Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania on November 14, 2004 · Page 123
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November 14, 2004

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Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania · Page 123

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H-4 Sunday,November14,2004Post-Gazette Knight Ridder Newspapers Types of mortgages:  ARMs, or adjustable rate mortgages, come in a variety of permutations. Some adjust annually, others adjust every three or five years.  Fixed-rate mortgages have an interest rate that is locked in for the length of the mortgage and never changes.  Hybrid loans carry a fixed interest rate for several years and then adjust.  Two-step balloon loans are for consumers who know they are going to be relocated in a specific period of time. The mortgages carry a low interest rate for three, five, seven or 10 years, and then the full balance is due.  Interest-only loans that before the Great Depression were the standard form of home mortgages made a comeback about three years ago and now are available in many versions. Down payment options: Home buyers can choose from loans with 0 percent down, gift programs that provide a down payment and variations on the traditional 20 percent down. Home buyers can pick from 15-, 20- and 30-year loans. Fixed-rate, 40-year mortgages are being tested elsewhere in the country by a partnership between 16 credit unions and mortgage giant Fannie Mae, which next year will decide whether to roll out the loans on a broad scale. There also are the federal and state programs for first-time home buyers, veterans and low-income buyers. For anyone who does not qualify because of poor credit, there is also the subprime or nonprime mortgage with higher interest rates. Pros and cons Here are the advantages and disadvantages of some home mortgages:  15-year fixed: Advantages: Shorter term. Home owned in half the time of conventional loan. Total interest can be lower than a 30-year fixed mortgage. Disadvantages: Bigger monthly payment. Qualifying is tougher because of higher income requirement.  Adjustable-rate mortgages: Advantages: Initial lower payments. Initial rate usually 2 percent to 3 percent lower than conventional loan. Makes buying more affordable. Payment drops if interest rates drop. Disadvantages: Payments go up if rates go up. Requires budget discipline to anticipate interest rate movements.  Hybrid loans: Advantages: All the advantages of an adjustable rate. Lower rate can be fixed for a varying number of years, say one, three, five or seven. Usually the shorter the fixed time, the lower the rate. Eventually converts to a fixed rate. If housing prices rise, you can sell and trade up before the conversion kicks in. Disadvantages: If you do not convert, it is just a regular ARM. Might want to avoid if you plan to own the home for a long time and anticipate interest rates rising.  Interest only: Advantages: Can get a bigger loan and more house. Typically used by home buyers who receive the bulk of their income in bonuses. Good if you expect quick increase in income to pay down principal. Good if you plan to move before principal is due. Disadvantages: Need budgeting skills. Need cash for lump sum payments. Must refinance at end of interest payment period. Does not build equity unless the home appreciates.  Low down, no document loan: Advantages: Helps if you have trouble verifying income. Lender does not require proof of income and assets. No debt-to-income ratio used. Disadvantages: Higher interest rate because of higher risk. Bigger down payment. Higher credit standards.  Two-step balloon loan: Advantages: Good choice if you do not expect to own home past date when the balloon payment is due. Payments are usually lower than conventional fixed loans. Lower interest rate than long-term loan. Disadvantages: At the end of a few years, you must sell or refinance because all remaining principal is due. Rates may be higher. May end up owing remaining principal plus additional settlement costs if the house does not appreciate.  Piggyback or split loans: Advantages: Can avoid paying private mortgage insurance when the down payment or equity in your home is less than 20 percent of the value. Mortgage payment generally is lower. May be used with most fixed rate and adjustable rate loans. Disadvantages: Higher interest rate on second mortgage. Slightly higher cost since there are two loan closings. Sources: Mortgage Bankers Association, www.mbaa.org/;and Goodmort- gage at www.goodmortgage.com. lower monthly payments and can buy a higher-priced home than they might otherwise afford. Interest-only loans may not be good for a first-time buyer, however. Ott, who is in his third home, said he is comfortable with the product and understands its advantages and drawbacks. For 48-year-old Slinger, who had no money for a down payment, the mortgage that made the most sense was what is called a split or piggyback loan. A first mortgage covers 80 percent of the cost of the home, and a second mortgage covers the rest.Even though she is paying a higher interest rate on the second mortgage, the combined monthly total on both loans is only $50 more than what she was paying to rent an apartment. “I didn’t even know you could buy a house with no down payment,” she said. “I’m amazed.” Piggyback loans are popular because they allow borrowers to avoid PMI payments — which can range from $50 to $250 a month. “When talking to customers about strategies, this is one of the things we bring up 100 percent of the time,” Linamen said. Just as there are new loan products, so too are there new consumer attitudes. A paid-for home is less of a goal. “People of today are not going to have their homes paid off” when they retire, Riley said. “We definitely see people in their 40s and 50s still financing for long periods of time.” Home refinancing by senior citizens also is becoming more common, McClister said. Regardless of the situation, Schoenfeld urges consumers to take the time to learn about the different mortgage products. “Educate yourself,” she advised. “Go out and interview our lenders, see who you’re comfortable with, see who’s been around and has a good reputation.” And one piece of old advice still holds up: “If it sounds too good to be true,” Schoenfeld said, “it is too good to be true.” Choices make borrowing more flexible, trickier LOAN, FROM PAGE H-1 Home financing options “People of today are not going to have their homes paid off.” Cindi Riley, Mortgage One ApartmentsforRent-East MONROEVILLE ● 1&2BedroomApts. ● Fullyequip.kitchens ● Laundryfacilities ● PrivatePatio/Balcony ● IntercomDr.LockSys ● Storage ● PublicTransatEnt. ● LightedTennisCourts ● HeatedSwimmingPool ● Superior24hr.maint. 412-372-6205 7Days/Eves.byAppt. MONROEVILLE ● 1BRFrom$490 ● 2BRFrom$600 ● 3BRFrom$790 ● Pool,TennisCourts ● LaundryFacilities ● VideoIntercomSys ● 24Hr.Maintenance ● ShuttleServiceAvail. OPEN7DAYS 412-372-4945 foxhillapartments@ adelphia.net MONROEVILLE2BR, newlyremod, 1 ⁄ 4 mi. fromtpkexit/Miracle Mile,resid.neighborhd, $550+. (412)856-9959 MONROEVILLEAREA HEPPARK ConveniencePlus! 1or2BR,Min.toMall &Turnpike.Sec.lock, priv.road,fullequip, excel.valuegreatloc. Mgr.412-969-9292or MONROEVILLEAREA Plum,PennHills 1BRapt.Beaut.renov. Parksettingfrom $399+util.3BR,2bath $650+util.Nopets 412-441-1400 Monroeville BirnamWood Apartments ● Studio,1&2BRapts. ● Spaciousfloor plans ● Modernlaundry facilities ● IntercomAccess System ● Fitnesscenter ● Swimmingpool OneBedroomsStartAt $525 RestrictionsApply 412-373-1190 Mon.-Sat.9:00-5:00 www.rpmgt.com Monroeville Deluxe1& 2BR2baths,eqkit,crpt, balcony,Security. Nopets. 412-373-1004 MONROEVILLE GREATCOMMUNITY NEWRENTALRATES ● Spacious1,2&3BRs ● RenovatedInteriors ● FullyEquip.Kitchens ● FitnessCenter ● SparklingPool ● ControlledAccess ● 24hr.PromptMaint. ● PublicTransonSite ● PetFriendly *SURPRISESPECIALS* Calltodayforyour Personaltour! 7days/Sundaysby appointmentonly ApartmentsofCedarRidge 412-856-4400 JASApts.Inc. Prof.Prop.Mgmt. MONROEVILLE Modern1BR,w/w,kit., nicecabinets,$400+ CrownR.E.724-864-9720 HomesforSale-North ApartmentsforRent-East MONROEVILLE LAVALEAPTS. ★ FREERentSpecial ★ $99SecurityDeposit ● 1BR$595-$6902BR$815 ● HeatIncluded ● Exercise&SocialRms. ● PoolwithPicnicArea ● LaundryandStorage oneachfloor ● IndoorParkingAvail. 412-373-2711 MONROEVILLENICE 2ndflrinlrghome,nr. mall.Priv.entry& porch,renov.eqkit,new carp.off-str-prkg,on bus.1BR+bonusrm,1 bath$440+.1-770-667-5653 MONROEVILLE NORTHERNPIKE GARDENAPARTMENTS 1BR$5052BR$553 ● Heat&WaterIncld. ● W/W,A/C,Intercom ● EqKitLndryBalcony ● NoPetsFreePrkg. (412)243-7120 MEYERSMGMTCO. MONROEVILLEPLUM *FOURSEASONS* ● Spacious1BR......$510 ● Spacious2BR .....$615 Heatincl,ac,lndry;adj BoycePark,busatdoor. 412-683-7300 JOHNCRKELLYR.E. MONROEVILLETwnhse ElliottRd,2+BR,eq.kit, a/c,w/w,$565+utils. CAPONEREALTYCO. (412)261-2816 Monroeville/TurtleCreek Area 2BRTwnhsegar.No pets.$500+.412-824-1105. MORNINGSIDE2ND flr, 2BR,LR,DR,kit,$525+ elec. 412-441-4435 MORNINGSIDE 3rdflr 1BRfrig,range, carp-elec, onbus $475+G.412-362-6132 MORNINGSIDE Clean Lge1BR,lrgkit,newer carp&paint.412-287-5406 MORNINGSIDELGE 3 BR,new.remod.,paint, carp$550+412-889-3963. NORTHBRADDOCK remod.2-3BRSec8okay yd,nopets. 724-733-1235 NORTHOAKLAND 1BR, sec,lrgrooms,w/w, porch. $550inclutilities 412-681-7826412-241-4477 NORTHOAKLAND Large2BR,2baths,w/w carpet.eq.kit,A/C, washer/dryer&deck. NOPETS$775+utils. CallKaren412-261-6500 NORTHOAKLAND Lg. 2BR,$1090inclsprkg. Closetouniv,shop,bus &everythingelse.Call Now! 412-621-4032.EOH. NORTHOAKLAND MELWOODAVE+ N.NEVILLEST. Effcy.,$490-$505;1BR, $555-610,inclheat&wa- ter,walktouniversity. $99.00SecurityDeposit. ONEMONTHFREE RENT.Forappointment call412-682-1077. www.unionreal.com UNIONR.E.288-7826 NORTHOAKLAND MELWOODAVE. CENTREAVE. 1BR’s$436InclUtils. 4BR$768+Elec.Only WalktoUniv. Onshuttleline Parking&LaundryAvail CallForSpecial 412-621-7411 NorthOakland SCHENLEYARMS HWfloors,cathedral beamceilings,leaded windows,laundry,util incl.,univ.close. 1BR$695 www.mozartapts.com NORTHVERSAILLES ★ $99RENTSPECIAL ★ Modern1BRA/C,lndry, prkg.$475+elec. 412-271-5550,MJKelly NORTHVERSAILLES 1BR,eqkit,acldry,off-st prk$375+. 412-372-3305 NorthVersailles Rt30, 1BR,busln,appli,nopets $390+secur. 412-823-4546 NORTHVERSAILLES 2BR, 1 ⁄ 2 dplx,eqkit,C/A, gar$650+utl724-782-8800 HomesforSale-North ApartmentsforRent-East NORTHVERSAILLES GetSettledbeforethe snowflies! ● 1or2BRGarden ● EquippedKitchens ● Laundry ● From$440,incl.heat NearWal-MartPlaza NORTHVERSAILLES Effcy.1&2BRs,Gasincl. Equip.kit.,a/c,lndry., nearbus.Startingat$330- $425+el. 412-824-3393 NORTHVERSAILLES Beautifullyremodeled Nopets. From$349+Elec. 2BR$519+Elec. 412-441-1400 OAKLAND 151ROBINSONST. OaklandHillsApts.Mod 1BR,carpet,eq.kit. w/DW&disposal,ac, parking,laundry.From $475+electric. KeyManagement 412-362-3100 OAKLAND 1BRCondo, prkg,patio.equip.kit, laundry.$575+g&e. 412-271-5550,MJKelly OAKLAND1BReqkit,prkginc 412-731-2320412-403-7607 OAKLAND 205ROBINSONST. OaklandHeightsApts. Mod1BR,carpet,eqkit, ac,parking,laundry. From$450+elec. KEYMANAGEMENT 412-362-3100 OAKLAND 3259Dawson 1BR$350+elec.&gas. 412-391-6160X125 HILLCLEARY&Assoc OAKLAND 3305DawsonSt,2BR, $545+E,immed. 412-758-5110 OAKLAND3BR Eq.kit, $765mo.Inclutils. Avail12-01.(412)831-8581 OAKLAND 4179&4181CentreAve. Studio avail.$485in- cludesutil;Large 2BR aptsavail.$695includes util;w/w,carpet,eq.kit, laundry.NoPets.Call Karen. 412-261-6500 OAKLAND 4201BRYNMAWRRD. Large2BR,w/wcarpet, a/c,eq.kit,&garage.No Pets.$705+gas&elec. CallKaren412-261-6500 OAKLAND 630ClydeSt. 1BRapt.avail$710+elec; 2BRaptavail$915+elec. Luxurybldg.intheheart ofOakland.412-621-7563 OAKLAND AptBldg Effcy$420-440Inclutil SteinerR.E.412242-0273 OAKLAND Big2,3,4,5BR houses,eqkit+laun,pet $700+&up.412-621-0346 OAKLAND DawsonVillageApts. 3429DAWSONST. 1BRapt.avail.$575+ elec.A/C,laundryfac, closetouniversities. CALL412-688-9062 OAKLANDDithridgeSt. 2BRequip.kit,newcar- pet,lg.closets,onsiteln- dry,$650+gas&elec. ATCH-MONT 412-322-2330 OAKLANDEFF 1-2-3BR, eqkit,w/w,laun,prkg. $350-$800+ 412-682-5243 OAKLAND Effcy.fur- nished,shareshower$320- $400incl.util.412-683-9006 OAKLAND Let’smakeadeal. Melwood. 412-519-8475 OAKLAND lge1BR2nd flr.,318Meyran,porch, woodflrs.,newkit. $600+g/e 412-487-6280 OAKLAND MeyranSt., 1,2,3,4,5,6BR,w/w,equip kit,dshwshr,412-344-2548 OaklandNorth Mellwood St.Lrg1BR1 1 ⁄ 2 bath,sep entry,deck$425+g&e (412)731-4000 OAKLAND South1&2BR near.transport.Nopets. 412-488-1968;724-859-0787 HomesforSale-North ApartmentsforRent-East OAKLAND NrUniversities&hosp’s. ● ModStudios$430-$475 ● 1BRApts$475-$580 ● 2&3BR’s$685-$895 412-683-7300 JOHNCRKELLYR.E. OAKLANDSTUDIO $415;1BR$450;2BR $550.412-999-2124 OAKLAND/PolishHill Lg.1BR,w/w,eat-inkit., nrbus$400+412-766-2069 OAKMONT1 &2BR,a/c, laundry,prkng,nopets $445&$675. 412-795-7493 OAKMONT1BR 2ndflr Nopets.$385+ HeatIncl. 412-781-2112 OAKMONT2BR T/H,eq. kit.,DR,LR,lgbsmt,no pets,$585+. 412-826-0134 OAKMONT2BR, eqkit, 200ydsfromshop/bus, $600utilinc. 412-826-8219 OAKMONT lovelydplx, 2BR,fullbsmt,lgeLR, newkit,nopets$575+ utils. (412)963-7963. OAKMONT Nice2BR, DW,laund,Cr ✔ .Nopets. $425. 412-826-1933. Oakmont-PennHills HunterGardens Great 1BR,ac,porch,laundry $435+. (412)683-7300 JOHNCRKELLYR.E. OakmontMarleeManor ● 2BR ..........$605+elec. Laundry,(garageavail- able)Heatincluded. 412-683-7300 JOHNCRKELLYR.E. ParkPlace/FrickPark OLDHEIDELBERG Largekitw/DW,porch, HWflrs,beamceil, prkng,lndry,historic landmark,hugebright units,AC. 2BR&den townhouse$875; 2BR$865. www.mozartapts.com PENNHILLS 2BRDu- plexGar,nopets.Cr ✔ $500+ut (412)781-2112 PENNHILLS Beautiful,newlyrenov. ● 1BRfrom$369+elec ● 2BRTwnhs$519+g&e ● 3BRTwnhs$700+all ● 3BRApt.$750+elec Section8OK412-363-5860 PENNHILLS Fairways, mod.2BR,ac,garden orbalcony.$555-$610. 412-271-5550,MJKelly PENNHILLS Modern 1BR,eqkit,lndry,pking $395-$425+elec.heatincl 412-271-5550,MJKelly PENNHILLS Remod 1BR,1stflr$399inclheat nodeposit. 412-856-1178 PennHillsSaltsburgRd. GreenviewApts. Modern1BReq.kit,ac.ln- dry.$440-$485+el. 412-271-5550,MJKelly PENNWOODSQUARE Lux2BR,fullyeq.kit., w/w,ac,laund,intercom door,balc/patio,pool, mostutilsincluded.Call today. 412-371-3424 PITCAIRN Spacious1BR OnbuslineEqkit.$350; 2BRhouse $550.BothSec- tion8OK.Nopets. ShiringAgcy412-823-4400 PLUMKellywoodManor ● Modern1BR,$395w/w Eq’dkit,a/c,laundry. $99SecurityDeposit 412-683-7300 JOHNCRKELLYR.E. POINTBREEZE ½off1stmonthsrent. Spa- cious1BR,eq.kit,on-site laundry.$395+ CrownR.E.724-864-9720 POINTBREEZE 1BR,HWflrs,balcony, pkg,lndry.$500+G&E. 412-271-5550,MJKelly POINTBREEZE 7520PENNAVE. CALMARAPTS Effcy$340+elec.w/w, intercom.Forappoint- mentcall412-343-1005 UNIONR.E.412-288-7800 POINTBREEZE Spa- cious2BR.$525+sec dep+util.412-983-2395. POLISHHILL-2BR D/W, offst.prkng,a/c,court- yard,intercom,$650$725+G&E. 412-719-0670 PtBreeze/LangAve. CHALET Spacious2BR,sun porch,pvt.porch,high beamedceil,AC,DW, lndry.$799. www.mozartapts.com PT.BREEZE Remod 1&2BR,ac,porch,hwfl $600-$640+412-287-9396. REGENTSQ 1BRapt, 3rdflr,eqkit,w/w,close topark,412-372-0744 REGENTSQ.1&3BR, DR,eqkit,w/w,deck,lg bsmt,launhkups,storage $525-$800 412-682-5243 REGENTSQ. 1600sq.ft., 2BR,LR,DR,ofc,gar, laund.$695+ 724-926-4748 RegentSq. 1BR,bright cozy,eqkit,$350+elec, cred ✔ (412)247-1031 REGENTSQ. 1BR,eq kit,a/c,coinlndry,prkg. $475+elec.724-733-2611. REGENTSQ. 1stflr. Beaut2BRdplx,eq.kit, w/w,ac,w/W&D,gar niceyd$800+412-334-2367 REGENTSQ. 2BRDplx Nrtheater.1 1 ⁄ 2 bath,eqkit Gar.$895+ut.Spacious! CRAIG/CRAIG 412-271-9200X17 REGENTSQ. 3rdfloor Victorian1BRLR,DR, w/w,newkitchen.$550+ InclHeat. (412)731-4000 ApartmentsforRent-East REGENTSQ.Area. 1BR, A/C,w/wlaundry.$450+ www.pride-realty.com PRIDE1-888-274-6536 REGENTSQ. carriage house,1,000sf,1BR, priv.loc.,eqkit,$895 incl.allutil. 412-583-7223 REGENTSQ. cleanlg 2BRhdwdnosmokeenv/ pets$775+ 412-731-3436 REGENTSQ. Dog friendly2BRincl.heat, antiquecharm,laundry Rearporch.$575+elec. 412-731-4000 REGENTSQ./Park PlaceBig2BR.petsok. $565+PittProperties (412)823-1250 REGENTSQUARE 2BR, Beau!a/c,hdwdflrs, d/w,fans&laundry,pets ok,$700+(412)242-6982 REGENTSQUARE GREATSPACE! 2BR,LR,EatinKit,sun- room,balcony,HWflrs, Nearshops,bus&park. $575+utils. 412-261-6500 REGENTSQUARE Newlyrenov.spacious 2BR,$570+. 412-441-1400 REGENTSQUARE/ FRICKPARK 1-2BReq. kit,w/w&H/Wfloors,ln- dry,sec.parking&more. $450-$650heatincl. KEFALOS&ASSOC. (412)241-7144 REGENTSQUARE/Park PlaceSchool Historic SchoolBldg.Stunning large1BRA/C,Luxury kit,hardwd,W/Dinunit. $750-825+G&E. PetsOKw/deposit SteinerR.E.412-242-0273 REGENTSQUARE/ WILKINSBURG 2BRin Duplex,largeLR,hdwd flrs,eatineqkit,priv basemnt,w/d,fenced yard,$650(412)681-8106 ROSEDALE 1stflr,lrg 2BR,w/w,laun,garage. $495+util.(412)823-2380 ♦ ROYALOAKDRIVE ♦ WHITEOAKVILLAGE Area’sPremierResidence 1or2BR,includeheat, indoorpool,busline. Mgr.412-751-1957or ★ SHADYSIDE ★ *FALLSPECIAL* 13MonthLease- 1MonthFREE Deluxe1&2BRHi-rise. Pool,offst.pkg.,excer. facilities. 412-681-9870 ★ SHADYSIDE ★ HandsomeMansionProp. W/W&HW,C/A,totally equip.kitchens,parking, coin-laundry.NoPets. Tenantpaysallutilities. ● 1BRFrom$790Imm ● 2BR,2sty.$890Imm Call412-683-4498 ★ SHADYSIDE ★ Lg 2BR,eq.eat-in-kit,C/A,ln- drypkg$750 412-683-4498 ★★ SHADYSIDE ★★ ~MELLONPARK~ Spac.2BR,busline,AC, w/w,eqkit. HeatIncl. No pets$790+el 412-441-2696 SHADYSIDE ★ EFFICIENCY ★ Walltowallgarden style,intercomentry $471/mo.inclds.utils. ★ ELEGANTSTUDIO ★ Mid-rise,HWflrs.,Ele- gantarchitecturaldetail, 450sf,$597to$599/mo. incl.utils. ***1Month FREEwith12month lease.ShorterTerm LeasesAvail.*** ★ 1BEDROOM ★ Mid-rise&gardenapts., intercomentry,eq.kits. Elegantdetail.$702-$799/ mo.incl.heat&water. ★ 2BEDROOM ★ WalnutSt.parquetfloor- ing+w/wcarpet.Sep. DR,&porch.Elegant architecturaldetail.$930- $997/mo.garageavail. inclds.heat&water. ***1MonthFREEwith 12monthlease.Shorter TermLeasesAvail.*** ★ 1BR+DEN ★ WalnutSt.w/w,pass thrueq.kit.,$739-$799/ mo.incldsheat&water ★ 2BRDUPLEX ★ ElmerSt.nearWalnut, gardenstyle,w/w,eq. kit.$930/mo.incl.h&w ***1MonthFREEwith 12monthlease.Shorter TermLeasesAvail.*** ★ 2BRDUPLEX ★ NorthNegleyatthe Reservoir,w/w,eatin kit,mod.bath,sep.DR, sharefullbsmtw/locker &lndryhookups,priv. garage.$689+/mo.utils. ***1MonthFREEwith 12monthlease.*** ★ 3BRTOWNHOUSE ★ ElwoodnearWalnut, gardenstyle,eq.kit, w/w,1or2bath,priv. garage,lndryroom w/hookups.$1099-$1150/ mo.incl.heat&water. kaminrealty.kamin.com SHADYSIDE1-2BR, eq kit/lndry,w/w,onbsln. conv.local.412-327-2895. ApartmentsforRent-East Shadyside&SqHill1BRs &Studio$495-$585+el Eqkit’sHeatIncl NopetsCr ✔ 412-421-8585 SHADYSIDE *Negley- 2BRGranite bathEqkitHrdwd$940+ *Spahr- Huge3BREqeat- in-kit,yard.$1025 *2BRExposedbrk,walk- incloset,eqkit,$920+ *Maryland- 1&2BRHard- woodfloors,eqkit,FP,ce- ramicbath$865+ PittsburghLandCo. Nopets.(412)963-6645 SHADYSIDE-SQ.HILL Friendship-Oakland Effcy,1&2BR.Nopets. Cr ✔ . (412)422-1000 SHADYSIDE1BR1bath &2BR2bath, LR,eat-in eqkit,office,porch.Close tobusway,shops.$625- $750.Immed412-681-8106 SHADYSIDE1BR 5413Kentucky.W/w, laundry,parking$549+. $99Deposit. 412-363-9910 Shadyside 1BREqkit, crpt,lndry,security,off stprkg,nopetsFrom$525 InclHeat. 412-373-1004 SHADYSIDE1BRUltra- Mod Fullyeq’d.Porch. Parking.$625+ut. 412-681-7826;412-241-4477 SHADYSIDE1BR, laun- dry,heatincld,$675,avl. immediately.412-371-5136 SHADYSIDE1BR, 1 bath,hdwdflrs,w/d,ac, d/w,priventry,quietst., 2minsfromWalnut, $895+e;avail12-1or sooner, .....(412)621-2997 SHADYSIDE 1stMo. Free!Rest’dVict.2- 3BRs,fp,highceil,hwflr, newkit/bath,onAlderSt. Neardining,shops&bus. from$995/mo.412-828-2215 SHADYSIDE 214South Highland.Twonewlyre- modeledstudios,onelge $550,smaller$500.Catlov- erswelcome.Freeindoor parking.412-279-8842 SHADYSIDE214South Highland 1BRs$525;& studios$475.Freeindoor parking. (412)788-2058 SHADYSIDE 2BR2bath inconvertedmansion, skylts,LR,DR,foyer, C/A,DW,ldry,prk,no pets,$780+.412-292-3233. SHADYSIDE2BR Apt., newlyrenov.,c/a,fully eq.kit/lndry,slateflrs, brickwalls,sec.bldg., offstprkg,DSL/satellite, $1295.412-780-6661 SHADYSIDE2BR Fullkit,deck,w/w,a/c, $795+util.(412)621-7933. SHADYSIDE 2BRVICTORIAN Sunnyapt.w/entfoyer, LR,formalDR,fullyeq kit,brkfstrm,utilrm, C/A,lovelywdwork,wd flrs,2mantels,security bldg,1blockbusway.No pets$955+ Schreiber R.E.412-362-5205 SHADYSIDE2BR w/w,5thAve.,freeheat &parking. 412-421-1945 SHADYSIDE 2BR,2sty ballbfpLong/shortlease $850-$925 412-521-9359 SHADYSIDE 2ndflr, 3BR,2bath,$900+elec. 412-271-5550,MJKelly SHADYSIDE3BR 2ba Twnhse,EllsworthAve, 1blkoffAiken,$1200 (412)759-7876 SHADYSIDE 3BR,balco- nyeqkit,lndry.$875+e 412-271-5550,MJKelly SHADYSIDE4BR, 2sty, parking,laundry,yard. $1100+. ........412-241-5869 SHADYSIDE5425 Howe St.1BR$675+elec.Heat &Pkg.incl. 412-682-6006 Shadyside5th @ Wilkins 1BRa/c,d/w,lndryDec. $690Inclheat&parking. (412)521-9555 Shadyside AlderSt. Spac.2BR$775Inclheat 412-683-7300 JOHNCRKELLYR.E. SHADYSIDE AlderSt. 1BR,fullyeq.kit,offst prkng.$550+elec Greve,412-261-4620 SHADYSIDE Apt.Bldg. FifthAve.Lrg2BR,$750- 780+elec.Parkingavl SteinerR.E.412-242-0273 SHADYSIDEAREA. Freeutilities, lndry$475 www.pride-realty.com PRIDE1-888-274-6536 Shadyside ARLINGTON Beautifulparquetflrs, elev,prkg,lndry,many lg.windows,giantclos- ets,hugebrightrooms, onuniv.shuttle,utils incl. 1BR$745 www.mozartapts.com SHADYSIDEAwesome 2BR2ba, hdwdfls,eq.kit skylite$925+ 412-780-3595 SHADYSIDE Beaut,newlyrenov’d 1BR$650+;3BRtownhs $899+ (412)441-1400 SHADYSIDE Bellvedere 2BR,2bathcondo,C/A, fullyequip.$1150+. 412-271-5550,MJKelly SHADYSIDE Charming 2BR,lbfp,sec.bldg,ln- dry.Rent$910+g&e. WINTERSPECIAL $800+G&E. 412-462-7316 SHADYSIDECOMMONSAPTS. ExtraordinaryHolidaySpecials SPECTACULAR1BR LOFTS&PLATFORMS CALLFORDETAILS (412)683-9101,orview historiclandmarks.com ApartmentsforRent-East SHADYSIDE CoronadoApartments 5260CENTREAVE. Effcy$475;1BR$665+ elec.Forappt.call 412-682-7300. CallAbout NovemberSpecial UNIONR.E.412-288-7808 SHADYSIDE Eff,1BR& 3BRavlimmedstarting at$675+elec412-682-6006 SHADYSIDEEffcy $450+elec.;Lg. 1BR, $700+elec.½blockoff Walnut. 412-621-6401 PivirottoRealEstate SHADYSIDEEllsworth Ave. 1BR,AC,DW,micro- wave$850+.412-855-9394 SHADYSIDEFifthAve. Lrg1BR$495;2BR$610, prkg,a/c412-683-2458 SHADYSIDEFILBERT St.2BR,allutilsincld $700. .........(412)621-6700 SHADYSIDEFILBERT St.2BR,allutilsincld $700. .........(412)621-6700 SHADYSIDEFRIEND- SHIP 2BR,newkitchen, HWflrs,gsfplc,vry nice,pkng,12/1$890+gs/ el,Wash/Dry,2ndflr, call4webview412-363-1215 SHADYSIDE greatloc 2BRLR,DR,hdwd$900 incheat,(412)767-5833 SHADYSIDE GreatLocations Studios,1BR&2BR 5700EllsworthAve. 4750CentreAve. 240-250MelwoodAve. Endofseasonreduced pricesstartingfrom $450-$550&$930 412-682-5886 OPENSAT.&SUN. MeyersManagementCo. SHADYSIDEHIRISE STARTINGAT$550 ★ 1MonthFREERent! ★ 412-661-6622 LuxuryEffcy,Studio, 1BR,2BR.Indoor/ outdoorparking,Roof garden,Laundry. SHADYSIDE Hi-Rise,large1BRS$780 UtilsinclParkingavl. 412-363-2800 ★★ SHADYSIDE ★★ ~HIGHLANDPARK~ Spac.2BR,eq.kit,lndry, busln$675-$690+el.Heat incl.Nopets 412-441-2696 SHADYSIDE KINGSARMSAPTS. 800S.NegleyAve. Effcy$515+elec Forapptcall412-621-5201 CallAbout NovemberSpecial UNIONR.E.412-288-7800 SHADYSIDE Large3BR, newlyremod,eqkit, greatlocation,nopets, $950+util.412-687-9025. SHADYSIDELRG 1BR Eqkit.Heatincl.$725 GreveRE(412)261-4620 SHADYSIDE Lrg.11/2- 2BRa/c,dswasher,prkg, lndry.newcarpet/paint. Immd$625+412-688-7485 SHADYSIDE Lux.2BR onIvy.gourmetkit,off streetprkg,Freelndry, yard,porch.Near busway.Shortterm available.$1075+g&e SachsMgmt412-421-2140 SHADYSIDENearWal- nut spac1BR,den,a/c, w/d,offst.prkg.,hrdwd flrs,$750+. 412-441-4230. SHADYSIDE New2BRin charmVict.,a/c,W/D, prkg.$850+. 724639-3997 SHADYSIDE Renov.& conv.2BRlndry,utils incl$63011-1 412-361-2695 SHADYSIDE RoomyEff- cyPrking,laundry,ap- pls,nrshoping/busway $375+el. (412)661-4448 SHADYSIDE Spac.Eff- cyto4BRapts.Great loc.eq.kitw/w,some HW,Callforinfo.Some offst.prkg.$375-$995+ 412-271-5550,MJKelly SHADYSIDE Spac.3BR, neww/wcarpet,lbfp, sec.bldg.$1275+g&e. WINTERSPECIAL $1100+g&e. 412-462-7316 Shadyside ● SpaciousLuxuryApts. ● One,two&threeBR ● Indoor&lotparking ● Laundry,storage lockers&fitnesscenter ● Professionalstaff/ 24hr.maintenance ● CatsWelcome ● Shorttermleaseavail. SPECIAL1moFREE 1BR’sstartingat$820 412-361-2774 "OpenSaturdays11-3pm" SHADYSIDE Studio,1&2BRApts • FullyEquippedKitchen • Parking • 24-hremergencymaint • Laundryfacilities • FlexibleLeaseterms • Intercomentrancesys. • SwimmingPool* • Balcony* • Hardwoodfloors* • HeatIncluded Shown7days *notavail.inallbldgs. SHADYSIDESummerlea St. Spac.2BRw/Den,eq. kitw/w.$650+elec. 412-271-5550,MJKelly SHADYSIDE ThamesManorApts 585-587S.NegleyAve. 1BRapt.w/Diningroom avail.Call412-441-4947 ApartmentsforRent-East SHADYSIDE Uniqueand charming!$550+el. Immed. 412-441-0500. SHADYSIDE Various1BRsallwithcar- pet,appliancesandother amenities.$425to$695, flexibleocc.date. 412-665-0500 SHADYSIDE/1block Walnut 4BRtwnhs,offstr pkg,buslines.412-683-5440 SHADYSIDE/Bloomfield spac6rms,3BR,3rdflr, dishw,a/c,w/w,wsh/dry, frpl,porchnopets$900+e immed412-371-6905 SHADYSIDE/Friendship Lg.11/2BRinrestored Victorian,allamenities, mantles,hi-ceilings,ga- rage.MustSee.$795+ elec.(inclheat). SLCRealty,412-681-9100 SHADYSIDE/FRIENDSHIP Effcy-1&2BRseqkitw/w prkglndry,gar.avail. $99SECURITYDEP. ● 412-363-1033 ● SHADYSIDE/FRIENDSHIP 412-661-6622 ● Effcy$365UP ● 1BR(s)$440UP ● 2BR(s)$575UP Shadyside/Friendship/ HighlandPark Immed. Effcy’s,1&2BR’s. (412)422-8381 Shadyside/HoweSt. MALABAR Huge1BR,den,sun porch,AC,DW,lndry, privent,carpet,lg.win- dows.$899. www.mozartapts.com SHADYSIDE/PT. BREEZE 2BR,hrdwd flrs,newceramickitc& bath,laun,cr. ✔ .Petsok $695+.(412)773-0908 SHADYSIDE/S.AIKEN NrWalnut,2BR,$700+ Freelndry. 412-373-7940 SHARE-NICESHADYS- IDE 2br,hwdfl,fp, pets,724-462-5612 SQHILL 2BRduplex, 1stflr,$675+. 412-271-5550,MJKelly SQUIRRELHILL BeautifullargeStudio& 1BRElevatorbldgIn- doorparkingavl.On buslinetoUniversities, nearshops. 412-521-7838 Sq.Hill 2BR,w/w,eqgal- leykit,1½baths,lndry, garavail.$695+elec. 412-681-7826;412-241-4477 APARTMENTS AND TOWNHOMES 1-2-3BR *SQUIRRELHILL* *SHADYSIDE* *OAKLAND* 412-683-3810 www.walcap.com WALNUTCAPITAL Sq.Hill & Shadyside 1BR’s&Studio $495- 585+el.Eqkit.HeatIncl NopetsCr ✔ . 412-421-8585 SQ.HILL-NICE1BR Furn.$400+.412-287-9396 SQ.HILL 1&3BR,eq kit,lndry.w/wgreatloc Utilsincl 412-363-1033 SQ.HILL 1BREqkit, W/w,lndry,$425+el. 412-681-7826;412-241-4477 SQ.Hill 1BRHwflrsLrg D/R,porch,eqkit$650+e 412-681-7826/241-4477 SQ.HILL 1BRHWflrs, &w/wcharmingexcloc. Inc.heat. 412-421-1945 SQ.HILL1BR’s, eqkit, porch,nopet,convenient $525-$550.412-422-0204 SQ.HILL 1BR,2ndflr, BartlettnrMurray, conv.loc.avail12/1$495 inclutil.(412)521-1826 SQ.HILL 2232WightmanSt.Pgh. PARKTOWERSAPTS 1BR$545+elec.Free parking,intercom. UNIONR.E.412-288-7800 SQ.HILL 2BR2bath w/den,eq.kit,gar. woodwook,porch.$875 412-271-5550,MJKelly SQ.HILL 2BRSec.,w/w, eqkit,sepDR,largeLR, laundry.$650+elec. 412-681-7826;412-241-4477 SQ.HILL 2BR,1stflr duplex,eqkit,newh/w flr,porch,bsmt, $550+G&E.412-606-8032 SQ.HILL 2BR,LR,DR, gar.laun,$900+avl. immediately.412-371-5136 SQ.HILL2BR,LR, DR, snrm,eq.kit,h/w,$685+ Terrificspace! 412-241-3233 SQ.HILL 3BRdplx.2nd flw/w,hwflrs,eq.kit. yard.412-486-2130 SQ.HILL3BR W/w, LargeDR,eqkit,porch, bsmnt,parking,$850+ 412-681-7826;412-241-4477 SQ.HILL 3BR,ac,w/w,$1025+GE EquityR.E.412-422-9200 ApartmentsforRent-East SQ.HILL 3BR,lndry, yard,DW,nearshops/ buslns,$675, 412-687-1953. SQ.HILL 5737HobartSt. 2BR$600+g/e,c/a,immd 6529Northumberland 2BR$700+all,grg,c/a 412-758-5110 SQ.HILL 6rm,2ba, newrenov,nruniv, pkwy,$800+412-421-3051. SQ.HILL Beautifulnewlyrenov’d. Efficiency$450+ 2&3BRDplxsfrom $850+ (412)441-1400 SQ.HILL BeechApts. Elevatorbldg.Lux1BR apt.CentralA/C,heat incl.Nopets 412-421-8310 SQ.HILL Bright& cheerful3BRdplx,spac inclgar&lndry,manyup- dates.$860+ 412-621-0455 SQ.HILL charmbright 1540sf,3BR,eqkit,snrm hwfl,balc;gardens,exc cnd$950 412-521-7048. SQ.HILL effcy.,$395/ mo.+elecNrbus/shops, clean/conven412-421-4551. SQ.HILL ForwardAve. nearShady.Huge2BR apt.$675+G&E. SachsMgmt412-421-2140 SQ.HILL Great1BR a/c,d/w.$550+GE. EquityR.E.412-422-9200 SQ.HILLHobartSt. Spac 3BR2bathA/c,laundry $1150+. 412-683-7300 JOHNCRKELLYR.E. SQ.HILL Large2BR Newerkit$860+ECG EquityR.E.412-422-9200 SQ.HILL Large3BR H/w$875+GE EquityR.E.412-422-9200 SQ.HILL Large2BR Lrgkit$700+E EquityR.E.412-422-9200 SQ.HILL Large 1BR,DR$690+GE EquityR.E.412-422-9200 SQ.HILL large2BR,eq eat-inkit,offstr.prkg, 412-521-3355,412-859-6687 SQ.HILL Lg1BR,½dplx hdwdflrs,remodkit w/DW,integgarw/lndry $650+, 412-773-0908 SQ.HILL Lge.2BRinrestored Victorian,allamenities, mantles,hi-ceilings.Off st.prkg.$835+elec. SLCRealty,412-681-9100 SQ.HILL Lrg.2BRdplx, bsmnt,gar,porch,lndry. 10/15.$745+. 412-421-8665 SQ.HILL Lrg.remod. 3BR.hwfl,w/w,eqkit/ lndry,$1195;H.incl.412- 461-1442or(724)325-1961. SQ.HILLMurrayAve. 1stfloorDuplex2BR Laundryhkups$675+ 412-683-7300 JOHNCRKELLYR.E. SQ.HILL Spac.Sunny 1BR,sunroom,gar.and laundry,walktoForbes. $690+util. 412-621-0455 SQ.HILL Spacious3BR dplx.HWFlrs,eqkit, launhkups,C/A.$1200+ AvailJan.412-377-0102. SQ.HILL Studios,1,2, 3,4BR’sFrom$425heat included. 412-687-3777 SQ.HILL Sunny2BR,DR,h/wfl, W/D,$1000.412-897-4720. Sq.Hill/Greenfield w/w, 1BR$425+GE EquityR.E.412-422-9200 SQ.HILL/Greenfield1 to 5BR$400-$650;2-4BRhse from$550. 412-422-2648 SQ.HILL/Greenfield ½duplex,2BR,2bath, $575+G&E.724-744-0475 SQHILL 3BR2BaLR DRwsh/drydshwfplc garg$1250+G&E12/1412- 521-8215 SQUIRRELHILL 5531ForbesAve. Large2BR+den,wood flrs,1½baths,newkit, dishwasher,disposal, laundry&garage. NOPETS.$1095+g&e. 412-261-6500 SQUIRRELHILL LUXURYGARDENBLDG. Studio1&2BRApts., ful- lyeqkit,a/c,w/w, swimmingpool,parking &heatincl.$430-$820+ elec.Shown7days. SQUIRRELHILL MaxonTowerApts. Luxury3BRapt.avail. 2baths&balcony. Call412-521-7900 SQUIRRELHILL MaxonTowerApts. LuxurylivinginSq.Hill Call412-521-7900 SWISSHELMParkArea Lrg1BRw/den,2ndflr dplx,eqkit,deck,yard. AvoidSq.tunnel.$495+ 412-271-9200X19 CRAIG/CRAIG SWISSVALE 1BR,2BR, eqkit,w/w,cr ✔ .Callfor moreinfo,412-241-8181. SWISSVALE 1&2BR, w/w,DR,nopets.$250& $430+G&E.724-733-1235 SWISSVALE 1BR $425+el&2BR$500+el. (330)307-4187 Swissvale1BR 1stflr W/w,eqkit,lndryhooks $465+Cr ✔ 412-242-0895 SWISSVALE 2BRnearbusway$500+ (412)271-7678 ApartmentsforRent-East Swissvale 2BRSpacEIK, updated,nearbusway. $450+. 412-271-9200X18 CRAIG/CRAIG SWISSVALE Beauspac,newlyrenov. Section8ok. Nopets.2BR $549+. 412-363-5860 SWISSVALECHARM- ING 2BR,w/w,eqkit, a/c,d/wdeck,convloc. $600+g&e 412-812-1919 SWISSVALE ChurchSt,1 BR,onbusline,remod. From$395+elec.NoPets ShiringAgcy412-823-4400 SWISSVALE NearPost office1roomStudio. $275+el. (412)519-8475 SWISSVALE Quality 1&2BR,LR,DR,eqkit, w/w,$495-$545inclgas heat.Coinlndry CrownR.E.724-864-9720 SWISSVALEStudio 2rms+eqkit& bath,prkg, bus,inclsht.412242-9939 SWISSVALE/Edgewood 1&2BR.Nopets.$415-525. (412)421-8310 TRAFFORD 2BRs,1stflr,eqkit,w/w, $395+util.724-327-1600 TURTLECREEK 1BR, 2ndflr,eq.kit,pvtent., deck,wash/dry,$335+. 412-271-5550,MJKelly TURTLECREEK 6 roomduplex,2ndflr., exc.cond.,nopets,see toappreciate.$550+util. (412)824-2442 TURTLECreek-remod 2br,$380-$460+g&eCred- itCheck.412-398-0399 VERONA 2BRdplx,front porch,bkyd,offstprkg, $490+util.Secdepreq. AvailOct1.412-635-0698. VERONA 2BR,eqkit, w/w,ac,offstprkng,ln- dry,$450+.412-848-3798 VERONA 3BR,½dbl, gar,appls,nopets,credit ✔ ,$595+.412-798-6020. VERONA RiverviewSch. Dist,freshpaint&carpet, 2&4BRdplx.,crd ✔ & refs. 412-401-4039 VERONAspac loft3rd flr.apt,1BR,w/w,appls, launfac.,nosmkng/no pets,nrbus,lowheatbills $400+.724-265-2066 VERSAILLESBORO 1 ⁄ 2 -duplex,newpaint/car- pet,greatshape, ......$525 412-829-2690x-204. VERSAILLESBORO CenterGroveApts. HolidaySpecials ● 1or2BRfrom$475 ● Includesheat ● FullyEquipped ● GreatLocation,reas. priced Mgr412-754-1681or WHITEOAKFARMS EnjoyyourHolidays attheFarm ● Modern1or2BR ● SecurityLocked ● Inc.heatfrom$485 ● Mgr412-754-0332or WilkinsAve/Sq.Hill CHARMING1BR+DEN Fabuloushuge1BRwith den,pvt.entrance,ga- rage,AC,lndry,newer kitwithDW,allutils incl.andgreatSq.Hill location. Just$775. www.mozartapts.com *WILKINSBURG * Hugerenov’dbeautapts. ● 1BR$455+allutils ● 2BR$485+allutils ● 3BR$550+allutils Section8ok. 412-363-5860 WILKINSBURG 1&2BRW/w,eqkit,large closets,layndry,onbus- line.$415to$495+elec. Heatincl.412-371-8211 Wilkinsburg 1BRNear busline,w/w$425+E EquityR.E.412-422-9200 WILKINSBURG1BR, eq.eat-inkitc,hrdwdfls, bus$325+ 412-856-1178 WILKINSBURG 1BR,securitybldg.,ac, laundry.Startingat $395+util. 412-400-4334 WILKINSBURG 2BR. Wallace,ownkitappl;no pets$400+ 412-372-1473. WILKINSBURGHOMES/APT FREERENTINDEC. Call24hrsforlist. (412)243-COMO WILKINSBURG Hugenewlyrenovated1 BR$465+util412-441-1400 WILKINSBURG Lg.1BR, w/w,eq.kit,lndry.Cr. ✔ req.$400-$435+Debbyx28 WILKINSBURG new.re- mod1BRapts.Busin front$425+g&e,secdep $199.Don412-303-0072or Larry412-760-6087 Wilkinsburg NiceStudio Eqkit,w/w,2ndflr,ln- dry,$325+el 412-371-8211 WILKINSBURGPrince- tonPark 2BRduplex, w/w,eq.kit,garage,laun- dryhookups,$455+all. SLCRealty412-681-9100 WILMERDING 1-2BR, sep.heat&ac,w/w,new flrs.Nopets$504-$559+el. Rick,PittProperties (412)823-1250 1114H04.011--Composite

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