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<div class=Section1>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>From talking with the mortgage broker his
concern was if we get this loan and build a house can the town take the land
back in a year or two for some reason and where would that leave us with the house.
It also seemed in talking with him that just getting ‘preapproved’
is not quite the same as being approved especially in a unique case like this,
so he wanted to hold on doing any sort of approval before he sees the lease- a
bank may be different than a mortgage broker- I’m not sure.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'><o:p> </o:p></span></font></p>
<div>
<p class=MsoNormal><st1:PersonName w:st="on"><font size=4 color=blue
face="Century Schoolbook"><span style='font-size:13.5pt;font-family:"Century Schoolbook";
color:blue'>Amy Tierney</span></font></st1:PersonName><font color=black><span
style='color:black'><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=blue face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:blue'>Marketing
Representative</span></font><font color=black><span style='color:black'><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:black'><a
href="mailto:atierney@nortonne.com"></a></span></font><font color=black><span
style='color:black'><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>Please note coverage changes can not be
taken nor coverages bound via this email system. thanks!</span></font><font
color=black><span style='color:black'> <o:p></o:p></span></font></p>
</div>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'><o:p> </o:p></span></font></p>
<div>
<div class=MsoNormal align=center style='text-align:center'><font size=3
face="Times New Roman"><span style='font-size:12.0pt'>
<hr size=2 width="100%" align=center tabindex=-1>
</span></font></div>
<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> <st1:PersonName
w:st="on">housingcommittee-bounces@townoflongisland.us</st1:PersonName>
[mailto:<st1:PersonName w:st="on">housingcommittee-bounces@townoflongisland.us</st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b>Chris@PeanutAllergy.Com<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, April 04, 2007
12:20 PM<br>
<b><span style='font-weight:bold'>To:</span></b>
housingcommittee@townoflongisland.us<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Year-Round Housing
Committee] Fw: mortgages in future obtainable?</span></font><o:p></o:p></p>
</div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
<div>
<p class=MsoNormal><font size=3 face=Arial><span style='font-size:12.0pt;
font-family:Arial'>NOTE: This may have already been figured out, please let me
know if we have already researched this and what we were told (and by how many
banks and which banks, lengths of terms needed etc.).</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><font size=3 face=Arial><span style='font-size:12.0pt;
font-family:Arial'>If a house is built on a leased land property, and the bank
has say... a 99 year minimum to give a loan on it. Then what happens 10 years
down the road when there is only 89 years left on the lease, will someone be
able to find a loan to purchase the house so that the seller will be
able to sell the house without having to find a cash buyer?</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><font size=3 face=Arial><span style='font-size:12.0pt;
font-family:Arial'>Alden if we have not checked on this already, could you find
out from the banks that currently offer this type of loan how this works in the
future as they may have programs etc. for future buyers.</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><font size=3 face=Arial><span style='font-size:12.0pt;
font-family:Arial'>Chris Papkee</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>----- Original Message ----- <o:p></o:p></span></font></p>
<div style='font-color:black'>
<p class=MsoNormal style='background:#E4E4E4'><b><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>From:</span></font></b><font
size=2 face=Arial><span style='font-size:10.0pt;font-family:Arial'> <a
href="mailto:rraftman@aol.com" title="rraftman@aol.com">rraftman@aol.com</a> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><b><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial;font-weight:bold'>To:</span></font></b><font size=2
face=Arial><span style='font-size:10.0pt;font-family:Arial'> <a
href="mailto:chris@peanutallergy.com" title="chris@peanutallergy.com">chris@peanutallergy.com</a>
<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><b><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial;font-weight:bold'>Sent:</span></font></b><font size=2
face=Arial><span style='font-size:10.0pt;font-family:Arial'> Tuesday, April 03,
2007 4:35 PM<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><b><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial;font-weight:bold'>Subject:</span></font></b><font size=2
face=Arial><span style='font-size:10.0pt;font-family:Arial'> Fwd: [Year-Round
Housing Committee] pre approval<o:p></o:p></span></font></p>
</div>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<p class=MsoNormal style='margin-bottom:12.0pt'><font size=3
face="Times New Roman"><span style='font-size:12.0pt'> <br>
-----Original Message-----<br>
From: <a href="mailto:atierney@nortonne.com">atierney@nortonne.com</a><br>
To: <a href="mailto:housingcommittee@townoflongisland.us">housingcommittee@townoflongisland.us</a><br>
Sent: Tue, 3 Apr 2007 3:29 PM<br>
Subject: [Year-Round Housing Committee] pre approval<o:p></o:p></span></font></p>
<div id="AOLMsgPart_4_63f11b4b-099c-4980-8e5b-534deeda7d11">
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'>[Unable to display image] <img border=0 width=32 height=32
id="_x0000_i1025" src="%20" style='display:none;height:0px;width:0px'><o:p></o:p></span></font></p>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>FYI.. </span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>I called the mortgage broker that we have
been working with to see if he could pre approve us for the leased land idea
and he said he could do it but would need to see a copy of the lease the town
would be offering before he could really get us numbers. He also said
most banks/ mortgage brokers will require the same thing.</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>Something to think about.</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>Amy</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><st1:PersonName w:st="on"><font size=4 color=blue
face="Century Schoolbook"><span style='font-size:13.5pt;font-family:"Century Schoolbook";
color:blue'>Amy Tierney</span></font></st1:PersonName><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=blue face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:blue'>Marketing
Representative</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=4 color=blue face="Century Schoolbook"><span
style='font-size:13.5pt;font-family:"Century Schoolbook";color:blue'>Norton
Insurance Agency</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><st1:Street w:st="on"><st1:address w:st="on"><font size=2
color=blue face="Century Schoolbook"><span style='font-size:10.0pt;
font-family:"Century Schoolbook";color:blue'>275 US Route</span></font></st1:address></st1:Street><font
size=2 color=blue face="Century Schoolbook"><span style='font-size:10.0pt;
font-family:"Century Schoolbook";color:blue'> 1</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><st1:City w:st="on"><font size=2 color=blue
face="Century Schoolbook"><span style='font-size:10.0pt;font-family:"Century Schoolbook";
color:blue'>Cumberland</span></font></st1:City><font size=2 color=blue
face="Century Schoolbook"><span style='font-size:10.0pt;font-family:"Century Schoolbook";
color:blue'> <st1:place w:st="on"><st1:City w:st="on">Foreside</st1:City>, <st1:State
w:st="on">ME</st1:State> <st1:PostalCode w:st="on">04110</st1:PostalCode></st1:place></span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=blue face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:blue'>Phone:
829-3450 </span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=blue face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:blue'>Toll Free:
1-800-777-5244</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=blue face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:blue'>Fax:
829-6350</span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=black face="Century Schoolbook"><span
style='font-size:10.0pt;font-family:"Century Schoolbook";color:black'><a
href="mailto:atierney@nortonne.com">atierney@nortonne.com</a></span></font><o:p></o:p></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
<div style='margin-top:5.0pt;margin-bottom:5.0pt'>
<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>Please note coverage changes can not be
taken nor coverages bound via this email system. thanks!</span></font><font
color=black><span style='color:black'> </span></font><o:p></o:p></p>
</div>
</div>
<div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
</div>
</div>
<!-- end of AOLMsgPart_4_63f11b4b-099c-4980-8e5b-534deeda7d11 -->
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<p class=MsoNormal style='background:white'><tt><font size=2 color=black
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<p class=MsoNormal style='background:white'><tt><font size=2 color=black
face="Courier New"><span style='font-size:10.0pt;color:black'>housingcommittee
mailing list<o:p></o:p></span></font></tt></p>
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face="Courier New"><span style='font-size:10.0pt;color:black'><a
href="http://townoflongisland.us/mailman/listinfo/housingcommittee_townoflongisland.us"
target="_blank">http://townoflongisland.us/mailman/listinfo/housingcommittee_townoflongisland.us</a><o:p></o:p></span></font></tt></p>
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<p class=MsoNormal style='margin-top:7.5pt'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>AOL now offers free email to everyone. Find out more
about what's free from AOL at <a
href="http://www.aol.com?ncid=AOLAOF00020000000437" target="_blank"><b><span
style='font-weight:bold'>AOL.com</span></b></a>.<o:p></o:p></span></font></p>
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