FOR BREAKING NEWS VISIT www.qns.com MAY 5, 2016 • TIMES 5 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 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. 73-06 Metropolitan Avenue (2nd Floor)Middle Village, NY (Near 73rd Place) Phone 718-326-1982 • Fax 718-326-2662 • www.gracemoseragency.com Mark V. Burke, MD, FAAFP 87-47 Myrtle Avenue, Glendale 718-849-8609 Primary Care and Chronic Disease Management *Only $100 for Employment/CDLPhysicals (testing@ add’l cost) No Fault Accepted Drug Testing/Addiction Treatment offered (Counselor Available) Prompt Appointments Available Open until 10pm Thursdays 30-YEAR FIXED RATE MORTGAGE1 3.750% 3.816% Are You a First Time Homebuyer? 1 Rate information as of 04/25/16. 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 Offer may be withdrawn at the discretion of the bank at any time.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 initial consultation on: MEDICAID APPLICATIONS for AT-HOME CARE, ASSISTED LIVING & NURSING HOMES and PROTECTING YOUR HOME & SAVINGS FROM MEDICAID LIENS • ELDER LAW • ESTATE PLANNING • TRUSTS • HEALTH CARE PROXIES • PROBATE • MEDICAID APPLICATIONS • WILLS • LIVING WILLS • POWERS OF ATTORNEY 1-844-ELDER-NY APR 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
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