FOR BREAKING NEWS VISIT www.qns.com APRIL 7, 2016 • TIMES 11 59-12 Stephen St., Queens, NY 11385 718-366-2500 Wedding Pictures Sweet Sixteen Family Portraits Maternity Portraits First communion Portraits Wedding Videographer 6-Passport Photos for $12.00 Contact: 718-366-2500 Email: cabastudio@hotmail.com Specializing In Apartment Buildings and Structures in Ridgewood and surrounding areas. WE HAVE MANY COMPANIES & PROGRAMS. LET US QUOTE YOUR AUTO/LIFE/HOME. DON’T DELAY- CALL TODAY AND SAVE! Se Habla Español • SERVING OUR COMMUNITY SINCE 1949 MOSER GROUP INC. 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 THE ART OF ELDER LAW APR For more than 30 years the elder law firm of Ronald Fatoullah & Associates has been providing New Yorkers with legal solutions that protect, relieve and endure for generations. Our dedicated attorneys are skilled in the art of giving legal advice and are accomplished in elder law, Medicaid eligibility, estate planning, trusts, estate mediation, wills, asset protection, guardianships, probate and most issues associated with the challenges of aging. Our distinguished reputation is based on a commitment to the highest ethical and professional standards and our core values of honesty, integrity, and excellence. “We won’t settle for anything less”. 1-877- ELDER LAW 1-877-ESTATES Queens • Long Island • Manhattan • Brooklyn ATTORNEY ADVERTISING Own A Building? Check Out Our Rates FREE INSURANCE QUOTES PACKAGE POLICY • FIRE/DWELLING • LIABILITY $1,000,000 • LOSS OF RENTS - ACTUAL LOSS • DEDUCTIBLE $1,000 73-06 Metropolitan Avenue (2nd Floor)Middle Village, NY (Near 73rd Place) Phone 718-326-1982 • Fax 718-326-2662 • www.gracemoseragency.com 1 Rate information as of 03/28/16. 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.
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