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QC04202017

10 THE QUEENS COURIER • APRIL 20, 2017 FOR BREAKING NEWS VISIT WWW.QNS.COM ������������������������������������������������������1 4.250% 4.318% APR One of the best rates in town!2 Closing Costs Discounts Available3���������������������������������������������������� First Time Homebuyer Loans • FHA4 • Low Down Payments Contact Amy DeLeon to learn more: (516) 500-6641 • [email protected] • NMLS #7982 1 Rate information as of 04/10/17. The payment on a $200,000 30-year Conforming Fixed Rate Loan at 4.250% and 80% loan-to-value (LTV) is $983.88 with zero points due at closing. The estimated Annual Percentage Rate (APR) is 4.318%. Payment does not ���������������������������������������������������������������������������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������������������������������������������������������������������� Some state and county maximum loan amount restrictions may apply. Actual payments will vary based on your individual circumstances and current rates. Based on the purchase/ ������������������������������������������������������������������������������������������������������������������������������������������������������������������������������ paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score of 700 or greater, and an escrow account is used for the payment of taxes and insurance. The lock period for your rate is 60 days. All loans are subject to credit approval. Product availability and offers are subject to change. Not all products are available in all states. Mortgages are originated through ������������������������������������������������������������������������������������������������������������������������������������������������������ Commercial Bank. 2According to ICON rate analysis. 3Certain conditions apply. Speak with your Mortgage Consultant for details. 4NYCB is not acting on behalf of or at the direction of HUD/FHA or the Federal government. The bank is not responsible for typographical errors. Offer may be withdrawn at the discretion of the bank at any time. ©2017 New York Community Bank Save today for the little things that matter tomorrow! Chairman’s Special Rates!!! 18 MONTH CD 1.45% Annual Percentage Yield1 36 MONTH CD 2.00% Annual Percentage Yield1 7 MONTH CD 1.10% Annual Percentage Yield1 30 MONTH CD 1.85% Annual Percentage Yield1 22 MONTH CD 1.70% Annual Percentage Yield1 60 MONTH CD 2.20% Annual Percentage Yield1 Premier Money Market Rates 0.35% APY2 Balance Required to Earn APY $10,000 to $24,999 0.55% APY2 Balance Required to Earn APY $25,000 to $49,999 Member FDIC 0.65% APY2 Balance Required to Earn APY $50,000 to $149,999 1.10% APY2 Balance Required to Earn APY $150,000 & above Can’t visit a branch? Open an Account Online3 at myfcsb.com Whitestone 1919 Francis Lewis Blvd. (718) 352-7100 Astoria 35-01 30th Avenue (718) 204-7444 Ridgewood 58-02 Myrtle Avenue (718) 366-8008 Bayside 42-12 Bell Blvd. (718) 225-2650 Glen Cove 70 Glen Street (516) 609-3600 Flushing 72-76 Main Street (718) 261-6360 Ditmars 37-28 Ditmars Blvd. (718) 932-6484 Forest Hills 71-66 Austin Street (718) 261-5095 1Certificate of Deposit: New Money Only. The Annual Percentage Yields (APY’s) are effective as of 04/18/2017 and subject to change at any time. To earn the APY, the account must be opened with and maintain a minimum balance of $500. Stated APY assumes principal and interest remain on deposit for the term of the CD. Early withdrawal penalties may apply. Fees may reduce earnings. Terms and conditions apply. No brokered deposits accepted. 2Premier Money Market: New Money Only. The minimum balance required to open and obtain the advertised Annual Percentage Yield (APY) for our tiered rate Premier Money Market Account is $10,000 for an APY of .35%. To obtain the higher APYs, the minimum daily balance must be $25,000 for an APY of .55%; $50,000 for an APY of 0.65%; and $150,000 for an APY of 1.10%. Daily balances below $10,000 earn no interest and a $10 Monthly Service Fee will apply for Consumer Premier Money Market Accounts. Daily balances below $10,000 earn no interest and a $15 Monthly Service Fee will apply for Business Premier Money Market Accounts. Fees may reduce the earnings. These variable tiered rates are effective as of 04/18/2017 and the rate on any tier may change after account opening. No brokered deposits accepted. 3 First Central Direct: Rates and minimum balances to open online accounts may differ from in–branch rates and opening balance requirements. Toll Free 1-866-400-3272 (FCSB) Dr. Marvin Grossman DDS 7601 Myrtle Ave, Glendale 11385 CALL 718-821-9464 For Appointments For All Your Dental Needs INDIVIDUALIZED DENTAL CARE FROM A KNOWLEDGEABLE, EXPERIENCED CARING DENTIST WITH EXCEPTIONAL SKILLS AND A GENTLE TOUCH! EXPERIENCE COUNTS! • Friendly Doctor & Staff who will listen to your concerns and clearly explain your treatment options • Efficient office with highest standards of cleanliness • Handicapped accessible NEW PATIENT SPECIAL! Adult Cleaning, Exam & 4 Bite X-Rays Care Credit and Financing Available ONLY $195 7601 Myrtle Ave, Glendale 11385 CALL 718-821-9464 For Appointments


QC04202017
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