OPEN HOUSE SUNDAY JULY 20th 1-3 PM, 252 Livermore Ave,S.I. NY 10314

OPEN HOUSE/104 Everton Place, Staten Island NY 10312 /Sat 7-12-08, 1-4PM

Huguenot
End the race for space; this six room two bedroom 2 bath Townhouse has a finished basement plus finished family room & Garage. Located on a quiet dead end Street, no thru traffic here. Some features include, Central air, Pergo floors, Berber carpet, skylight in bathroom with roman tub. Accessible to stores, schools & Transit. Ample parking available nearby.  Low monthly fee includes snow removal.
Asking $369,900

OPEN HOUSE/104 Everton Place, cross St Rosedale Ave /Sat 7-12-08, 1-4PM

Spacious & Affordable Three Bedroom Townhouse with Garage

- 90 DEBORAH LOOP -
ANNADALE

Spacious Townhouse with Garage

- 104 EVERTON AVE -
HUGUENOT

Affordable Townhouse with Garage

Affordable Townhouse with Garage

- 290 ILYSSA WAY -
ARDEN HEIGHTS

New Listing/ Large mint Colonial in prime sought after Westerleigh, SI, NY

Truly a rare find, young mint spacious three bedroom Colonial for sale. Located in the heart of sought after prime Westerleigh, in Staten Island New York. Light, bright & airy, 9 ft. ceilings on 1^St level.  Features include: Oversized kitchen with 42"kitchen cabinets, Formal living room & dining room, gorgeous hardwood floors, 3 zone hot water heat, Pella windows, central air, bathrooms on every level, huge master bedroom suite with ¾ bath, lots of closet space. Include the beautiful full finished basement and the square footage increases to 2, 480 sq feet. Near all schools, stores & transportation. Hurry opportunity knocks, priced right. $599,900.

http://www.atrealestatespecialists.com

cmyrealtor@aol.com

Arlene Trunzo, BCPEP,CRS, GRI,SRES

917-359-1985

A.T. REAL ESTATE SPECIALISTS LLC

Do you have questions in regard to pre approval and mortgages?

Mortgage Information

Do you have questions in regard to pre approval and mortgages? A.T. REAL ESTATE SPECIALISTS can help by putting you in contact with professional licensed mortgage professionals. They will give you the current bank rates which change weekly. They will guide you and find for you the best loan product that fits your needs. These mortgage professionals will discuss with you the various financing options that may be available to you. They will be able to answer questions like these below:

What advantages does pre approval offer home buyers?
What costs are incurred in a typical closing?
What will my total closing cost fees be?
What payments are made at the time of a loan application?
What information is required with a mortgage application?
Can I apply for a VA loan?
Is there a cost to lock in the interest rate?

Below is a list of items that you will need to give to your lender in order for your loan to be processed. Each lender may require different information. This is the most common information that they request, when applying for your mortgage loan.

1. An original fully executed contract.
2. Your attorneys name address and phone and fax numbers.
3. Copies of the front and back of past canceled mortgage or rent checks fro the last 12 months.
4. A copy of the listing for the property.
5. Social security numbers for all borrowers.
6. Banking institutions: names, addresses and account numbers. Checking, savings, cd's, etc. Provide copies of the last three months statements for each.
7. Credit cards; names, account numbers and balances.
8. Copies of divorce decree or legal separation (If applicable.)
9. Name and address of employers for past 2 years.
10. Pay stubs covering the most recent 4 week period.
11. Your present mortgage company's name, address and account number.
12. Name, address and account numbers of institutions holding any or all loans. Include loan balance and monthly payment.
13. W-2 forms for the last 2 years for all borrowers.
14. Last two years tax returns (personal and corporate) if self employed or have income other than salary (commissions, large bonuses, etc.) Plus year to date profit and loss for business.
15. Check for application fee. (If applicable.)
16. Relocation policy (if applicable.)
17. Copy of deed for refinance only.
18. If VA loan you need original certificate of eligibility. (DD-214)
19. If F.H.A loan you need copies of social security cards, copy of photo ID.
20. Copy of green Card if not a U.S. citizen.
21. Front and back of cancelled down payment check.
22. Your home, office and cell phone numbers.
23. Your assets such as stocks and bonds, mutual funds, life insurance include current cash value.
Vehicles, year, model, make and value.
24. Other income from Rentals, alimony or child support, income from notes held. Retirement and social security and disability.

Arlene Trunzo, Licensed Real Estate Broker
A.T. Real Estate Specialists
Staten Island, NY Realtor
cmyrealtor@aol.com
718-317-0949 (Office)
917-359-1985 (Cell)

Business Leaders Toastmasters has the only web site among the seven Toastmasters clubs

 Business Leaders Toastmasters has the only web site among the seven Toastmasters clubs on Staten Island! And why is that?  It takes a lot of time to manage a web site and most people don't have the amount of free time needed to pursue this endeavor.  Our club's webmaster, Arlene Trunzo is an exceptional business woman who makes the time! 

    How does she do it?  She has learned to budget her time among her Real Estate business, her family, including her grandchildren (a grandson and baby twins,) and her web site.  What time she has left over goes to support her community activities.  

    At Business Leaders Toastmasters, we members appreciate Arlene for sharing her business sense with us, for bringing her expertise to the table when she makes presentations and when she offers to lead our club as a club officer.

    Beginning July 1, 2008, Arlene will again head our club as President and will lead us with the same caring, level hand she has before. 

Arlene would like to thank  Bekim Sejdic the webmaster of American Towns who has been very helpful, kind and patient. According to Arlene Bekim is always there to lend a hand and answer any questions that arise. He is professional and nice to work with. From the first day we spoke I knew I was speaking to a hard working professional caring person who strives for customer satisfaction. 

    This year, we will try to add at least ten new members to our club's roster. Will you be one of them? All you have to do is attend a meeting (on the second Tuesday of each month) at 7 PM at 43 Ramona Avenue off Albee Avenue 10312 or attend a meeting on the third Tuesday of each month at 5 PM at the Visiting Nurse Services office at 1150 South Avenue (third floor conference room)

 At these meetings you will learn how to overcome your fear of public speaking, prepare for job interviews and taking on leadership responsibilities in the workplace or community. 

    For further information, you may contact Arlene Trunzo at 718-317-0949 or cmyrealtor@aol.com   or contact club VP Membership, Area 41 Governor  Fran Okeson at 718-984-1339 or okiedokie@si.rr.com.  

Have a good day and continue to "Share the Light"  
Fran Okeson, Distinguished Toastmaster   (DTM 12, PDG)
Area 91 Governor 2007-2008
Speech Coach and Trainer
(H) (718) 984-1339   (E) OkieDokie@si.rr.com
"Together We Can" District Them

2008 ACS Relay for Life a Success / A Special Thank You to My Team

Arlene Trunzo/Broker owner of A.T. REAL ESTATE SPECIALISTS would like to congratulate her team (Patricia's Pooh Bear Posse) for collecting $12, 000 for the American Cancer Society.  According to the Team captain Lisa Giuliano donations are still coming in.  This is the third year Arlene Trunzo has collected funds for this worthy cause, every year collecting more than the last. The event was held June 13^th at Wagner College 1 Campus Road.  Most of our fundraising is done online through the ACS website; we also reached out to Lisa's school PS  95 ( Gravesend Brooklyn) and the students, plus many individuals and businesses by word of mouth.

Price of Home Reduced in Port Richmond, Staten Island , NY 10302