V18 issue 17

Assistance options for first time home buyers

The Denninger Report - page 2

A. Christina Breen-Hale, Agent 3093 West Ridge Road, Rochester, NY 14626

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August 20 - September 3, 2014 • Volume 18 Issue 17

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PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

The Denninger Report

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By Gini Denninger Broker/Owner, Goodman Realty

Assistance Options for first time home buyers

We are fortunate in the Upstate NY area in so many ways, one being that there are many assistance options for first time home buyers. In some cases, these options may even be available to former home owners who have not owned a home for several years! It’s important that buyers research these programs before they identify the home they want to buy, since some of the programs have timelines that must be met before the buyer is able to qualify for the monies offered.

If buying in the city proper, it behooves a buyer to look into the City of Rochester program for buying. The City of Rochester encourages first time home buyers to buy in the city through a Home Purchase assistance program grant. The program is somewhat involved and buyers must qualify to participate. The home bought must be located in the city boundaries and the buyer may purchase a one or two family home, but is obligated to live in it for five years. They must contribute $1500 towards the buy, and qualify for either a conventional, VA, FHA or SONYMA loan. The family income must fall within certain boundaries, and the buyer must attend pre and post purchase buying classes. There is an application found online at the CityofRochester.gov website, as well as details on the program.

Another option first time buyers may be unaware of are Employer Assisted Housing programs. In the Genesee Valley region, some of the employers who offer assistance programs are the Visiting Nurse Services, High Falls Brewery, the City of Rochester, Unity Health and the University of Rochester. The best way to find out if an employer offers some sort of home buying assistance is to inquire through their Human Resources Co-Ordinator.

Some grant programs offer money down assistance provided specific requirements are met, including taking classes covering specifics regarding improving credit, saving for down payment, buying and ownership.

Some agencies can offer a no-interest loan for the down payment, if a buyer is having a hard time saving for a house. The Bishop Sheen Ecumenical Housing Foundation is one of the agencies offering this. The loan must be paid back monthly and is secured by being added to the deed as a second mortgage on the home that is being purchased.

This means the mortgage will have to be paid in full when the owner opts to sell their home, and all mortgages must be satisfied through the sale.

All of the buyers in these programs must fall into certain income guidelines, some of which are set by the federal government. The buyers are in most cases required to have good credit to be mortgageable. If their credit is questionable, there are programs that are designed to help the client achieve good credit, by advising and guiding the potential borrower. While the following organizations can deal directly with potential buyers, some

also service local buyer assistance programs for banks or credit unions, they are: The Housing Council, NeighborhoodWorks Rochester as well as the Bishop Sheen Ecumenical Housing Foundation.

Not all mortgage companies and or banks, offer programs to assist first time home buyers. Of the ones that do, most participate in a federally organized program known as First Home Club. Locally these banks are: M & T Bank, Canandaigua National, Fairport Savings Bank, Family First Federal Credit Union, First Niagra Bank, and the Bank of Castile. While each bank has adhere to federal guidelines set for the First Home Club, their programs can differ since there is some leeway as to what they can additionally offer the potential buyer. For example, no mortgage insurance is required by Bank of Castile since they hold all their own mortgages in their own portfolio, in other words they do not sell their mortgages off to a second party and then only service them as other banks might do. Not requiring mortgage insurance while offering a three percent down loan represents a significant savings for a buyer! Sometimes additional grants can be added to the program, for up to date information contact the lenders.

To participate in a First Home Club program, a buyer should first research the different resources and programs, each bank or credit union participating in this program offers. Once they decide which bank or credit union they want to work with, they should make contact.

Some of the banks or credit unions will have a specialist who handles all clients in this program, for others, every mortgage officer is able to work with the client. Contact the institution and ask to speak with someone who can explain the program, this is your best course of action.

Once contact is made with the loaning organization of choice, the mortgage officer will do preliminary work to see if the client will qualify for the First Home Club Program. This sometimes includes running a credit check to see if they qualify for a mortgage. If they do not the loan officer will review the situation with the client advising them what it is they need to do to qualify for a mortgage. If, or when, a client is cleared as being ready to take out a mortgage, they will then be referred to the agency that that particular institution prefers working with.

It is up to each organization to decide which agency to work with for administration of

the First Home Club. Local administering agencies are: The Housing Council, NeighborhoodWorks, and Providence Housing.

The client is required to contact the agency that will take them through the program.

This agency gives the mandated classes and oversees the program participant’s adherence to the requirements. Once the classes and meetings are completed, a certificate of graduation is issued. This shows the bank that the client is now eligible to to enter into a savings program.

The client now must contact their loan officer to let them know they have fulfilled the initial requirements of program participation and that they are ready to enroll into an account that is specified for savings toward the down payment on the home as required by the First Home Club program. In order to qualify for the First Home Club grant, a minimal amount of time is required for saving, usually ten months, if saving the preferred minimum of $175/per month.

The time required to participate in the savings program can vary, dependent on how much can be saved per month and the minimum amount set by the banks program administrator. Sometimes, a client will save less per month but be required to save for a longer amount of time, due to their financial circumstances.

Prior to setting up the savings account, the mortgage officer will run a(nother) credit check to make sure the client is able to qualify for a mortgage. If they are, and are then enrolled in the savings program, they are cautioned to not open new credit or buy large ticket items on existing credit accounts, since these purchases can affect their credit rating to a point where they no longer qualify for a mortgage. Clients have to be careful to follow all the steps outlined by the program administrators and loan officer. Once completed the client will receive a significant

“Loan officers are well versed in the options available to first time home buyers...”

amount towards the down payment, making buying a home more affordable and easier.

If first time home buyers do not want to wait to buy a home, they may be eligible for VA, FHA or SONYMA loans which make home buying possible. Loan officers are well versed as to the options available to first time home buyers as well as the organizations listed below. There is no time like the present to consider buying that first home, since interest rates are still low and have only one direction to go, that being up! Consider contacting any of the agencies below to see what you can do to take that first step! You have options and help at your fingertips!

Organizations that offer or service Buyer Assistance Programs: Bishop Sheen Ecumenical Housing Foundation: 585-461-4263 sheenhousing.org/whatwedo/ownership.html City of Rochester: Homebuyer@cityofrochester The Housing Council: 585-546-3700 thehousingcouncil.org/homeowners/ NeighborhoodWorks: 585-325-4170 nwrochester.org!

Banks that offer Buyer Assistance Programs: Bank of Castile: Cindy O’Grady: 585-368-7540 email: cindyogrady@bankofcastile.com Canandaigua National: Vanessa Gargana: 585-385-2370 ext. 50954 email: vgargana@cnbnk.com M & T Bank: Nanci Miersch: 585-258-8423 email: nmiersch@mtb.com Fairport Savings Bank Family First Federal Credit Union: Peter Pecoraro: 585-305-2470 email: ppecoraro@fairportmortgage.com/Peter Family First Federal Credit Union: Tatiana Clader: 585-586-8225 ext 130 email: tattiana.clader@familyfirstny.com.

First Niagara Bank: First Niagara.com/Borrow/Mortgage/Personal/Mortgages/Find_amortgage-consultant

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Nothnagle.com/R250080

Lic Assoc. R.E. Broker

Charming Cape in a great neighborhood Just minutes away from shopping & restaurants.Great home,move in condition. Updates: T/O roof, furnace, C/A, glass block windows.Large master bedroom on 2nd floor,Won't last! 292-8500 PC42087

746-3675

David Teske

Nothnagle.com/R254063

Lic Assoc. R.E. Broker

Property Source #R252623 8/24 Open Sunday

from 1-3pm

Please call the phone number on the ad

Property Source #R252623

6

RE

739-8544

Rose Valleriani

Nothnagle.com/R252623

Lic Assoc. R.E. Broker

from 1:30-3pm

Property Source #R255865

Property Source #R255712 Open SATURDAY

Property Source #R255719

8/23 from 2-4pm

Property Source #R255712

Chili $101,900

Updated 2BR Ranch on half acre lot! Within minutes to Wegmans, Wal-Mart Supercenter, & Highway entr, Lg LR,2-way WB FP,Frml DR,Updated kit,Newer wndws,Furn,C/A, Dishwashr,Covered porches, Patio, Fin LL,AG pool+MORE! 292-8500 PC50117

Lic Assoc. R.E. Broker

buyer’s

Property Source #R242841

Lovely 3 Bdrm 2.5 Ba Colonial Features:New Kit, Lg Frml DR, FR w/WB Fplc/Walk out to New 3 Season Sun Rm, 1st Flr Lndry Rm+ Kit & FR in Basement New Furn & C/A, Maint Free Ext,Priv Yrd,Patio,Shed,Garages +MORE 292-8500 PC18587

CAL PRO LO

Grace Wang

Propertyfirst Source #R242841 time home

Greece $154,900

AL ESTATE

Property Source #R255719 Open Sunday 8/24

Nothnagle Agents Get M The End Result: You Get

698-2028

Nothnagle.com/R255719

698-2028

Nothnagle.com/R255865

545-4428

Linda Wilson

Nothnagle.com/R242841

Lic Assoc. R.E. Broker

Propertyfirst Source #R239935 time home

buyer’s

Property Source #R239935

Chili $81,900

Great Value! 4 bedrooms. 2 full bathrooms. Formal dining room. Front enclosed porch. Full attic. Minutes to Highland Park, UR, downtown. Currently occupied by tenants. 292-8500 PC Lic Assoc. R.E. Broker

Everything NEW! Vinyl Sided, 3 BR, 1 BA Home.

NEW Roof, furnance, hot water heater, windows. Eat-in kitchen, formal dining, large living rm. Fenced yard.

Nothing to do but move in and relax. 292-8500 PC08267

Great Starter Cape! Features 2/3 BR's,Remodeled BA,Skylights in 1st flr MSTR & BA, All Appl's Incl, C/A, New Roof, Part fin bsmt,shed on 1/2 acre lot, Mins to Shopping,& Expressway,Priced Below Assessmt.292-8500 PC50667

Rochester $64,900

Grace Wang

Rochester $59,900

Barbara Bittlingmaier Lic Assoc. R.E. Broker

746-7272

Nothnagle.com/R255712

Rochester $29,500 3 Bedroom Cape Cod 1 bathroom. Rent $850. Sold AS-IS.292-8500 PC 71207 Linda Wilson Lic Assoc. R.E. Broker

545-4428

Nothnagle.com/R239935

Sellers’ Weekly Market Report

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Nothnagle Agents Get More. The End Result: You Get More! from 2-4pm

Property Source #R250168 Open SATURDAY

Brockport $129,900

Canandaigua $269,900

Spacious 1790sf One Owner Ranch Fin Walkout Bsmt. In-Law/Teen Suite. 3 BR, 2 Full BA. Formal DR & LR. FR w/Gas frplce, Some Appl's Included. Bsmt or 1st Flr Lndry. Loads of Potential. Wooded Yrd~ 2 Car Gar. 292-8500 PC35237

Custom Built 2870 SQFT Gerber Home Has the best of the best! Priced way below the rebuild cost. Owners overlooked nothing when building it.Upgraded everything! Windows,Cherry flrs, Cedar-look vinyl Siding+ Much MORE! 292-8500 PC35897

576-9406

Leif Mermagen

Nothnagle.com/R252520

Lic R.E. Salesperson

Property Source #R254121

Nothnagle.com/R250168

Lic Assoc. R.E. Broker

Property Source #R254769

Property Source #R254461

East Rochester

$119,900

576-9406

Nothnagle.com/R254121

Lic R.E. Salesperson

752-0921

Sandra Maluta

752-0921

Nothnagle.com/R254461

Lic Assoc. R.E. Broker

Property Source #R253446 Open SATURDAY

y local agent or 899-MOVE thnagle.com nNothnagle.com

e ams is ertips

8/23 from 2-4pm

Property Source #R255087 8/24 Open Sunday

755-9148

Joy Sherry

Nothnagle.com/R253717

Lic Assoc. R.E. Broker

Property Source #R248507

from 1-3pm

Greece $124,900

Immaculately Maintained & Fully Updated! 3000+SF fin living space,4BR,2full,2half BA home.2story foyer,Open airy Flr plan.Kit w/granite,Sunrm, IG pool,Patio,Back inside a frml LR/DR,FR w/gas FP &addn'l 1000sf fin bsmnt+MORE 292-8500 PC14427

208-4873

Nothnagle.com/R253446

Property Source #R254594 8/24 Open Sunday

Nothnagle.com/R254769

Lic Assoc. R.E. Broker

Greece $259,900

Lic Assoc. R.E. Broker

755-9148

Joy Sherry

Meticulous 3 bdrm Ranch! Featuring many updates!

Vaulted ceil'g in LR & Kit adds to open flr plan. Sleek kit, Lg din area, Deck, Sizeable BR's, Mstr w/door to updated BA,Fin bsmnt adds to sq ft,2 c gar+MORE 292-8500 PC40287

Property Source #R255087

Property Source #R253446

Catherine Chrisley

Gates $134,900

STAYCATION ALL SUMMER LONG Sprawling 2238SF,4BR, Bi-level,Elegant tiled foyer w/doors leading to IG pool,Home backs to the town owned walking path,Upstrs w/open flr plan&2BR's-Dwnstrs could be in-law w/2BR! 292-8500 PC 45667

Spacious, Updated & Full of Surprises! In this 1,756 sf Home,Gran Kit, Finished LL w/Huge 2nd MSTR,& Full BA, Main level w/ 3 BR's,& Full BA, Full Fncd Yrd w/ Shed,Cul-De-Sac,Some Newer Appl's inc. Gas FP, Call for APPT. 292-8500 PC43927 Sandra Maluta

Property Source #R253717

Greece $159,900

Rochester $110,000

This home is a entertainers dream .. Or those that just need some elbow room. Large Int rooms & one of a kind priv back deck, encl porch,1st Flr offers LR,DR,Kit & office/den space,MBR +2 more BR's upstairs! Must See! 292-8500 PC42127 Leif Mermagen

8/23 from 1-3pm

Property Source #R250168

from 1-4pm

Greece $114,900

Unattached Ranch Patio Home In Townhouse development w/HOA fee & associated benefits!Setting w/ lush landscaping, Trex deck,Open floor plan, New hrdwds, DR, Kit w/new corian,Mstr,Fin bsmt makes SF-close to 2000! 292-8500 PC47177

755-9148

Joy Sherry

Nothnagle.com/R255087

Lic Assoc. R.E. Broker

Property Source #R254428

PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

Property Source #R252520 8/24 Open Sunday Property Source #R252520

COME SEE COME SIGH...IT'S ALL DONE HERE! 7 year old Col featuring maple kit, stamped concrete patio. 1st Flr laundry w/cabinetry. Fin bsmt w/lg closet. Darling yard with new white vinyl privacy fence.

Popular Odyssey School!292-8500 PC08607

755-9148

Joy Sherry

Nothnagle.com/R248507

Lic Assoc. R.E. Broker

Property Source #R254289

Property Source #R254594

Phone.

gle.com Rochester $109,900

Greece $189,900

More.

More!

208-4873

Catherine Chrisley

Nothnagle.com/R254594

Lic Assoc. R.E. Broker

Property Source #R252615 8/24 Open Sunday

from 2-4pm

Irondequoit $89,900

EXPERIENCE A TASTE OF CHARLOTTE.. W/THIS 3BR CHARMER! Open staircase, Hrdwd flrs, lrg LR,Brick mantled FP, Encl side porch, Frml din,Eat-in kit, BA updates, 3Grt sized BR's w/hrdwds, fully fin attic,2 c Gar, Pvt yard 292-8500 PC43887

Pristine&Spacious,Fully Updated 3BR, 2.5BA Ranch. Vaulted ceilings.GR w/gas frplce. Frml DR. 1st flr lndry. Lg deck overlooks Larkin Creek. Insulated 12c bsmt. Updated furnace & A/C, windows, 30 yr roof, engineered hrdwds + carpets. 292-8500 PC14077

755-9148

Joy Sherry

Nothnagle.com/R254428

Lic Assoc. R.E. Broker

ENJOY LAKE BREEZES! Charming 3BR,1.5 BA colonial w/2 c gar, Encl porch to LR w/Hrdwds& bay wndw w/seat. Formal DR w/Hrdwds, New maple kitchen,ALL APPL's Incl, 2 MSTR sized BR's,one w/bay views+MORE! 292-8500 PC42987

755-9148

Joy Sherry

Nothnagle.com/R254289

Lic Assoc. R.E. Broker

Property Source #R251691

Property Source #R252615

Greece $144,900

721-9924

Diana Windrum

Nothnagle.com/R252615

Lic R.E. Salesperson

Property Source #R255389 12+ ACRES

Anita Fargo

Webster $174,900

Beautiful & Well Maintained spacious Floor plan!

Slider leads to deck overlooking lovely landscaping.

2 full BAs, full finished basement with possible in-law living. A lovely Ranch is hard to find as this price.2928500 PC08207

Spacious 2027sf Split Level Updated interior, 4 bdrm, 2 Full Baths, Hi-Efficiency furnace w/ CA , 2 wood burning fireplaces, large patio & above ground pool.

Oversized lot. 292-8500 PC76997

Lic Real Estate Salesperson

820-2242

Tina Zwetsch

(O) 368-7114 • (C) 317-3930

Nothnagle.com/R251691

Lic R.E. Salesperson

Property Source #R252790 8/24 Open Sunday

Property Source #R248741

Property Source #R255389

820-2242

Nothnagle.com/R255389

Tina Zwetsch Lic R.E. Salesperson

820-2242

Nothnagle.com/R248741

Irondequoit $154,900

Live on One of W Irond Nicest Streets! It's all been done for you! Unbelievable white kit w/granite, formal DR, HUGE frplced LR, Upd BA & powder rm, new lighting, paint, refin hdwds thruout, fin bsmt, lovely lot w/ shed. 292-8500 PC53837

Designed by Architect James Johnson (Mushroom House) Unique & one of a kind contemp will amaze you! Shabby Chic Int, soaring beamed ceil'gs, open bal-bamboo & cherry heated Flrs, mahogany cabs, New $30K+ spa BA.In-law Apt w/sep.entr. 292-8500 PC76357

Why rent when you can own for less! Enjoy the ease of one floor living in this updated ranch. Plenty to offer w/ 3 bdrms, 1 bth, Spac Kit, DR,WB FP, EE Windows, C/A, 1st Flr Lndry, Patio, Shed, Seller is replacing roof 292-8500 PC21947

Look No Further Perfect location to build! 12+ acre lot is in excellent location w/close to expressway & city.

Ideal for hunters & wildlife enthusiast. Some woods cleared. Electric available at road. 292-8500 PC48867 Lic R.E. Salesperson

Property Source #R249536

Greece $184,900

Webster $114,900 Rush $59,900

Tina Zwetsch

from 2-4pm

Property Source #R252790

Anita Fargo Lic R.E. Salesperson

368-7114

Nothnagle.com/R252790

Anita Fargo Lic R.E. Salesperson

368-7114

Nothnagle.com/R249536

Please call the phone number on the ad

Call Me For A FREE Market Analysis or Exclusive Buyer Representation

7

Home • Auto • Life

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PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

Nothnagle Agents Get More. The End Result: You Get More!

Property Source #R240705

Property Source #R248466

R

Lic Assoc. R.E. Broker

Property Source #R249168

Charming 4 BR, 2 full BA Colonial Features formal dining & living rooms with beautiful moldings, open front porch, private park like yard with pond. 1 car detached garage. 292-8500 PC07637 Lic Assoc. R.E. Broker

Property Source #R245232

545-4428

Nothnagle.com/R249168

545-4428

Nothnagle.com/R245232

Lic Assoc. R.E. Broker

The Property Source is a

Property Source #R243820

Rochester $35,000

Linda Wilson

Find Your Local PRo online at

PropertySourceOnline.com

MEMBER

Property Source #R250928

Rochester $30,000

Charming 3BR Cape! Eat-in kit w/walk-in pantry, formal DR,LR,encl back porch, open front porch. fncd yard, new drive in 2013. new hot water tank march 2014. nicely landscaped T/O roof'04, furn'04 292-8500 PC41027

4 Bedroom Colonial Eat-In-Kit, Formal Dining & Living Room, Open Front Porch, 1.5 Car Detached Garage Currently Rented @ 895 Per Month. 292-8500 PC38497 Lic Assoc. R.E. Broker

545-4428 Nothnagle.com/R248466

Linda Wilson

Rochester $45,000

Linda Wilson

When Buying or Selling It’s Better To Use A

E

CAL PRO O L

Rochester $69,900

4 bedroom 2.5 bath Ranch! Eat-in kitchen/dining with sliding door to sun room. Living room with hdwds.

Roof only 3 yrs. Appliances included. 2 car attached garage. Located on a quiet neighborhood street. 2928500 PC77997

545-4428 Nothnagle.com/R240705

L ESTAT

Local Pro!

Irondequoit $95,000

Linda Wilson

EA

Rochester $50,000

Vinyl sided, 3 bedroom Cape! Eat-in kitchen, formal dining & living room. Enclosed front porch. Security system. Fenced back yard. Total tear off roof within last 2 years.292-8500 PC 27767 Linda Wilson Lic Assoc. R.E. Broker

545-4428

Nothnagle.com/R243820

Well Kept 3 BR Colonial Eat-in kitchen with plenty of cupboards & pantry. Enclosed back porch. Open front porch & shed. 292-8500 PC88727 Linda Wilson Lic Assoc. R.E. Broker

545-4428

Nothnagle.com/R250928

Toni Sells Toni Sells Toni Connors

Lic Associate Real Estate Broker, GRI, CRS, CSP, Luxury, Realtor

Another Choice…Not Just Another Realtor

RE

Caring Enough to Negotiate the Highest Price for Your Home!

AL ESTATE

C: (585) 314-TONI O: (585) 389-4011

CAL PRO LO

tconnors@nothnagle.com You Need to call Toni Now!

As I See It

By Lana Torre

Interior Designer, Evergreen Interiors

Please call the phone number on the ad

All Decked Out

8

It’s August and we are enjoying our friends and family and all the glorious weather before fall arrives. And as we flip our ribs on the grill, we take one good long look at the deck. What can we do to improve our deck, not just the decking itself, but decorate the space, make it an outdoor room?

Firstly, let’s talk about deck maintenance. A thorough cleaning with a good wood cleaner and a power washing on a hot sunny day is perfect. Next a finish. There are many stains and sealers on the market, so ask a professional at your local home store which one to select. It is so much easier to roll on these products rather than kneeling and brushing, I tried this and almost didn’t make it upright again! Use your broom handle, and screw it into the base of the roller, so darn simple and easy.

Now that your deck is cleaned and finished let’s talk decorating. Yeah! Having extra space is always what most of us desire. Why not use your deck as another room. One of the most important considerations should be the “ceiling” or “roof” of your space. An awning is an awesome solution to a too sunny deck. A simple, wide stripe in shades that compliment your home always adds a whimsical touch, while being practical. There are hand crank as well as electric versions. If an awning is not in your budget, one umbrella or more will give you a

shady spot. There are so many new umbrella products in the marketplace today. There are round of course, but also large, square and rectangle versions. I have spotted umbrellas that are equipped with solar lights, that collect power by day and the tiny lights glow at night for outdoor ambiance. Pier One has garlands and lanterns to hang from the umbrella - make it fun, dangle some glass trinkets from the points of the umbrella.

We all know that accessorizing wins 10 points. Add some outdoor pillows on your furniture, try a bolster in a stripe to work with your awning. The newest of the acrylic fabrics are awesome, they repel the water as well as stains and dry so quickly, plus they do not fade.

In a catalog, I saw darling terry cloth covers for your chaise lounge, some with clams and lobsters, others with starfish and sharks.

Light a candle lantern at night, every store has these, to repel bugs, use citronella candles.

Place them by your flowerpots to add a soft glow to them. Solar lights are now reasonably priced. Add these to your garden scape. I bought some that look like rocks and tucked then in between the large pots of flowers. Buy a firepit! On a chilly night you can feel the warmth and enjoy a scent of a wood burning fire, and you can always toast marshmallows with the kids.

If you are shopping for a new grill, try a stainless model, so easy to clean and can withstand the elements. Some have extra side burners that are great for cooking veggies. Smokers have become very in vogue since the popularity of smoked turkeys.

Patio furniture has taken a no maintenance design. There are Adirondack chairs and loungers made of durable resin that will last for years. I have seen in the catalogs so many wonderful colors, including, red, skipper blue, pink and yellow. Teak and eucalyptus furniture is everywhere. You can purchase loveseats, sling chairs, and bistro sets. These products are ecofriendly and require just a coating of oil every few years.

Try a fountain on your patio. The sound of tumbling water is sure to relax and cozy up your space. The newest designs are solar. They collect energy by day and at night the water will flow without using any electricity- a truly “green” product. I have seen frog sculpted fountains, and bears spilling buckets of water, so cute!

This is the time of year to enjoy your outdoor space. Make it fun, make it functional, but most of all buy it now, because it is all on sale.

Evergreen Interiors 585-223-8776 LanaTorre@aol.com LanaTorre.com

Knowledgeable Experienced Affordable

JAM TAX SERVICE Personally taking care of your tax needs for over 35 Years!

Enrolled to practice before the IRS!

James A. Marra, EA Cell: 585-451-8387 • Office: 585-241-5906 E-Mail: jmarra04@aol.com 2000 Winton Rd S, Bldg 4A, Suite 206, Rochester, NY 14618

T H E

C

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Helping you find your way home.

RE

2171 Monroe Ave Rochester, New York 14618 • Each office independently owned and operated.

Property Source #R24948989.3 ACRES!

Property Source #R251326

AL ESTATE

CAL PRO LO

Jacquelyn Cannan Lic Associate R.E. Broker

Property Source #R253641

Property Source #R249489

Ontario $795,000

Spectacular 3160sf Home! Tranquil & Serene! Open floor plan w/Cherry & Granite Kit flows to frplced FR, overlooks curved Trex decking & stampcrete patio. Master Suite. Manicured & landscaped, 3/4 acre pond, Fenced pastures, pole barn, Workshop

Pittsford $650,000

Rare Offering - Private, Contemp, Mini-Estate! In the heart of Pittsford! Flooded with natural light via glass walls, this stunning one-of-a-kind 4,072SF Ranch is custom built with museum-like spaces,Spectacular views of nature from every window!

279-8040

Property Source #R252648

Property Source #R249499

Property Source #R252648

1 ACRE

Brighton $375,000

Gorgeous 3466sf Colonial 6 Bedrooms, 3.5 Baths. 2 Car Det Garage IG Pool.

BIG Kitchen with Stainless steel appliances and WB Stove. Timeless home with Hardwoods throughout! Pittsford Schools.

279-8040

PropertySourceOnline.com/R253641 Property Source #R254647

Mendon $275,000

Beautiful Cape/Ranch style home On 1.51 acres in Mendon. Features: Grt Rm w/ vaulted ceiling, WB FP, spac.deck.E-I Kit w/ SS Appl's, back yard with mature trees &stream, Mstr w/BA,+ LL patio surrounding the beautiful built in pool.

279-8040

PropertySourceOnline.com/R249499 Property Source #R253989

279-8040

PropertySourceOnline.com/R251326

Property Source #R249499 6 ACRES!

Beautiful Historic Home on 6 acres! 3 fenced pastures & 3 stall barn + run-in shelter.

Today's Amenities with original moldings & wide plank floors. Maple & Granite EIK. 1st flr Master. Formal DR & Frplced LR. FR w/WBFP. 2.5c gar w/loft

One of a Kind Contemporary Home Nestled on 1.68AC w/creek! Dramatic vaulted 2 story entry welcomes you into this Arch Masterpiece,Open Flr Plan,Kit w/Euro style cabs,1st flr MSTR & LL Apartmt +MORE! Too many features to mention!

279-8040

PropertySourceOnline.com/R249489

Mendon $375,000

Mendon $475,000

279-8040

PropertySourceOnline.com/R252648 Property Source #R251181

PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

Plus

279-8040

O: TheCannanTeam.com

PropertySourceOnline.com/R254647 Property Source #R249474 2 FAMILY! Property Source #R249474

Rush $250,000

Begin and end your search here! Large formal LR & DR combination, Spacious EI kit, 2 tired deck,FR W/brick WB FP, MBR w/BA &WI, New 30 yr arch roof'08, Profess landscaped lot overlooking Wild Wood GC, Private backyard w/trees+MORE

Macedon $165,000

Beautiful newer Ranch Home With fantastic open floor plan! Upgraded Kit, Dining area, rear trex deck, Light filled LR, MSTR w/WI &BA,2nd full BA,full 13 course bsmnt,2.5 c att,side load gar,covered porch,landscaping,Appl's Incl

279-8040

Greece $145,000

Fantastic Curb Appeal! Contoured stamped concrete walkway welcomes you into to this split level home! Profess landscaped! Pergo Flrs thruout main living area,Spac Kit incl's all Appl's +wshr&dryr,DR,MBR&LL+Part fin rec rm

279-8040

Brighton $135,000 Charming home with so much Character! This home boasts hardwood Flrs in the entryway w/ wood staircase & solid wood banister, wood & glass front door to encl porch, LR w/hrdwds& WB FP, Updated kitchen 2014 formal DR, Updated bath+MORE!.

279-8040

PropertySourceOnline.com/R255221

West Bloomfield

$138,500

Beautiful Country Home! Situated on 1+acre! LR & FR both offer Pegged Oak Flrs w/WB FP's.Kit w/eclectic cabinetry,a 1942 Andes gas & wood stove stays! 3000+SF! MSTR w/WI.Pella Replacemt Wndws'11,Spac MSTR,Huge BK Yrd+MORE

279-8040

PropertySourceOnline.com/R245225 Property Source #R255221

Property Source #R253617

279-8040

PropertySourceOnline.com/R253855

PropertySourceOnline.com/R253617

Property Source #R253272LAKE - LAKE ACCESS! CONESUS

Property Source #R254174 Fairport Electric!

Property Source #R253272

Property Source #R254174

Livonia $134,900

A Must See! In law apartment/secondary residual income apartment next door included! Updated first floor bathroom with jacuzzi tub! As close as you can get to the water! plus deeded water rights!

279-8040

PropertySourceOnline.com/R253272

Perinton $112,900

Amazing end unit Townhome Priced to sell & ready for low maint living! Recent upgrades:new 200 amp electrical serv, A/C, dishwasher, upstairs carpet & fresh paint'12, All appl's incl, Neutral decor,MBR,Addnl 250sf in fin LL.

279-8040

PropertySourceOnline.com/R254174

Please call the phone number on the ad

Many Updates in this Traditional Colonial! Updated BAs, hrdwds throughout, fresh paint, newer roof, furnace & elec. Relax on the inviting deck, overlooking the pretty yard w/mature trees. Fin LL, 2 car gar + huge 24'x48' gar/workshop.

279-8040

PropertySourceOnline.com/R249474

PropertySourceOnline.com/R251181 Property Source #R253855

Lima $150,000

Lovingly Restored 19th Ward 2 Family 3 BR, 2.5 BA owner's unit w/gumwood trim & Brazilian Chestnut floors. Maple & Silestone Kit, lg DR w/pocket doors, frplced LR, Mstr Suite. 2 BR, unit offers great income. Sep utilities, 4+ car parking

279-8040

PropertySourceOnline.com/R253989 Property Source #R245225

Rochester $157,900

9

PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

The Property Source Property Source #R254796

Property Source #R254743 8/24 Open Sunday

More details at PropertySourceOnline.com TM

Type in Property Source #

from 1-3pm

Property Source #R254743

Kristina Birulyte Lic R.E. Salesperson

Find Rentals In Your County!

Macedon $79,900

Motivated Sellers - Bring Offers! Absolutely Mint!

Spectacular & remodeled 2BR. New kit ('10). BAs & Laminated flrs ('09). Main BA w/marble, New H2O & Driveway repaved. New roof w/lifetime transferable warranty. NO HOA FEE

Greece $125,000

Spacious 4BR Colonial w/Updated Mechanics T/O roof '06,Furn'11, A/C'06,Sec sys,1st flr.w/LR or DR, lg FR w/gas FP & kit w/Appl's Incl,1st flr lndry,&1/2 BA,4BR's Up, fully fncd bk yrd w/patio & shed,Low maint vinyl&brick ext.Basic star $706.

301-5739

414-7933

Kristi Hoff

PropertySourceOnline.com/R254743

PropertySourceOnline.com/R254796

Lic R.E. Salesperson

Property Source #R255414

Property Source #R255680

Hamlin $93,500

Rochester $75,000

Looking for First Floor Living under $80K? Wonderful ranch,ready for that lifestyle change,1 floor, Newer Roof, Maint free siding,E-I Kit, 2BR's, Full fncd yrd,Shed, Patio,New encl porch,New roof, Carpeted, New wndws all around,Frml DR,LR+MORE

Just move right into this cozy 3BR Split Level! Updates: HE furn & C/A'12,Windows'06, T/O roof on LL'13, upper level-12 yrs.LR &FR each w/ a gas FP,DR, two tier Trex deck, Rear yrd backs to town owned green space, shed,USDA 100% financing avail!

414-7933

Kristi Hoff

PropertySourceOnline.com/R255414

Lic R.E. Salesperson

Property Source #R255673 Cover

259-5287

Maureen Toombs

PropertySourceOnline.com/R255680

Lic Assoc. R.E. Broker

Property Source # Commercial

Home

Property Source #R255673

East Bloomfield

$229,900

Truly Touched by Tradition Circa 1825 Federal style w/rustic wood floor to retain 19th century character.

Shaker style cherry kit. Multiple traditional frplces.

Spacious grand foyer to winding spindle railed staircase. more..

Skip Ordway Lic R.E. Broker

Rochester

For Rent

Commercial Building on West Ridge Road Opposite Eastman Business park! 8-9 room + attic & bsmt. Parking lot in rear of building w/access from rear & front. Newly remolded outside. redone interior, beautiful character - Negotiable! Tom Dougherty, Owner.

200-2553

PropertySourceOnline.com/R255673

Why

254-8055

PropertySourceRents.com Document: 911031.pdf;Date: Feb 05, 2013 08:37:13

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The Property Source

Type in Property Source #

TM

from 1-3pm

Cindy “B” Rosato

Property Source #R253652

Licensed Associate Real Estate Broker

O: 756-7418 • C: 455-5961 Henrietta $159,900

Meticulously Maintained 3 Bed Split Pittsford Mailing,Huge LR w/hrdwds,EI Kit w/Appl's, Dining area, Deck,lg yard, Mature trees, FR, Most new windows, 2 updated BA's, 1st flr lndry rm, 2 c gar, Allow 24 hrs notice to show! call lister.

Macedon $164,900

2 Family Owner Occupied Home! Almost 5 acres of land, wooded, Detached gar/barn. separate utilities.

230-3928

Marilyn Beicke

PropertySourceOnline.com/R243534

Lic Assoc. R.E. Broker

Property Source #R251678

330-0150

James Gaze

PropertySourceOnline.com/R253652

Lic Assoc. R.E. Broker

Property #R254404 OpenSource SATURDAY

8/23 from 12-2pm

Lic Assoc. R.E. Broker

230-3928

PropertySourceOnline.com/R251678

820-6160

PropertySourceOnline.com/R254404

Lic Assoc. R.E. Broker

Macedon $169,900

What an incredible home! Tons of space to entertain! Wonderful landscaping front & back,"L" shaped deck,IG pool, All new Hrdwds, All new Kit,1/2BA w/ lndry,Frml LR w/FP, Formal DR. Grt RM addition w/FP! 3BR's, Mstr w/BA+MORE!

This house was built w/all the bells & whistles! 2822SF,Open 2 story foyer, 9' ceilings, Rounded corners, Gourmet Kit, Grt Rm w/ gas log FP, Oak hard wood floors, 1st flr lndry, 1st flr BR/office/den, Frml DR, Lg MBR w/WI & BA+ Bonus RM(XTRA BR)!

NEW PRICE for this Gracious Colonial! In the heart of Canandaigua, Circa 1900. Details abound,orig trim, Hdwds,Moldings, Pocket doors,Blt-ins,&Soaring ceilings. Spac Flr plan w/grand entry foyer,Generous sized LR,Updated Kit,Mstr +MORE Sharon Gersey

Property Source #R250782

PRICE!

Greece $264,900

Canandaigua $259,900

Nice home in great neighborhood! Updated spacious kit, Cer backsplash, Oak cabinets, Brkfst DR, LR w/ FP, Blt-In's, Hrdwds, New windows & roof. Updated mechanicals.Convenient location near Corbett's Glen Nature Park. Penfield schools.

Marilyn Beicke

Property Source #R254552 NEW Property Source #R254552

Property Source #R254404

Brighton $149,900

Realty Group

756-7418

Cindy "B" Rosato

PropertySourceOnline.com/R254552

Lic Assoc. R.E. Broker

756-7418

Cindy "B" Rosato

PropertySourceOnline.com/R250782

Lic Assoc. R.E. Broker

Property Source #R251901

Property Source #R253499

Heroes Home Advantage Cash Back or Credit and Discounts to Those That Serve When Buying or Selling a Home!

Military: Active Duty, Veteran, Retired, Reservist, National Guard, Law Enforcement: Police Officer, Prison Guard, State Trooper, County Sheriff, Border Patrol, Retired, Firefighters: Active, Retired, Volunteer, Health Care Professional, First Responders and Teachers

585-377-5233

info@HeroesHomeAdvantage.com www.HeroesHomeAdvantage.com

Totally neutral & move in condition! 1st flr lndry,back foyer entry from 2 c gar(currently has a ramp) MBR, Kitchen w/Oak cabinetry,large dinette&Grt RM, 2nd BR off full BA, 3rd BR used as office. All glass sun rm.

Best lot in the park!

Warm and loved Colonial! Raised their whole family here! Wonderful neighborhood,3BR,2 full BA (new one on 1st Flr) LR w/WB FP/mantle,frml DR,FR addition(could be 1st flr BR,) Newer Cherry kit, 3lg BR's,Hrdwds,Priv Fncd Yrd!

For more information:

Jeffrey Caine, Sr. Loan Officer, NMLS #65004 O (585) 348-9621 • C (585) 530-7690 jcaine@ctmtg.com

Victor $99,900

Irondequoit $129,900

Ladd Exclusive Agency, Realtors

756-7418

Cindy "B" Rosato

PropertySourceOnline.com/R253499

Lic Assoc. R.E. Broker

PropertySourceOnline.com • Volume 18 Issue 17 • August 20 - September 3, 2014

Property Source #R253652 8/24 Open Sunday

Property Source #R243534

More details at PropertySourceOnline.com

756-7418

Cindy "B" Rosato

PropertySourceOnline.com/R251901

Lic Assoc. R.E. Broker

Ronald Strine Lic R.E. Broker/Owner Since 2007

Property Source #R251056

menu of services, your way!

Property Source #R250294River St. Lawrence

Property Source #R254220

Paradise!

Property Source #R250294

Excellent Condition! 1st flr living w/appl’s incld. Spacious BRs w/mstr.

New windows, slider & carpet. ‘03 furnace, window covers. Pvt storage rm (Lockable). Coin operated washer & dryer. Fpt elec, HOA incldes H2O!

872-3575

PropertySourceOnline.com/MLS # R251056

Cape Vincent

$119,900

Excellant condition seasonal cottage! U-shaped dock w/3’-5’ water depth. kit w/plenty of counters & cabinets, all appl’s included. LR w/water views. Ladder access to small fin attic. deck w/views to bay, large shed.

872-3575

PropertySourceOnline.com/MLS # R254220

Thousand Islands

$1,399,000

Private Island! 1.3 Acres & 1140’ Waterfront!6421sf Victorian. 10 BR, 4 Full BAs, 4 Porches, Spiral Staircase, Boat House w/7’ Depth. 200’ Dockage.

Upgraded Plumbing, Elec, Well, H2O.Between Clayton & Alex Bay.

872-3575

PropertySourceOnline.com/MLS # R250294

All 3 luxury water activity homes...pool, bay or river...

Imagine the FUN!!!

(585) 872-3575 | yor-way-realty.com

Please call the phone number on the ad

Perinton $91,500

11

Sam Morreale & Danielle Riley Lic Real Estate Salesperson 339-3966 | smorreale@nothnagle.com

Lic Associate Real Estate Broker 339-3965 | driley@nothnagle.com

Sam is a Sales Platinum Award Winner Every Year Since Inception! Ranked #14 out of 8000 Realtors in the Country for transactions in 2008 (Wall Street Journal) & Top 25 agent at Nothnagle since 1998!

RE

AL ESTATE

CAL PRO LO

Property Source #R254190 8/24 Open Sunday

Samantha Sharkey

Jay Coddington

Deborah Vinci-Camp Lic Associate R.E. Broker

Jennifer LaRoche Lic R.E. Salesperson

339.3920

339.3923

339.3922

339.3926

Lic Associate R.E. Broker

Lic R.E. Salesperson

Mike Dornberger

Lic Associate R.E. Broker

339.3969

Danielle is one of New York State’s youngest real estate brokers!

from 1-3pm

Property Source #R254190

Property Source #R252343 8/24 Open Sunday

from 1-3pm

Property Source #R252343

Rochester $125,900

HARD TO FIND - 3BR, 2.5BA Ranch has it all! Includes:3 flue chimney which incorporates WB FP's LR & bsmnt & gas grill in FR, ALL kit /lndry appl's,1st. flr lndry, Fin bsmnt w/ kitchenette, C/A, Hrdwds, Patio,Fresh paint+MORE 292-8500 PC42577

339-3966

Property Source #R248855

from 1-3pm

Property Source #R251709

Rochester $59,900

3BR,1.5BA Colonial/Located on a Quiet Street PRICED To SELL! Includes:Siding, Landscaping, fully fnced yrd,Gar,Porch, Appl's,2 addnl RMS in semi-fin attic,T/O thermopane wndws,Hrdwds, Natural woodwork, IMMED AVAILABILITY+MORE! 292-8500 PC40517

339-3966

Nothnagle.com/R254190

Property Source #R251709 8/24 Open Sunday

Property Source Price #R249243Slashed!

PRICE SLASHED! 3BR, 1.5BA Colonial. Has a lot of CHARACTER & CURB APPEAL! Includes: concrete driveway, 7 yr new(APX)roof, natural woodwork, crown moldings, gumwood doors, kitchen & lndry Appl's, freshly painted LR & DR 292-8500 PC78287

339-3966

Irondequoit $129,900

339-3966

Property Source #R252793

PRICE SLASHED! TWO-OWNER, 3BR, 1.5BA colonial. Situated on an Xtra deep, fully fncd yrd w/2 c gar, Includes: 9' ceil'gs, Encl Frt porch & Cer foyer, Frml DR, WB FP LR, MOST tilt-out thermopane wndws, 2 built in LR cabinets,+MORE 292-8500 PC21837

339-3966

Property Source #R249606

Nothnagle.com/R252446 Property Source Price #R250262Slashed!

Property Source #R250262

Irondequoit $129,900

3BR, 2.5BA, Ranch was Builder's Home! Brick front w/side-load gar.

Slate open porch & entry foyer, hrdwds, WBFPs in den & LR, full/ walkout bsmt w/HUMUNGOUS rec rm & full BA. New kit countertop & sink. EXECUTIVE QUALITY! 292-8500 PC45187

339-3966

Nothnagle.com/R248855

Rochester $41,900

Nothnagle.com/R251709

Property Source #R249243

CLASSIC 3BR,1.5BA Center Entrance Col Situated on a scenic wooded lot w/ a MILLION DOLLAR VIEW! Hrdwds, Remodeled kit, Encl cer foyer, LR w/WB FP, Appl's, Fin bsmt, thermo windows, C/A, Rear screened porch + MORE! 292-8500 PC30467

from 1-3pm

Property Source #R252446

Rochester $44,900

Nothnagle.com/R252343

Property Source #R252446 8/24 Open Sunday

Gates $104,900

BRICK RANCH-ALL 4 SIDES! 2BR ranch could easily turn into a 3BR, OR leave it as a handy den/office/formal DR off the LR. Fin bsmt, newer furnace, 2c att gar, C/A, fenced yard, glass block bsmt windows. 292-8500 PC56287

339-3966

Nothnagle.com/R249243 Property Source #R238638

Nothnagle.com/R249606 Property Source Price #R254654Slashed!

Irondequoit $99,900

3BR, 1.5BA Ranch - IMPECCABLE! Custom built for the original owner! Includes: Hrdwds,Cer tile in kit & BA, Kit appl's & Dryer, FULL FIN W/O BSMNT w/2nd.Kit & Appl's, patio, Orig roof was torn off, Att gar +MORE! 292-8500 PC48157

339-3966

Nothnagle.com/R250262 Property Source #R253971

Property Source #R254654

Irondequoit $99,900

3BR, 2BA Colonial Situated on a parklike Dble sized lot!

Includes:Siding, T/O thermo wndws, Kit & Lndry Appl's, 4yr new T/O-off roof, 9yr new furn&C/A, fin encl side porch, 2 c Gar, Needs updating! 292-8500 PC44497

339-3966

Rochester $94,900 3BR,1.5BA cape cod/Outstanding Value! In CHARLOTTE! Includes:10 yr new roof &siding,3 replacemt pict wndws, 6yr new C/A, 6yr new HE Furn,& HW tank, kit appl's, Hrdwds under W/W carpet, & SOLID 1950's style construction! 292-8500 PC50207

339-3966

Nothnagle.com/R252793 Property Source #R247400

Irondequoit $79,900

SPACIOUS & GRACIOUS - 1995 Built! 3BR, 1.5BA colonial w/professionally fin basement, fully fncd yrd, 2 yr NEW roof, vinyl siding, shed, appliances, C/A, Anderson windows, 200 amp. electric service, & PRICED TO MOVE! 292-8500 PC74497

339-3966

Nothnagle.com/R247400

Property Source #R254290 2 FAMILY!

Property Source #R252674

Property Source #R254290

Greece $71,900

IT'S ALL HERE! 4 BR Colonial! Offers: Vinyl ext, fully fncd yrd, AG pool, T/O thermopane windows, Gumwood trim, Encl front porch, HE furn, Remodeled kit w/Appl's,Remodeled cer BA+MORE! ABSOLUTE MOVE-IN CONDITION.292-8500 PC00487

339-3966

Property Source #R247139

339-3966

Rochester $69,900

GIGANTIC, 6/6, Boston style Double Situated on a fully fncd, park like yrd. Includes:siding,patio,sep util & several porches +off St.parking.Rent on lower unit $750+&upper unit empty for a smooth sales transaction.292-8500 PC42887

339-3966

Nothnagle.com/R252674 Property Source #R247139 2 FAMILY!

Nothnagle.com/R252717

339-3966

Rochester $49,900

6/6 Side by Side Double So big it has 2 addresses! 363 Arnett Blvd & 288 Rugby Rd! Includes: separate entries & porches, some natural woodwork & stained glass, off Street parking & NEW C of O underway! 292-8500 PC 68167

339-3966

Nothnagle.com/R247139

Gates $82,900

Expanded 4BR, 2BA Cape - VALUE PACKED! Includes: 5yr new roof, 7yr new furn & HW heater,shed, swing set, nice side yrd, fin bsmnt,lg W/I attics & closets in each of the upper BR's, new carpet 2nd Flr, fresh paint Int+MORE 292-8500 PC41627

339-3966

Nothnagle.com/R253971

Nothnagle.com/R254654

Property Source PRICE #R252674SLASHED!

Property Source #R252717

3BR Cape Cod Has:Siding,T/O thermo wndws,C/A,Part fin bsmnt,Det gar, Furn'01,New carpet on 1st. flr, Fresh Int paint & Kit Appl's,+MORE! PRICED TO SELL so you don't need to bring Mommy & Daddy! 292- 8500 PC31237

YOU ARE ABSOLUTLEY, POSITIVELY.. GOING TO FALL IN LOVE WITH THIS HOME! 3BR ranch on a fully fncd,.41 ac, park like setting! Includes:siding, knotty pine breezeway,new Anderson egress windows,remodeled Kit & BA +MORE 292-8500 PC45287

Nothnagle.com/R238638

Property Source PRICE #R252717SLASHED!

Greece $59,900

Irondequoit $89,900

Property Source #R252378

Rochester $64,900

WELCOME U of R COUNTRY 3BR, 1.5BA colonial has vinyl siding, fenced yard, 2 c gar(needs a little work), deck, 1 yr new roof, gumwood, DRAMATIC expanded LR, kit& laundry appliances, & part fin attic/ 4th BR 292-8500 PC73527

339-3966

Nothnagle.com/R254290 Property Source #R246852

Nothnagle.com/R252378 Property Source #R251718

Rochester $49,900

4BR, 2BA Colonial OUTSTANDING VALUE IN THE MAPLEWOOD NEIGHBORHOOD! Includes: siding, newer roof, appliances, part fenced yard, encl front porch, 2 car det gar, ceiling fans in most rooms, 9' ceilings 292-8500 PC57867

339-3966

Nothnagle.com/R246852

Rochester $34,900 THERE IS NO SUBSTITUTE FOR SIZE! GIGANTIC, 4BR Colonial, 1,772sf w/Vinyl siding! Includes:T/O thermo windows(95%),7 yr(APX) T/O roof,Cer BA+MORE! Needs minor Int & ext work,Cash or strong conventional financing only 292-8500 PC79027

339-3966

Nothnagle.com/R251718

Bryan M. Patane (585) 545-8699 Fully Insured • Free Estimates • Evening & Weekend Service

40 gallon A.O. Smith water heater installed for as low as

$595!

www.bpplumbing.biz