HOME OWNERS by jennyyingdi


									4 4   INDEPENDENT, SEPTEMBER 9, 1999

  PURCHASE • REFINANCE • SECOND MORTGAGES                                                           THE MARKETPLACE              • Real Estate • Business • Auto • Classified •

                  1st 2nd MORTGAGE CO. OF N.J. INC.
                        DIRECT LENDER                                               Est. 1982
                                                                                                   James Yarosh Fine Ant, design
       FHLMC, FNMA, FHA                               Credit Problems - OK
                                                                                                   group to share Holmdel location
                                                                                                        Two respected Holmdel firms will be                                     decorates a room," he said. "A beautiful
       No Point Programs                              100% & 125% Financing                        moving to share a larger, newly redesigned                                    work of art that shows an artist's talents and
       No Income Programs                             Home Improvement Loans                       building a few doors down — James Yarosh                                     love of painting can make a home truly spe-
       No Closing Cost Loans                          Debt Consolidation                           Associates Fine Art and Design; and Sara                                     cial, and that's what I encourage."
                                                                                                   Malaga, president of SRM Design Group                                             An award-winning artist himself, Yarosh
      WE ORIGINATE, CLOSE AND SERVICE MORE LOANS                                                   Ltd., whose home for the past several years
                                                                                                   has been the Old Church at Main Street and
                                                                                                                                                                                managed art galleries in New Jersey and
                                                                                                                                                                                New York City prior to opening his own
            Approved Fannie Mae - Freddie Mac                                                      Holmdel Road. They will now share space in                                   gallery, and has an extensive background in
        Automated underwriter - Approvals in minutes                                               the former Weichert Building at 55 E. Main                                   interior design.
                                                                                                   St., which was purchased by Malaga. A                                             Malaga, proprietor of the new building, is
                                                                                                   major revamping of the exterior and interior                                 an allied member of ASID, and has been in
      Free                     1-800-487-9687                                                      of the building has begun; the move-in was
                                                                                                   scheduled for August.
                                                                                                                                                                                the business of designing custom interiors
                                                                                                                                                                                for more than 15 years. Architects, builders
                                 1-800-LOANHOME                                       Phone             Turning a Colonial building into a design
                                                                                                   showroom and functioning art gallery has
                                                                                                                                                                                and developers call on Malaga to work with
                                                                                                                                                                                homeowners on turn-key projects.
     50 Spring St.            39 Village Ct.     New City, NY    Garden City, NY   Kissimmee, FL
                                                                                                   generated a great deal of creative energy for                                     "I am usually consulted at the precon-
  Cresskill, NJ 07626        Hazlet, NJ 07730     800-              800-              407-         Yarosh and Malaga. "Bringing our expertise                                   struction stage, when clients need to specify
        800-                    800-            723-0003          737-9088          932-1997
      562-6466                487-9687                                                             together to create this new space has allowed                                miliwork, cabinetry, fixtures and architectur-
                                                                                                   us to experience the benefits we provide our                                 al detailing," she said. "It is important to
                        Licensed Mortgage Banker N.J.and N.Y. Dept. of Banking                     clients in design projects," Yarosh said. "Our                               establish the character of the interior right
                                                                                                   collaboration has worked so well that it has                                 from the start, so as not to be disappointed
                                                                                                   opened our eyes to many new services that                                    with the results. Calling in a professional de-
                                                                                                   we can offer our clients together," he adds.                                 signer at the planning stage of a new home or
 •                         ATTENTION!!                                                             The success of the art gallery is due to the
                                                                                                   trust clients have in Yarosh as a respected
                                                                                                                                                                                remodeling project makes great sense, both
                                                                                                                                                                                aesthetically and economically," she added.

                                                                                                   dealer. Yarosh is already bringing in addi-
                                                                                                   tional art for the new location and is planning
                                                                                                   a calendar of events to include a major
                                                                                                   European collection and the annual
                                                                                                                                                                                     "Design is a discipline. It isn't just
                                                                                                                                                                                freeform creativity. Creating environments
                                                                                                                                                                                that are considerate of clients' welfare and
                                                                                                                                                                                concerns is part of the parcel of good design
                                                                                                   Bayshore Community Hospital benefit this                                     today. In short, the conscientious designer
  NOW YOU CAN HAVE THE TOTAL EXPOSURE OF BEING IN THE LOCAL "MULTIPLE                              fall.                                                                        has to look out for both the technical and aes-
  LISTING SYSTEM" AND STILL SAVE THOUSANDS IN COMMISSIONS.                                             Yarosh believes that his clients sense his                               thetic sides of design," said Malaga.
  * FORA SMALL FEE OF $395:                                                                                                                                                     Malaga's design work and articles have been
                                                                                                   commitment to his artists, and that generates
        -YOUR LISTING IS ENTERED INTO THE LOCAL MULTIPLE                                                                                                                        featured in prominent architectural maga-
                                                                                                   interest and excitement.
                                                                                                       "Most galleries trade in safe commercial,                                zines and she has been a recipient of numer-
        -WE PREPARE A COMPARATIVE MARKET ANALYSIS.                                                 formula work. Unfortunately, that merely                                     ous industry awards. Malaga has just com-
                                                                                                                                                                                pleted the Middletown Medical Center for
                                                                                                                                                                                Dr. Clemente with STL Enterprises and
  * A FEE OF $695 IS BILLED TO YOU AT CLOSING FOR:                                                                                                                              design is now under way for the Valentin's
        -ASSISTING YOU IN THE NEGOTIATIONS OF THE SALES CONTRACT                                                                                                                new home project on the Navesink with
        -MAKE SURE THAT BUYERS ARE PRE-APPROVED FOR A MORTGAGE.                                                                                                                 Gatto Design and Development.
        -OVERSEE THAT ALL CONTINGENCIES IN THE CONTRACT ARE MET.                                                                                                                    Malaga and Yarosh feel that they are cre-
        -GUIDE YOU IN ALL RELATED TASKS TILL CLOSING.                                                                                                                           ating a design and art energy source that will
                                                                                                                                                                                continue to evolve and generate projects for
                                                                                                                                                                                its collectors and high-profile clients. "It will
       SELECT                                    81 OAK HILL ROAD
                                                RED BANK, N.J. 07701
                                                                                                                                                                                be the kind of place where clients feel com-
                                                                                                                                                                                fortable just dropping in on a Saturday to see
                                                                                                                                                                                what's new, or taking advantage of appoint-
       SERVICES                       CALL 1-800-811-1915 NOW!                                           DIANE MCCARTY
                                                                                                                                                                                ment hours, which ensures personalized ser-
                                                                                                                                                                                vice in the gallery or in the person's home,"
                                                                                                     Inventory Low! Need a few good houses!
                                                                                                                                                                                Yarosh said. The new space will be a show-
                                                                                                                                                                                place for the talents of both Yarosh and
                                                                                                     If you're thinking of buying or selling                                    Malaga, in what promises to be the most
                                                                                                               Call Diane McCarty                                               sophisticated design showroom and. gallery
       No Cost Mortgages                                                                                   (732) 946-0729 Ext. 105
                                                                                                              «nail dmcpru@hotmail.com
                                                                                                                                                                                this side of New York City.
                                                                                                                                                                                    SRM Design Group is available by
                                                                                                       ( M | Prudential                                                         appointment at (732) 332-0851. James
      Purchase or Refinance                                                                                      (732) 946-78OO
                                                                                                          33 W. Main Street-Holmdel, NJ 07733
                                                                                                                                                                                Yarosh Associates is open to the public from
                                                                                                                                                                                noon to 4 p.m. on Saturdays, and all other
                                                                                                                                                                                times by appointment at (732) 332-0056.
      Consumers Mortgage Corporation
      Pays The Following: Title Search, Title Insurance Up to
      Mortgage Amount, $300 Toward Survey, Up to $500 Toward
                       Attorney, and more!                                                           ROYAL RATES
                                                                                                          30YEARFIXED7%                                                               SUSAN B.
                            (732) 576-8850                                                                   APR 7.49%                                                                GOLDBERG
              Conventional & Jumbo Loans, VA & FHA Purchases and                                    NO INCOME NO ASSET
                            Streamline Refinances, 203K Rehab Loan,
                                                                                                                                                                                  Broker/Sales Representative
                           3% Down-1st Time Homebuyer Programs,
                                                                                                         LOANS WITH                                                               Long time resident of Middletown
                                                                                                          10% DOWN                                                                Licensed Realtor for 23 years
                                10% Down-No PMI Mortgages!                                                                                                                        in Monmouth County
                                                                                                                 • LOWEST RATES/FEES
                                Office Hours: Saturday & Sunday: 10:00AM-2:00PM                           • FREE REFINANCING • FLOAT DOWN
                                                                                                              • FHA/VA LOANS SPECIALIST
                                                                                                                                                                                  Consistent member of the New Jersey MDC
                                k             Mon.-Thurs.: 9AM-7:30PM                                                                                                             CALL SUSAN TODAY WITH ANY QUESTIONS
                                                    Fri. 9AM-6PM                j
                                                                                                                           KASTLE                                           i     YOU MAY HAVE REGARDING REAL ESTATE!

                                      Home Page: http://www.NJMortgages.com
                                     280 Highway 35, Red Bank, New Jersey 07701
                                                                                                      77 West M a i n St., Freehold, N J 07728
                                                                                                    "WHERE BORROWERS ARE TREATED LIKE ROYALTY."
                                                                                                                                                                                    ichert              Middletown Office
                                                                                                                                                                                                      1008 State Highway 35
                                                                                                     Licensed Mfg. Banker N.J. Dept. Of Banking. Rates subject to change.
                                                                                                                                                                                                      Middletown, NJ 07748 j
                                    Licensed Mortgage Banker, New Jersey Department of Banking

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