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Promote wellness in your community, attend the Wellness Fair on May 12th at the LeRoy Village Green, RHCF, located on 10 Munson St. in LeRoy from 2 p.m. to 5 p.m.
This event is open & free to community!
 
Participating Vendors:

• LeRoy Village Green Residential Healthcare Facility
• The Greens of LeRoy, Senior Independent Community
• Selby Davis
• LeRoy Physical Therapy & Village Fitness
• LeRoy Athletic Club/ Kettle’s Gym
• Alzheimer's Association of Western New York
• United Memorial Medical Center
• Main Street Fitness
• University of Rochester, LeRoy Medical Associates
• Catherine Rhoads, Licensed Massage Therapist
• LeRoy Central School
• GCASA
• American Cancer Society
• Ladies First Fitness
• Durable Medical Supply
• Cheryl Cowie, Norwex
• Walgreens
• Tracy’s Teas
• LeRoy Police Department
• Genesee County Office for the Aging

The Genesee County Business Education Alliance (BEA) is an organization whose mission is to foster a partnership between business and education, and to assist students in preparing for the world of work. Housed at the Genesee County Chamber of Commerce, the BEA creates and implements programs that are designed to create a stronger workforce for businesses in Genesee County.

This Summer the BEA will host eight Career Exploration Camps for up to 220 students in grades six through nine. Registered campers will experience careers from Culinary Arts to Animal Science, to construction and medical careers. Each camp provides hands‐on training and amazing experiences for them in their selected career, and exposes them to the array of careers available right here in their own community. Parents can go to www.beaGenesee.com to learn more about the Summer Career Camps and to register.

These camps are subsidized through donations, sponsorships and volunteerism to keep them affordable for our students and their families. If your business would like to be a camp sponsor and promote our future workforce, please contact Beth Kemp at the Genesee County BEA at (585) 343‐7440 or bkemp@geneseeny.com.

Follow us on Facebook to stay up to date with current specials and sales. Follow The Hidden Door. Follow Pollyanna & Dot. Two chic stores in one, 202 E. Main St. in Downtown Batavia.

Amazing Fiber Optic Speed and Savings from Empire Access. Sign up today, just $44.95/month for 100 Mbps Interent and phone with up to 100 Mbps download/20 Mbps upload!
Fiber Optic Internet is perfect for video streaming, gaming & more. Special offer includes FREE WiFi. 
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Super charming great location and well maintained are just a few good reasons that you will want to look at this great income property! This solid two family home is the perfect owner occupied investment property -the lower apartment features large room sizes pretty hardwood floors and super open and spacious kitchen dining area for entertaining. Upper apartment is spacious and is 2 possible 3 bedrooms with laundry hookups. All separate utilities and large parking area and within yards of everyone's fav coffee shop makes this an easy to live/rent property! Call Lynn Bezon at Reliant Real Estate today - 585-344-4663! Click here for listing information.

Live Music Friday, April 22nd, Rebels Posse 9:30pm - 1:30am! Stop in and try our lunch specials starting at $5.99 on Monday through Friday from 11 a.m. -- 3 p.m. or our famous breakfast specials on Saturday and Sunday mornings from 8 a.m. -- 1 p.m. Join the Mooney’s Mobile VIP Club now and get $5 off your purchase of $25 or more. Text MBG3 to 51660. Plus stay tuned for more inside offers and updates. Mooney’s Sports Bar & Grill, 65 Lake St., LeRoy, NY. 585-768-4949. Click here to visit our Facebook page.

5 Tips for first‐time home buyers: The home buying season is right around the corner and could be here even earlier with the mild winter we’ve had. Buying your first home can be exciting, but also stressful. While making a purchase like this, it is helpful to know what needs to be done beforehand. Here are five tips to get you started so you can hit the ground running:

1 – Check your credit report and score. Before applying for a mortgage, check your credit report and fix any errors. You’ll also want to check your credit score, which is a direct reflection of consistent payment history, current income and amounts owed on additional accounts. Improving and knowing where your credit score stands could potentially save you thousands of dollars throughout this process by getting you a lower interest rate. To get a free copy of your credit report from the three major credit bureaus, visit www.annualcreditreport.com. While your reports are free, there might be a nominal charge to obtain your score. 

2 – Get pre‐qualified and pre-approved. Understanding how much you can afford before you buy is important to a successful home buying experience. By becoming “prequalified,” you’ll first look at your overall financial situation and determine how much you can afford each month for your mortgage payment. From there, a mortgage representative can help you understand how much mortgage you could likely qualify for. Becoming “preapproved” requires more documentation information. While it is not a formal mortgage commitment, it does include loan terms and conditions that will help show sellers you’re a serious buyer. 

3 – Learn about loans. Each type of mortgage is different, so it is best to know which type of loan works best for you. The most common are Fixed‐Rate or Adjustable‐Rate mortgages. With Fixed‐Rate mortgages, principal plus interest payments remain the same for the life of the loan. With Adjustable‐ Rate mortgages, the interest rates can fluctuate after an initial period, causing the total monthly payment to change periodically. Another option to consider when selecting a mortgage is the term or length of the mortgage loan. The most common term is for 30 years but many mortgage lenders also make mortgage terms for 15 or 20 years available too. With shorter term options, the borrower can expect to pay off their mortgage sooner (and own the home outright) but will typically have a higher monthly mortgage payment. Understanding the different mortgage options and working with an experienced mortgage representative to find the right mortgage option for your own situation will help you feel as comfortable with your mortgage choice as you do in your new home. 

4 – Look for special programs. Some lenders offer programs that provide home buying assistance for qualified buyers. This can provide borrowers with grants or other incentives to make the home buying process more affordable. For borrowers who may not have the funds for a larger down payment and meet certain qualifications may find that an FHA (Federal Housing Administration) loan is the right option for them. The First Home Club^sm is a program sponsored by the Federal Home Loan Bank of New York, provides income eligible and approved participants who satisfy all conditions of the program a grant of up to $7,500 through a match of $4 for every $1 that is saved in a special savings account.

5 – Know your closing costs. Closing costs are charges and fees associated with closing of a real estate loan. These can range from 2‐6 percent of the purchase price of your home and can typically include loan processing fees, appraisal fees, credit report fees, mortgage insurance, hazard insurance, title insurance, recording fees, surveyor fees, and up‐front property taxes. Calculators are available to help you estimate these expenses up front to help you better budget for your closing.

Following simple steps like these will make the home buying process smoother and more enjoyable. For more tips and resources as you prepare to buy a home, just stop in any of our branches or visit us online at www.ESL.org.

Mary Blevins is the branch manager at the Batavia office of ESL Federal Credit Union. She oversees branch operations, including loan and shares, compliance policies and the management of branch personnel.​