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Regency at Fishkill Holds Open House
Toll Brothers held grand opening of the professionally-decorated Catskill model home at Regency at Fishkill in Fishkill, New York on November 16th. This 55+ gated community provides luxury, low-maintenance living offering a convenient location walking distance from stores, dining, entertainment, and medical care buildings. Interstate 84 and Route 9 are easily accessible. Regency at Fishkill, which is being developed by the builder's Toll Brothers Active Living brand, has move-in ready homes with gorgeous mountain views.
The Catskill, opens to a dramatic foyer with tray ceiling that continues into the expansive dining room and adjacent kitchen and living room. Ideal for entertaining, this open, airy design features a warm, bright living room with large windows and entertainment niche. The kitchen and breakfast area offers abundant counter space and is open to both the dining room and living room. The inviting master bedroom suite is enhanced by an elegant sitting area with decorative columns, two spacious closets, and a luxurious master bath with double vanity, Roman soaking tub, and separate shower.
"We just love living here; we have already found new best friends, delightful couples who share our interests. Toll Brothers made the purchasing process clear and reassuring, making it a positive experience. During the development process we were well informed on our home's progress, the staff gave us expert advice when picking our selections at the Design Studio, and everyone continued to be accessible and receptive to various details once we moved in. Overall, we are thrilled to have found Regency at Fishkill, its pricing, convenient location, and responsive staff is unsurpassed. Check out the floorplans and model homes and join our party," invites Dr. Andy and Vivian Rose, residents of Regency at Fishkill.
Regency at Fishkill offers spacious 1- and 2-bedroom condominiums, ranging from 1,400 to 1,800 square feet. With five different floorplans, priced from mid-$300,000s, there are plenty of choices to suit everyone's taste.
Residents don't worry about outside maintenance, since it's all included. Instead, they can better spend their time enjoying the amenities Regency at Fishkill has to offer. The clubhouse, located at the heart of the community, is the perfect place for friends and groups to gather. It features an exercise room, a great room with a fireplace, a computer area, a fully-equipped kitchen, and changing rooms. The homeowners enjoy weekly card games, bingo, Zumba, pot luck lunches, wine and cheese parties, and other activities. Outdoor amenities include a patio with a heated pool. In addition to these fabulous amenities, there are walking trails throughout the well lit community that lead to a gazebo and picnic area within a park like setting.
Each residence includes a one-car garage that has an interior entrance into the building and mail boxes are inside each of the elevator-serviced buildings, so there is no need to go back outside once you're home for the evening. All designs include hardwood flooring in the entryway, powder room, and kitchen; KohlerÃ�Â® plumbing fixtures; private master retreats with lavish master baths that include a stand up shower with seat and extra linen closet with ceramic tile floors; dramatic soaring ceilings; well-appointed kitchens with granite countertops and WhirlpoolÃ�Â® appliance packages; and much more. With hundreds of pre-priced customizable options available, homeowners can select features perfectly suited to their lifestyle.
Women's Council of REALTORS, Hudson Gateway Association of Realtors Raise More Than $22,000 for Westchester Homeless Group
The Women's Council of REALTORS, Empire Westchester Chapter (WCR) and the Hudson Gateway Association of REALTORS (HGAR) raised $22,522 for the Westchester Coalition for the Hungry and Homeless at its "Brown Bag for Hunger" Spring Fashion Show at the May 6 Glen Island Harbour Club in New Rochelle.
This represents a $4,200 increase over last year's donation. The population of people in need of help in Westchester County has risen more than 24% in the past year.
Bloomingdale's once again provided the fashions for the event and HGAR Realtors and Affiliate Members served as models.
The Hudson Gateway Association of REALTORS(HGAR) is a not-for-profit trade association covering over 9,000 real estate professionals doing business in Westchester, Putnam, Rockland, and Orange counties. HGAR is comprised of the former Westchester Putnam Association of REALTORS (WPAR), Rockland County Board of REALTORS(RCBR) and Orange County Association of REALTORS (OCAR).
The Westchester Coalition for the Hungry and Homeless, Inc. is a not for profit composed of autonomous food pantries, soup kitchens, shelters, service organizations and individuals interested in alleviating hunger and homelessness in our region.
Lender Processing Services Integrates Loan Quality Gateway with eTrac Platform
Lender Processing Services, Inc, a provider of innovative technology, services, data and analytics to the mortgage and real estate industries, has integrated its Loan Quality Gateway, Powered by RealEC with the Global DMS eTrac Enterprise platform. LPS and Global DMS clients that utilize the Loan Quality Gateway's Exchange network are now able to seamlessly access the eTrac Enterprise platform for efficient, compliant appraisal transaction processing.
RealEC Technologies is the leading provider of collaborative network solutions for the mortgage industry and is a wholly owned subsidiary of LPS. Global DMS is a leading provider of Web-based, compliant valuation management software.
A part of LPS' comprehensive origination technology offering, Loan Quality Gateway's Exchange is an electronic partner network that enables thousands of service providers to connect securely and electronically to their lending clients through a standards-based data exchange. eTrac Enterprise is Global DMS' Web-based, all-in-one collateral process management solution that streamlines workflows, eliminates errors and speeds up the valuation process.
Global DMS' valuation management solution allows lenders to effortlessly manage the entire appraisal management process from vendor management to appraisal ordering, assignment, tracking, appraisal reviews, delivery and reporting. The eTrac Enterprise system also has options designed to handle all aspects of managing appraisal management companies (AMCs) and independent real estate appraisers.
"This integration offers lenders another efficient solution to managing the appraisal process," said Dan Sogorka, president, RealEC Technologies. "Expanding the Exchange's provider network is one more way we can help lenders and service providers work together toward a more transparent, data-centric loan origination process."
"The extensive network of partners that RealEC has connected to the Exchange has attracted some of the largest lenders in the country that want to complete various settlement services transactions from a centralized location, which the Exchange has proven to efficiently handle," said Vladimir Bien-Aime, president and CEO of Global DMS. "Now any mutual customer that utilizes the Exchange can easily access our services to complete fully compliant appraisals in the same way they could directly using our platform. It's simply another effective option to utilize our valuation management solution."
integration with Global DMS expands the LPS Loan Quality Gateway provider
network and product offerings, which include appraisals; automated valuation
models (AVMs); title insurance; closing services; flood insurance; fee
services; verifications of income, employment and identity; fraud prevention
tools; loan quality analytics; and Valuation Insight, an appraisal evaluation
tool that quickly identifies the overall quality of an appraisal.
Should I Use All My Savings Account Money to Buy a House?
In an ongoing personal finance Q&A series on GoBankingRates.com, managing editor and resident expert Casey Bond reviews and answers questions sent in by readers. In the most recent Q&A, Ms. Bond advises a reader considering a home purchase by answering her question: "Should I use all my savings account money to buy a house?"
In a new GoBankingRates Q&A series, readers ask the site's managing editor their most pressing personal finance questions. Casey Bond shares her expertise on a number of pertinent topics, such as saving money, credit, debt, mortgages, and more.
The most recent question comes from Clare H. from Wisconsin, who is considering buying a home. She asks, "I'm feeling antsy about buying a house since mortgage rates and home prices are beginning to go up again. I have just barely enough for a down payment, but I'd use up all of my emergency savings if I were to go ahead and buy. Should I do it?"
Ms. Bond explains that while the urge to hurry and buy before costs increase is valid, sacrificing emergency savings is not worth it.
She explains, "If all your money is tied up in a house, you certainly can't use it for a financial emergency, The very house you used your savings to buy could be in jeopardy if you suddenly can't afford the mortgage payments."
Ms. Bond goes on to advise how a home purchase should be prioritized along with savings goals, recommending homebuyers resist the urge to commit to a mortgage until more important items like an emergency fund have been addressed.
"You will thank yourself someday when the inevitable happens -- a financial emergency -- and you're well prepared to cover it."
Read the full answer here: http://www.gobankingrates.com/mortgage-rates/should-use-all-savings-buy-house/
For questions about this Q&A or to schedule an interview with Casey Bond, please use the contact information below.
About Casey Bond
Casey Bond has been a professional within the finance industry for close to a decade. Today, Ms. Bond regularly appears on a number of major national publications in addition to GoBankingRates, including Business Insider, US News & World Report, and The Huffington Post. She can also be found on Yahoo Finance!, Fox Business, and LearnVest, as well as in Redbook and Style. Her highly-anticipated newsletter "Cents in the City" is set to launch in the second quarter of 2013.
www.GoBankingRates.com is a national website dedicated to connecting readers with the best interest rates on financial services nationwide, as well as informative personal finance content, news and tools. GoBankingRates collects interest rate information from more than 4,000 U.S. banks and credit unions, making it the only online rates aggregator with the ability to provide the most comprehensive and authentic local interest rate information.
ICBA Supports Concessions in Mortgage Loan Originator Rule
New Rule Allows Community Banks to Retain Qualified Personnel, Safeguard Customers
The Independent Community Bankers of America (ICBA) is supporting provisions of a new Consumer Financial Protection Bureau rule that will allow community banks to hire and retain qualified mortgage loan originators while providing consumer safeguards against steering and other inappropriate behaviors. The CFPB rule, which bans certain incentives that some loan originators had used to sell unsafe mortgage loans, clarifies that acceptable mortgage loan originator compensation structures include qualified and non-qualified bonus and profit-sharing plans.
"ICBA has worked closely with the CFPB on this rulemaking to ensure that new regulations do not paint common-sense community bank mortgage loan originators with the same brush as the less-responsible lenders that contributed to the housing crisis," ICBA President and CEO Camden R. Fine said. "The clarifications included in the rule will help ensure that community banks can continue hiring and retaining qualified mortgage loan originators, which will help their customers and communities continue to access credit and recover from the economic downturn."
The CFPB rule includes participation in both qualified and non-qualified bonus and profit-sharing plans in acceptable mortgage loan originator compensation structures. As a result, mortgage loan originators will be able to participate in both kinds of plans, subject to certain restrictions. The final rule also waived a provision of section 1403 of the Dodd-Frank Act, which would have prohibited consumers from paying upfront discount points and fees to lower their interest rate. The bureau said it was concerned that implementing this section would have caused "consumer confusion and other negative outcomes" and instead issued an exemption to the prohibition on the payment of upfront points and fees while it studies the matter further.
Additionally, all mortgage loan originators will have to meet certain character and fitness requirements, pass criminal background checks and receive training that is appropriate with their origination activities. Community bank mortgage loan originators must be registered with the Nationwide Mortgage Licensing System and Registry and have an NMLS number, though they do not have to be licensed. Community banks already performed background checks on mortgage loan originators, who receive training that was in many ways superior to what is provided through the NMLS.
The Independent Community Bankers of America, the nation's voice for nearly 7,000 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit www.icba.org.
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