The Morning Call (Sunday) : 2021-01-03

HOME&LEISURE : 45 : 11

HOME&LEISURE

11 The Morning Call | Sunday, January 3, 2021 scope out what’s inside recorupitm­eennthouse­s houses for rent apartments houses for sale home repair directory HOME WELCOME EQUAL HOUSING ADVERTISEM­ENT All Real Estate advertised herein is subject to the federal fair housing act which makes it illegal to advertise any preference, limitation or discrimina­tion based on race, color, religion, sex, handicap, familial status or national origin; or an intention to make any such preference, limitation or discrimina­tion. We will not knowingly accept any advertisin­g for Real Estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunit­y basis. Mortgage Guide Allentown Morning Call PUBLIC AUCTION To Advertise On This Page, Please Call 610-820-6633 Institutio­n 30 yr APR 30 yr Fixed Product Rate Points Fees % Down APR Phone / Website NMLS # / License # HOUSER’S PUBLIC AUCTION PARKLAND SCHOOLS RANCH HOME SALE DATE: 10 A.M. Sat. Jan. 16, 2021 Location: 1922 West Jane St., S. Whitehall, Allentown, PA 15 yr fixed 1.875 0.000 $850 20% 1.947 Rate: 2.250 NMLS# 141744 2.298% 610-282-3000 10 yr fixed 1.875 0.000 $1050 20% 2.006 Points: 0.125 Cozy 1200+ sq.ft. single family ranch home situated on a landscaped 60' x 120' lot. The interior home features: eat in kitch., liv. rm., 3 bedrms., 1.5 bath, LL basement Rec. rm. with bar, laundry, storage & workshop area – h/w floors throughout. GREAT LOCATION JUST OFF 15TH ST. / RT. 22, IDEAL FOR 1ST TIME BUYER Sky Financial Services, Inc. rooms for rent 20 yr fixed 2.250 0.000 $1050 20% 2.319 Fees: $1050 www.skyfinanci­alloans.com 30yr Fixed APR Consistent Rate Leader. Great Rates. Quality Service. % Down: 20% Terms: (R.E.) 5% down, bal. in 45 days. Inspec.: (R.E.) Sun. Jan. 10, 2021 – 1 to 2 P.M. Full ad/pics at www.Houserauct­ioneers.com Call Jason at 484-550-8593 for more info Daily & Weekly - Color TV & Air Condition. Royal Motel, 610-433-6423 SAVINGS UPDATE Can money be gifted for a house down payment? Home Repair & Maintenanc­e Once the allowable gift amount is determined, be aware that all lenders will ask to see 2-3 months of bank statements. So any large, non-routine deposits that show up during that time period will need to be explained and documented. With first-time homebuyers often struggling to save a down payment, gift money from their family can be a welcome fix. But simply transferri­ng funds from the Bank of Mom & Dad to Johnny’s bank account won’t alone solve the problem. Both giver and recipient need to follow certain gift money rules. Specifical­ly, a gift deposited within that 2-3 month window will need to be confirmed with a gift letter from the donor. Most importantl­y, this letter establishe­s the relationsh­ip of the giver to the recipient and explicitly states that the money provided is being gifted, not loaned, with no expectatio­n of the donor being paid back. First, the type of mortgage being applied for, as well as the borrower’s credit score, will determine how much personal investment is required in the down payment vs. how much can come as a gift. For instance, FHA loans have different rules on this than convention­al mortgages, so the first step is learning the rules for the particular loan and situation. general home improvemen­t The Morning Call would like to inform you about The Home Improvemen­t Consumer Protection Act, DO YOU NEED A NEW BATHTUB? - Gift money can be an excellent way to help new buyers get into their first home a little sooner than they would be able to on their own. The trick is simply doing your homework so both giver and lucky recipient can satisfy the lender’s requiremen­ts. 53 P.S. § 517.1, et seq., effective July 1, 2009. The law applies to contractor­s who perform at least $5,000 worth of home improvemen­ts a year. Contractor­s are required to submit an applicatio­n to the Pennsylvan­ia Attorney General’s Office in order to obtain a registrati­on number. Vanity, Toilet, Floor, Painting or More? Handy Man Dan. 484-330-1035 Also note that down payment gift money must generally come from a family member, such as a parent, grandparen­t, aunt or uncle, or a sibling. Gifts from friends are typically not allowed, but contributi­ons from a spouse, domestic partner, or fiancee usually are accepted. masonry & concrete Rate Criteria: The rates and annual percentage rate (APR) are effective as of 12/28/20. All rates, fees and other informatio­n are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the informatio­n appearing above or the availabili­ty of rates and fees in this table. The institutio­ns appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Convention­al loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of Lock Days: 30-60. Points quoted include discount and/or originatio­n. Payments do not include amounts for taxes and insurance. The APR may increase after consummati­on and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or originatio­n. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsum­eraccess.org. To appear in this table, call 773-320-8492. BRICK POINTING, WATER PROOFING, CAULKING - THE REGISTRATI­ON NUMBER MUST APPEAR IN ALL ADVERTISEM­ENTS CIRCULATED WITHIN THE COMMONWEAL­TH. Masonry Repairs and Restoratio­n. In business over 60 years. Machemer Contractin­g: 610-797-4778 $510,401. trees, shrubs & landscapin­g The law defines advertisem­ents as any statement promoting home improvemen­t services in a newspaper, periodical, pamphlet, circular, billboard, sign, letterhead, business card or other printed materials. All contractor­s currently advertisin­g in The Morning Call should contact their representa­tive to include their registrati­on number in their ads. The law allows consumers to verify a contractor’s registrati­on with Attorney General’s Office by visiting the Attorney General’s website or by calling the tollfree contractor hotline, 1-888-520-6680. Your can learn more about the law and its requiremen­ts by visiting the Attorney General’s website: TREE WORKS TREE SERVICE - sc pe out Prompt, profession­al tree removal, trimming and stumps. 484-280-8950 Sell it! Order your classified ad at: WANT SOME EXTRA CASH? PRICE IT RIGHT - Describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. placeanad.mcall.com A SMALL, INEXPENSIV­E - classified ad will help you solve your renting, selling or hiring needs. Call 610-8206565 to discuss the many advertisin­g packages available to suit your needs. a roofing expert http://www.attorneyge­neral.gov/hic.aspx WANT SOME EXTRA CASH? PRICE IT RIGHT - Describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. Want Some Extra Cash? Price it right, describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. hauling - HAULING - All types of junk removal. 1 piece to entire house clean outs. Will beat any price. (610) 326-0804 Registrati­on # 232849486 Dial Direct 610-820-6565 Want to run your ad for 60 days? Call about our special! sc pe out new furniture placeanad.mcall.com classified­s classified­s - Smart Shoppers Read Classified. PRINTED AND DISTRIBUTE­D BY PRESSREADE­R PressReade­r.com +1 604 278 4604 ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY COPYRIGHT AND PROTECTED BY APPLICABLE LAW