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Alpine, NY Mortgage Refinance in New York

We make it easy to get the lowest mortgage refinance interest rate in Alpine, NY.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Alpine, NY residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in Alpine, New York drop below the rate of your current mortgage.  With a lower interest rate, you'll save money on your mortgage payment every month.  Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate

With adjustable rates on the rise Alpine, NY residents can benefit greatly from refinancing your home for a low fixed rate.  These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash.  You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt.  How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI

Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.

Save Thousands in Interest

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years.  Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan.  However, in the long-term you are saving thousands in interest.  And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

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Refinance Savings Calculator
Refinance APR Calculator
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Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis 
Understanding Your Credit
Your Interest Rate

" Traditional banks make their customer fit the loan; at Somerset Mortgage Lenders we make our loan fit the customer. "

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Alpine, New York News
People in the Twin Tiers

Kuppe was awarded a college scholarship from the Hearing Loss Association of America and is the recipient of the New York State Lottery Leaders of Tomorrow Scholarship and the college's Board of Directors Award ...


Monitor

Individuals charged with criminal offenses noted in this column will face a court proceeding to determine whether they are guilty of the charges.


Poker Run will spread Spirit of Schuyler

Spirit of Schuyler is taking its show on the road with a group of folks known for their generosity and for having a good time.


Ride honors fallen soldiers

Rolling Honor rumbled into Don and Bertha Phillips' driveway aboard four Harley-Davidson motorcycles Sunday afternoon in the rain.


Healthy choices at the park

Eating in a healthy way has never been easier, especially at the Wisner Market. Many vendors offer organic and healthy options every Thursday from 10 a.m. to 2 p.m. at Wisner Park in Elmira.


Wisner Market opens Thursday with new vendors

Herbal products and wine will be among the offerings of several new vendors joining Wisner Market this year as organizers of the weekly event prepare to begin its 12th year.


Monitor

Individuals charged with criminal offenses noted in this column will face a court proceeding to determine whether they are guilty of the charges.


Ethiopian Reta easily wins Lilac 10K

"I ran a fast first mile to see if anyone could go with me, and no one did."

Professional runner Alene Reta of Manhattan easily defended his Medved Lilac 10K title today, winning the 30th annual road race by 25 seconds in a field of 994 finishers. via Democrat & Chronicle


Military news

Army PFC Abbey Darling graduated April 10 from Basic Combat Training from Ft. Leonardwood, Mo. via Ithaca Journal


Police record

*James R. Ryan, 29, of West Water Street in Elmira, was charged May 7 with second-degree criminal contempt. *Melissa A. Nichols, 46, of Horseheads, was arrested May 5 on a warrant charging her with theft of services. *James H. Squires, 43, of Elmira, was arrested May 5 on a warrant charging him with second-degree criminal contempt. *Gerald M. Palmer, 45, of Elmira, was arrested May 5 on a warrant charging him with petit larceny. *Amber J. Harvey, 21, of Elmira, was arrested May 5 on a warrant charging her with facilitating aggravated unlicensed operation of a motor vehicle. *A 17-year-old Elmira boy was charged May 5 with second-degree criminal contempt. *Marcus Shazer, 21, of John Street in Elmira, was charged May 5 with unlawful possession of marijuana. *Kimberly Y. Cheatham, 35, of South Main Street in Elmira, was charged May 6 with third-degree aggravated unlicensed operation of a motor vehicle after a traffic stop on Harmon Street. *Jovon Moss, 21, of Elmira, was arrested May 7 on a warrant charging him with fifth-degree criminal possession of stolen property. *Michelle A. Jones, 21, of Elmira, was arrested May 7 on a warrant charging her with obstruction of governmental administration. *Daniel A. Ford, 23, of Elmira, was arrested May 7 on a warrant charging him with petit larceny. *David E. Terry Jr., 23, of Veteran, was charged May 7 with third-degree aggravated unlicensed operation of a motor vehicle after a traffic stop on Fulton Street. *Valeria L. Ketchum, 20, of Elmira, was charged May 8 with felony driving while intoxicated after a traffic stop on Spaulding Street. *Sara Eddy, 28, of Alpine, was charged April 1 with fourth-degree grand larceny. *Brion L. Peters 32, of Gillett, was charged April 1 with aggravated driving while intoxicated, third-degree aggravated unlicensed operation of a motor vehicle and unlawful possession of marijuana after a traffic stop on Wyncoop Creek Road in Van Etten. *Michael J. Golotty, 20, of Corning, was charged April 2 with second-degree burglary. *Shawn R. DeProspero, 23, of Elmira, was charged April 2 with unlawful possession of marijuana. *Anthony L. Thompson, 39, of Elmira, was charged April 2 with speeding, broken tail light, expired inspection certificate and unlawful possession of marijuana after a traffic stop on Broadway in Southport. *A 17-year-old Elmira girl was charged April 3 with underage possession of alcohol. *Damon R.E. Morris, 41, of Elmira, was charged April 3 with third-degree assault and second-degree harassment. *Ronald P. Middaugh, 47, of Elmira, was charged April 4 with second-degree assault. *Erin M. Hazen, 19, of Elmira, was charged April 4 with fifth-degree criminal possession of stolen property and petit larceny. *Andrew S. Hazen, 25, of Elmira, was charged April 4 with fifth-degree criminal possession of stolen property. *James E. Stage, 65, of Lowman, was charged April 6 with unlawful disposal of solid waste. *Daniel F. Walker, 22, of Elmira, was charged April 6 with second-degree aggravated harassment and endangering the welfare of a child. *Jeffery A. Palski, 33, of Elmira, was charged April 7 with felony violation of probation. *Pamela T. Nagel, 19, of Rock Stream, was charged April 8 with petit larceny. *Arthur V. Alpaugh, 30, of Ridgebury, was charged April 8 with petit larceny and false personation. *Dustin E. Maldonado, 18, of Rochester, was charged April 8 with third-degree aggravated unlicensed operation of a motor vehicle, unlawful possession of marijuana and speeding after a traffic stop on state Route 17 in town of Chemung. *Donnell W. Lattimer, 40, of Elmira Heights, was charged April 8 with petit larceny. *Joshua M. Strong, 18, of Elmira, was charged April 9 with unlawful possession of marijuana, unlawfully dealing with fireworks and littering. *Jeffery C. Dinkins, 40, of Decatur Street in Corning, was charged May 6 with petit larceny and seventh-degree criminal possession of a controlled substance at Wal-Mart in Erwin. *David A. Morley, 34, of Troupsburg, was charged May 4 with driving while intoxicated, having a blood-alcohol level greater than .08 percent and failure to stay in lane. *Eric A. Vosburgh, 25, of Campbell, was charged May 4 with driving while intoxicated, having a blood-alcohol level greater than .08 percent and failure to keep right. *Vanessa L. Lewek, 30, of Lamphear Court in Corning, was charged May 8 with fourth-degree stalking. *Michael W. Deberardinis, 29, of Watkins Glen, was charged May 3 with third-degree assault. *Two girls, ages 16 and 17, both of Athens, were charged April 30 with second-degree burglary and petit larceny. *Paula A. Larson, 23, of Port Allegany, was charged May 3 with possession of controlled substance, possession of drug paraphernalia and disorderly conduct. *Terry M. Clark, 20, of Roulette, was charged May 4 with driving while intoxicated, theft and receiving stolen property after a traffic stop on Dingman Run Road in Hebron Township. A 16-year-old boy also was charged with theft and receiving stolen property. via Star-Gazette


Announcements for May 4, 2008

Lorene A. Keem and Ian G. Barulich, both of Hamburg, NY will be married October 31, 2008 in Alpine, NY. via Star-Gazette


No one injured in Alpine fire

A fire Friday morning on Oak Hill Road in Alpine caused damage to a house, but no one was injured in the blaze. via Star-Gazette


Shelter plans event for Prevent Animal Cruelty Month

"More families in our own community are adopting, and we think that's wonderful"

During April, the Humane Society of Schuyler County will host a special adoption event, A Month of Sundays. via Star-Gazette


School bus triggers crash

VETERAN -- A Pine City woman was injured Wednesday afternoon in a three-vehicle accident on state Route 13 that included a school bus. via Star-Gazette


Police Record

*David L. Barrett, 48, of Alpine, was charged Feb. 2 with petit larceny. *Zachary J. Cornell, 21, of Watkins Glen was charged Feb. 11 with petit larceny. *Richard S. Brown, 46, of Montour Falls, was charged Feb. 16 with felony driving while intoxicated, failure to signal and moving from lane unsafely after a traffic stop on state Route 14. *Stephen S. French, of Horseheads, was charged Feb. 6 with driving while intoxicated. *Ira Heyward Jr., 47, of West Water Street in Elmira, was arrested Feb. 10 on a warrant charging him with being an unlicensed driver. *Melissa M. Tulachanh, 37, of Lower Maple Avenue in Elmira, was charged Feb. 10 with driving while intoxicated and third-degree aggravated unlicensed operation of a motor vehicle after a traffic stop on North Main Street. *Curtis L. Cook, 18, of West Fifth Street in Elmira, was charged Feb. 9 with third-degree aggravated unlicensed operation of a motor vehicle after a traffic stop on West Fifth Street. *Brian J. Martin, 20, of South Main Street in Elmira, was charged Feb. 10 with unlawful possession of marijuana. *Aaron M. Nichols, 25, of Pine City, was arrested Feb. 10 on a warrant charging him with second-degree aggravated harassment. *Andrea M. Kent, 27, of Elmira Heights, was arrested Feb. 11 on a warrant charging her with welfare fraud. The addresses listed in record items -- the last known residence of the accused or the address the person gave to law enforcement officers -- are obtained by the Star-Gazette from police or court records. via Star-Gazette


Police Record

CHEMUNG COUNTY SHERIFF *Joshua R. Humphrey, 19, of Charles Street in Elmira, was charged Dec. via Star-Gazette.COM


Chaffee-Franklin

Dixie Marie Chaffee and Joseph John Franklin were married on August 12, 2007 in an outdoor ceremony at The Fontainebleau Inn in Alpine, New York. via Ithaca Journal


Local races dominate Tuesday's ballots

Tuesday will be a busy day at the polls for Twin Tiers residents. Southern Tier voters will decide mayoral, city council, county legislature, treasurer and state Supreme Court justice races in Tuesday's ... via Star-Gazette


Schuyler voters choose legislators, treasurer

"The economic outlook for Schuyler County really depends on what we as leaders put into it"

WATKINS GLEN -- Voters in the towns of Orange, Reading and Tyrone will select their county legislators on Tuesday, while all Schuyler County voters will consider candidates for county treasurer. via Star-Gazette


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