Welcome to the Federal Home Loan Bank of New York #2nd #mortgage #lenders


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Most Viewed Products

NEW! 2015 Annual Report to Members

Throughout 2015, the Federal Home Loan Bank of New York demonstrated our ability to identify opportunities, overcome challenges and meet the needs of our members, resulting in another strong year for our cooperative. more

Our executive team was proud to host the NYU Federal Credit Union for a Member-Director Education Session. more

Program beneficial because pricing is the same as conventional conforming loans’ title=’Participating members originating loans in high-cost areas find the MPF Program beneficial because pricing is the same as conventional conforming loans’/>

Guidelines for Selling
High-Balance Mortgage Loans

Participating members originating loans in high-cost areas find the MPF Program beneficial because pricing is the same as conventional conforming loans. more

Our cooperative s strength enables us to provide quality credit products at flexible terms. more

As long as markets remain open, and a member has pledged sufficient qualifying collateral and is willing to purchase the requisite amount of capital stock, the FHLBNY will always continue to lend to our members to help you meet your community s needs . more

LATEST NEWS

September 6, 2016

A Wide Range of Products for Our Members. more

New York, NY The Federal Home Loan Bank of New York ( FHLBNY ) today released its unaudited financial highlights for the quarter ended June 30, 2016. more

Updates to the 2016 Fee Schedules. more

Throughout 2015, the Federal Home Loan Bank of New York demonstrated our ability to identify opportunities, overcome challenges and meet the needs of our members, resulting in another strong year for our cooperative. Our continued success stems from the strength, stability and sustainability of our franchise . more

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First Time
Borrower’s Guide

This guide will assist you through the process of requesting your first advance.
. Learn More

Publications

Member Advantage
Second Quarter 2016
Read this edition for the latest updates on our business and credit rating, the new Symmetrical Prepayment Advance (SPA) feature, and other FHLBNY news.

Maximize your Membership
As part of our commitment to your success, we offer strategic articles for beneficial insight and education.

General Terms and Conditions of Use | Privacy Policy | Forward-Looking Statements
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2016 Federal Home Loan Bank of New York. All rights reserved.


Coldwell Banker Prime Properties – New York Real Estate in Albany and Syracuse, NY #todays


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More than any other real estate company in New York, Coldwell Banker Prime Properties has made a commitment to ensure the success of our agents in their effort to match the right home, to the right buyer, for the right price.

Coldwell Banker Prime Properties – New York Real Estate in Albany and Syracuse, NY. Find homes for sale and real estate agents using our real estate search engine.

New York real estate agency servicing Albany. Aplaus, Altamont. Amsterdam, Averill Park, Ballston Lake, Ballston Spa. Berlin, Berne, Bethlehem, Bolton Landing, Brainard, Burnt Hills, Buskirk, Castelton, Clifton Park. Coeymans, Cohoes, Colonie, Corinth, Delanson, Delmar. Duanesburg, East Berne, East Greenbush. East Schodack, Feura Bush, Galway, Gansevoort, Glenmont, Glens Falls. Glenville. Guilderland. Hadley, Hoosick Falls, Johnsonville, Kinderhook, Knox, Lake George, Latham. Loudonville. Mechanicville, Nassau, Niskayuna. Queensbury. Ravena, Rensselaer, Rotterdam, Round Lake, Saratoga Springs. Schaghticoke, Schenectady. Schodack, Schuylerville, Scotia. Selkirk, Slingerlands, South Glens Falls, Stillwater, Troy. Voorheesville, Waterford, Watervliet, Westerlo, Wilton. Wynantskill, Syracuse. Fayetteville. Liverpool. Clay. Camillus. Cicero. Oswego. Rome. North Syracuse, Oneida. Onondaga Hill. Salina. New Hartford NY and other areas of New York with real estate and homes for sale.

Data provided by Capital Region Multiple Listing Service, Inc. (CRMLS)

Data provided by Central New York Information Service, Inc. (CNYIS)

Data provided by Mohawk Valley Association of REALTORS® (pka GURBR)

Some of the listing information contained herein has been provided by WCARMLS.

Data provided by Columbia Greene Northern Dutchess MLS Inc.

All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither broker(s), agent(s) nor WhereToLive.com, Inc. shall be responsible for any typographical errors, misinformation or misprints, and shall be held totally harmless.


Best New York Mortgage Rates – New York Mortgage Loans – Mortgage 101 #how #to


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New York Mortgage Rates

About Mortgage Rates in New York

Home buyers all over New York, from Manhattan to Rochester, are searching for the best deal on a mortgage rate. In recent years, New York s real estate market has become saturated with over 7 million housing units that are 53% owner occupied. Prices have come down from historic peaks. Competing banks and endless borrowing opportunities greatly benefit buyers searching for an ideal mortgage package featuring: the lowest interest rate, lowest payment, lowest interest expenses, or lowest closing costs.

We are confident in our access to New York s best mortgage deals and tools to secure packages for all cases such as new home buyers, refinancing or a second mortgage. Allow Mortgage 101 to help you today.

Mortgage Refinancing in New York

In some instances, refinancing your current mortgage loan can help you lower your mortgage payment. Borrowers can borrow against the equity built up in their home at a lower cost than they can from other sources. Like most mortgage interest, another benefit to mortgage refinancing is that if you pay off credit cards, the interest you pay will now be tax deductible.

The 5/5 5/1 Adjustable Rate Mortgage

This mortgage type offers a stable payment and interest rate for the first five years. In the sixth year the interest rates, and therefore the payments, are adjusted every five years for the 5/5 arm and every year for the 5/1 arm.
Fixed Rate Mortgage

Fixed Rate Mortgages in New York

This is your parent’s mortgage loan. The mortgage interest rate will remain the same on these mortgages throughout the term of the mortgage for the original borrower.

Other Mortgage Terms

Origination Fee – The fee charged by a lender to prepare loan documents make credit checks inspect and sometimes appraise a property; usually computed as a percentage of the face value of the loan.

Closing Costs – Expenses over and above the price of the property that are incurred by buyers and sellers when transferring ownership of a property. Closing costs normally include an origination fee property taxes charges for title insurance and escrow costs appraisal fees etc. Closing costs will vary according to the area country and the lenders used.


Best New York Mortgage Rates – New York Mortgage Loans – Mortgage 101 #self #employed


#ny mortgage rates

#

New York Mortgage Rates

About Mortgage Rates in New York

Home buyers all over New York, from Manhattan to Rochester, are searching for the best deal on a mortgage rate. In recent years, New York s real estate market has become saturated with over 7 million housing units that are 53% owner occupied. Prices have come down from historic peaks. Competing banks and endless borrowing opportunities greatly benefit buyers searching for an ideal mortgage package featuring: the lowest interest rate, lowest payment, lowest interest expenses, or lowest closing costs.

We are confident in our access to New York s best mortgage deals and tools to secure packages for all cases such as new home buyers, refinancing or a second mortgage. Allow Mortgage 101 to help you today.

Mortgage Refinancing in New York

In some instances, refinancing your current mortgage loan can help you lower your mortgage payment. Borrowers can borrow against the equity built up in their home at a lower cost than they can from other sources. Like most mortgage interest, another benefit to mortgage refinancing is that if you pay off credit cards, the interest you pay will now be tax deductible.

The 5/5 5/1 Adjustable Rate Mortgage

This mortgage type offers a stable payment and interest rate for the first five years. In the sixth year the interest rates, and therefore the payments, are adjusted every five years for the 5/5 arm and every year for the 5/1 arm.
Fixed Rate Mortgage

Fixed Rate Mortgages in New York

This is your parent’s mortgage loan. The mortgage interest rate will remain the same on these mortgages throughout the term of the mortgage for the original borrower.

Other Mortgage Terms

Origination Fee – The fee charged by a lender to prepare loan documents make credit checks inspect and sometimes appraise a property; usually computed as a percentage of the face value of the loan.

Closing Costs – Expenses over and above the price of the property that are incurred by buyers and sellers when transferring ownership of a property. Closing costs normally include an origination fee property taxes charges for title insurance and escrow costs appraisal fees etc. Closing costs will vary according to the area country and the lenders used.


Homeowners Insurance in Mamaroneck, Westchester County, New York #homeowners #insurance #new #york


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Homeowners Insurance – Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey

It took years and a lot of hard work for you to buy and set up your home. It’s where your family nests, where most of your possessions are, and where your memories take place. You take special care of your home, including wanting to find the best insurance protection available to safeguard you and your family against property damage and liability exposures. This is why at AJ Benet we recommend protecting your assets with Homeowners Insurance .

Whether your house is a contemporary ranch in New Rochelle, an all-brick Georgian Colonial in Scarsdale, or shingle home in Greenwich, CT, A.J. Benet has a team of experienced insurance professionals specializing in insuring all types of homes including luxury properties and houses. Our policies can cover the basics, with property and liability coverage for damaging events, such as windstorm, fire, theft, vandalism or injury, or they can be tailored to take into account high-end collections, such as art, silver, wine, jewelry and more. If your risks of injury to visitors are increased because of a pool, trampoline, or a certain breed of dog, we can find a policy for you.

We can also enhance your protection with flood insurance. earthquake insurance or umbrella insurance. which extends the coverage limits of your underlying homeowners and auto policies. Our homeowners policy can cover legal defense if you or your family should be brought into a lawsuit alleging that you’re responsible for injuries or property damage to others, and we offer enhancements suited to homes that employ domestic help or have special insurance needs.

What’s more, when you meet with us, one of our professional advisors will conduct a thorough fact-finding, including inspecting your property, to provide you with a detailed insurance presentation that’s based on your input, our discussions and evaluation. Our goal is to help you get the right amount of coverage for your property. Contact us today for Homeowners Insurance in New York.

Home is where your heart and hard work is.

We invite you to give us a call at your convenience at (888) 639-4560. or if you prefer email us or return the form on this page.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.


Best Moving company in Madison, WI – Last Updated August 2017 #yelp,recommendation,san #francisco, #bay #area,


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Best moving company in Madison, WI

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Neighborhoods

Madison, WI

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Cities

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  • Zion, IL

Distance

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Price

Features

General Features

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Category

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Moishe s Self Storage – Mini storage in New York, Brooklyn, Queens #self #storage #new


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MOISHE’S Self STORAGE NEW YORK

New York Storage Solutions

Do you need extra space for seasonal items and keepsakes? Perhaps you are downsizing, organizing your home, reducing clutter in your office, or you just need a temporary place to store important belongings. Find the right self-mini-storage rooms that suits you. If you are moving and need a temporary or long-term solution for your belongings during your move, we have a solution for that too!

Moishe’s Self Storage, the industry leader for over 30 years, provides secure and convenient options for furniture storage, commercial storage, and residential storage. Moishe’s Self Storage has the most affordable storage prices in the industry today. Our large, modern facilities offer plenty of choices for storage and are accessible 24-7 if needed.

We offer a range of units at our various self-storage locations, from 5 X 5 ; 5 X 7 ; 5 X 10 ; 6 X 10 ; 8 x 10 ; 10 X 10 ; 10 X 12 ; 10 X 15 up to 10 x 20.

This handy tool will help you to determine the right size storage unit for your needs: STORAGE ESTIMATOR . Make sure you can fit all of your belongings in a unit that is not too big – you don’t want to pay for space you don’t need.

Moishe’s smaller cheap storage units are great for boxes and smaller items, such as folding furniture, book-cases, strollers, and tool chests. The 10′ X 10′ units are large enough to store the contents of a one bedroom condo/apartment, including major appliances. Before you decide on a storage rental, use Moishe’s free storage unit size estimator. It will easily show the best fit for your furniture and boxes, whether you have an apartment, office, or house. A 10’ X 20′ unit is large enough to store the contents of a three- to four-bedroom house.

Remember, all of our units are clean, climate-controlled, and guarded with top security features to protect your possessions.

Self-Storage Locations with Public Access Near Me

We bring Manhattan storage to your door: Don’t rent trucks. Save Time Money!


Binghamton Lawyer – Personal Injury Lawyer – Car Accident Attorney – Wrongful Death, wrongful death


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Tom has won millions of dollars in settlements and verdicts for his clients.

We Guarantee you pay No Fee

You don’t pay us any money up front when we take on your claim, and you won’t owe us attorney’s fees unless you receive compensation.

Compassionate & Reliable

You can rely on Binghamton Personal Injury Lawyer Tom Schimmerling to walk you through the legal system and make sure your best interests are represented.

Featured Practice Areas

Vehicle Accidents

If you or a loved one were injured in a New York or Pennsylvania car accident, you need a lawyer as soon as possible.

Fall Injuries

We work to ensure that the guilty party is held responsible for the results of an accident, so you cand focus on rehabilitation.

Medical Malpractice

Schimmerling Law Offices is committed to recovering for victims of medical negligence the compensation they deserve.

Wrongful Death

Our firm has helped our clients recover millions of dollars in damages for the pain and suffering incurred as a result of wrongful death.

Birth Injuries

If you feel your child suffers from an injury or birth defect due to medical negligence or mistakes made in the delivery room, contact us.

Nursing Home Neglect

Schimmerling Law Offices believes that nursing home residents have the right to be treated with respect at all times.

Legal News

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Without Safety Training, Deadly Construction Accidents Far More Likely

A recent study of New York construction accidents links more than two-thirds of worker deaths on construction sites to employers that did not participate .

Wrongful death lawyer new york

Canine Car Accident Survivor Showered with Love, and Donations

When the lives of a young couple were cut tragically short last month near Colesville, they left an unlikely survivor. Their lovable pooch Sawyer .

Client Accolades

Wrongful death lawyer new york

The Schimmerling Injury Law firm was founded and is led by experienced personal injury attorney Thomas Schimmerling. The firm enjoys a strong reputation amongst lawyers in Broome County where it serves its clients with 3 centrally located offices in Binghamton NY, Endicott NY and Delhi NY. The firm is one of the most technologically advanced law firms and prides itself on constantly improving the client experience. The Schimmerling Injury Law Firm represents clients in a variety of personal injury cases including auto accidents, motorcycle accidents, wrongful death, slip and fall accidents and more.

Practice Areas

3 Convenient Locations

Schimmerling Injury Law – Binghamton Office


Medical Billing Clerk Salaries by education, experience, location and more #medical #billing #and #coding #schools


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Medical Billing Clerk Salaries

Alternate Job Titles: Medical Biller, Medical Billing Clerk

  • What is the average annual salary for Medical Billing Clerk?

      How much does a Medical Billing Clerk make? The median annual Medical Billing Clerk salary is $36,255. as of June 28, 2017, with a range usually between $32,814 – $39,858. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Medical Billing Clerk in the United States.

      This chart describes the expected percentage of people who perform the job of Medical Billing Clerk in the United States that make less than that annual salary. For example the median expected annual pay for a typical Medical Billing Clerk in the United States is $36,255, so 50% of the people who perform the job of Medical Billing Clerk in the United States are expected to make less than $36,255.

      Source: HR Reported data as of June 28, 2017

      • About this chart

          This chart describes the expected percentage of people who perform the job of Medical Billing Clerk that make less than that salary. For example 50% of the people who perform the job of Medical Billing Clerk are expected to make less than the median.
          Source: HR Reported data as of July 2017

          Responsible for reviewing, researching, coding, and generating third party billing for a medical facility. Completes and verifies ICD-10 coding. Inputs and maintains all payment records in database or systems. Performs basic customer service for routine patient or other inquiries. Requires a high school diploma. Typically reports to a supervisor or manager. Possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. View full job description


      The Help Company #staffing #agency, #placement #agency, #nanny #agency, #corporate #staffing, #personal #assistant, #executive #assistant,


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      the help company

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      The Help Company listened and absorbed everything I said in the beginning and remembered it.

      K.S. Client, childcare San Francisco, CA

      Claudia and her staff are well-informed, caring, and discreet. We trust them absolutely and recommend them enthusiastically

      Margaret Forman Client, chef; estate management; nanny; eldercare; corporate placement Los Angeles, CA

      I felt like they worked every day to help me get my job with a smile on their face.

      Laura S. Executive Assistant Los Angeles, CA

      Hi Ladies, I just wanted to say thank you for being who you are and operating your business the way you do. You conduct thorough interviews and it feels like you really get a sense of the types of candidates you have, both personally and professionally. You don’t just dust over things and you don’t waste time focusing on irrelevant topics. You let your candidates speak, and you listen. Apart from the above, you are all kind, professional, positive and encouraging to your candidates. From my personal experience, you are an exceptionally rare in your industry! Keep it up!

      the help company gives back
      As of 2013, a portion of our profit will go to help fund the Kounkuey Design Initiative (KDI). KDI is a nonprofit organization committed to developing Productive Public Spaces in impoverished areas around the world that improve physical, social and economic quality of life.
      read more

      Spring Break is approaching, and although we are all looking forward to vacation and a little R R, we are certainly dreading the flight to our destination. One of Etihad Airways on-board nannies (they actually have those?!) gives her top 10 tips. Our personal favorite: Befriend your flight attendant as soon as you board. One of [ ]

      A study, published in the journal of personality and social psychology, helps to confirm that most people have a hard time properly (only about 50% of the time) interpreting the tone of an e-mail. There are a lot of ways that an email can be misinterpreted or misunderstood. To make up for the tone of [ ]

      Since you are off celebrating in Southeast Asia, we are sending our love from San Francisco, Los Angeles and New York! Here are a few words from us to you! NAOMI: There are so many ways to describe you, but on your birthday, the most fitting is a true professor of life. Happy birthday to [ ]