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Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania • Page 20
A Publisher Extra® Newspaper

Pittsburgh Post-Gazette from Pittsburgh, Pennsylvania • Page 20

Location:
Pittsburgh, Pennsylvania
Issue Date:
Page:
20
Extracted Article Text (OCR)

Pittsburgh Post-Gazette: Saturday, November 6, 1993 UREAL ESTATE TRANSFERS County PITTSBURGH yard Urban Redevelopment Authority of burgh to Daniel J. Waldman et 1 628 Watson St300. -6th Ward -Eastside Alliance Polish Hill Civic Association to David and Debra Bartczak, 3012 Wiggins $78,415. 7th Ward E. Hepner to Anthony E.

Harris '8 Bayard St. 701, $43,500. Alan F. Imhoff to N. Rauk, 5434 Brownell $155,000.

flichard S. Hamilton to Joyce M. Allen, 3 Hagy "Place, $32,900. Andrew H. Kind to Lois A.

Wtrotey et 61 12 Kentucky $240,000. Q. lacovetti to Myron and Joan R. o'2wierman, 922 St. James $185,000.

th.Ward Estate of Friedrich L. Wolfram et al. to Dieter Peitzsch, commercial property, $500,000. Jjhael DeLecce Jr. to Nicholas J.

Coles, 331 mmfmrnoum St. $51 ,000. John M. Shaginaw to sBtswnfield Garfield 235-237 Millvale $1 (state deedtransfer stamps indicate a 14j0f 'jJJJJWard fioeg W. Runco to Andrew J.

Schubert, $67,000. Richard A. Borecki to ottilrtes J. and Kathryn M. Brannigan, 174D mSiaoD Way.

$5,000. Marion A. Stack to Karen L. Lydia $15,000. GMAC Mortgage Corp.

of PA to Timothy I. and Karen M. Kelly, 1032 Welter $32,900. 16th Ward Gerald Izaj to Resolution Trust Corp. Concord Liberty S.

by sheriffs deed, 2301 Patterson $2,343. 17th Ward Harry W. Miller Jr. to Deborah Orpen, 47 14th St. $32,000.

Ann Wasylik to Sandra A. Wasik, 1014 Bradish $38,500. 18th Ward John M. Fink to Robert E. Fulton, 431 Chalfont $8,000.

Nancy Canchola Guzzi to Tyrone and Pamela J. Brazil, 406 Edgemont $43,000. Duane K. Miller to Christopher D. and Zanae L.

Taggart, 213 Industry $34,000. 19th Ward Joseph Paonessa Jr. to Housing Authority of the City of Pittsburgh, property, Berkshire Ave. and Pioneer $23,000. Roger T.

Modrak et al. to George V. Copetas et al. and Helen G. Copetas, 2372 Birtley $66,600.

Robert Pieretti to Housing Authority of the City of Pittsburgh, property, Broadway $16,000. HermanC. Jones to DrewD. Dauer, 157 Cowan $59,000. Osama Al-Bassam to John D.

and Sherri Fedunok, 714 Fernhill $57,000. Robert J. Bahr to Stephen R. Kleppe Jr. and Patricia A.

Kleppe, 527 Fordham $66,000. Secretary of Housing and Urban Development to Barry T. Lowen, 1845 Kiralfy $36,540. Jean E. MacPherson to George C.

Soilis, 194 Oneida $49,500. Nancy Cochran to Gail McCammon, 2802 Sageman $56,500. Estate of Emanuel C. Grandinetti to James T. and Joyce R.

Herron, 93 Westwood $31 ,000. Timothy R. Watts to Bonnie J. Hassan, 1021 Woodbourne $48,500. 20th Ward John J.

Fedor et al. to Raymond E. and Nancy J. Rowe, 735 Municipal $38,000. ITT 11th Ward Anjo Investments to Housing Authority of the City of Pittsburgh, real estate, Callowhill $23,000.

Blazer Consumer Discount Co. to Andrew G. Tsounos, 1422 Euclid Ave. $55,000. Daniel J.

Bradley et al. to June D. Lloyd, 542 Fairmount Ave. $31 ,000. Estate of Mary Lou Ellard to Denise M.

Dusch, 6309 Jackson $22,500. Marvin Patrick et al. to Dossie L. Adams et 5413 Rosetta $1 (state deed transfer stamps indicate a value of $1 Chester Maciejewski Jr. et al.

to Mark J. and Ruth Morsillo, 5466 Rosetta $13,500. 13th Ward Veterans Affairs to Kathleen Murray, 7146 Kedron St. $22,500 (state deed transfer stamps indicate a value of Secretary of Housing and Urban Development to Cortrell Q. Thomas, 7443 Race $9,500.

14th Ward Shaaray Tefillah Congregation to JCO 5741 Bartlett $370,000. David Close to K. Thomes, 2872 Beechwood $41,700. Adolph Reed to Zinovy and Lyubov Geshiktor, 2404 Beechwood $68,000. Craig A.

Newmark to Michael J. and Anne L. Kolar, 104 Maple Heights Road, $207,500. Po Lim Tiu to Leonard D. Mazefsky, 6354 Morrowfield $82,525.

KLS Development Co. Beechwood to Daniel R. Sosso Builder property, Rose-mont Place, $74,550. Robert Lyman to Joseph E. Muller and Judy T.

Harford, 431 1 Saline $69,900. Martin A. Rich to Ras M. and Gita R. Jani, 671 6 Thomas $70,000.

15th Ward Carmine P. Conicella to Melissa M. Schuetz, 4111 Beehner Road, $82,000. Charles Berlin et al. to Michael S.

and Natalia Kott, 1123 Greenfield $61,000. Arthur E. Collins to Frederick W. Crum II, 4028 Hoosac $10,000. Winifred V.

Guiney et al. to Housing Authority of the City of Pittsburgh, property, sensor Solenoid X- Consumer Discount Co. to Geno Mazza, 659 Sherwood $35,000. Eleanor P. Hogan to Joseph A.

Cortese, 2523 Silver Oak Drive, $94,000. ITT Consumer Discount Co. to Geno M. Mazza, 814 Walbridge $25,000. Denise A.

Macha to Glenn A. Miller, 2620 Winchester Drive, $36,000. 21st Ward Ruth Lane to Toby and Zenora A. Henderson, 1303 Island $33,000. James Copeland to David Swiech et 5725 Lauder St.

$36,950. 22nd Ward George Laush to Allegheny General Hospital, institutional site, 1219 Sandusky $4,000. 24th Ward Estate of Cecilia Raboch to Edward J. Metzger commercial property, 1108 Province $5,000. Walter J.

Schutzman to James Schutzman, 2107 Straubs Lane, $20,000. 25th Ward Spring Hill Savings Bank FSB to Janice L. Giese, 404 Catoma $18,375. City of Pittsburgh to Essie Humphries, 628 Chautauqua $501. 26th Ward Curtis Williams to Alliance Mortage Co.

by sheriff's deed, 2230 Federal $1 ,555. Secretary of Housing and Urban Development to Orlando Tot et 2703 Norwood $4,000. Vinson D. Baker et al. to Doyle E.

Brown, 2804 Veteran $14,900. ChrisS. Peworchiketal.to John M. and Christine Hlusko, 1 00 Waldorf $69,000. 27th Ward Sarah Colorossi to Raymond A.

Walsh, 3960 Brandon Road, $1 (state deed transfer stamps-indicate a value of Stephen T. Michalski to Secretary of Housing and Urban Development by sheriff's deed, 1245 Dickson $2,854. Thomas C. Toomey to B. Pauline and Joseph A.

Jencik, 1002 Smithton $4,500. Robert A. Reddick Jr. to Thomas J. and Cynthia M.

Hunkele, 1104 Stanford Drive, $68,250. 28th Ward David M. Locke to Dixanna Kingsford, 1340 Ban- $68,000. LeRoy Thompkins et al. to Robert A.

and Dolores C. Paulin, 1529 Harlow $26,000. 29th Ward Spring Hill Savings Bank to Perry J. Velisaris commercial property, 2609-261 1 Brownsville Road 261 1.5, $120,000. 32nd Ward Michael E.

Tyminsky to Housing Authority of the City of Pittsburgh, real estate, Whited $28,500. Aleppo Minnock Contruction Co. to Graham Espin, 422 Rockledge Drive, $198,041. Aspinwall Margaret L. Russell to Lindsay A.

Taylor, 407 Guyasuta Lane, $60,500. Avalon Kenneth G. Noble to Cathleen M. Christoff, 1 1 5 Chestnut St. $46,400.

Howard R. Keener to Clyde and Sandra J. Denton, 205 Harrison $39,900. Baldwin Borough Eileen P. Devaty to Anthony M.

Barbano, 5243 Broadlea Road, $97,000. Daniel W. Bockstoce to Robert J. and Denice Vitunic, 3029-3031 Hazelhurst $84,500. Albert A.

Colbert Jr. to Ray J. and Janis Senneway, 321 Johns Road, $95,000. Mark A. Todaro to Allen E.

and Helen J. Renshaw, 4740 Norma Drive, $73,000. Lawrence V. Adams to Jay W. and Diana L.

Jones, 616 Penn $63,000. Litton Mortgage Servicing Center Inc. to Ronald C. and Barbara L. Rick, 1472 Senior Drive, $17,500.

Baldwin Township Robert Pardini to Christine A. O'Kain, 835 Middle Road, $65,000. Bellevue Elizabeth T. Saad to J. P.

and Anna G. Robbins, 70 Florence $73,000. Frank P. Marckisotto to Richard J. Tillilie, 624 West $526,071.

Ben Avon Joan J. Kyes to Dana D. Love, 7308 Church $1 29,900. Mark J. Lynch to Mary Ann Hall et 1 76 Dickson $1 1 0,000.

Estate of Rita M. Lucas to Steven D. Langhurst, 209-21 1 Park $28,000. Bethel Park Cecilia C. Greb to Barry D.

and Cynthia M. Mang, 369 Broughton Road, $67,000. James M. Leddy to Edmund A. Luck et 6669Chapel Drive, $132,500.

Jeffrey L. Deiley to Gilbert W. Penner, 3231 Elderwood Drive, $82,500. Donald Gemeinhart to Eugene and Palma DeBor-toli, 535 Florence Drive, $125,000. Curt D.

Marino to D. Stephen Ferito, 5820 Irishtown Road, $155,000. LW Molnar and Assoc to Paul J. and Donna M. Lampo, 168 Old Village Lane, $88,900.

Estate of Geraldine M. Crossan to James E. and Deborah S. Coffiek), 21 3 Orchard $69,900. Dorothy E.

Michaels ak Micahels to Thomas W. and Susan F. West, 720 Rolling Green Drive, $1 15,000. Earl Danielson to Brian and Wendy L. Ostrem, 1 6 1 Stonewood Drive, $146,550.

Lloyd T. Rounds to Bridget S. Butler, 709 Timberidge Drive, $63,500. Brackenrldge Eleanora A. Easley to Harry L.

and Dorothy Y. Mangol, 946 Morgan $52,000. Brentwood Elizabeth Chapman to Lona D. Eperthener, 208 Kaufmann $62,500. John W.

Sech to Donald L. and Kathleen A. Fosbrink, 31 25 Willet $69,000. Edmund A. Luck to Maureen A.

Donohue, 3788 Woodrow $64,000. 2201 Washington $25,000. Green Tree Edward Byers et al. to Frederick H. and Eileen Henefeld, 149 Aria 19,000.

Dean E. Will to Eleanore F. Walker et al. trustee, 1 1 27 GreentreeRoad, $124,000. Gary J.Colosimoto Robert G.

Behers Jr. and Maureen L. Behers, 118 Rothesay $130,000. Hampton William C. Sterckle to Madia Homes property, Big Rock Road, $10,000.

Alice Antolic to Madia Homes property, Big Rock Road, $5,000. Ryan Homes to Frank M. Ribich, 2794 Drake Court, $82,650. Ryan Homes to Michael W. and Kristen A.

McDermott, 2796 Drake Court, $88,200. Wayne Gazzo Custom Homes Inc. to Robert L. and Virginia' G. Mayer, property, Hermitage Court, $68,000 (state deed transfer stamps indicate a value of Brian F.

Croissant to Heidi M. McKenna, 4999 Meadowridge Lane, $116,500. Lois M. Erring-ton to Vincent P. Rutledge, 481 7 Pioneer Road $59,000.

Maronda Homes Inc. to Robert J. and Janet Bartley, 4986 Summit Drive, $1 26,035. Maronda Homes Inc. to JamesL.

and Maureen H. Weinheimer, 3150 Sundance Court, $127,105. Spagnolo Builders Inc. to Frank J. Demor, Villa Drive and Chablis Court, $375,000.

Cardiff Farms Development Corp. to John A. and Ruth A. Brown, property, Wallace Road, $1 (state deed transfer stamps indicate a value of $5,532) Ireno Colucci to George and Stacy Geraci, property, Walters Road, $27,000. Harrison Ronald L.

Musselman to Nancy G. Kelly, 2614 Meadow $37,900. Heidelberg Daniel E. Bubno to Robert F. and Kimberly A.

Rogers, 1742 Walnut $75,000. Indiana First Pennsylvania Home Corp. to Richard C. and Janet O. Aradine, 307 Blue Run Road, $239,900.

Maronda Homes Inc. to Tze K. and Bettina F. Ip et 3218 Waterford Court, $182,695. Maronda Homes Inc.

to Robert E. and Traci J. Stewart, 3210 Waterford Court, $190,810. Ingram Gary P. Smith to Jahn H.

and Vicki C. Mentzer, 1 86 Prospect Ave. $91 ,000. Jefferson Karen Abrasheff et al to Walter A. and Alice B.

Meyer, 554 Coal Valley Road, $1 40,000. Jefferson Woodlands Assoc to James R. and Susan J. Morgan, property, Jefferson Drive, $35,000. Janice R.

Felix to Martin J. and Denise M. lippert, 469 Pearson Road, $132,000. Ronald A. Maville et al.

to ITT Residential Capital Corp. by sheriff's deed, Box 220B Ridge Road RD 4, $2,419. Kennedy Ewing Manor Assoc to Patrick A. and Carol A. Marino, property, Ewing Road, $69,900.

Josephine C. Pasquarelli to Francis J. and Martha L. Bagdes, 2 Greenwood Road, $115,000. G.

Joseph Franz to Dennis C. and Carole A. Mahoney, 455 Herbst Manor Road, $142,000. Robert Berney to David P. and Zina S.

Dripps, 5070 Windriver Drive, $138,000. Leetsdale Richard G. Gross to Thomas and Joni Marroni, 94 Broad $20,000. Liberty Richard T. Quinerte Jr.

et al. to Empire of America Realty Credit Corp. by sheriff's deed, 714 Memory Lane, $1,533. Lincoln James N. McHolme to QSA, commercial property, 374 Glassport Road, $78,000.

Marshall Beho Development Co. Inc. to Darryl R. Frey property, Blackburn Court, $47,900. Arlo M.

Herbert to Anthony R. and Nancy K. Goland, 716 Carriage Drive, $560,000. Precision Equities Inc. to Daniel R.

Sosso Builder property, Pine Grove Court, $65,900. James E. Perrin to Charles K. and Lorie L. William, 904 Summit Drive, $1 86,000.

Carol Rey to Donald A. Toth et al. 41 5 Tyburn Drive, $1 79,000. RA Beck Contracting Inc. to Paul B.

and Pamela S. Landgraf, 103 Westminster Drive, $215,000. William A. Eckert to Scott G. and Linda L.

Slatt, 191 Wheatland Road, $60,000. McCandless George J. Ganley to John and Celia Kilkenny, 205 Forest Edge Court, $150,000. Patricia A. Croissant to Brian F.

and Lisa A. Croissant, 1490-1492 Hedwig Drive, $128,000. Donna J. Sherlock to Julia A. Minton, 509 Iroquois $97,250.

Troy B. Benson to Donald W. and Suzanne T. Walch, 10071 Mansion Drive, $172,000. Charles E.

Boxwell to John F. Winschel Jr. and Virginia S. Winschel, 545 Pebblewood Court, $161 ,000. James M.

Wad-low to Ronald Miklos, Perry Highway, $49,000. Donald W. Walch to Richard A. and Robin Chiocchi, 186 Ridgeview Drive, $192,000. David P.

Todd to Robert M. and Laura J. Gordon, 9576 Saratoga Drive, $146,000. Harry B. Rowe Jr.

to Eleanore F. Walker et al. trustee, 9380 Timber Trail Road, $131 ,333. McKees Rocks Estate of John F. Populo et al.

to Regis J. Laughlin, 806 Boquet $1 (state deed transfer stamps indicate a value of Integra Bank Pittsburgh to Focus on Renewal Sto Rox Neighborhood 500 Charters $1 (state deed transfer stamps indicate a value of McKeesport Standard Savings and Loan Association of Wilkinsburg PA to Ronald Yocca, 510 Archer $5,000. Albert DiBattista to Charles and Threasa K. Mcintosh, 451 Atlantic $4,000. Cont.

on page C-3 Carnegie Estateof Mary R. Carilli to Thomas A. and Kim L. Byron, 200 Fifth $36,000. Veterans Affairs to Robert A.

and Eileen Cleric, 520 Sixth $10,500. Gary R. Shiwarski to Lynn A. Wood, 152 Greenbrier Drive, $120,000. Castle Shannon Ronald J.

Graf to Uoyd T. Rounds, 208 Green Court, $58,000. Merlin W. Gaskell to T. Vicky Yu, 1033Thornwood Drive, $74,305.

Cheswlck R. D. Nery to Gregory M. and Colleen A. Semenick, 1410 Beech $25,000.

Ronald Nery to Harriet A. Skedel, 21 5 Highland Ave. $35,000. Churchill James R. Knowles to Arthur L.

and Shirley S. Rowley, 1616 Branning Road, $111,500. Gary V. Shields to Henry J. and Beverly A.

Ohrman, 21 Garden Terrace Drive $60,500. Thomas B. Noonan to Robert S. and Megan H. Simon, 2108 Suzanne Drive, $141 ,000.

Clalrton Estate of George R. Smith Sr. to Catherine Cassinelli et 625 Sixth St. $19,000. Collier Glen R.

Willner to Robert E. and Tina C. Hapanowicz, 1020 St. Mellion Drive, $680,800. Coraopolls Lois Rinehart to John P.

Rieger et 1 1 Brook $52,000. George E. Holland to David A. Walls et 855 Neely Heights $82,500. Crafton John H.Coe to Cynthia J.

607 Clearview $73,000. Katherine A. Cubic to Joseph T. Hredzak, 1934 Crafton $75,000. Crescent Lisa Schofield to Cynthia M.

Fowkes, 10 Crest Drive, $69,000. Dormont Augusta H. Riott to Lawrence G. Hufnagel, 2706 Miles $40,000. Dravosburg Jeffrey D.

Moore to Chris Pausic et 200 Maple $10,000. East Deer Freeport Brick Co. to H. Jack Miller et office building, 273 Bailies Run Road, $39,000. East Pittsburgh Veterans Affairs to Helen Hamilton estate of, 502 Howard $8,000.

Elizabeth Borough James C. McElroy to Timothy S. and Kathleen J. Kurhansky, First St. and Mill $15,000.

Elizabeth Township Regis C. Toprani to Nicholas R. and Deborah Simko, 2430 Greenock Buena Vista Road, $39,350. Larry J. Smialek to August Necciai, property, Peairs Road and Simpson Hollow Road, $1 4,400.

Richard J. Bollas to Thomas E. and Tammy J. Laughlin, 850 Peairs Road aka State Highway Route 393, $90,000. Estate of Jane Kostyzak to Ronald E.

and Mary M. Urbaniak, 803 Pinecrest Drive, $57,000. Walter E. Smart to Michele L. Yaroscak, 824 Pineview Drive, $29,000.

Matthew C. Samulski to Joseph M. and Norma J. Lukaesko, real estate, Weigles Hill Road, $2,000. Emsworth Estate of Marcella E.

Yokel to David W. and Karen A. James, 262 Plainfield $61 ,000. Etna Regis G. Peiffer to Joseph M.

Schramm, 26 Wilson $42,000. Fawn George M. Rovnan to Dale and Amy Hummel, property, Allenberg Road RD 2, $60,000. Stephen A. Mosovskyto David M.

Curry real estate, Burtner Road Rte 220, $8,900. Findlay Robert C. Artinger to William J. and Janice L. Hand, 506 Hemlock Court, $71 ,800.

Fourway Properties Limited Partn to Dominic and Mary J. Vitucci, property, Lindenwood Drive, $29,900. Nelson W. Marshall et al. to Cyril A.

Chechuck, 1 97 Old Ridge Road, $61 ,000. John A. Wyke Jr. to Joseph A. Bolton, 119 Santiago Road, $64,135.

Forest Hills Robert N. Cawood to Albert C. and Christina B. Schmieler, 1635 Ardmore $412,000. Robert N.

Cawood to Albert C. and Christina B. Schmieler, 1645 Ardmore $41 2,000. Ruth O. Compton to Dolores D.

Curran, 4062 Greensburg Pike, $50,000. Mark A. Benningh-off et al. to Diane J. Davis, 3 Wellington Road, $114,250.

Forward James A. Day Jr. to Mark A. and Tamara E. Smrdel, 515 Longview $49,900.

Franklin Park Lawrence H. Cabeceiras to John and Colette Irvin, 1620 Blackburn Heights Drive, $417,000. James A. Caprara to Deborah A. Deakin, 2714 Meadowcrest Court, $125,000.

Kenneth D. Baldinger et al. to Douglas M. and Cindy L. Meredith, 2236 Montgomery Road, $122,500.

H. David Thomas to Frank L. and Betty M. Fung, 1666 Oak Leaf Lane, $332,000. Gerald W.

Baronto Kenneth R. and Barbara J. Miller, 2660 Ravenwood Court, $273,000. Peter W. Lambo to Thomas R.

and Nancy P. Butler, 1696 Sturbridge Drive, $319,500. James E. Cram to Peter W. and Geraldine Lambo, 1710 Sturbridge Drive, $275,000.

Frazer National Builders and Acceptance Corp. to Tom Bittner, 199 State Route 02188, $20,000. Glassport Estateof Anthony Stoffierto John M. Sebest, Hot water Demand button Controller fM Off JSil TfW wmp "Braetwn, 383 Fisk $45,000. Estate of Anthony C.

Coniglio to Steven T. Reis, 31 8 57th $5,000. Dorothy A. Mathera to Jacqueline Heffernan et al 201 57th $16,000. Kitty DeFrancoto Regional I.

Development Corp. 5405 Carnegie $21 ,000. Estateof Elsie E. Mathieu to Robert and Barbara Hirst, 1820 Jancey $27,000. Device -cuts wait -for hot water I let the water run for more than a minute just to et hot water from one of the bathroom faucets.

Is there any do-it-yourself gadget to get hot water faster? In the typical U.S. home, more than 9,000 gallons of water are wasted down the drain each year waiting for hot water. In' ad- dition to wasting water and your 1 time in the morning, it causes an indirect energy loss that pushes up your gas and electric bills too. The energy loss can be as high as 15 percent of your annual wa- ter heating costs. In the winter, "all the room temperature water "that runs down the drain is re placed by cold incoming water from the city main.

Your furnace and water heater must run longer just to warm that extra 9,000 gallons of cold water. The newest and most efficient instant hot water system uses a demand triggered design. It is ideal for an existing home and you can easily install it yourself in two hours. This simple hot water demand system uses a tiny high volume pump located under the bathroom sink farthest from the water heater. This pump and a solenoid valve connect the hot and cold water lines under the sink.

When you want hot water, turn any hot watef faucet on and, off quickly. This triggers the pump to start running. It rapidly draws water from the hot water pipe under the sink and diverts through the solenoid valve back to the water heater via the cold water inlet line all through existing plumbing. Within seconds, the hot water reaches the sink. As soon as a sensor detects the hot water at the sink line, the pump shuts off and you turn on the hot water The most efficient system uses a demand triggered design.

Cold water Check valve Pump assembly hot water demand system, continuous circulation pump with timer, and electric tankless water heaters, prices and specifications, send $1.50 and a self-addressed business-size envelope. Write to: James Dul-ley, Pittsburgh Post-Gazette, 6906 Royalgreen Drive, Cincinnati, Ohio, 45244 Last summer, with no lights on and the refrigerator not running, I noticed that the wheel in my electric meter was still spinning pretty fast. Could the meter be bad and recording too much usage? Although it is possible that the electric meter is wrong, it is unlikely. A modern home uses electricity even when nothing is turned on. The refrigerator could be in the auto-defrost mode which consumes much electricity.

The electronic circuitry in your TV, VCR, microwave, etc. continuously uses electricity. Many heat pumps have crankcase heaters that continuously heat the refrigerant and lubricants. Rate Points valve UTILITY TIPS JAMES DULLEY faucet. Any faucet you turn on triggers the pump to start.

If you mount this pump under the sink farthest from the water heater, you will have instant hot water at all your faucets. Another option, installing a special continuous hot water circulation pump, requires adding a return pipe from the sink to the water heater. Although this wastes some energy from continuous circulation of hot water in the pipes, you can minimize this loss by insulating the pipes. Installing a circulation pump with a 24-hour timer also reduces losses. You can set it to run only during the times of the day when you use hot water the most.

Installing an inexpensive 115-volt electric tankless water heater under the sink also provides instant hot water. The plumbing hookup is very simple. To get Utility Bills Update No. 733, listing manufacturers of the, Li LMiTtlS TermsType Rate Points TermgT ype Rate Points TermsType Rate Points Howard Hanna Financial 261-6900 30 year fixed 5 down 6V 244 30 year fixed 5 down 7' 0 15 year fixed 5 down 6 2V FHA 30 years 7 V4 1 1 year ARM 10 down 3V4 3 Integra BankPgh. 571-6799 30 year fixed 5 down 64 3 1 yr ARM 54 FHAVA 30 yr 7V 0 0 30 year JUMBO 7' 3 15 year fixed 5 down 6' 3 Irwin Bank A Trust 063-3100 15 year fixed 64 3 30 yeor fixed 6' 3 Johnstown Bank A Trust 5394501 30 year fixed 20 down 8V4 2 15 year fixed 20 down 6' 2 1 year ARM 54 0 Lourel Savings 702-7424 30 year fixed 10 down 7V 0 15 year fixed 6' 0 30 year JUMBO 74 1 15 year JUMBO 64 2 30 year ARM 4V 2 Lincoln Savings Bank 276-1090 15 year fixed 20 down 64 V.

1 yr ARM 20 down 5 1 525 20 down 6V4 0 723 20 down 6V Home Equity Loan 8'i TermsType Rate Points TermsType Rate Points I I Advantage Mortgage Group 400-9494 Americon Finonciol Mortgoge 947-0700 30 year fined 6 2V 30 year fixed down 7V 0 15 year fixed 641 0 '5 year fixed 5 down 64 0 15 year fixed 6 241 30 year iumbo 10 down 7V 0 30 year fixed 7V 0 15 year JUMBO 10 down 644 a 30 year JUMBO fixed 74 0 30 year FHAVA 7 0 Affinity National Mtg 704-1013 Amerifund Financial Service! 43I-1H4 30 year conv fixed 64 3V 30 year fixed 7' 0 30 year conv fixed TU 0 '5 year fixed t'M 0 'r 1 year ARM 3 3 30 year JUMBO 7 0 1 year ARM 4V4 0 15 year JUMBO 7 0 FHA Streamline REFI 30 year 6V4 3 1 year ARM 10 down 4i 0 Awe Mortgage Co 000-355-7477 Approval One 369-0663 30 year fixed 6V4 3 30 year fixed 5 down 6V 3 6 15 year fixed 6V 2V 15 year fixed 5 down 6 3 1 yer ARM 3' 2V I year ARM 10 down 3 2V 30 year JUMBO 64 3 15 year JUMBO 10 down 7 0 15 year JUMBO 64 2V4 30 year JUMBO 10 down 7V 0 Allegheny Mortgoge Corp. 077-0710 Armstrong Mortgage Service 800-547-Q6S9 30 year fixed 5 down 6V 1 lv 30 year fixed 5 down 7 0 15 yeor fixed 5 down 6 114 20 year conv. 5 down 7V 0 FHA 30 Vr. 7 15 year conv. 5 down 644 0 VA 30 yeors 7 30 year JUMBO 10 down 7 0 New Construction 64 1 lv 1 year ARM 10 down 4'i 0 Allegheny Valley Bank 701-O310 Bell Federal 734-2700 IS yr Conv 20 down 7 2 Fixed 20 down 30 yeors 6V 2 2 15 yr Conv 20 down 7 1 Fixed 20 down 15 yeors 6 2 30 yr Conv.

20 down 7V 2 Construction 30-year 6V 3 30 yr Conv. 20 down 74 1 JUMBO 30 yeors 714 2 10 yr Conv. 20 down 64 2 JUMBO 15 years 7 2 AUtHrte Financial iWiol Brentwood Federal SL 30 year fixed 5 down b. 2 15 yeor fixed 10 down 1 is yea, find 5 down 2 12 year fixed 10 down 6 0 JrrVeor JUMBO 2 10 year fixed 10 down oV 0 i.yetjr ARM 3' 3 7 yeor flKed 10 down 6V4 0 FHAfVA 30 yeor 7 1' 20 yeor JUMBO 7A Alptw Financial Mtg. 715-WW Cart I.

Brown A Co. US4M1 2 30 yeor fixed 10 down 6 3 yeor Fixed 5 down 7 1 -4-reor fixed 10 down 3 15 yeor Fixed 5 down l'i "fj'Wur JUMBO 20 down 61 2 I yeor ARM 10 down 4 114 30 yeor JUMBO 20 down 7 2 20 year fixe1 5 down 6. 1 PHA ev 1 30 year JuLo lv Century Mortgage 1-MMSi-MM 30 year fixed 10 down 7V4 0 15 year fixed 10 down 7 0 1 year ARM 4Va 0 15 yeor fixed JUMBO 7'A 0 30 year fixed JUMBO 7' 0 Chase Manhattan of Po. 3-l5QI 10 year JUMBO 6' 1 20 year JUMBO 7Vt 1 15 year JUMBO 7 1 Sn yeor JUMBO 6V4 0 71 year JUMBO 6V4 0 CMS (Choice Mortgage) 1S4-4122 30 yr fixed 5 down 74 0 15 yr fixed 5 down 7 0 30 yr JUMBO 20 down 7V4 1 15 yr JUMBO 20 down t'M 1 FHA 30 yeor Vh 0 1 Comm. Banli-Westmorelond S19-3S0! 15 year Fixed 20 down 74 0 1st Time Homebyr 10 down 7V4 0 IstTlme Homebyr 5 down 7' 0 Community Savings 231-4300 30 year fixed 7 0 15 year fixed 64 0 1 yeor ARM 5 0 30 year JUMBO 7V 0 15 yeor JUMBO 7Vt 0 Com net Mortgage Services l-W-77v-5ltl 30 year fixed t'fi 3 15 year fixed 6 3 30 year Jumbo 6' 3' FHA 30 year 7V 0 1 yeor ARM Conv.

31 2V4 Comserv ISt-rtH 30 year fixed 5 down 6V 3 IS yeor fixed 5 down 6 3 15 year JUMBO 10 down 6' 0 30 year New Construction 7V4 3 30 yeor Comm Homebuyer 7V4 0 Continental Mortgage 963-9222 Fixed 5 down 30 year 64 2' Fixed 5 down 15 yeors 5' 2' 30 yeor JUMBO 6V4 iv 15 year JUMBO 6V4 IV 1 year ARM 3V lv Dellwood Mortgage 279-9591 30 year fixed 5 down 64 1 15 year fixed 5 down 6V. 1 1 yeor ARM 4V4 0 FHA 30 year 7 1 30 year Jumbo 20 down 7 IV Dollar Bank 241-Mlt 30 yeor fixed 5 down 7h 1 15 year fixed 5 down 64 l4 1 yeor ARM 4 2' Jumbo Constr 1 year ARM 5' TWO STEP 30 yeor 6V4 0 Eastern Mortgage Service 85-7794 30 year fixed 6' 1 15 year fixed 6V 1 30 year JUMBO 10 down 6' 1 15 year JUMBO 10 down 64 l' FHAVA 7 11 Excel Mortgage Corp. 10X77-9577 30 year fixed 6V4 24 15 year fixed 6V4 24 15 year JUMBO 10 down 0 FHA 30 year 7 11 1 yeor ARM 10 down 4 2V4 Family Home Mfg. 230-5700 30 yeor fixed 5 down 6V4 2 15 year fixed 5 down 6' 2 1 year ARM 10 down 3 2' 30-yr FHA 7 4t 0 VA 30 year 7 i 0 First Choice Mfg. 931-400 30 yr fixed 5 down 7' 0 15 year fixed 5 down 6V I yr ARM 10 down 31 2 30 yr JUMBO 74 0 'Vjjr JUMBO 0 -j i First City Financial 269-4990 30 year fixed 5 down 6V 3 15 year fixed 5 down 6 3 1 year ARM 10 down 3V 3 30 year JUMBO 10 down 74 0 15 yeor JUMBO 10 down 7 0 First Financial Mortgoge Corp.

032-9700 30 year Fixed 5 down 7V4 0 15 year fixed 5 down 64 0 1 year ARM 10 down 44 723 Adi. 10 down 64 0 FHA 30 yrs 7V4 0 First Western Bonk, N.A. 0OO-06O-7441 30 yeor fixed 10 down 74 0 15 year fixed 10 down 7 0 1 year ARM 10 down 5V 20 year fixed 10 down 7 0 Fleet Mortgoge 1 000-371-3520 30 yeor fixed 5 down 7V4 V4 15 year fixed 5 down 6' 0 FHAVA 30 years 7V 0 723 6V4 4 JUMBO 30 years 74 0 OMAC 331-6886 30 yr fixed 5 down 7 0 15 yr fixed 5 down 64 0 FHA 30 yeor 74 20 yeor fixed 5 down 6' FHA 15 yeor 7 0 Oolden Triangle 343-3367 30 year fixed 5 down 74 0 15 year fixed 5 down 7 0 1 year ARM 34 3 FHA 30 yeor 7' 01 Oreot American Federal 087-9OO0 30 yr fixed 10 down 6' 2 15 yi fixed 10 down 6'- 2 1 year ARM A't Source: Howard Hanna Financial Rates effective Nov. 2 and may change without notice. Financial institutions beginning with the letters through will appear in next Saturday's listings..

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