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Barnstable, Massachusetts
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April 21, 2006     Barnstable Patriot
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April 21, 2006
 
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¦ rO J. A. ( 1( 1( 1 I M ITf^T IMP Premier Money Market Legacy Checking Home Equity Line of Credit ¦ fl V-^V^ C U Ll V' Savings Account rates as low as ; ¦ W * A A gj y No overdraft fees Prime ¦ 1 nP St nfcJ L jAFr Funds available next day 1 (SiOA I I „ KJ \^V %~ on balances of $10,000 No fee to use other banks' L*\JL A) ¦ f / up to $500 000 ATMs in the U.S. (currently 6.74% APR) ¦ I oiour i J i J i J I £ tjL I ¦ § Jb^2flH| j hCSt* Open a Legacy Checking* account and get our I K T? Very best features and KlteS. You'll enpy no fee to use other banks' il ¦ » , v,.; j ATMs in the U.S."/ no fees foi overdrafts oi overdraft transfers, nexl lay funds availability ^Lu W 'a^j, and more! You'll also be eligible for our Premier Money Market Savings account with a H JK> ^ ( 9 r ¦ *& r^H S ."^M ;' ¦;: '.'' MsL . great rate of 4 25% APY And . discounted interest rates on home equity lines of credit , like WW E *'•<' ^^. ^ ft '¦ ! ^H! ¦ M i ,, J . v . w _J L : ¦ Prime -1.01%. No other Sovereign account offers more. Legacy Checking. Simply the best. H ^S ''***¦ » M i t e F ^B B i ^B ¦ ^* 4 % ft SovereignBank I £ 1.877.SOV.BANK (768.2265) sovereignbank.com I ^w Malta FM 3)06Stuerergr.r V* Eotnnpi Bar* its logo and lantern are service marts of SovereignE3nk or its affiliates or subsidiariesin the United States and other counties Ts- f H2SHH1 ' )-Ji , 6 -' T iji Balance stlO.OOO $499 999 2 00% APY is applied when vout balance is less than S10 000and 3 25% APY is applied Khanfour balance is WOO 000 tr more Annual percentage yields 'APYsHalid on accountsopenedby May 31 2006 and are guaranteed through August 31 2006 but may varv tjweaftei Feesmay reduce earnings Offer limrtedto new 552 recounts *ith new fund' from ara*" financialinstifubon Youmust have or open a Sovereign Legacy "becking accountwith direct depositto open a Ptermer Money Market Savings account and receive the APYs shown above A minimumdeposit of $10 is required to open a Premier MoneyMarket Savingsaccount anda LegacyCheckrrt|account Personal accountsonly "ATM owner may '¦ ¦• « charge a separatefee receivetie 6 r **% APR you must receive a minimum line c* $175 000 and you must have or must open an Ultimate Elite or LegacyChecking account or Premier Money Market Savings account and useautomatic payment tiom any Sovereign checking statement savings or money market savings account The APR assumesyour total mortgage loans inducingyour homeequity line do not e>ceed 90% if the ipprjised.alue of your owner occupied 1-4 family residence in PA N) DC Rl CT MA or NH Rates are subiecf to changeandmay vary monthly based onthe PnmeRate as identifiedinthe Money Rates sectionof /no Will Steel luiml as of the first business day of themonthplus a margin of -1 01% for lines of $175,000 or greater (currently 6 74% APR) a marjin it " Iter lines otSl'KKV' Sr4 9i9'currenll |?24% APR) a marginot - 26% tor lines (rlJ25O0O-i» »W lcunm»» '43 * APR) andamarginot-01%for Tmes ot$10 0O0-S24999icuriently 7 74%APR ) Manmum APR 18% MinimumAPR 1 99% Other rates and terms available Rates accurate as of March30 2006 Thereis a $50 annual fee which is waived if youhave a Legacy Elite or FiestigeCheckingaccount and i$Z20teniwiatn»]lee if you closethe line within 30 months Thereis a $50 friedrate lock fee which is waived for 2006 Property insuranceis required Flood insurancemay be required Applicationssubject to approval andmust be submittedby 5/3172006If yourhomeis onthe markel lor sale at the bme ot appHcabon you are not eligiblefa this offer "No monthl y maintenance fee when you maintain combined checking savings money market savings CO IRA loans and investment balances of $25 000 (enduingmortgages studentloans vehide loansthroughdealers credit card balances MBNA line of credit balancesand the unusedportionof anySovereigncreditline) m M*** 1 HYANNIS 1 r lapfc ^\ . B ML °^S.i *»lCk>-VV ¦ **i f a ** * . \ Ijmf i^^ a\y-l\ s\ 'nM ¦-*" '..^S'^SSSHr^^SB^B^M ' ^> ^r^r^HI3 Hill i l ^^^BnTvEfl Do you have lots of friends who like to visit you on Cape Cod? This spacious 3800 sqft 5 BR 2 BA light & bright Colonial in Hyannis features 13 rooms with lofty 9ft ceilings. Entertain in your oversized great room. Current owners have made vast improvements including windows and heating system. Conveniently located to shopping, schools and public beach. Jack Conway Realtor • Hyannis Office • 307 Falmouth Road • Route 28 www.jackconway.com • Offices • Retail •Apartments • Sandwich • Marstons Mills Available Space Today Exclusive Brokerage- Craig Larson 508-428-9198 ext 12 119 Route 149 Marstons Mills www.exclusivebrokerage.net [ife^ Innovative Programs Competitive Rates Call your Anchor Advisor today 508-420-1222 800-640-4333 Or visit www.askanchor.com ^O ANCHOR J ye^ MORTGAGE COMPANY INC ^X Mortgagesare our only business i fKrjjt f l^ Ioc.illv(>wni'd&Operatedsince 19W I \ ^~» rVIABriikeMMI10144/ Letters to the editor The Barnstable Patriot welcomes letters to the editor. Please keep them brief and either type orprint them neatly. Include name, address and telephone number. Anonymous letters will not be published, but nameswill be withheld upon request. We reserve the right to edit all submissions. THE BARNSTABLE PATRIOT P.O. BOX 1208 HYANNIS , MA 02601 OR E MAIL TO letters@barnstablepalriot.com V? A CALLFOR CAUTION! | j j^Ml^,, Even with interest rates modestly climbing, it's JKTvlHH still a good time to purchasea home. In addition ft^MS to "conventional" loanslike fixed or adjustable rate r^^f jft mortgages,there is an increasing varietyof "exotic" Ai ¦ mortgagesavailable, such as negativeamortization Donna Schulze, and option payment adjustable-rate mortgages, CRS,ABR,SRES justtonametwo. Not every realestateagentisa loan specialist,but an agentcanbegin the discussion,andcanrecommenda lender to guide you. Sinceagentsworksocloselywithmortgagespecialists, the National AssociationofREALTORS*hasteamedwithmeCenterfor Responsible Lendingtoprovideavaluablepublication for homebuyers. "Shopping for a Mortgage?Do Your HomeworkFirst" can be found onNARswebsiteat realtor.comand on theCRLwebsite. Tbebrochure providesinformation about the risksand advantagesofspecialtyloans. While theseloans havehelped more buyers realizethe dreamof hom- eownershi p, therecan be risks. Some speciallymortgagescan increase 50% at the end of the "introductory period.' You may discoverthat you'veacceptedaloan for morehomethanvou canafford. "Interestonly" mortgagesrepresenteda few percentof all loansa few yearsago, but now accountfor nearly 25% or home loans. Perfectfor some,riskyformany,it canbeeasyto qualifybut difficult to budget. It's bestto beginyourhomesearchwith professionaladvice. a COOPERATIVE BANK " A pan oftk Cape.A pan of yearlife." Mortgages for Primary Residences & Second Homes Construction and land Loans Bruce Williams 'n' eres*"On'y and First-Time Homebuyer Programs Residentia l Mortgage Officer 846-1)Main Street/P.QBox 1132 Osterville.MA 02655 ItjJ Cell: 508-364-2405 email: bwilliams@capecodcoop.coni Lm.iSBK I Ma YARMOUTH PORT -BUY ME HrO ; '' (* l>rBl"s i5$Ji&$- OWNER SAYS MAKE AN OFFER SHE ( ANT REFUSE ON THIS MyU, ' **W* "S. i^^Sj»- LOVtLY COLONIAL ON A PRIVArE CUL-DE-SAC WITH ONLY i l l , M ^ SHf ' ' | » | i THREE HOUSES - SAFE FOR CHILDREN TO PLAY YOU HAVE IHflFlafe!" BSJMK»>> LIV1NG ROOM. FAMILY ROOM. 4 BRS, 1 1/2 BATHS, 2 CAR If HW B M™ l& GARAGE UNDER SO YOU NEVER GET WET OR FEEL THE '^flB. ' ff fL:J^LlE- i j>inllMi»»l BES1 PRI< E N0RTH 0F6A JUST DOWN THE STREET FROM 'rjj l"""^ " Z^f S jf c' ' ^' " f OPEN HOUSE SATURDAYAPRIL22nd - ^ ¦ P " ** ' '" -"'^J ' ^i '' | FROM 6A TO BRAY FARM RD. TO10WILLIEBRAY RD. Z ^EAITT ]JANIS GOLD SEARCH ALL MLSLISTINGSAT: IEXECVTI VKS * mr^m ^i*# ^r^^r^fc*^ , , , . L^ " _ J 508-360-8091 www.jamsgold.com TRANSACTIONSHS SPONSORED BY | [508-360-809 1 City Buyer Buyer2 Seller Seller2 Address Price Barnstable Hegarty. Charles M Oshea-Hegarty. Mary F.. Mello. Maureen A Mello, Stephen M 86 Doral Rd $643,000 Barnstable Kaminski. John A Kaminski. Maureen S. Hostetter. Daniel C Hostetter, Priscilla M..18 Parker Rd $915,000 Centerville Scudder. Frederic F Scudder, Sandra A.. Wolf, Barrett J 118 Capn Lijahs Rd.... $287,500 Centerville Byrne. Kelly J Vaillancourt, Louis J. Harrington, John P Harrington, MargaretA.,68 Halyard Way $323,000 Centerville Pyke. Robert T Mazo, Gloria Schwartz. Gloria 156 Old Stage Rd $295,000 Centerville Peckham. Stephen M Russell-Mauntz. Carolyn Russell. William H 105 Park Ave $650,000 Hyannis Hoover, Janel i Luchmi. Diane P Zampmo , Mark E 455 Bishops Ter $205,455 Hyannis Houle. James R Brown.James M 167 Buckwood Dr $200,500 Hyannis Palmer. Leah L Palmer. Michael L.. Ralph C Jenneman RET. Ruskey. Carole D 251 Castlewood Cir.... $206,000 Hyannis Skolnick, Joel H Pano. Paula Marea 558 Craig* BeachRd U:2$155,000 Hyannis Amy Jo Paine T Paine, Robert S Brunelle, Harold S Brunelle, John A 40 Franklin Ave $235,000 Hyannis Niera, Ivan F BDF RT Finlay, P3ulW 73 Isalene Rd $290,000 Hyannis Lucio, Maria C Raggi, Roberta 1029 lyannoughRd U:G ..$185,000 Hyannis Mays. Lawrence D Hoxie. Martin E 41 Pontiac St $280,000 Hyannis Fowler. Francis S Darcy, Gerard T Darcy, Paul P 398 W Main St U:D $148,000 Mashpee Sohmer.Alec G Lopes. Brad Lopes, Cynthia L 15 Beechwood Dr $300,000 Mashpee Mcdonald. John J Mcdonald, Roberta H. Kombert. Daniel C Kombert, Joanne F ... 16 Cedar St $570,000 Mashpee Kilduff . Brian J Kilduff, Done L Langler, Elizabetn H Langler, Peter D 222 Fells Pond Rd $370,000 Mashpee Paradis, Jeanne M Paturzo. Matthew A.. Frank E Manganaro RT...Manganaro, Frank E..381 Great Oak Rd U:30 .$610,000 Mashpee Winston, Ellen M Winston, Kenneth J.. Frick, PeterA 156 Greensward Rd ...$531,000 Mashpee Medeiros, Marie Croft, Susan D Croft,William L 84 Highland St $320,000 Mashpee Shimojo. Lorriann Shimop, fvtasashi... Herzig, Diane E Herzig, Scott M 16 Musket Ln $314,000 Mashpee Cheli, Ronald L Swell, Brenda D Elwell, Richard C 72 Old Colony Dr $275,000 Mashpee Bell. Frances A Poppy Place LLC 11Poppy PI $1,041,184 Mashpee Ryder, Joanne Morey, Nancy L 10 Seneca Ave $320,000 Mashpee Corngan, Lynn Corngan. Dorothy S 20 Ships Anchor Dr.... $250,000 Mashpee Bonner-Macmillian. E Macmillan. Robert J Moms. Jennie S Morris, Raymond J ...191 Simons Narrows Rd.. $360,000 Mashpee Kornfeld, Leland E - Marshall, Susan E 149 Waterway $400,000 Mashpee Copley, John Bruso, Claire Y Bruso, James T 85 Waterway $460,000 Mashpee Ballinger, Karen E Ballinger. Kenneth J. Quinn, Ian D Quinn, Sara E 17WeatherCrescentCir.. $342,500 M Mills Bell, Bruce A Bell, TediM Niven, Carol L Niven, David R 42 Nelson Ln $465,550 M Mills Tesiny,John W Pitchford, Royston 841 Santuit Newtown Rd. $299,000 Osterville Duarte, Came Duarte, NoelT Mannherz, David G Mannherz, KathleenG..109 BayviewCir $525,000 Osterville Vazales Bldrs LLC Deutsche Bank NA T Co 6 Fir Ln $250,000 Osterville Molinski. Bryan Hinckley. Dana J Macallister, Robert D. 193 Parker Rd $510,000 Osterville 358 Wianno Avenue RT Laura Beth T Bagley, David Stegmaier.Bagley-Heath. Irene E.358 Wianno Ave $1,800,000 Sandwich Flynn. Eilene Granite Ridge RT Dacey, Matthew J 8 Bluestone Ter $340,000 Sandwich Driscoll, Christine A Driscoll. Paul J 6 Captain Morgan Road RT.Bryant, John W 6 Captain Morgan Rd. $460,000 Sandwich Mumma, Jennifer L Mumma, Kevin L Rose,Amy Rose, Sharyn R 11FeakeAve $318,000 Sandwich Brennan, Marsha J Brennan, W David.. Firethom RT Eldridge, Peter B 3 Firethome Ln $895,000 Sandwich Cistoldi, RalphA Moon, Gail A Moon,Thomas H 8 Firethome Ln $1,290,000 Sandwich Condon, John J Condon, PauletteV.. Shields, Cynthia R Shields, Robert M 1Ground Cover Ln $775,000 Sandwich Judson, ToddA Anthony, EdithG Anthony, Gary M 6 Harbor St $269,000 Sandwich Root, Cora Lou Horton, Paul C Ryan, Daniel C Ryan , M Beatrice E ...13 Hilltop Dr U:13 $240,000 Sandwich Kleekamp. Russell H Newman, Diane E . Olson, Diane E 14 Joe Jay Ln $342,500 Sandwich Mcmanamin . Lisa Mcmanamm Thomas . Malesco Carolyn A 5 Latimer Ln $320,000 Sandwich Mattson, Erik J Mattson. Kristin Larson. Leslie A Larson, Scott R 2 Lichen Ln $490,000 Sandwich Carullo. Marc Varvaro. Sara Mae Misiaszek, Nancy A Misiaszek, Theodore .3 Naumkeag Rd $374,500 Sandwich Perry, John J Perry, Rebekah E. .. Blackwatch LLC 29 Thicket Run $250,000 Sandwich Thompson, Patrick E Sheridan, Tammy M. Mccabe, Barbara F Kingston, Joan M 6 Triangle Cir $297,500 Sandwich Manganaro, Frank E 945 Providence Hwy RT..499 Route 6A Inc 5 Wintergreen Ln $899,000 Yarmouth Kelly, Lorraine F Kelly, William F Saulnier-Fortin,Annette 2April Way $280,000 Yarmouth Regan. Patricia A Elderkin. Erin P Elderkin, Eugene E....147 BerryAve $315,000 Yarmouth Poschmann. Janet M Ernst. Mathew Decoteau RET Decoteau, Leo H 9 Calico Rd $330,000 Yarmouth Gallagher. Susan Dean Villages At Camp St LLC 121 Camp St 11:130.... $259,900 Yarmouth Rosa. Osmira M Villages At Camp St LLC 121 Camp St U:9 $277,560 Yarmouth Nunes. Guilherme Nunes. Simone E ... Everts. Shirley N 19 Captain Noyes Rd... $315,000 Yarmouth Croft. Susan D Croft, William L . Beatty, Paul F 24 Danas Path $325,000 Yarmouth Schmidt, Gail Schmidt. Ralph Johnson, Floyd E Johnson, Helen B 16 Driving Tee Cir $413,000 Yarmouth Sliwoski, Ariene F Sliwoski, David C... Konstantinou,Anya A Konstantinou, Stavros.11 Halyard Rd $385,000 Yarmouth Widger. Judy Lynch,TimothyT 15 Manchester Rd U:15$201,00C Yarmouth Stein. Mark H Gentil, Patricia A Katherine M Brodeur NT .Brodeur,Arthur C 72 N Main St $300,000 Yarmouth Knauer. David G Knauer Mary Judith TerrillNT Terrill, Jessica D 30 N Sandyside Ln $750,000 COPYRIGHTED MATERIAL PREVIOUSLY PUBLISHED IN THE BANKER & TRADESMAN ,A WEEKLY TRADE NEWSPAPER.