FOR BREAKING NEWS VISIT www.qns.com MARCH 17, 2016 • TIMES 5 OPEN 7 DAYS FOR YOUR EASTER SHOPPING 11AM – 6PM Established 1925 Brings you the best chocolate for over 90 years H O P O N I N F O R A L L O F YOUR EASTER TREATS WE HAVE IT ALL Choose from the best of HOMEMADE Dark Chocolate- Milk Chocolate and White Chocolate BUNNIES - MARSHMALLOW AND CREME EGGS - CROSSES - LOLLIPOPS - JELLY BEANS AND MORE EASTER TREAT Bring this ad for a free bag of jelly beans ( 8 oz. with purchase ) Choose from the best of HOMEMADE Dark Chocolate- Milk Chocolate and White Chocolate Don’t forget OUR FAMOUS Butter Crunch - Cherries and Non Parallels (milk or dark) 718-846-9326 94-15 Jamaica Avenue, Woodhaven schmidtschocolates.com 30-YEAR FIXED RATE MORTGAGE1 3.750% 3.816% Are You a First Time Homebuyer? Call Amy DeLeon at (516) 500-6641 and ask about other loan options that require little or no personal funds for a down payment, or to apply. Amy DeLeon, Mortgage Loan Consultant (NMLS #7982), nycbmortgagedirect.com 1 Rate information as of 03/07/16. The payment on a $200,000 30-year Conforming Fixed Rate Loan at 3.750% and 80% loan-to-value (LTV) is $926.23 with zero points due at closing. The estimated Annual Percentage Rate (APR) is 3.816%. Payment does not include private mortgage insurance, taxes, insurance premiums or additional loanspecific finance charges you may be required to pay. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Actual payments will vary based on your individual circumstances and current rates. Based on the purchase/refinance of a primary residence with no cash out at closing. Assumes closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score of 700 or greater, and an escrow account is used for the payment of taxes and insurance. The lock period for your rate is 60 days. All loans are subject to credit approval. Product availability and offers are subject to change. Not all products are available in all states. Mortgages are originated through New York Community Bank (NMLS #249276, MD #21548), an affiliate of New York Commercial Bank. The bank is not responsible for typographical errors. Offer may be withdrawn at the discretion of the bank at any time. JORDAN M. ENDLER, ESQ. Klemanowicz, Holmquist & Vande Stouwe, LLP Elder Law Attorney Call for a free 20 minute consultation on MEDICAID APPLICATIONS for AT-HOME CARE, ASSISTED LIVING & NURSING HOMES and PROTECTING YOUR HOME & SAVINGS FROM MEDICAID LIENS • MEDICAID APPLICATIONS • WILLS • LIVING WILLS • POWERS OF ATTORNEY • ELDER LAW • ESTATE PLANNING • TRUSTS • HEALTH CARE PROXIES • PROBATE 1-844-ELDER-NY APR
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