HOME BUYING GUIDE R O C H E S T E R
N E W
Y O R K
Agent Name Janet Curtis
Licensed Real Estate Broker LicensedAssociate Real Estate Salesperson Cell: Cell:585.000.0000 585.729.2690
Office: Office:585.000.0000 585.368.7181
Fax: Fax:585.000.0000 585.225.9368
Email: Email:agent@Nothnagle.com jcurtis@nothnagle.com
www.nothnagle.com www.nothnagle.com
Janet Curtis
Licensed Real Estate Salesperson
O: 585.368.7181 | C: 585.729.2690 jcurtis@nothnagle.com www.nothnagle.com Greece Office
1081 LONG POND ROAD, SUITE 100 ROCHESTER, NY 14626
Why Choose Janet… Real Estate has always been my passion. Whether you are buying your first home or selling your last, my passion is to help with every aspect. I’m proud of keeping my clients well informed every step of the way to ensure they have a pleasant experience. Your needs as my client always come first. I am proud to be with the Nothnagle Team because we demonstrate the highest standard of ethics, integrity and value in every action we take and everything we do.
With me you will receive:
• A stress free and highly profitable sales experience • Professional and Personalized Involvement • Open and Honest Communication • Comprehensive Knowledge of the local market • First Class marketing expertise and exposure for your property • Internet advertising on major real estate websites • Outstanding results • A friend for life!! I have lived in the Rochester area my entire life. My husband, 3 adult children and 3 dogs keep my life enriched. Who’s better to sell your house than someone who knows the area. Let’s work as a team today to buy or sell your home. Call or email me directly, I am looking forward to working with you.
Communities Served:
Proudly Serving the Greater Rochester Area
Affiliations:
• Member, Greater Rochester Association of REALTORS® • Member, New York State Association of REALTORS® • National Association of REALTORS® • REALTOR®
Specialties:
Buyer Agent, City Living, Condo/Townhouse, First-time Homebuyers, Investment, Lots/Land, Multi-Family, Residential, Single-Family, Waterfront
NOTHNAGLE REALTORS®
Innovating and growing since 1948. Nothnagle’s founder, John T. Nothnagle, revolutionized the way real estate was done when he started the company in 1948 using photography as the principle medium. His “Gallery of Homes” concept offered consumers convenience and saved them time spent driving around town to visit multiple homes. Instead they could come to one location and view images of all of the homes for sale, helping them narrow down their search and making showings more productive. Nothnagle REALTORS® continues to operate on the basic principle of using innovative technologies coupled with highly trained professionals to deliver top-notch service to our clients. Images of homes are still an important component to what we do; now we deliver the experience through the region’s top real estate website, Nothnagle.com. Under the leadership of our President, Armand D’Alfonso, Nothnagle continues to be an innovator in the industry not because we are focusing on what works today, but because we’re constantly anticipating “what will be” tomorrow. Let us show you how our 68-year history of innovation and success can work for you, providing you with the results you need to get your home sold faster, for more money and with less hassle!
Buy with Confidence.
If you don’t like it, we’ll buy it back!*
Guaranteed.
Nothnagle REALTORS® stands behind the value of the homes we sell. So you can act with confidence, knowing that if you’re not satisfied, Nothnagle REALTORS® will buy it back for 100% of the home’s purchase price.* Ask your Nothnagle agent for details on our exclusive 100% Money Back Guarantee program. Experience the 100% difference we can make for you!
That’s confidence. www.nothnagle.com
A Howard Hanna exclusive program.
*Certain restrictions apply. Prior sales excluded.
Getting Started. By selecting a
Nothnagle agent,
you’re already off to a good start!
1. CREATE A BUDGET.
How much can you afford? Take into account all types of expenses. If you’re not sure exactly how much you spend, keep a journal record and write down everything you spent for at least one month. a. Fixed expenses include student loans, car payments, insurance costs, phone, Internet. b. Variable expenses, such as groceries, entertainment. c. Periodic expenses, such as gifts, charitable donations.
2. DETERMINE WHAT MONTHLY PAYMENT YOU ARE COMFORTABLE WITH.
Remember to take into account not just your mortgage payment, but also costs of insurance and property taxes. This is when it is important to know what you are spending on ancillary items and to determine what activities you want to continue to have money for.
3. USE CREDIT WISELY.
A lender will pull your credit, or your FICO score, to ensure that you have a history of paying your bills on time and to measure your debt load. Even after you apply for your mortgage and the initial credit check has been done, it is not wise to go out and make any large purchases on credit prior to closing.
4. GET YOUR PAPERWORK IN ORDER.
The lender will want to see pay stubs, original bank statements, tax returns and employment verification. Military members will be asked to bring their certificate of eligibility (COE).
5. GET PRE-APPROVED.
Your Nothnagle agent can assist you in finding a lender. A pre-approval is more extensive than a pre-qualification; it indicates that the lender has made a commitment to lend you money to purchase a home after evaluating your credit worthiness. See the Glossary for a full explanation.
6. CHOOSE A DESIRED LOCATION.
Location is critical. Ask yourself: What is my desired commute time? What are the quality of the schools, proximity to shopping centers? Are senior services and/or public transportation available? You can find your dream home, but if it’s in an undesirable location it can be a particularly poor choice if you anticipate reselling your home within a few years.
7. MAKE A WISH LIST.
Make a list, and focus on what features of a home you must have, would like to have, and those you don’t really want. This will streamline the process allowing you to find the right home that suits your needs.
8. BE ORGANIZED.
Touring multiple homes can be confusing. Do not rely on your memory; take notes about the homes you visit. Take pictures of the outside of the homes, ask your agent for a description of each property and make notes on each sheet. Use your notes to help you narrow down your house hunting search by selecting the homes that match your wish list criteria.
CLOSE TO:
FINANCING
SCHOOLS
UTILITY COSTS
PLACE OF WORSHIP
FLOOR PLAN
SHOPPING
GARAGE SPACE
BUS LINE
YARD SPACE
HOSPITAL
DEED RESTRICTIONS
PARKS
POOL
DAY CARE CENTERS
CLOSING TIME
SPORTS CENTERS
INSPECTION
CLOSE TO FIRST RESPONDERS
COMMUTE TIME BEDROOMS (Quantity)
SETTING: URBAN
SUBURBAN
RURAL
BATHROOMS (Quantity) UPDATES PRIVACY AGE OF HOME FENCING
NE ED W AN T NO TI M PO RT AN T
NE ED W AN T NO TI M PO RT AN T
When looking for a new home, what’s important to you?
o e d i V o T t x Te You can now instantly tour homes right from your smartphone!
NOTHNAGLE Text-To-Video PROCESS STEP 1
STEP 2
STEP 3
STEP 4
AGENT NAME 585-000-0000
292-8500 PC#
PC12341 to: VIDEOS
TOUR THIS HOME FROM YOUR PHONE!
Text:
123 Main Street, Rochester, NY 14614
Agent Name
Main Office Office: (585) 000-0000
PC12341 to:VIDEOS
TOUR THIS HOME FROM YOUR PHONE!
Text:
SEE A HOME YOU’RE INTERESTING IN?
TEXT THE FEATURED CODE ON THE SIGN TO “VIDEOS” (843-367)
123 Main Street Rochester, NY 14614
YOU WILL RECEIVE A VIDEO LINK INSTANTLY TO YOUR CELL PHONE.
CLICK THE LINK TO VIEW THE VIDEO OF THE HOME.
123 Main Street, Rochester, NY 14614
Agent Name
Main Office Office: (585) 000-0000
123 Main Street Rochester, NY 14614
SCROLL DOWN TO SCHEDULE A SHOWING OF THE HOME, CLICK TO CONTINUE TO THE LISTING ON NOTHNAGLE.COM, OR CONTACT THE AGENT DIRECTLY.
BUYER’S FLOW CHART START SEARCH FOR DREAM HOME Meet with agent Evaluate needs Set up appointment with mortgage company for pre-qualification
Credit report
Obtain a pre-approval letter Search for my dream home
Estimated Closing
Meet with Agent
Submit offer on new home
Negotiation
Meet with Agent
Negotiate Offer / Accept
Agent Reports back to Me
Obtain Attorney approvals Process Offer
Coordinate with Seller
Schedule Inspections (Negotiated and approved)
Counter offer
Apply for a Mortgage Process Loan Through Underwriting Agent Reports back to Me
Credit Report Appraisal
Obtain Loan Approval Obtain “Clear to Close� Obtain homeowners insurance
Agent Reports back to Me
Assemble paperwork and make sure all conditions are satisfied
Coordinate with seller, buyer & attorney
Schedule closing date with all parties
Agent Reports back to Me
Attend closing, sign all paperwork, Attorney will transfer deed and record.
MOVE INTO MY NEW HOME!
Title Search
Verifications
CONTRACT TO CLOSING: ATTORNEY APPROVAL PERIOD: The signed contract is submitted to attorneys for both Buyer and Seller for their review. Approval or disapproval must be in writing by the agreed date.
CLOSING DATE: The closing date specified in the contract is not always definite, due to scheduling with banks/attorneys/delays. This target date is an “on or about” date. In New York, attorneys set the closing date.
RIGHT TO INSPECTIONS: Inspections are at the expense of the Buyer and performed within the time frame stated in the contract unless otherwise agreed upon. You and/or a representative may be present at these inspections.
CLOSING STATEMENTS: The attorneys will notify their respective clients of the monies needed (if necessary) for the closing and possibly a breakdown of distribution of funds. This breakdown comes from the attorneys.
MORTGAGE APPLICATION AND COMMITMENT: Upon contract acceptance you must immediately begin the mortgage process. You have until a specific date to receive written mortgage commitment. FINAL WALK THROUGH: You are entitled to a final inspection of the property, within 24-48 hours of closing, arranged with the Seller’s permission. This is an opportunity for you to be assured that the property is in the same condition it was in at the time of the purchase contract, and that any required repairs have been completed.
HOMEOWNERS INSURANCE: You should notify your insurance agent/company after mortgage commitment and prior to closing. It is customary that most lenders require proof of a one year paid policy binder. Please refer to your mortgage commitment letter for details. UTILITY ACTIVATION/TERMINATION: Once the closing date has been CONFIRMED, you must make arrangements for the utilities to be transferred into your name, effective on the closing date. POSSESSION: You, the purchaser, shall receive house keys upon closing, unless other arrangements have been made.
WHAT NOT TO DO NOW THAT YOU’VE APPLIED FOR A MORTGAGE One of the things that might happen between now and the closing of your loan is that the bank will ask us to re-verify your credit report, get more recent bank statements and/or (but certainly not limited to) get more recent paystubs to make sure you’re still able to meet their financial guidelines. Don’t apply for a new credit card or line of credit. This includes going to a furniture store and buying furniture for your new home and using the “2 Years Same As Cash” option. If you do, your credit score could change and your mortgage rate could increase. Don’t make any large purchases. Like a car. Don’t run up the credit you already have.
Don’t change jobs or quit your job without discussing it with your loan officer. Don’t make any large deposits or withdrawals to or from your: Checking account(s) Savings account(s) Retirement account(s) If you do, we will have to document where the money came from/went to.
What are seller's concessions?
When you purchase a home, make sure to talk to your mortgage industry professional about the possibility of seller's concessions. Simply put, these concessions are a set dollar amount or percentage of the purchase price that a seller agrees to contribute to you, the buyer, towards your closing costs. This can help to either lower the amount of money you are required to bring to the closing table, or help you bring none at all. These contributions are financed over the life of the loan with the purchase price, so make sure to ask your loan officer if concessions would be a good decision for your situation and if they are allowed with the loan program you are using.
EXAMPLE: Without Concessions
With Concessions
$100,000
$106,000
APR:
5.901%
5.891%
CASH TO CLOSE:
$12,098
$6,389
MONTHLY PAYMENT:
$961
$997
PROGRAM NAME: FHA PURCHASE PRICE: TAXES: $4,000 TERM: 30 YEARS DOWN PAYMENT %: 3.50% RATE: 4.25%
MAXIMUM SELLER CONCESSION:
$6,000
be
glo
he
ss t
any
wh e
re ,
re he yw an .
Across town or acro
elp move you from
to
,N
h ot
gle na
h can
Local Expertise. Global Connections. OVER 500 FIRMS • 3,500 OFFICES •120,000 ASSOCIATES • OVER 50 COUNTRIES OVER ONE MILLION TRANSACTIONS VALUED AT $321 BILLION IN ANNUAL HOME SALES
1-800-295-RELO | WWW.NOTHNAGLE.COM/RELOCATION
Put an experienced buyer representative to work for you! Getting a sales contract is only 25% of what we do. Getting to “SOLD” is more than half the battle. PROPERTY SEARCH Your buyer representative will appraise your criteria for a house and neighborhood then search for properties that fit those specifications. Your buyer representative will set appointments for showings and monitor the market as new listings become available. MARKET DATA Market value is determined by many factors, including the availability of similar properties at competitive prices, locations, condition, and most of all, the price that a knowledgeable buyer is willing to pay. Your buyer representative will provide market data to help you establish an offering price. Consider future resale value, ease of resale and length of time you plan to own the house when evaluating a property. PURCHASE OFFER There may be other considerations besides price that are equally important in structuring a purchase offer. The terms and conditions of the offer, amount of deposit and possession date are likely to be factors when an offer is made. Your buyer representative will help in your preparation of a purchase offer. NEGOTIATING When a purchase offer is made, the sellers may be concerned with certain aspects, including the ability of the purchasers to fulfill their agreement, the terms and conditions of the offer, the breakdown of closing costs between buyer and seller and even the motivations and lifestyles of the prospective new owners! Your buyer representative will help structure a negotiating strategy that will create the desired result, a new home. Their work does not end at the purchase offer. HANDLING DETAILS A lot has to happen between signing the purchase offer and moving into a new house. Your buyer representative will attend to the details and keep you in touch with the transaction each step of the way. Sellers list their homes with real estate agents to ensure professional representation throughout the home selling process. As a buyer, you deserve the same kind of service!
Why use a Buyer’s Agent? Your buyer’s agent will represent your interests and will guide you through the entire process, from locating properties to negotiating the best price for you, through closing. These days many home buyers prefer to hire a buyer’s agent, one who owes the full range of duties, including confidentiality and obedience, to the buyer. A buyer’s agent is often paid by the seller, regardless of the agency relationship. In the maze of forms, pricing, negotiation, financing, inspections, it makes sense to work with someone who knows the community and much more.
Why use a Nothnagle professional buyer’s agent? Nothnagle agents receive extensive training and have access to a wealth of resources to effectively serve as your negotiations expert, pricing specialist and overall advisor throughout the transaction and your home search. A Nothnagle agent can offer you exclusive services only available to our clients. We have the tools and resources you’ll need to achieve all of your goals. Nothnagle agents can show you any property listed, even by another company. A buyer’s agent is usually paid by the seller, regardless of the agency relationship. So using a buyer’s agent is usually free to the buyer.
All the listings, all the time. For all the local listings you can’t find on National Real Estate sites, visit Rochester’s #1 Real Estate Website.
Nothnagle.com
THE GALLERY OF HOMES. PUBLISHES EVERY SATURDAY.
Sundays at 11:00AM on 13WHAM-TV Saturdays & Sundays at 11:00am on WBGT Channel 18 NOTHNAGLE.TV A full blown, interactive TV channel delivered free of charge over the web. Create your own show then sit back and watch it in high definition. YOUTUBE™ VIDEOS Almost all of our listings can be found on YouTube™. Our page allows you to search by location and a home’s desired features.
Guided Tour
GUIDED TOURS Audio descriptions of photos of a home presented in an online format. MYNOTHNAGLE Sign up to receive an automatic notification of new listings that meet your search criteria. 4 SALE LINE® A 24-hour interactive property listing and lead generation system. Look for the 4-SALE LINE code on Nothnagle signs and ads.
GLOSSARY Abstract of Title – A summary of the public records relating to the ownership of a particular piece of land. It represents a brief legal history of an individual piece of property, and traces the ownership of that property from the time of the first recorded transfer to present. Adjustable-Rate Mortgage – A mortgage that allows the interest rate to be changed periodically. Agency – A legal relationship in which an owner-principal engages a broker-agent in the sale of property or buyerprincipal engages a broker-agent in the purchase of the property. Appraisal – The appraisal serves various purposes in a transaction for several people. It acts as a financial compass for everyone that has a monetary stake in the property value -- the seller, the buyer, the lender, and the insurance company. Asbestos – A mineral fiber used in some building materials such as flooring, siding, insulation and roofing. It is presently banned for most uses in property. Assessed Value – The valuation placed on property by a public tax assessor as the basis of property taxes. Back-end Ratio (or debt-to-income ratio) – The payment plus the recurring monthly debt divided by gross monthly income, which gives a percentage of how much gross income is going to the debt. Bridge Loan – A short-term mortgage made until a long-term loan can be made. It is sometimes used when a person needs money to build or purchase a home before the present one has been sold. Broker – A person licensed by their state to act independently in conjunction with a real estate brokerage business. Although requirements vary from state to state, an individual must usually have advanced training, at least one year of experience in the industry, have successfully closed a certain number of transactions and pass an examination to earn a broker’s license. Building codes – State and local laws that regulate the construction of new property and the rehabilitation of existing property. Closing – The final step in the sale and transfer of a property. The title is transferred from the seller to the buyer; the buyer signs the mortgage and pays costs of settlement; any money due to the seller and buyer are paid.
Closing Costs – The miscellaneous expenses to be paid by the buyer and the seller when the property closes. These expenses include the brokerage commission, mortgage-related fees, escrow and attorneys’ fees, transfer taxes, recording fees, title insurance, and so on. Closing costs are generally paid through escrow. CMA (Comparative Market Analysis) – A CMA is a report that takes the subject home information and shows prices of homes that are comparable and that were recently sold, currently on the market or were on the market, but not sold within the listing period. Comparables – Properties similar in size and character to the one being bought or sold. Condominium – Ownership of a unit only, rather than the entire building with the land. Contingencies – A provision of an agreement that keeps the agreement from being fully legally binding until a certain condition(s) is met. An example is a buyer’s contractual right to obtain a home inspection before purchasing a property. Conventional Mortgage – The most common type of mortgage from a traditional lender, usually requiring a minimum of 5% down payment. Can be a fixed rate, fixed term, adjustable or balloon. Your agent will explain. Disclosure Laws – State and federal regulations which require sellers to disclose such conditions as whether a house is located in a flood plain or whether there are known defects in or affecting the property. Earnest Money – A deposit made by the buyer under the terms of the contract, to be applied to the purchase price if the sale is closed. Engineer Inspection – A physical inspection of the major systems of a house by a licensed professional as a contingency of the sale. Fee is paid by buyer and typically ranges from $250 to $400. Recommended but not required. Not to be confused with “appraisal” or “assessment.” Escrow – An account that ensures the taxes and insurance will be paid, and on time. This protects the lender from tax liens and uninsured losses that the borrower can’t repay. FHA (Federal Housing Administration) – An agency within the Department of Housing and Urban Development (HUD) that administers loan guarantee programs and loan insurance programs to make more housing available.
FICO Score – A number generated by Fair Isaac Co. when they analyze your credit reports to determine your credit worthiness. Front-end Ratio – The proposed mortgage payment (principal, interest, taxes and insurance) divided by gross monthly income, which gives a percentage of how much gross income is going to the mortgage payment. Good Faith Estimate – An estimate of settlement costs likely to occur. A lender is required to provide this within three days of loan application. Lien – A legal claim against a property that must be paid when the property is sold. (LTV) Loan-to-Value Ratio – The relationship between the amount of a home mortgage and the total value of the property. Most mortgages are between 80-95% of the value. If your down payment is 10%, your LTV is 90%. Lock-In-Rate A commitment made by lenders on a mortgage loan to “lock-in” a certain rate pending mortgage approval. Lock-in periods vary. Market Value – The highest price a buyer will pay for a property and the lowest price a seller will accept. Mortgage Broker – An individual or company that obtains mortgages for others by finding lending institutions, insurance companies, or private sources to lend the money; may also make collections and handle disbursements. Mortgage Insurance – An insurance policy to protect a lender from loss if the buyer were to default on the loan. It’s typically required by a lender when the borrower borrows more than 80% of the value of a house. Pre-Qualification Letter – A letter from a mortgage company stating they believe you are pre-quallified to obtain a loan, pending further investigation. It is based on financial information you provide to them. Pre-Approval – A pre-approval letter involves verification of the basic financial information. The lender will require documentation to confirm your employment, the source of the down payment and other aspects of your financial circumstances. The pre-approval letter carries more weight. Points – An amount, equal to 1% of the loan, paid to a lender. It may be used to reduce the interest rate.
Principal, Interest, Taxes and Insurance Payment (PITI) – A periodic (typically monthly) payment that includes the principal and interest payment plus a contribution to the escrow account established by the lender to pay insurance premiums and property taxes on the property. Private Mortgage Insurance (PMI) - Insurance issued to a lender by a private company to protect the lender against loss on a defaulted mortgage loan. Its use is usually limited to loans with high loan-to-value ratios. The borrower pays the premiums. Radon – A colorless, odorless gas formed by the breakdown of uranium in subsoils. It can enter a basement through pores or cracks in the foundation. Long term constant exposure is considered to be a health hazard. Devices designated to eliminate this gas cost about $1,200. Savings and Loan Association (S&L) – Depository institution that specializes in originating, servicing and holding mortgage loans, primarily on owner-occupied residential property. Savings Bank – A financial institution organized to hold individual depositors’ funds in interest-bearing accounts and to make long-term investments, such as home mortgage loans. Truth-in-Lending Document – A document that stipulates the terms of your loan, including an estimate of closing costs and the loan’s interest rate. The lender will mail this to you within 3 days of applying for a loan. Title – A document which is evidence of ownership. Title Insurance – An insurance policy that protects a lender’s or owner’s interest in real property from assorted types of unexpected or fraudulent claims of ownership. It is customary for the buyer to pay for the lender’s title insurance policy. Title Search – A legal description and a documented history recorded under a parcel or plot number. Zoning Restrictions – Local municipal ordinances that classify property according to specific uses such as single family residential, commercial, industrial, multi-family, etc.
Protect yourself from the unexpected with a home warranty. • Fewer headaches • Affordable rate • Protects you from unforeseen repairs
TOTAL CLAIMS PAID OUT IN 2014: 405 $99,056
At Nothnagle, your agent is backed by over 100 assistants working behind the scenes for you, before, during and after the sale. MARKETING DEPARTMENT | ADVERTISING DEPARTMENT TECHNOLOGY DEPARTMENT | CORPORATE ADMIN GROUP CONSUMER CALL CENTER AND CHAT RELOCATION DEPARTMENT | HOME SERVICES
OUR SERVICES
When you’ve found your perfect home, call us! Our Home Services program offers Nothnagle clients lifetime access to savings on premium products and services before, during and after your move. When you buy your home through Nothnagle, you get the convenience of one-stop shopping and the peace of mind from knowing that all of our providers are pre-screened, insured and reliable.
1.866.295.MOVE
www.Nothnagle.com/homeservices
• • • • • • • • • • • • • • • • • • • • • • • • • • • • • •
Appliances • Automotive Basement Remodeling Bathroom Remodeling Cable/Internet/Telephone Chimney & Fireplace Cleaning • Concrete & Masonry Decks • Decorating Design & Construction Driveways Electrical Service and Repair Environmental Exterior Home Improvements Fencing • Flooring • Handyman Health & Fitness Home Organization Home Security • Home Staging Home Theater Household/Estate Sales HVAC • Insulation Insurance & Home Warranties Kitchen Remodeling Lawn & Landscaping Mortgage Services Moving & Storage • Painting Pest Elimination Pet Services • Plumbing Property Management • Retail Roofing • Senior Solutions Septic Services • Snow Plowing Trash • Windows & Doors
NEED TO TRANSFER UTILITIES? MONROE COUNTY
CITY OF ROCHESTER
LIVINGSTON & ONTARIO COUNTY
OTHER HELPFUL NUMBERS
Water Authority 585.442.7200
Frontier Telephone 585.777.1200
RG&E 800.743.2110
East Rochester Water 585.381.5560
Churchville Electric & Water Fairport Electric 585.293.3366 585.223.0440
Spencerport Electric 585.352.4771
Henrietta Water 585.359.7029
Refuse Collection 585.428.5990
City of Rochester cityofrochester.gov
Frontier Telephone 585.777.1200
RG&E 800.743.2110
National Grid 800.932.0301
NYSEG 800.572.1111
Frontier Telephone 585.777.1200
Canandaigua Water 585.394.1120
Waste Management 585.254.3500
Time Warner Cable 585.756.5000
Youngblood Disposal Dish Network 585.254.7081 585.271.1990
Lilac Disposal 585.872.6500
Direct TV 855.246.8956
Suburban Disposal 585.352.3900
NYS DMV 800.255.5368
MOVING NOTIFICATION CHECKLIST 端
Who to notify when moving. GOVERNMENT AND PUBLIC OFFICES
PUBLICATIONS
Federal Post Office Internal Revenue Service Veterans Affairs
PROFESSIONAL SERVICES
State Health and Hospital Insurance Motor Vehicle Bureau Unemployment Insurance Local Schools Library
BUSINESS ACCOUNTS
Banks Finance companies Credit Cards Charge Accounts Department Stores Service Stations Dry Cleaner Drug Store House Cleaning Service
Newspapers Magazines
Doctor Dentist Lawyer Broker Insurance Agencies Real Estate Agency Locksmith
UTILITIES AND SERVICES
Electric Gas Water Garbage (Special Pick-up) Telephone Cell Phone Appliance Service Cable TV/Internet Water Treatment Fuel