You are on page 1of 24




The Daily News

Thursday, April 25, 2013

Welcome to Georgetown
Founded as part of Rowley in 1639, Georgetown has long been proud to stand alone as an independent, self-sufficient town with a unique history. Early settlers found rich pasture land in the area of Penn Brook, near Elm Street and Union Cemetery. Homes and a village quickly sprang up along this corridor. It became known as the West Parish of Rowley, but by 1838, the village had created its own identity and was witnessing a population boom. Residents successfully petitioned to split off as a separate town. By then, industry was beginning to thrive in the once-agricultural town, with more than a dozen mills producing a variety of products. And, like other villages in the area, shoemaking became a lucrative trade that employed many people in several factories around town, as well as some who built small shoe shops in their yards. Georgetowns gradual growth saw another boom in the mid-1800s, when a rail line was laid through the town and Georgetown became a stop on the new mass-transit system. The old line has long since been abandoned, but its route can be seen clearly and is being considered as the path of a rail trail that will link Georgetown to Newburyport. Georgetown has long been proud of its independent nature. Its school system has remained independent, unlike other towns in the area; its historic downtown has steadily expanded over the years; and its social and service organizations continue to thrive. No wonder it is one of the fastest-growing towns in the region, according to the latest U.S. Census.

What to do
GEORGETOWN DAYS Sept. 27 to Sept. 29 This townwide fall festival and celebration packs a lot of activities into a weekend. Among the events is a farmers market, tours of Harmony Cemetery, an open house at the fire department, free admission to Brocklebank Museum, an arts and crafts fair with live music, a book sale at the library, a beer tasting and sidewalk sales. Each year special events are added to the schedule, which will be released during the summer. BLACK SWAN COUNTRY CLUB Located off Route 133, the country club includes a par 72, 18-hole golf course, a driving range, full service pro shop, a function hall and Keons restaurant and bar. The club has a limited number of membership slots, and it is also open to the

Please see WHAT TO DO, Page 6

File photo

OMNI Security Team

Residential & Commercial Security Fire & Access Systems and Video Surveillance Big enough to serve you - Small enough to know you


Put Your Trust in Our Family to Protect Your Family Family.

24/7 Alarm & Security Monitoring $18/mo Monitoring Fee Remote Access & Wireless Technology No Contract Required Fire, Smoke & Carbon Detection Medical Emergency Pendant Available with All Systems

The Daily News 4 Thursday, April 25, 2013

MA Lic. 444C

customer service. not lip service.

Experience a truly authentic brand of banking that is built on respect and top-notch banking products.

978.352.8600 |

georgetown | rowley | north andover

member fdic | equal housing lender

Thursday, April 25, 2013

The Daily News

Continued from Page 4 public on a fee basis for 9 or 18 holes. Fees range from $22 to $48, depending on day of the week and number of holes played. Reduced rates available for senior citizens and youths. Golf cart, pull cart and club rentals are also available SUMMER CONCERTS Every summer American Legion Park hums with free concerts at the Kiwanis Ice House Pavilion. A full schedule of events will be posted this summer. GEORGETOWN FISH AND GAME ASSOCIATION 11 Lake Avenue 978-352-9831 A private sportsmans club located on the shores of Pentucket Pond, founded in 1948. The club offers a variety of outdoor activities, including fishing, target practice, trap shooting, hunter education and gun safety instruction.

CAMP LESLIE, 4H CAMP 139 West Main St. 978-352-8060 A 4H residential and day camp for children ages 7-14, located on the shores of Pentucket Pond. The camp offers a variety of summertime programs. Rates vary, depending on length of stay and whether children choose the day program or the overnight stay in the camps rustic cabins. GEORGETOWN COUNTRY GARDENERS The club unites local gardeners in an effort to beautify the town and provide help to fellow organizations. For example, the club landscapes and maintains park flower beds, traffic islands and the Welcome to Georgetown sign, holds workshops on gardening and makes centerpieces for the Kiwanis Clubs annual dinner for senior citizens. The club meets the fourth Monday, September to June, at the First Congregational Church on Andover Street.

Fine Fudge Chocolates Coffee Ice Cream Penny Candy

1012 East Main St., Georgetown

Breakfast & Lunch Daily Blue Plate Specials

Pop A Balloon To See What You Pay!
Tues.-Sat. 6 A.M.-2 P.M. Sun. Hours are 6 A.M.-1 P.M. Breakfast Only Fri. Dinner Hours 5 P.M.-8:30 P.M. BYOB

Coming Soon
The Daily News 6

(formerly Meaders)

Go to to see our full menu

Thursday, April 25, 2013

GEORGETOWN PEABODY LIBRARY 2 Maple St. 978-352-5728 The towns library contains a large collection of books and periodicals, a childrens room and a variety of programs for youths and adults, as well as DVDs and museum passes. The librarys hours are as follows: Monday: 2-8 p.m. Tuesday: 10 a.m.-8 p.m. Wednesday: 2-8 p.m. Thursday: Closed Friday: 10 a.m.-5 p.m. Saturday: 9 a.m.-1 p.m. Sunday: Closed The library is closed Saturdays in July and August. KNIGHTS OF COLUMBUS The Frank Meader Council 6064 club belongs to the national Knights of Columbus Catholic fraternal organization. Its purpose is to support the Catholic church

and make the community a better place. Meetings are held monthly. People interested in becoming members should contact Tom Parisi at 978-352-8880. GEORGETOWN EDUCATION FOUNDATION The foundation is dedicated to providing expanded opportunities in science, technology and the arts to the students of Georgetown Public Schools. The foundation raises money through membership and a variety of events it holds throughout the year. For more information on membership, contact: WORKSHOP IN THE WOODS Held at Camp Denison 978-973-6553 Summer program for campers that offers a wide variety of activities, such as kayaking, visual arts, hiking, campfire circles, and journaling. Bus service offered from Newburyport, Newbury and Byfield.

eLaine M. DaLtOn
Wills, Trusts, Probate Veterans Benefits for Assisted Living Elder Law Medicaid Applications Pet Trusts

Law Office


Thursday, April 25, 2013 7 The Daily News

Council on Aging offers recreational, medical programs

The Georgetown Council on Aging holds programs and services in three locations:Town Hall, the First Congregational Church which is used for meals, programs, services and activities, and the Georgetown Housing Authority at the Trestle Way Community Building. Programs are also offered at the Perley and Penn Brook schools. Council on Aging 1 Library St. 978-352-5726 COA Hours: Monday through Thursday, 8 4 p.m. Director: Colleen Ranshaw-Fiorello Lunch: Served Monday through Wednesday, 11:15 a.m. at the Council on Aging meal site at First Congregational Church. Reservations are required three days in advance. Suggested donation, $2. Programs: S.H.I.N.E counseling, support groups, weekly grocery shopping, brown bag program,information and referral to food and fuel assistance resources with assistance in completing food stamp and fuel assistance applications Medical Services: blood pressure clinic, annual flu clinic, wellness education programs, monthly visiting nurse sessions, medical equipment lending program, medical transportation Classes and Clubs: yoga, strength training, walking program, mens breakfast series, crafts, card games, BINGO games, discussion groups, van outings, discussion groups, monthly birthday parties

Route 97 Liquors Under New Management

Full Service Liquor Store International & Domestic Wines Beer Cigarettes Mass Lottery Coming Soon

We strive for 100% customer satisfaction

Providing Quality Care with a Personal Touch

Dr. Laura Anne Potvin P.C. Optometrist

Dr. Laura A. Potvin Dr. Nyla Lambert Dr. Kathleen Horn Dr. Cathleen Doucette

Open 7 Days a week Store Hours: M-Sat 10am - 11pm Sun noon - 10pm

Dr. Judith Marracco


908 D Salem St. Groveland 978.372.0003

The Daily News 8 (Nicoles Plaza)

to our practice
291 Main St. | Groveland, MA 978.374.8991 Thursday, April 25, 2013

t ro In

sic and Danc u M ng Twinkle S e

i duc
For ages 2-5


Da nc
in this Bring receive d ad an ff order of 10% O or more. $10 /25/13
exp. 7

in Georgetown & Groveland

and select surrounding areas


908 Salem Street, Groveland, MA 01814 (978) 469-0060

Upscale Womens Clothing and Trendy Home Dcor

Neat Repeats

s oon Ball 9/dz 9 . $11

Party Supplies Decorations Gifts for all occasions

Trisha Conroy owner

908 Salem Street Groveland, MA 01834
(inside Nicoles Plaza)

Consignments by Appointment

Thursday, April 25, 2013 9

Tea Time w/teddy, Brick Building Class Walk-in Craft Classes Check our facebook page for schedule 908 Salem St., Groveland 978 241-4131
The Daily News

Party Venue and Craft Classes


Pentucket Workshop Preschool

Educating children for over 40 years

Accepting applications for September

161 West Main Street, Georgetown 978-352-2398
The Daily News 10


in the Scala Art Center 28 West Main St. Georgetown, MA 01833 OPEN Wed. Sat. 11 am to 5 pm 978 352 8614 w w w . L i s a S c a l a . c o m
Thursday, April 25, 2013

Kids programs at Library

The following programs are scheduled at the Georgetown Peabody Library this spring:

Story Times

BOUNCING BOOKS and BABIES Ages 10 months to 2 1/2 years Tuesdays, 10 to 10:30 a.m., through May 21 Program will include two to three books, songs, finger-plays, and circle games. GOSLING GATHERING Ages 2 to 3 years Tuesdays, 11 to 11:30 a.m. Through May 21 Three to four books will be read. Children and parents will also participate in songs, finger-plays, and a simple craft. FAMILY FUN All ages Fridays, 10:30 to 11 a.m. Through May 24

Three to four books will be read. Children and parents will also participate in songs, finger-plays, and a simple craft. PRESCHOOL STORYTIME Ages 4 to 6 years Through May 21 Mondays, 4 to 4:40 p.m. or Tuesdays 1:30 to 2:10 p.m. Program will include stories and a simple craft. Care givers attendance is optional. LEGOS @ THE LIBRARY Families of all ages are invited to participate in the library Lego Club. May 10, 3 to 4:30 p.m. The library will be supply a large amount of LEGOs and an idea of what to create. Participants can work together as a group or individually to design a masterpiece. The LEGOs stay in the library on display for a couple of weeks. Parents are required to stay in the building.


North Shores Physical Therapy Provider of Choice Since 1996


64 EAST MAIN STREET 978-352-5510

Visit us on-line at:
Thursday, April 25, 2013 The Daily News

Historical sites
BROCKLEBANK MUSEUM, GEORGETOWN HISTORICAL SOCIETY 108 East Main Street Open: every Sunday from 2 to 5 p.m., July through Columbus Day; $5 for adults/$3 for seniors and students The historical societys property contains several buildings, chief among them the Brocklebank-Nelson-Beecher house, believed to have been built in the late 1600s. The land on which the house stands was granted in 1661 to Samuel Brocklebank, a surveyor who had come from England to Rowley as a child in 1638. The house remained in the Brocklebank family until 1754, when it was acquired by Dudley Tyler for use as a tavern. The museum house contains numerous artifacts related to Georgetowns history, including the Haunted Meal Chest, which gained its unearthly reputation from its alleged ghostly movement whenever a servant girls dress brushed

against it. The phenomenon lasted only a few weeks but made a lasting impression on all who witnessed it. Visitors can look down through a viewing panel to the cellar where a secret slave hole was built during the days of the Underground Railroad. This room is believed to have been constructed by the Rev. Charles Beecher who was a fervent abolitionist. Also on display is an original slave collar similar to those worn by captured runaway slaves.

Please see HISTORICAL SITES, Page 14

We started in Georgetown 33 years ago

Breakfast & Lunch

served daily Mon. Fri. 5am2pm Sat. & Sun. 5am12pm

Gold Rush Jewelers

Repairs Custom Designs Appraisals
174 Newburyport Turnpike Rowley, MA

978-352-6171 10 North Street, Georgetown

The Daily News 12
Thursday, April 25, 2013



Grades 3-8 - Six One-Week Sessions Animation, Engineering, Movie Making Web and Game Design, Robotics, Swimming and Outdoor Activities

Thursday, April 25, 2013


The Daily News

Continued from Page 12 GOODRICH MASSACRE SITE On Oct. 23, 1692, the only Indian raid in what is now Georgetown occurred. Benjamin Goodrich, his wife and two daughters were killed, and a third daughter was taken captive. A sign marks the site. ERIE 4 ENGINE Erie 4 fire company, formed in 1854, claims to be the oldest private fire brigade in the nation. Its name derives from its pump engine, a used Hunneman Hand Tub that was purchased by the men of the company. The name Erie No. 3 was painted on the hand tub, and it was decided to adopt the name, and as Erie was the fourth owner, to call both the hand tub and the association the Erie No. 4.

The hand tub is on display next to the fire station, in a building with a large glass wall that allows the engine to be viewed at all times of the day and night. Erie 4 is a privately owned, nonprofit corporation and serves Georgetown as one of its two fire engine companies. Its upstairs hall is available for rentals.


Fabri & Rourke

R Insurance Agency

Were With You

With comprehensive insurance protection from a trusted team of professionals, it feels good to know youre never alone. Trust our experience, financial strength and proven commitment to our policy holders for the quality coverage and the peace of mind you deserve.

Award winning food and service in a comfortable family atmosphere. Lunch Dinner Drinks OutDOOr PatiO Private Dining hOLiDay Parties

Keons Grille

Call today for a free consultation and rate quote, and be sure to ask about our money-saving umbrella policies!
Business Auto Home Life

The charm of New England combined with the ambiance of a luxurious country club make your special day memorable.

Keons events




BirthDay Parties


Keons Grille & events @ BlacK swan country cluB | 258 Andover St, Georgetown | 978.352.2900

2 Central Street, 1st Floor Georgetown, MA 978.352.4990

14 Thursday, April 25, 2013

The Daily News

OLD NANCY A Revolutionary War cannon said to have been salvaged from the British brig Nancy, which was captured by the fledgling American Navy on Nov. 29, 1775, off Gloucester. The Nancys cargo, consisting of 2,000 muskets, 100,000 flints, 30,000 round shots, 30 tons of musket shot, and a 13-inch brass mortar was a huge boost to the American Army. The authenticity of the cannon has caused c o n t r ove r sy ove r the years, as Rowley claims to also possess the original Old Nancy cannon.

Plumbing and Heating Company

Stark & Cronk

Plumbing Heating Air Conditioning Well & Well Water Conditioning

Out e k Ta ilable Ava

42 Central St. (Rt 97)

Georgetown, MA
Thursday, April 25, 2013

Breakfast served all day

Open Daily 6am-9pm 7 Days

Proudly Serving Greater Georgetown for more than half a century

308 Main Street Groveland, MA 978-372-6981

15 The Daily News

Georgetowns Newest Arrival

Introducing Dr. Jane Kerr, Dr. Mary Chang and Dr. Christannah Waters of Womens Health Care who deliver expert Obstetrics and Gynecological care in our new Georgetown office.

Now welcoming new patients.

Georgetown Plaza, 66 East Main Street, Georgetown


Georgetown 66 East Main Street Haverhill 2 Water Street, Central Plaza Newburyport 21 Highland Avenue, Suite 25 978-556-0100 (for all locations)

The Daily News


Thursday, April 25, 2013

School Administration
Carol M. Jacobs, superintendent Office: 51 North St. 978-352-5777

Perley Elementary School

51 North St. Built 1900; rebuilt after 1935 fire; renovated 1997 Margaret Maher, principal 978-352-5780 Serves prekindergarten, kindergarten, and grade 1 Total enrollment: 317

Middle/Senior High School

Penn Brook School

68 Elm St. Built 1972; renovated 1998 Dr. Donna Tanner, principal 978-352-5785 Serves grades 2, 3, 4, 5 Total enrollment: 517

11 Winter St. Built 1961; renovated 1998 Peter Lucia, High School principal Maryellen Iannibelli, Middle School principal 978-352-5790 Serves grades 6, 7, 8, 9, 10, 11, 12 Total enrollment: 818

Come check us out today!

435 Andover St. Georgetown, MA

VFW 7608

Ingredients Supplies Classes

OPEN TO THE PUBLIC Function Hall Available
We are the post with the tank out front. Thursday, April 25, 2013 17

Post Bar & Grill

Everything you need for Beer, Wine, Cheese & Vinegar Making
861 Lafayette Road/Rte. 1 Hampton, NH 603-601-2548
The Daily News Conveniently located at:

AMERICAN LEGION PARK Prospect Street/Pentucket Avenue Open dawn to dusk American Legion Park is the towns waterfront recreation park, located about a quarter-mile from the center of town. It includes a wide variety of recreational opportunities: baseball field, tennis and basketball courts, playground, a freshwater beach and a pavilion where concerts are held in the summertime. The park also has restrooms and a food stand. CAMP DENISON 84 Nelson St. Open dawn to dusk The 36-acre camp, maintained through a partnership between the town and state, offers a wide variety of passive recreation, as well as camping. Day use includes trails, picnics, bird watching, horseshoes, shuffleboard, grill sites, a playground, pavilion, observation benches and a basketball court. Tent sites and a lodge are also available, at varying rates. The lodge can be rented for day use or night use at reasonable rates. CRANE POND WILDLIFE MANAGEMENT AREA Thurlow Street At 2,100 acres, the Crane Pond Wildlife Management Area is an enormous pristine area of woods, swamps, trails, old roads, stonewalls and varying terrain. Its not primarily intended as a park for humans, but the trail network is extensive. Wildlife is abundant, and evidence of beavers can be found throughout. Many areas of the trail network are flooded. The area, managed by the state, stretches along Georgetowns northern border with Groveland, West Newbury and Newbury. Maps are available online.


M-F: 10-7 | SAT: 9-5 | SUN: CLOSED

Raw Kibble Freeze-dried Canned

Enjoy the eclectic style of new, vintage and antique collectibles and gifts
1 West Main Street Georgetown, MA 978.352.3344

37 West Main street, suite #4 the eagle Building georgetoWn, Ma 01833

978.352.WOOF (9663)
The Daily News 18 Thursday, April 25, 2013

GEORGETOWN ROWLEY STATE FOREST Pingree Farm Road This 1,112-acre state forest is along both sides of Interstate 95. Parking is accessed by Pingree Farm Road off Route 97. Recreational opportunities include hiking, horseback riding, hunting (with restrictions), mountain biking, cross-country skiing and snowmobiling. A footpath bridge over the highway allows access to both sides of the forest. Trail maps are available online. CARPET TILE HARDWOOD LINOLEUM

American Legion Park at Pentucket Pond.


LUFKINS BROOK Accessible from Andover Street, Pine Plain Road and West Street Lufkins Brook is a large conservation area along the Boxford town border. There is an extensive trail system through forests and lowlands. Trail maps are available online.



k Roc ets

Old coins bought & sold Free Appraisals Turning a house into a home one room at a time

oteol m Reontr C ars C

Floor Covering
Family owned since 1976

20 East Main Street Georgetown MA 01833 978-352-2234 1.800.870.4086

919 Salem St. Groveland, MA 978-521-8848

Thursday, April 25, 2013 19
Old Coins Wanted
The Daily News


Helping to create your backyard vacation

The Village recipes and secret ingredients have stood the test of time, passed on from generation to generation. We never compromise on quality and neither should you.

Pools - Spas - Accessories Technical Support - Games - Parts


The Daily News 20


978-352-7727 (SPAS)
Thursday, April 25, 2013

33 Library St., Georgetown

BAPTIST New Life Community Church, 186 East Main St., Georgetown, 978-352-6771. Service: Worship service, 11 a.m., Small Groups, Childrens Learning Time, 9:30 a.m. (all ages), Adult Learning Time, 9:30 a.m. Fellowship time with refreshments, 10:30 a.m. MORMON Church of Jesus Christ of Latter-Day Saints, Jewett Street, Georgetown. Sacrament Meeting at 9 a.m. Sunday School at 10:10 a.m., Priesthood and Relief Society, 11 a.m. Enrichment on first Tuesday at 6:45 p.m. For more information, contact Charles Lambert at 978-462-2471. ROMAN CATHOLIC St. Mary Church, 94 Andover St., Georgetown, 978-352-2024,, e-mail, Rectory@parishmail. com. Masses: Saturday, 4:30 p.m., Georgetown; 11 a.m., Georgetown; Daily Mass: Thursday and Friday, 9 a.m. UNITED CHURCH OF CHRIST Byfield Parish Church, 132 Jackman St., Georgetown, 978-352-2022, Web address, Byfield Service Sunday, 10:45 a.m. Child care provided. Sunday School for ages 3 through adults at 9 a.m.; Childrens Choir, 5:30 p.m.; Wednesday, Junior/ Senior High Bible study, 7 p.m.; Thursday, Adult Bible study, 7 p.m.; Adult Choir, 7 p.m.; Monday, Womens Bible Study, 9:15 a.m. First Congregational Church, 7 Andover St. (Route 133), Georgetown, 978-3528443. Handicapped-accessible by elevator. Service, Sunday: 10:30 a.m. Child care provided. Church School through eighth grade at 10:30 a.m. Senior High and Middle School youth groups meet twice monthly; musical groups meet weekly Bell Choir, Senior Choir, Junior Choir and Band.

sfp Sachs F

inancial Planning

Workshop in the Woods 2013

Camp Denison, Georgetown, Workshop in the Woods MA 2013
Community Theater Nature Craft Art Community Theater Nature Craft Art
978 - 973 - 6553

Kathleen R. Sachs, CFP

certiFied Financial Planner
Registered Investment Advisor

Camp Denison, Georgetown, MA

Fax 978-352-2767 Hourly Consultations Full Financial Plans Georgetown, MA
Thursday, April 25, 2013 21
2 two-week sessions Monday - Friday 9 am - 4 p m (July 8 - July 19) (July 22 - Aug 2)

The Daily News

Town Services
Town Hall
1 Library St. Hours: Monday through Thursday, 8 a.m. to 4 p.m., closed Friday 978-352-5755 (administrators office) Most of the towns core departments like health, planning, assessors, inspectors, town clerk, tax collector are located in Town Hall. Not all departments are open from 8 a.m. to 4 p.m.; some have reduced hours. For a full list of town departments and office hours, visit http://

Erie 4 Fire Company

474 North St. Erie 4, a privately run fire company, serves as Georgetowns second fire company. Its firehouse is located near the Newbury border. The association depends largely on donations to fund itself.

Senior Center

First Congregational Church, Andover Street. 978-352-8443 The senior center is open MondayWednesday, 9 a.m.1 p.m.

Police & Fire Department

47 Central St. Emergency phone: 911 Police business phone: 978-352-5700 Fire business phone: 978-352-5757 Georgetowns fire and police stations are located together in the same building, located next door to Town Hall, in downtown Georgetown.

Municipal Light Company

94 Searle St. 978-352-5730 Georgetown is one of a small number of communities in the state that relies on a locally run power company to provide electricity to residents and businesses. The office is open 8 a.m. to 4:30 p.m. weekdays

Protection Services:
Monitoring as low
as $200/year
Fire Carbon Monoxide Medical Alert

The L.W. Bills Company of Georgetown, MA, a manufacturer of municipal, industrial and residential alarm systems, from San Francisco to Houlton, Maine since 1925. Security 24/7 Alarming Monitoring Lowest Monitoring Rates Anywhere CCTV Cameras Panic Alarms

L.W. Bills protects this Castle let us protect yours

Hammond Castle

Mention this ad and we will waive the $95 connection fee

L.W. Bills Company 978-352-6660 800-892-0275 Division of B&B Engineering Since 1925
The Daily News 22 Thursday, April 25, 2013

Now Open

Pizza Roast Beef Seafood & more

Monday Pizza Special 4pm - 9pm

The time you call is the price you pay for pizza. Toppings are extra.


1/2 Price Pasta Day All Day

Fishy Friday $9.99 Seafood Baskets

Fresh Clams, Scallops, Oysters, Haddock, Calamari Baked or Fried

Sat. & Sun.

Two Large Cheese Pizzas $15.99

EVERY DAY Lamb Dinner $14.99

Lamb Tip Dinner $11.99

OPEN 7 DAYS 11:00am-9:30pm 33 Main Street, West Newbury

Thursday, April 25, 2013 23 The Daily News


We deliver to Georgetown, Groveland, West Newbury, Newburyport, Byfield, Riverside-Haverhill

Great rate. Fast turnaround.

3 3
Interest rate
scan the QR code below w ith your smart phone for more information.

Rates as low as


30-Year Fixed Rate Residential Mortgage No points!**

Our 5 Main Street, Topsfield oce is now open!

Apply online 24/7 at or call us at 978-462-2344.

Newburyport Ipswich Rowley Salisbury Topsfield 978-462-3106

* APR denotes Annual Percentage Rate as of 4/15/2013 and is based on a $165,000 purchase loan with 80% LTV ratio and a minimum credit score of 720. Unit cost per $1,000 borrowed is $4.49. Minimum loan amount is $150,000. Maximum loan amount is $417,000. Call for LTV ratios on refinance loans. Call us or visit our website for details. Single-family, owner-occupied residences only. Oer subject to credit approval. Property insurance required. Monthly payment examples do not include escrow amounts for real estate taxes and/or insurance, if applicable. is may increase payment amount. Flood insurance required if the property is located in a FEMA Special Hazard Flood Zone. Rate is subject to change without notice. Other terms and conditions may apply. Member FDIC Member DIF **Points and/or additional fees may be assessed for borrowers with credit scores lower than 720 and/or refinance loans.

The Daily News


Thursday, April 25, 2013