospital, shopping, restaurants, and employment!

What a great find!

Elmira

$52,900

Corning

$152,900

Elmira

$43,500

Elmira

$41,900

Elmira

$29,900

Elmira

$54,900

11947 St Rte 352 - Close to all kinds of recreational facilities, museums, racing, wineries, parks & the river! Inside you will find 5 bedrooms, 3 full baths, laundry on both levels, gas fire places, 3 season room w/built in BBQ grill & plenty of windows to let in natural light! The mother-in-law space in the basement could be your next office location, or a great man-cave! So many possibilities!

Horseheads $127,900

508 Shappee Street-You will love this home with absolutely everything on one floor!This 3 bedroom ranch has a sitting room, a family room, dining area open to the kitchen, a 3-season room, a work shop, patio, and garage all on the same level!This is a must see and the Seller is anxious as she already has her new home picked out!You will love the location of this home and the wonderful corner lot!

Elmira

$99,000

Elmira

$83,900

459 Maple Ave - BeautifulVictorian home built by Colonel Robinson! Grand Foyer w/FP, open staircase, & spacious rooms with high ceilings! Newer Kitchen that will make the chef in the house the envy of the entire neighborhood! 4 large bedrooms, finishable attic that would make a fantastic master suite! New in 2005: furnace w/ central air and new roof! Many new windows throughout the home!

730 Seneca Place - Nice 2-story home ready for new owners! Nothing to do but move in& enjoy! 2-Car Detached garage has everything you need to make this a wonderful workshop, man cave, party spot, or garage!

Inside there is a nice open floor plan, full basement& all of the bedrooms are on the same floor! Awesome location! Easy to get everywhere! Easy to see & motivated sellers will look at offers!

126 E Chemung Place - You will be amazed when you walk into this turn of the century home! Large rooms, formal dining room, upper and lower office areas, large kitchen, enclosed back porch, private back yard with garden areas, full basement, roof only 2 years old. No HOA’s. Quiet street with little traffic. Easy to walk to every grocery stores, pharmacies, and restaurants! On the bus route too!

911 Sycamore - Great starter or investment home. 1 year carpeting throughout except stairs. Hardwood under carpeting.Washer and Dryer can stay or not. Beautiful conditionWoodTex shed. Affordable enough to use as a rental! Great location: within walking distance to medical offices, schools, banks, shopping, parks and so much more!

320W First Street-There’s a lot of house for the money here! Great for the growing, extended, or blended family! Space for everyone and an awesome back yard for playing and bonding! Seller has done a lot of work to this home, there’s still some to do, but you can live there while you make it your own! Priced below assessment for a quick sale because they’ve already purchased another home!

1110 S Main Street-You’ll love making the changes to this home that will make it yours! Large living and dining rooms, lots of cupboards, too! Upstairs are two good-sized bedrooms and the full bath. Outside there is a fenced in yard and AN OVER-SIZED GARAGE! This owner had a work out room in there right along with their two cars! You will love it, and at this price you are getting a bargain! Get it while you can!

If you are Serious about a career in Real Estate, then you need to Seriously Consider

HATFIELD Real Estate 12

LifeandHomes ■ Southern Tier

No Floor Time • No Fees • No Quotas • No Meetings Yes to 80% • Yes to Bonuses • Yes to Advertising • Yes to Support!

Let’s Talk and See if We Make a Great Team!

Toni Granger, Broker/Owner • 607-7318298 • HatfieldRE.com

www.HATFIELDRE.com

452 Milton St, Elmira NY 14904

HATFIELD Real Estate

607-795-1443

Always an agent on call! Call Today!

Corning

$297,600

Elmira

$48,000

Elmira

$12,000

Elmira

$95,900

Addison

$29,900

Elmira

Only $47,900

Elmira

$47,900

Bath

Elmira

$74,900

Lowman

0 Buck Hollow Road Phenomenal private property w/ an amazing view!

As soon as you go up the approximately 1200’ gradual driveway, you will come to the perfect spot to build your dream home. The stocked, 1+ acre pond could be on one side & view of the hillside on the other. If hunting is your thing, you will be in wildlife heaven here! 3 custom built hunting stands.

509 W FIRST Nice two unit with separate utilities! Great investment opportunity, or live in the two bedroom (lower) and let the long standing tenant upstairs pay the mortgage! Mixed materials for exterior of home.

Refrigerator and stove in each apartment are included.

0 Curtis Street TWO LOTS READY FOR SOMEONE TO DEVELOPE! Lot size is actually bigger because one lot goes back 149 feet. CLEARED LOT WITH SOME MATURE TREES. Seller wants it sold and is firm on the price. The lots offer public water & public sewer at the curb, cable, roadrunner, electric & natural gas available. Perfect building spot!

430 BROADWAY Fully occupied, parking in rear, money maker! It’s a must see, easy to keep rented, large eat in kitchens in two apartments. Owner wants it sold! Previously listed at $124900! Get ready to make money!

0 County Route 1 This property would make the perfect spot for your dream home! Plenty of road frontage on both sides of property! Seller will provide the existing survey only with an affidavit of no change. Current owner owns half of the mineral rights in which will convey to the buyer at closing.

858 Roberts Hollow Rd (Lot 72) What a beautiful double wide! This home has been kept in such pristine condition you will never know that it has been lived in! Large rooms, open floor plan, 3 bedrooms and 2 full baths! Many extras throughout! Convenient location to Sayre, Waverly, Elmira, Horseheads and Ithaca!

Close to I86 so it offers easy commuting!

607 W WATER ST SELLER IS MOTIVATED! Separate utilities, large apartments and large rooms, huge storage building in back (could be an additional rental space), easy to keep rented, too!This is a must see property if you are looking for money making homes!

$112,500

6668 Tulip Trail 2 Bedrooms, 2 Baths, attached garage. Adult Community-Adults 55 years of age and older.

Rented Site $443-includes the use of a community building,snow removal, lawn care, water, and garbage. Custom made for physically challenged.

1006 WALNUT STREET Fully occupied (both on month to month). 2 refrigerators, 2 stoves, laundry hookups in first floor apartment. 2 car detached garage & a carport.

Separate utilities, great location, a must for investors to look at! Close to the Arnot Hospital and easy to attract professional tenants.

Only $15,000

926 Hoffman Hollow Rd, (Lot 215) Looking for an affordable 3 Bedrooms, 2 Full Baths home? Here is a handicap accessible home ready to fit your needs! Master bath and bedroom are all set up to make your life with challenges a whole lot less challenging! Easy access from Waverly, Elmira, Ithaca too! Only minutes to I86, close to a Park & Ride for carpooling, close to bus routes!

List with HATFIELD Real Estate and get your home SOLD!

June

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13

Painted Post $299,900 9637 Fieldstone Court

Horizons Realty

40 W Market St Corning, NY 14830

• Residential • Investment • Relocation • International Referrals

Amazing 2-story colonial with grand entrance and cathedral ceiling family room.

Freshly painted top to bottom. Brand new granite counter tops throughout the home, even in the bathrooms! Huge bonus entertainment room with built-in surround sound system on the second floor. Updated kitchen with center island in an open concept floor plan leads to the family room. Step out to the double deck and enjoy the panoramic view. Generous back yard for year around family fun. Brand new garage door opener, 1 yr old water heater & all newer mechanicals.

Painted Post 329 E High St

Mao-Fan “James”Wang NYS Real Estate Salesperson

Cell: 732-429-6713 JamesWang@ColdwellBanker.com

ACHTREE

$129,500

Truly a magnificent home not to be missed!

Show stopping original woodwork throughout. Spacious dining room with custom built-in shelves in a modern open concept floor plan leads to a gas fireplace equipped family entertaining room.

By providing access to both equity and debt markets, we are able to offer struc Beautiful wooden staircase and soaring to address rapidly changing markets, create the optimal capital structure, acces cathedral ceiling welcome you at the entrance. capital, and enhance the valueGenerous of complex transactions.

Selecting deck and a large fenced back yarddebt, equi capital can represent the most critical and diffi cult component of any real est provide for all year round outdoor activities.

requires seasoned professionals with proven track records of su

Commercial Lending Source BANK QUALITY LOANS - COMPETE WITH THE BANKS! Quality credit deserves quality rates.

We can provide the needed capital to build up a borrower’s commercial property portfolio and help them attain quality credit. We’re here to help our borrower’s reach the top tier of loan programs so they can benefit from our bank quality competitive rates and terms. We offer competitive rates and terms for loans which meet bank quality guidelines.

• Full Document Commercial Loans from $100,000 - $5,000,000 • 30 Yr Amortization with up to 10 Yr Fixed • LTVs up to 75% on most commercial Property Types (1st Liens only) *Select states and programs only

We work with A-D Credit, Other Programs Available.

For more information, please contact:

Joel Siegfried • 315-796-2258 • jsiegfried35@gmail.com 14

LifeandHomes ■ Southern Tier

LifeandHomes

™

Commercial Section

406-408 W CHURCH ST. ELMIRA

TS NI

Building is vacant TS and stripped to studs.

AP / S Zoned for 10 apartICE FF ments. Ready for you O to remodel. Seller’s want it sold! Some improvements have been made, others are waiting for your creativity!

Aproximately 12,000 sq ft of space for you to make money on!

U 5-6

306-308 SLY STREET ELMIRA, NY

Make this apartment house with 5 (possibly 6) units make you MONEY! Very affordable! Seller is anxious! REDUCED to $45,000

Call Lynne 607-731-1040 today!

HATFIELD Real Estate 607-795-1443

• Paved Parking Lot • All Contents Goes • Ready To Make $$ • Convenient Location • Out Door Seating • Affordable

Freddy’s Fish & Chips is now available for sale! This is an

awesome opportunity for the entrepreneur in you! It offers a money making location and everything else needed for you to get started with your own business! REDUCED to $35,000

$125,000

HATFIELD Real Estate 607-795-1443

452 Milton St., Elmira, NY 14904

HATFIELD Real Estate 607-795-1443

452 Milton St., Elmira, NY 14904

Painted Post $199,000

Millport

731 Addison Rd. - 4 prime commercial acres on Rte 417 formerly a church, blacktop parking, pole barn & church building. Sold AS IS. Building not of much value. 4, 396 Sq Ft, Large Parking area, DIRECTIONS: S. Hamilton Rd. over bridge to Rte 417 property on left.

452 Milton St., Elmira, NY 14904

$65,000

2009 Crescent St. - Basement of church 3 yrs ago new ceiling & door, concrete floor 2 stairways down, nursery room & 2nd dining room. 5 other storage rooms, two 1/2 baths, hot water heater. Upstairs antique bell, boiler. Church vinyl sided, roof new last year. First level pastor’s office w/ carpet/ chapel & alter.

607-937-5438 Real Service in Real Estate

1208 DAVIS STREET ELMIRA, NY

Beaver Dams

$149,000

370 NYS Rte 414 - Large repair garage w/ adjoining office space, masonry building has been a deli & store. Shop area insulated & has newer furnace. Separate 2 bedroom Ranch home. Cooler could be a paint bay or garage.

607-937-5438

Painted Post, NY

Real Service in Real Estate

www.realestatebywinters.com

607-937-5438

Painted Post, NY

www.realestatebywinters.com

COMMERCIAL

Real Service in Real Estate

Painted Post, NY

www.realestatebywinters.com

203 W. Thirteenth St, Elmira Heights $59,900 This small neighborhood church has a narthex and main level sanctuary as well as a lower level social hall with space dividers, stage, kitchen, office and utility room. Three newer forced air furnaces and upgraded wiring. Paved parking beside the church for 15+ cars.

361 West Water Street, Elmira $65,000 This vinyl and brick sided office building is currently occupied by Dr. Chen and consists of a foyer entry, reception room, secretarial area, 3 private offices, storage closet and storage area, kitchenette, half bath & basement. Centrally air conditioned, paved parking.

1219 Lackawanna Ave, Elmira $179,000 This well built, well maintained one story commercial building has approximately 12,120 square feet of combination office & warehouse space & is situated on a 120x306 lot w/ a large fenced paved parking area and/or outside storage area. Many recent upgrades.

521-523 Baldwin Street, Elmira $100,000 This Elmira manufacturing and warehouse space is ready to go! Lease or buy. Ready for business!

Assumable mortgage and possible owner financing may be available.

89 Fisherville Rd, Big Flats $995,000 This exceptional property includes a fully operational restaurant known as The Crystal House as well as 4+ acres of prime development land which borders along Route I-86 & Fisherville Road. The 1 story building has approx 7100 s/f of finished space on the1st floor.

515-519 Baldwin Street, Elmira $225,000 This Elmira manufacturing and warehouse space is ready to go! Lease or buy , all or part. Ready for business!

Fully-wired manufacturing facility featuring Square-D Overhead Bus Duct, air power, and water cooling systems is ready to go to work! 57,200 sq. ft. building.

311 College Ave, Elmira $135,000 Here is your chance to own your own business. Don’t miss this opportunity to own this popular restaurant located in the historic NearWestside.This would be a turn key sale which includes the operating business, all furniture, fixtures, equipment and building. 50 seat restaurant.

1310 West Church St, Elmira $995,000 The Dominican Nuns Monastery situated on 4.1 beautifully landscaped acres in West Elmira, is now available for sale. This historic property consists of over 24,000 s/f of buildings and over 65 rooms used for a variety of purposes including commercial kitchens.

1766 Grand Central Ave, Elmira Heights $249,900 4200 S/F one story building situated on a high traffic, high visibility corner lot. Low maintenance exterior & roof, plenty of off street parking. Ideal for a variety of retail & commercial uses.Adjacent single family home can be purchased; currently rented for $500/month.

250 East Water St, Elmira $299,000 Excellent single story office building convenient to banks, county offices & courts. Originally constructed in 1976 this building has been completely remodeled this year. Main floor has 2760 sq ft of 1st class modern office space, w/ kitchen & 3 bathrooms. Basement with full bath.

Clayton A. Ambrose

Licensed Associate Real Estate Broker

738-8999

Arthur D. Ambrose

Licensed Associate Real Estate Broker

738-8900

215 West Church Street, Elmira, NY 14901 607 -733-2700

June

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16

LifeandHomes â– Southern Tier

You Pick the Location, then our Highly Skilled Teams Build for you!

Commercial

Additions

Log Homes Already have a licensed contractor you prefer? They can do the work for you!

Infinity Sales RTG RICK GRANGER

607-331-1037 • InfinitySalesRTG@gmail.com

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LifeandHomes.com

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Open Market Listing Service™

Hammondsport

Millport

2 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

QSN #376784

QSN #376782

9326 Wixson Rd

$149,000

4902 Pinecrest Rd

Realty USA CORNING Pky Nancy Dubendorfer Broker Associate

Hatfield Real Estate Jane Bubacz

Licensed Real Estate Sales Person

607-769-0488

607-738-3353

nancyd@realtyusa.com

Horseheads

janebubacz@yahoo.com

Millport

$224,400

1127 State Route 13

4385 Main Street

4 Bedrooms / 1.5 Baths QSN #376548

$87,950

5 Bedrooms / 1.0 Baths QSN #348106

RE/MAX In Motion Michelle Smith

Realty USA Horseheads Elliott R. Blauvelt Jr.

Licensed Real Estate Sales Person

Broker Associate

607-882-3177

607-301-0069

remaxithacaoffice@gmail.com

EBlauvelt@realtyusa.com

Horseheads

$90,950 2252 Grand Central Avenue

Painted Post

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

QSN #348107

QSN #369412

$117,500

123 Fairview

Realty USA Horseheads Elliott R. Blauvelt Jr.

Crystal Real Estate Antoinette M. Fratarcangelo

Broker Associate

Realtor

607-301-0069

607-962-1966

EBlauvelt@realtyusa.com

Horseheads

tonibgf@aol.com

Painted Post

$139,900

519 Highland Avenue

$439,900

48 Swan Lane

4 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

QSN #376785

QSN #347954

Realty USA Horseheads Patricia (Pat) Y. Goodwin

Realty USA CORNING Pky Nancy Dubendorfer

Licensed Real Estate Sales Associate

Broker Associate

607-426-2787

607-769-0488

jgood15138@aol.com

Horseheads,

nancyd@realtyusa.com

Waverly

$119,900

14 Ponderosa Drive

$339,000

30 Dunkle Lane

4 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

QSN #376786

QSN #376547

Realty USA Horseheads Patricia (Pat) Y. Goodwin

NY-Penn Real Estate & Appraisal Steven L. Westbrook

Licensed Real Estate Sales Associate

Realtor

607-426-2787

570-888-9130

jgood15138@aol.com

swestbrook@stny.rr.com

Congratulations Patricia Goodwin has been awarded the status of Realtor Emeritus by the National Association of Realtors for 40 cumulative years of membership in the National Association of Realtors & in recognition of valuable & lasting contribution to the real estate profession in the community.

Realty USA - Horseheads 2783 Westinghouse Road Horseheads, NY 14845 Office: (607) 739-1444

Patricia Y. Goodwin

Licensed Real Estate Salesperson Cell/Text: (607) 426-2787

18

LifeandHomes ■ Southern Tier

Makitra Real Estate, Inc. 4 West Steuben St. Bath, NY 14810

Steven "Sam" A. Makitra

Jane Bubacz Associate Broker

(C) 607-738-3353

Broker/Owner

HATFIELD Real Estate

www.makitrarealestate.com

452 Milton St, Elmira NY 14904

607-776-2468

607-795-1443 www.HATFIELDRE.com Always an agent on call! Call Today!

LifeandHomes™

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Arnold Enterprises

Landscaping

Thomas J. Metarko, Owner tmetarko@stny.rr.com (607) 368-3673

We Do Your Dirty Work!

Andrew Arnold, Owner

607-207-5567

ArnoldAndy99@gmail.com

elmira 1897 College Ave elmira, nY 14901 (607) 733-0015

Pressure Washing Available starting at $99

Bath 7176 St Rte 54 Bath, nY 14810 (607) 776-2701

Penn Yan 2247 Route 54A Penn Yan, nY 14527 (315) 531-1590

The Ultimate Customer Experience

$5 Off Your Next Full Service Oil Change

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Custom Mouldings & Woodworking

The Shop New Angle Drilling

by Larry Horton

Clint Harkness

Custom Fit Bowling Balls

1699 Thompson Hill Rd Gillett, PA 16925

2437 Caton Rd Corning, NY 14830

607-483-5907

607-936-4283 | 607-329-1906 larbowl@aol.com

Does Your Roof Have Those Black Stains & Moss Growing?

Full Service Pro Shop

Where Anything Is Possible...

BEST Network Group is an association of non-competing, professional business people who meet regularly to share information pertaining to the local business communities as well as exchanging business leads and referrals. Each industry is represented by one member only in order to encourage the free and easy exchange of leads among the members while eliminating any chance of competitiveness.

www.BestNetworkGroup.com Our members meet every other Tuesday at 7:30 AM for a breakfast meeting at Curly's Chicken House Restaurant on Lake Street, Horseheads, NY. Facebook.com/bestnetwork

"An Association of Businesses Helping Each Other Grow"

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8 Ways First-Time Homebuyers Can

Make Themselves Mortgage-Ready It’s rare to get something right the very first time you try it, but when it comes to buying your first home, a lack of knowledge and experience can lead to costly mistakes.

One in four first-time homebuyers say they are completely unfamiliar with the mortgage financing process, according to a report by the Consumer Financial Protection Bureau. Even among those with an understanding of the overall process, the report found that many first time homebuyers still had significant knowledge gaps in important areas such as available mortgage rates, closing costs, down-payment requirements and income required to qualify for a loan.

“Not having all the information available could lead to consumers paying a higher interest rate or failing to secure an affordable mortgage for the home they want,” says Eric Hamilton, President of Vanderbilt Mortgage and Finance. “While most first-time homebuyers understand the importance of their credit report score in securing a mortgage, it’s important they arm themselves with comprehensive knowledge. Fortunately, there’s plenty of useful information out there for borrowers who want to do their homework before diving into the loan process.”

Vanderbilt Mortgage offers eight tips for first-time homebuyers: 1. Adjust your budget. A mortgage payment can increase your monthly housing expenses, so prepare by calculating what that amount will be and begin saving that same amount every month so you can get used to the budget change in advance.

Use a free online payment calculator to help you

predict your payment and understand your current debt-to-income ratio.

2. Plan for a down payment. Nearly all home loans will require you to put some money down as a down payment. Some home loans may require as much as 20 percent of the purchase cost as a down payment, although some Federal Housing Administration loans may require less. Decide on the amount you think you’ll need and create a savings plan to help you reach that goal.

3. Consider the location and type of home you want to buy. Many factors influence the cost of a home, including its location, size, style and more.

A larger home in a high-income area will generally cost more, and property taxes will be higher on a bigger, newer, well-located home. Many first-time homebuyers find manufactured or mobile homes are a good option. Knowing the estimated cost of the type of home you want to purchase can help you better manage your budget.

4. Stay on top of your credit. Lenders will consider your credit score and report history when determining your mortgage eligibility and the interest rate they may offer you. Make sure to review your credit report in advance. You can download a free credit report once a year from all three major bureaus at www.annualcreditreport.com. If you’re planning to apply for a mortgage, it’s a good idea to review your report more frequently and to consider paying to obtain your credit score from at least one major bureau. If your report contains errors, work

with the credit bureaus to have them corrected before you apply for a mortgage.

5. Keep current on monthly bills. While it’s important to save toward a down payment, don’t let monthly bills slide. Paying your bills on time every month can help increase your credit score, and a good payment history is something lenders look for when reviewing your credit report. Use online tools like email reminders and automatic payment options to help ensure you never miss or make a late payment.

6. Work on your debt. If you have delinquent balances, bring them up to date as quickly as possible.

If you carry a lot of revolving credit card debt, you may want to work to reduce it by paying more than the monthly minimum payment. While it helps to have a report that shows no late payments, the most important thing is to not have any delinquent balances before you apply for a mortgage.

7. Plan for escrow. In addition to the amount you will need each month toward repaying your mortgage, you’ll need escrow - an amount added to and collected with each monthly mortgage payment that is applied toward annual homeowners’ insurance premiums and/or taxes. Estimating taxes and total insurance costs can help you better understand how much your escrow will be each month, and you’ll be able to budget more accurately as you prepare for home ownership. Don’t forget that this amount may adjust every twelve months if your insurance premium or taxes change for the next year.

8. Take advantage of educational resources. From lenders’ websites to government agencies, it’s easy to find plenty of information online. Check out resources like the Consumer Financial Protection Bureau, the U.S. Department of Housing and Urban Development (HUD) and the Federal Housing Administration. (BPT)

Join the conversation of hope iMatter Spaghetti Dinner Fundraiser 4 – 7 pm The American Legion 71 Old Ithaca Road, Horseheads

Salad Bar, Spaghetti, Meatballs, Sausage, Rolls

Come support iMatter at their dinner on the 4th Tuesday of Every Month Bring your business card, pay for your meal, drop your card in the bucket!

Someone will win a free half page ad in Southern Tier LifeandHomes™ !

1 Entry Per Business Card. Drawing after 25 cards minimum have been collected.

Adults $8 • Seniors $6 • Children (under 10) $5 • Dessert Can Be Purchased at an additional cost.

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LifeandHomes ■ Southern Tier

ask the expert Looking for Answers to Your Home Related Questions?

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Where Quality Dwells And Service Excels The Farm Market Opens Officially May 7! * Our Local Meat is available All-Year-Round May-November Thursday-Saturday 11:00 a.m.-7:00 p.m. | Sunday 12:00 p.m.-5:00 p.m.

Maple Valley Farms is a family-oriented farm with a Farm Market located in beautiful Upstate New York, just below the Finger Lakes region. We offer a diverse array of home-produced items, everything from home-grown fruits and vegetables to truly home baked-goods, along with local farm fresh beef, pork, and chicken.

791 County Road 64 Elmira, NY 14903 • 607 562-8848 / 607 739-3215 • maplevalleyfarms.com

Private Tutoring

Shirley A. Norquest

Norquest REAL ESTATE

for New York State Real Estate Examinations Be CONFIDENT when taking your exam!

35 Years of teaching experience • Highly Successful teaching methods Personal interaction will help you retain the information Tutoring hours that work with your busy schedule Need Help? Call today!

Shirley Norquest, RA, AHWD

Call 607-739-9684 • Email: tnorquest@stny.rr.com

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J&M

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Power Washing Painting & Window Cleaning

Hot Dog Joint · Burger Restaurant · American Restaurant

Jerome Shope (607) 426-8711 jmpowerwashing@ymail.com

212 Baldwin St Elmira, NY (607) 732-9417 Family Owned and Operated

m&m red hots

We only use 100% Certified Toxic Free Organic & Wild Crafted ingredients.

Did you know? By 9 am the average person unknowingly applies over 125 toxins. It is legal for companies to use cheap harmful fillers & ingredients.

Is your family's toothpaste, shampoo, laundry soap, baby products etc. safe? www.gogreengetpaid.com/toxictruth

Judy Johnston 607-742-8682 www.essanteorganics.com/JGJ

Emily Conrad

Representative 1106 Walnut Street, Elmira NY 14905 607-734-5571 • avon@stny.rr.com Check out our weekly ads: avonman.biz

Supreme Clientele Barber Shop & Salon 707 Lake St, Elmira NY 14901

Professional Styling for Men, Women and Children!

Summer Offer!

FREE Char Broil Grill

500 off

$

any size motorized XL

Your Local SunSetter Authorized Dealer

For Qualified Buyers TO QUALIFY, ORDER BY: June 25, 2015

R M Spallone Builders, LLC 2908 Powderhouse Rd Corning, NY 14830

607-738-1987

Offer subject to change. Call us for details.

Can not be combined with other offers Only Available Through SunSetter Authorized Dealers

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LifeandHomes ■ Southern Tier

Authorized By: ______________ Authorization Code: ivf - 06B

LifeandHomes™

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Healing Touch

Massage Therapy Julie Bannon,LMT INTERIOR • EXTERIOR • ROOFING • SIDING Your Slate Tile Specialist • Free Estimates - Fully Insured

(607) 259-7607

607-425-1306

462 W Church St., Elmira Gift Certificates Available

blaze.brockway@gmail.com www.generalcontractorelmira.com

June

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LifeandHomes â– Southern Tier