The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

The Clarington/Courtice Independent, Bowmanville, Saturday, April 13, 1996 21 REAL ESTATE PETER KOWAL Real Estate Limited Broker r 52 King St. West r Bowmanville Phone: (905) 623-2453 Fax: (905) 623-0136 SER VING BO WMA N VILLE A ND A REA SINCE 1955 SMALL FARM - BIG OPPORTUNITY 13.68 ACRES - 1,760 ft. road I,.- frontage on Reg. Rd. 57. House has 4 bedrooms on 2nd floor and living room, kitchen, den and bedroom + bath on ground floor. LIST PRICE $169,900. Quick possession. Country living living just minutes from Town. IDEAL BUILDING LOT Builder's Terms offered, drilled well and driveway in. Just east of Newcastle -118 ft. frontage on Hwy. 2. Try your Offer! AFTER HOURS: Mac McDonald* Tom Turner* Elaine Kowal* * Sales Rep 623-7717 623-5510 623-5868 ©J.P. 234 King Street East, Bowmanville Telephone 623-3393 Toronto Line 686-1035 Over 30 Years Quality Real __ Estate Service LU 3 + 2 BEDROOM BACKSPLIT- ORONO Ravine lot, eat-in kitchen, dining room and living room, family room with airtight stove. 4 levels. Just listed! 1/2 ACRE LOT IN BOWMANVILLE •Reid* 6 Private, beautiful lot with a great 4 bedroom home with country kitchen, living room and dining room with walkout walkout to patio. Finished family room, garage. Rec room with airtight. Call Charlie Reid* 623-3393 or 983-5914. NEW LISTING $129,900. Many features in this 3 bedroom home. Central air, separate dining area, gas fireplace, 1 1/2 baths, walkout from kitchen to yard. On a quiet court. Call Ann Van Dyk* at 623-3393 or 623-4638 ASKING $197,900.! Massive 7 bedroom plus 2 bedroom in-law apartment. Set up for multi-family living. Among prestigious homes in Garden Hill. Must see! C.M.H.C. High Ratio Insured Mortgages The phrase "HIGH RATIO" x refers to C.M.H.C. insured mortgages, mortgages, arranged through a lending institution, where the loan amount exceeds 75% of the price of the property property (less than 25% down- payment). Conventional mortgages represent less than 75% of the property value, and do not require mortgage insurance, in most cases. Canada Mortgage And Housing Corporation (C.M.H.C.) is the government government agency that administers administers this insurance for the lenders, thus enabling them to advance funds with virtually virtually no risk. In case of default by you, the mortgagor, mortgagor, the property is transferred transferred to C.M.H.C. and the lender is reimbursed. . Of course there are extra costs involved in arranging a High Ratio mortgage, and these are borne by you, the borrower. The insurance fees, calculated on a sliding scale, are usually added to the principal amount of the mortgage, and therefore must be taken into account when arranging financing. For further information on insured mortgages (not to be confused with mortgage mortgage life insurance which is taken out by the borrower for his own protection) contact contact a knowledgeable Realtor, your nearest C.M.H.C. office or any registered registered lending institution. For more information, and full real estate service, I can be reached at Sutton Group-Dynamic Realty Inc., 129 King Street East, Bowmanville, (905) 697- 1700 (24 hr. pager.) ©j.p. National Award Presented to Oshawa Builders Three prominent representatives representatives of the Oshawa-Durham Home Builders' Association have just returned from the 53rd National Conference of the Canadian Home Builders' Association in Vancouver, where they received national recognition as leaders in the residential construction industry. industry. *■ Stephen Kassinger, President of Kassinger Built Homes, received received the highly coveted "R- 2000 Builder of The Year Award". This national award is presented for demonstrating outstanding leadership in the construction of R-2000 homes, and for the promotion of R- 2000 homes, as advanced ■ building technology within the Association. Mr. Kassinger was also appointed to the Board of Directors of the Canadian Canadian Home Builders' Association. Association. Launched in the 1980's, the R-2000 Home Program has grown to include some 30 major major partners and, more than 4,000 R-2000 Home Builders across the country, each considered considered to be at the leading edge of their respective professions. professions. This award is a genuine honour for Mr. Kassinger and his Associates. In the Sales and Marketing category (SAM Awards), Hal- minen Homes received the top award for exceptional "signage" "signage" at their Nantucket Site in Courtice. Again, there was tough competition, from coast- to-coast, and Halminen Homes can be extremely proud of this achievement. The other major award winner winner was John Stotts, Executive Officer of the Oshawa-Durham Home Builders' Association. Mr. Stotts received the prestigious prestigious "Dave Stupart Award of Honour". This national award is in recognition of the highest level of leadership, professionalism, professionalism, dedication and competence competence in Association Management. Management. While in Vancouver, John was also appointed to the Advisory Board of the Executive Executive Officers' Council. Organized as a network of local, local, provincial and national offices, offices, the Canadian Home Builders' Association represents represents more than 12,000 member member companies across the country. country. Members include new home builders, renovators, manufacturers, suppliers of building materials, lending institutions, institutions, new home warranty programs and many others in the industry. The Oshawa- Durham Home Builders' Association Association has served the Durham " area for over 42 years. All members voluntarily adopt CHBA's Code of Ethics, which commits them to fairness, fairness, integrity and consumer satisfaction. Through the Association, Association, builders have access to education and training in many aspects of home building, from innovative technology to business business management. Easter Bunny Assists Pancake Chefs at St. Paul's "f ,, f,\ : .> ... .■/t'.y*SmÊâࣣ/Sr//jW. V ,Mr , , .ÿ.;< j y m, : " -,L m The Easter Bunny took some time out from his busy schedule to serve as Maître d' at the St. Paul's United Church Easter Sunday Pancake Breakfast. Here, he inspects a plate of pancakes made by the volunteers in the kitchen. This year's supervisor of the breakfast was Jim Matheson, who is shown with the giant spatula that has become the traditional symbol of office for the person in charge of the volunteer chefs. From left are: Rick Patterson; The Easter Bunny; Roy Youngman; Steve Coles; Jim Matheson and Mark Tennant.