The Cincinnati Enquirer from Cincinnati, Ohio • Page 104

H12 SUNDAY, OCTOBER 8, 2006 THE ENQl'iKKK Find storage behind wall Looking for extra places to put things? Your home has all sorts of hidden storage space. Behind your drywall and paneling lie countless spaces nestled between the studs. While some are filled with pipes, wiring and duct work, others are wide open and ready to be put to use. The best time to note which spaces are which is when a home or room is under construction. Take photos or make diagrams of empty spaces that you can later develop into various types of storage.

However, this option is only for inside walls, as outer walls use this inner space for insulation. If your rooms are already done and the walls are finished, it's still not too late. It just takes a bit more investigation to determine which areas are storage-ready. The Associated Press sum mm. A listing of newly constructed homes 1 ready for occupancy within 60 days 'j 7 7 i 'm i x-njr Iff? ,11 tu- til I a $149,900 BnmaiMu 1 71 2 Braxton Parte Dr DaanBuUers Modal Hon48R, 2 1JBA mwL NOW 4BR, 2 BA tarried.

Amfa Botoio Botoviolvip 1224 CfctwoodTroJ Imams 1221 denwood Irak DixonBulders $259,220 Ghnmailrafc S270, 545 GUnodTrofc "You read that where!" Great Stories Every Day. 9130 Senrkigfofi Way InvemesHarnes 46S, 2 ng nn, 3 car skk ertry gor NOW 66 4 Oeeksk Wny imrassHome 3BRranoHrsunrm in golf canmi Sept. $275,900 Swiridge rarfieUfcp $284,900 WaUtnPms foiMify $425,880 htotietbm bntM $299,900 Ml Rd. Station To subscribe, call 1.800.876.4500 or visit Clncinnati.Com, keyword: subscribe. THE ENQUIRER Cincinnati.Com 3651kfatnl0r BmiMn IS49WifMUi KekrBuMing 481, 2.5 3 ax 90, bonus rm 4BR.

2.5BA.woBcMinent tVidt fml 2 5ty, 4BR. 2.5 BA, bsmt $118,900 Prestar3FVrtnfii Par 1 53 fwraon 'Way KfcConiiwite $206,900 Rewe'sRui 455 Pewfer HI 0. Gold Kty Horns ujbonon IotW SSW.WO HerrnSoge Psint J) 161 Mock Dr. demon Home 4 BR, 3.5 BA, 2 sly grl Collar Directors CoIfocDiedioiB Prrke Reduced Cad for Dkections Coll for Directions Calfor Directions Pract Reduced Col for dxeclions Kemper, Ml, Wreton Cr, I Wmford 0, Wnfonl In Col br spetid rSscounts in options 48 lowest on MifcM. IS 48 to Overlook Dr Cdl for directions Cat for Rt 223 NE of Rt 48 CaSfor Kreftom Col for (tcectiors Colfcrorecfais Col for directions Col lor Directions CJforDrecSons (5131752 1113 (513)752-4002 (513)752 1113 (937)886-9279 (513)887 2066 (513)3633011 (513)779 9500 (859)384 4707 (513)932-5969 (513)325-3963 (513)600 6911 (513)759-6971 1513)683-2302 1513)899-3448 (513)899 3448 (513)7224111 (513)539-5140 (513)539 3655 (513) 539-0902 (513)539 8655 (513)777 7346 Mown $689,9 Chestnut HI 4845 Classic iim Lone Eogle Custom Homes 4BR, 3 12BA, workout bsrrrt HsitarMki $329,960 Crooked he Meodoxs 384S FSnnodt Iji Rot Butlers 4BR15 NOW 60 days NOW 45Doys hnmed.

farmed. bnTrwd Now NOW 450oys Union Savings Bank A Subsidiary of VVy.rw U.S. flancwp STOP RENTING! BUY YOUR OWN HOME TODAY! We Specialize in Assisting First-Time Home Buyers $189,950 Turning Leaf 297Chenylanl Dcuglos Homes 2sty, 3BR, 212BA, fuJ bsmt Ranch, 3BR, 2SA, ful untn bsmt 48RJ.5BAS MoinevJe Moinevle mm Monroe Monroe Monroe Monroe West tester $192,620 Vitooe on Green $195,250 Vloge on the Green $313,985 Weg8es $197,400 Monroe Crossing $201,180 $274,900 Bridle Creek $218,900 WyondotWoods 5599,950 fasrfhmdmn 7618SondstoraTiol SnghtonHanes 725Mandhg0mui Brighton Homes 862 TrcffiersCrossings KxonBuUeri', 217 Slionda Dr. Brighton Homes lot 04606 Marcinda Hatms 22! Bride Pass Way Inverness Homes 532WHtfWcls6M Mcmdo Homes 4595GuUord Meyer Builders 100 Purchase Programs Down Payment Assistance FHAVA Programs 3 BR, 2 BA, morning rm, unfin bsmt NOW 3HU9Aaronctt f0W 4BR, 2 12 BA model home NOW 4BU5Mrviiti i now 1st ft 4000 sq. ft.

5BR. 4BA Immed YOUR NEIGHBORHOOD LENDER BEECHMONT EASTGATE FAIRFIELD (513)232-9000 (513)201-2100 (513)829-9111 HYDE PARKNORWOOD (513) 842-9000 HAMILTON KENTUCKY WESTERN HILLS (513) 863-2300 (859) 331-7003 (513) 598-8400 pfSfpI CINCINNATI CORPORATE (513) 247-0300 i 0 ic; 11 id) if to) IK if (ej A ir RlW DiKA)rigPtl CrRpvApprMt Oown Affl jProflram Program Rate DiscOrtgPts Cr RptjAppr Feea NOown AfR mm Alpine Cincinnati Mortgage Inc. S13-936-81 1 1 McKinley Mortgage 513-791-2700 30-yr mortgage rate Based on zero discount points S-yr adj. mortgage rate Based on zero discount points Below are examples of the minimum income required for a $100,000 loan using this week's average interest rates. Taxes and Insurance are estimated at $230 monthly for each loan type.

30 yr Fix 5.75 00 NA 5 5.76 As ol September 29: 6.07 As ot September 29: 6.29 $60,000 50,000: i i 15 yr Fix 5.625 00 NA 5 5.63 Aways Low Closing Costs Purchase or Refinance- FHA VA Worrying about bills? STOP with McKinley Mortgages creative debt Consolidation Programs. 100 Loans No PMI Purch. orRefi. oans up to 125 of your appraised value. Red now and no mortgage payments until December 2006.

Call or Apply online at www.bestlowrates. com. (B) 9825 Kenwood Rd. 203, Cincinnati, OH45242 UCH521 40,000 30,000 20,000 10,000 S75 --1 j. ijOi i -f- WT4 -i SNJMMJiNJMMJS 2005 2006 Free Preapproval 2ndMtg Home Equity No dosing Costs Get Preapproved Before You Buy SNJMMJ NJMMJ i 1-yr.

ARM 31 -yr. ARM 51 -yr. ARM 30-yr. Fix 15-yr. Fix Thse numbers are used tor example purposes only.

Rales, programs, taxes and qualifying parameters may vary and can change at any time. IB) 10999 Reed Hartman, me, Cincinnati, OH 45242 UCIMB2569 2006 2005 Arrowhead Financial Group 513-5S3-8100 Professional Mortgage Group 859-957-0315 $150,000 Loan amount. Even though mortgage rates are close to where they were 10 months ago, demand for adjustable-rate loans has fallen off significantly. 33 of borrowers 27 of borrowers applied for ARMs applied for ARMs 30 yr Fix 5.875 00 $0250 5 5.89 program natepoims 1 yr ARM 5.900 pts 15 yr Fix 5.625 00 SO250 5 5.67 i yr nm o.uTou (JUS 30 yr Conventional 6.290 pts 30 yr Fix 6 00 SO250 20 6.06 30 yr Fix 6.25 00 SO250 0 6.99 1 5 yr Fix 5.75 00 SO250 20 5.82 40 yr Fix 6.375 00 SO250 20 6.4 Principal interest $889.70 $906.09 $927.48 $1,265.55 Principal interest $2,654.95 30 yr Jumbo 6.25 00 SO250 5 6.28 1 5 yr Conventional 5.960 pts 0 $417,000 Loan amount 15 yr Jumbo 5.875 00 SO250 5 5.89 Program Ratepoints 30 yr Jumbo 6.570 pts 1 0 Months Ago Today Source: Mortgage Bankers Association (weeks ended 1 11805 and 91506 Aways Low Fees' www.hotmortgagerate.com (B) 6382 Derbyshire Lane, Loveland, OH 45140 Apply today 6 garybrandenburg.com!!! (B)215A Thomas More Parkway, Crestview Hills, KY '41017 MB3125 LICM8801227 Program Bl OilOOrig Ptt Ci BplAppr Fmi Dowi APR Program Rate DfscOrto Pts Cr RptAppr Fees SDown APR Cottage Savings Bank 513-793-2422 Financial One Mortgage 30 yr Fix 5.875 00 15 yr Fix 5.625 00 20 yr Fix 5.75 00 513-761-2251 $0250 5 6.03 $0300 3 6.18 $0250 0 6.18 Humbert Mortgage Inc. 30 yr Fix 6 00' FHAVA 6.125 00 Ohio Bond Money' 5.95 01 800-466-0004 $13200 5 5.92 $13200 5 5.71 $13200 5 5.82 $13200 5 6.21 15 yr Fix 6.125 00 $0250 20 6.14 30 yr Fix 5.875 00 $0250 20 5.92 2nd Mortgage 7 00 50250 20 7.12 7.5 00 SOCall 20 7.5 Superior Mortgage Services, Inc.

513474-0899 Close a Loan 8, Be Entered in a Drawing to Win 2 Bengals Tickets! 30 yr Fix 5.75 00 $18275 5 5.79 15 yr Fix 5.5 00 $18275 5 5.54 31 ARM 5.625 00 S1 8275 5 5 66 (B) 2126 Bvanor Lane, Cincinnati, OH 45244 LICHIB1397 30 yr Fix Jumbo 6.125 00 "1st time home buyers only ZERO Down! Great Honest Rales, Great Service! Kentucky Ofice 859-344-3000 Low Closing Costs No Title Insurance Required We Service Loans (CiOj 9513 Montgomery Cincinati. OH 45242 Free Pre-Approval 0 Down No Ml Loans www.financial-one.com IB) HONorthwoodsBlvd, Suite 1A, Columbus, OH 43235 UOMBI306 UCHMB3520 (B) 1250 Springfield Pike, Cincinnati, OH 45215 DlTECH.COM Lyhx Financial Group LLC 51 3-777-8383 Third Federai Savings 1 Loan 688JHIRD-fDf8447333) 800-616-8208 Gold Star Mortgage 800-761-9532 5.875 20 Call 20 6.17 30 yr Fix 6.25 00 $15200 5 6.38 5.625 20 Call 20 6.11 15 yr Fix 5.875 00 $15200 5 6 6.125 20 Call 20 6.37 51 yr ARM 5.875 00 $15200 5 6.13 5-75 20 Call 20 6.15 31 yr ARM 5.75 00 $15200 5 6 30 yr Fix 1 5 yr Fix 51 IO ARM 101 IO ARM 5.875 00 $0250 5 6.01 30 yr Fix 6.1 00 S6250 20 6.13 5.5 00 $0250 5 5.69 15 yr Fix 5.7 00 $6250 20 575 5.625 00 $0250 5 5.71 51 ARM 5.85 00 $6250 20 6.93 6.125 00 $0250 5 6.3 30 yr No Cost 6.6 00 Call 20 6.6 A GMAC Company (A) 3200 Park Center H50, Costa Mesa, CA 92626 We're open Monday. Callus to lock in your low rateI IB) 9656 Cincinnati-Columbus Cincinnati, OH4S241 1X43345 Rates effective for loans up to $417,000. (D) 7007 Broadway Cleveland, OH 44105 LOWEST PATES, FREE HELOC, NO COST LOANS. (B) 1819 Stadium Ann Arbor, Ml 48106 SM7711 MORTGAGE BATES inFORWYTIOn AmiLABLE OW TliE INTERNET 2 nsici cntiu.t mun(agc Banner, (H) Mortgage Hroker, (U) HanK, (U) at (K) lreun union.

Copyright 2UOp by nunkrutc. Inc. 1 1 ot) us rlignwuy i. nunc iowrm ruim ncacn. r-L.

which is not al'tliiatcd wmi any tnmiivim .11 a uppcur ln lncse tames anu are required 10 proviuc aecuraie anu iimeiy iniorniation 10 participate. Kates are oeiieveu to oe ac-c-uraie nut wc nvi mm uc miojcci to change wiihout notice. Conventional loans are based on loan amounts of Jumbo loans are based on loan amounts of The down indicates the smallest down payment required for dial program. Fees reflect the cost of the appraisal and credit report Points quoted include discount origination. APR calculations include all costs payable to obtain credit and P.M.I.

(Private Mortgage Insurance). Lock Days: 30-60. Refinance rates may be indicated with an preceding the APR. FHAePcdcrul flousing Authority, VAVeteran's Administration. Home Huying and RF.VReverse Mortgages.

LTVwLoan 10 Value: NIQNo Income Qualifier, NIVNo Income Verification. Call for Current Rutcsratcs not available at press 1 npe. internet: rmp: www. ilium Mif'nr in inis unit, can 10 report ainy uiscrepuncieo, can exl. 1 ln.

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