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Batavia man arrested for allegedly selling heroin around Tracy Avenue

By Billie Owens

Press release from the Genesee County Sheriff's Office:

The Genesee County Local Drug Enforcement Task Force, comprised of police officer from the Genesee County Sheriff's Office, Batavia Police NET officers, and the Le Roy Village Police Department, concluded an investigation into the sales of heroin in and around the City of Batavia with the arrest of  a Batavia man on Thursday evening.

David T. Riley Jr., 33, of East Main Street, Batavia, is in jail, charged with two counts of third-degree criminal sale of a controlled substance, a Class B felony, and two counts of third-degree criminal possession of a controlled substance, also a Class B felony.

Riley was arrested at his residence on a Genesee County Grand Jury Warrant, which followed an extensive investigation into illegal drug sales in the Tracy Avenue area. The defendant was allegedly selling heroin in the Tracy Avenue area. The investigation is continuing and further charges and arrests are possible.

Task Force members were also assisted in the investigation and arrest by the Genesee Countyu DA's Office, the Probation Department, uniformed officers of the City of Batavia Police Department.

Holland Avenue man arrested for allegedly selling the opioid suboxone in the city

By Billie Owens

Press release from the Genesee County Sheriff's Office:

The Genesee County Local Drug Enforcement Task Force, comprised of officers from the Genesee County Sheriff's Office, Batavia Police NET officers, and the Le Roy Village Police Department, concluded an investigation into the sales of suboxone in and around the City of Batavia with the arrest of a Batavia man Thursday evening.

Lance M. Mercado Sr., 25, of Holland Avenue, Batavia, is charged with two counts of criminal sale of a controlled substance, 5th, a Class D felony and two counts of criminal possession of a controlled substance, 5th, also a Class D felony.

Mercado was arrested at his residence on a Genesee County Grand Jury indictment warrant. He was allegedly selling quantities of the medication suboxone. He is in jail.

Task Force members were also assisted in the investigation and arrest by the Genesee County DA's Office, uniformed members of the Sheriff's Office and uniformed officers of the City of Batavia Police Department.

Law and Order: Brockport man jailed without bail after citizen's tip on suspicious vehicle leads to arrest on drug charges

By Billie Owens

Thomas L. Hill Jr., 26, of Fayette Street, Brockport, is charged with: unlawful possession of marijuana; two counts of criminal possession of a controlled substance in the third degree; and second-degree criminally using drug paraphernalia. Hill was arrested at 8:15 p.m. on April 21 after a citizen complained of a suspicious vehicle on Hutchins Place. Police located the vehicle in the parking lot of the Circle 3 Food Mart on Ellicott Street. An investigation allegedly revealed crack cocaine, drug paraphernalia and a small amount of marijuana inside the vehicle. Hill was jailed without bail and is to appear in City Court today. The case was handled by Batavia Police Officer Christopher Lindsay, assisted by Officer Chad Richards.

Chevaughn D. Hanson, 22, of East Main Street, Batavia was arrested for disorderly conduct following an altercation at 3:27 p.m. on April 19 on East Main Street with another male. Hanson is accused of engaging in violent, tumultuous and threatening behavior. He was issued an appearance ticket for City Court on April 26. The case was handled by Batavia Police Officer Arick Perkins, assisted by Officer Stephen Cronmiller.

Dylan B. Boykins, 43, no address provided, is charged with disorderly conduct -- fight/violent behavior. Patrols were dispatched to Highland Park near Jackson Street at 1:34 p.m. on April 16 for a reported altercation between a male and female. Boykins, who was located a short time later, was arrested following an investigation into the disturbance. Boykins allegedly shoved and attempted to strike another person and was arrested. The case was handled by Baavia Police Officer James DeFreze, assisted by Marc Lawrence.

Maggie S. Dipilato, 22, of Nelson Street, Holley, is charged with second-degree criminal contempt, and criminal use of drug paraphernalia. Dipilato was arrested on April 18 following a domestic incident on Hutchins Street on April 13 in which she allegedly violated a complete stay away order of protection. Dipilato was allegedly found in possession of drug paraphernalia and was jailed on $1,000 bail. The case was handled by Batavia Police Officer  Christopher Lindsay.

James R. Kosiorek, 23, no permanent address, is charged with criminal possession of a loaded weapon. He was allegedly in possession of a loaded hanbdgun in November 2014 that had previously been stolen from a vehicle in the Town of Le Roy. He was arrested on this charge April 21 while he was in Genesee County Jail on unrelated charges. He had $1,000 bail on this charge. The case was handled by Sheriff's Deputy Gregory Walker.

Ashli N. Zajaczkowski, 25, of Walnut Street, Batavia, is charged with unlawful possession of marijuana. Zajaczkowski was arrested at 7:48 p.m. on April 21 following a traffic stop during which the investigating officer detected the odor of marijuana. The officer allegedly located an amount of marijuana that would be consistent with personal use in the vehicle. Zajaczkowski was issued an appearance ticket for City Court for May 3. Batavia Police Officer Peter Flanagan investigated the case.

Cody E. Snyder, of East Shelby Road, Oakfield, is charged with offering a false instrument in the first degree and possession of a forged instrument in the second degree. Snyder was arrested on April 18 following an investigation into a complaint filed by Genesee County Probation. The incident occurred on Dec. 29, 2014. He was jailed in lieu of $10,000 bail. The case was handled by Batavia Police Officer James DeFreze, assisted by Officer Jason Ivison.

James A. Mitchell, 37, of Jackson Street, Batavia, was arrested on a bench warrant out of Batavia City Court after allegedly failing to pay a fine associated with a disorderly conduct violated issued on April 5 on West Main Street, Batavia. He was released after posting $100 bail. The case was handled by Batavia Police Officer Jason Ivison.

Michael Givonnie Chance, 18, of 145th Road, Springfield Gardens, is charged with unlawful possession of marijuana. At 8:34 p.m. on April 19, Chance was allegedly found to be in possession of a small quantity of marijuana on Batavia-Stafford Townline Road and was arrested and issued an appearance ticket for Town of Batavia Court on April 25. The case was handled by Sheriff's Deputy Kyle Krzemien and Deputy James Diehl.

City of Batavia accepted into flood insurance rating system

By Howard B. Owens

Press release:

The City received notification yesterday from FEMA and the Insurance Services Office (ISO) that it will be accepted into the Community Rating System at a Level 7, becoming the fourth top-ranked community statewide. Beginning Oct. 1, residents and business owners in the City's Special Flood Hazard Area (SFHA) will receive 15-percent discounts on their flood insurance premiums while those outside the SFHA will receive an additional 5-percent discount on top of already reduced rates.

The total annual savings for residents today stands at $53,048, but Assistant City Manager and CRS Coordinator Gretchen DiFante is quick to point out that cost savings is hardly the sole benefit to being a member of the rating system.

"The purpose of the CRS is to improve flood mitigation efforts in a community," DiFante said. "The results of those efforts are better-informed citizens, enhanced public safety, a reduction to potential damage to property and public infrastructure, avoidance of economic disruption and protection of the environment. In addition, implementing some CRS activities, such as floodplain management planning, can help a community qualify for certain federal assistant programs."

City Manager Jason Molino, who three years ago proposed to City Council that the City set a target for CRS membership, reiterated that the system is an additional part of a comprehensive strategy to improve neighborhoods and the value of City homes.

"These efforts, coupled with our vacant homes strategies, code enforcement measures and focus on collaborative neighborhood efforts help bring together a comprehensive community development approach," Molino said.

While City staff consider the achievement of a Level 7 to be a cause for celebration, they also acknowledge the enormous amount of work on behalf of dozens of people and organizations necessary to maintain that rating and the level of collaboration inherent in ongoing success.

"As a non-coastal community with very little open space, we really had to look to some less-traditional activities to achieve our rating," says DiFante (See Attached Table A-1 for scoring breakdown). "The situation for Batavia was a little like being a runt and having to be creative and make intelligent decisions to catch up with the rest of the group; however we were very fortunate to be able to draw upon an enormous number of local, regional and state-wide resources for help."

DiFante and teammates Captain Bob Fix, Ron Panek and Meg Chilano cite the following individuals/organizations as being instrumental to the City's success:

  • David Zorn and his team from the Finger Lakes Regional Planning Council;
  • Joe Teresi and Sally Hoyt from Tompkins Insurance Agencies;
  • Tom Turnbull from the Genesee County Chamber of Commerce;
  • Tim Yeager from Genesee County Emergency Management;
  • Lisa Gautieri from Bank of Castile;
  • Robert Conrad, executive director of the Richmond Memorial Library;
  • A local realtor group that met monthly and included Russ and Gillian Romano and Danielle Torcello from Nothnagle, Lois and Robert Gerace from Realty USA, WNY and Lynn Bezon from Reliant Real Estate;
  • Tom Lichtenthal and the rest of the Town of Batavia Engineering Department;
  • The Village of Mamaroneck, which shared its entire CRS application;
  • John Gauthier, engineer from the Town of Greece;
  • Jacob Tysz from Adkins Global;
  • Janet Thigpen, Chemung County certified floodplain manager;
  • Bill Nechamen, Mary Binder and Karis Manning from the NYS DEC;
  • Michael Messerly and staff from the Batavia Daily News who were unrelenting and creative in their efforts at public service creation and communication;
  • Mike Pettinella from the Buffalo News and Alecia Kaus from Video News Service, who were eager to communicate key messages to readers and viewers to help gain points;
  • Howard Owens from the Batavian who allowed the team to publish photos that painted powerful pictures of the results of flooding;
  • Dan Fischer and WBTA who helped with emergency communication tactics and will be an important ongoing voice of emergency communication;
  • Felipe Oltramari, Derek Kane and Erin Pence from the Genesee County Planning Department, whose members the CRS team relied heavily on for quality mapping and advice.

DiFante believes it's important that the public understands the number of people and organizations needed to achieve such a success.

"We've all encountered times when organizations fail to work together towards a common goal, and we were amazed at the collaboration at all levels of government and in our community to make the CRS a success," DiFante said. "Not only were our partners in the city, town, county, region and state willing to help — they were all eager to learn, get involved, problem solve and do what needed to be done — even though we were truly learning together and had a few missteps along the way. This process could be a model for how many different organizations can achieve a common goal through focus, collaboration and hard work."

Molino acknowledges that the work has just begun and ongoing activities will be vital to maintaining the City's current level and to researching the readiness and ability to move beyond a Level 7 (something not yet achieved by any New York State community).

"We are all pleased with the benefit to the community thus far and with the cost reduction for our residents, and we're ready to keep improving," Molino said.

Kiwanis host spaghetti dinner this Sunday

By Howard B. Owens

The Kiwanis Club of Batavia hosts its annual spaghetti dinner from noon to 3 p.m., Sunday, at the YWCA, 301 North St., Batavia.

The event benefits local children's projects. 

The cost is $7 per person and includes spaghetti and meatballs, salad, Italian bread, lemonade, coffee or tea and dessert. 

Pictured, Matt Landers, Shanon Ford, Frank Ciaccia, Jeanne Walter and Peter Guppenberger.

City announces annual award winners

By Howard B. Owens

Press release:

The City is pleased to announce the following recipients for the 2015 City Recognition Awards:

Business of the Year WBTA FM & AM is recognized for the positive contribution and support they have provided within our community. WBTA demonstrated continuous community involvement with the Centennial Celebration throughout 2015. The station broadcasts a well-organized scheduled to interact with community business owners, volunteers, schools and government. WBTA also had involvement in the Emergency Management Planning and Support for the community. They continue to strive to provide excellence through their daily broadcasting which keeps the community involved and informed of the latest and greatest news.

This year, there are two Homeowner’s selected for the 2015 Recognition Award:

Homeowner of the Year Don and Pam Hirons are recognized for their demonstration in maintaining and improving their home on 137 Summit St. and taking pride in their neighborhood. They have accomplished the creation of a neighborhood coalition to keep a close connection with the homeowners and participate in the revitalization of Summit Street. Don and Pam strive to keep their neighborhood safe and thriving within the community. These two are true hometown heroes who serve as role models for other citizens determined to revitalize a neighborhood.

Homeowner of the Year Tonya Passamonte and Adam Steadman are recognized for their demonstration in maintaining their home on 12 Washington Ave. and taking pride in their neighborhood. Tonya and Adam created extraordinary displays for Halloween and Christmas which were admired by many. They fabricated festive displays using memorable characters from childhood stories. As holiday music plays in the distance, the community comes alive, drawing the attention to approximately 500 children during the Halloween season. As the children walk away with a piece of candy they are also walking away with a memory and tradition. Tonya and Adam’s community spirit does not go unnoticed.

Community Volunteer of the Year Larry Barnes is recognized for his extraordinary efforts that he brings forth to our community. As the City Historian, he donates his time to share the connection between the past and the future for the City of Batavia. Larry works hard to catalog important historical documents at City Hall for future generations. He was an integral volunteer to the successful events during the 2015 Centennial Celebration. Larry has written a book on the City’s history, has produced many articles on the City’s Web site and continues to offer his knowledge in tours and group discussions. Larry’s true dedication and positive impact are instrumental to our community.

Employee of the Year Chad Richards consistently goes above and beyond the expectations of his position as a Police Officer. The department has received acknowledgements from the community of his courteous, compassionate and patient behavior as an officer. Chad is actively involved in the Emergency Response Team and has gone above and beyond his normal scope of duties as an ERT operator. Chad has been crucial in investigation and successful prosecution of many cases. He demonstrates his true commitment to the community by participating in community events, such as, “Shop with a Cop,” which was held at the Batavia Walmart during Christmas. Chad embodies the qualities that the City strives to maintain for all of their employees.

Please join us in congratulating the recipients of the 2015 City Recognition Awards.

These awards will be presented during the City Council Conference Meeting on Monday, April 25, at 7 p.m., in the Council Board Room at City Hall.

Photo: Truck accident on Elm

By Howard B. Owens

Photo by Jim Burns.

Shortly after 4 p.m., this semi-truck on Elm Street, near Main Street, took out phone and cable lines.

State Police looking for stolen snowplow

By Howard B. Owens

State Police are requesting the public's assistance in locating a snowplow stolen from a local business.

Investigators believe whoever stole the plow might try to sell it locally.

The plow was stolen from a business in the Town of Batavia in early April and looks just like the one pictured on the right. It is a Western MVP 3 and is fairly new.

Anyone with information regarding this incident or was approached to purchase a similar plow is asked to contact the State Police at (585) 344-6210.

Death of Batavia man in August determined to be a drowning

By Howard B. Owens

Intoxication played a significant role in the drowning death of a 49-year-old Batavia man who's body was found in the Tonawanda Creek near Kibbe Park in August, according to information released by Batavia PD this morning.

In a statement, the police say that a Medical Examiner's investigation has concluded Troy Hickman drowned and was intoxicated at the time of his death.

No further information about the incident was released.

Rochester inmate in county jail faces new charges, including two felonies for allegedly selling crack

By Billie Owens

Jerry Riley III

Press release from the Genesee County Sheriff's Office:

The Genesee County Local Drug Enforcement Task Force, comprised of officers from the Genesee County Sheriff's Office, Batavia Police NET officers, and the Le Roy Village Police Department, concluded as investigation into the illegal sales of narcotics from a Bank Street residence in the City of Batavia with the arrest of a Rochester man on Wednesday afternoon.

Jerry Riley III, 38, of Jay Street, Rochester is charged with two counts of criminal possession of a controlled substance, 3rd, a Class B felony, and two counts of criminal sale of a controlled substance, 3rd, also a Class B felony.

He is already in custody at the Genesee County Jail from an incident that occurred in the city earlier this month and has now been charged with four additional felony charges this afternoon stemming from the sales of "crack" cocaine in the city in March.

Riley is in jail with $2,000 of additional bail.

For initial post on Riley, click here.

Batavia student receives award at Ithaca College symposium

By Billie Owens

Kaitlyn Logsdon, of Batavia, received an award at the 2016 James J. Whalen Academic Symposium at Ithaca College.

A total of 420 students participated by giving oral presentations or displaying posters and other creative works. Award winners were selected from a pool of 60 finalists.

Logsdon's presentation was entitled, "The Paradox of Sustainability and the Global Betterment Imperative."

'Lunch in the Dark' at School for the Blind is April 28

By Billie Owens

Press release:

Independent Living of the Genesee Region (ILGR) has invited individuals from a number of local businesses and agencies to a “Lunch in the Dark” at the New York State School for the Blind (NYSSB) to learn how those with low vision or blindness can live and work successfully.

Taking place from noon to 1:30 p.m. on Thursday April 28th at the School, 2A Richmond Ave, west of State Street, in Batavia, the event challenges the participants to dine in low light conditions, with blindfolds available for those who want a “total experience."

After the meal, with the assistance of an ILGR staff person, they will have the chance to try out activities when blindfolded, such as traveling a course with the white cane, feeling Braille documents, and using adapted devices. Services of ILGR that may be useful to citizens who are visually impaired, such as the Medicaid Application Assistance Program, will be explored.  

A panel, including students and graduates from the State School for the Blind who have been gainfully employed, will take questions at the end of the event. A number of workplace accommodations for blind employees that cost the company little or nothing will be discussed.

The ticket price of $15 includes the meal, and some materials participants can take home.

Members of the public who have not been formally invited are welcome to attend, if they pre-register. For questions, or to RSVP, please call Donna Becker at 815-8501, ext. 411.

Independent Living of the Genesee Region (ILGR) is a member of the Western New York Independent Living, Inc., family of agencies that offers an expanding array of services to aid individuals with disabilities to take control of their own lives.

Member of Young Preservationists of Buffalo to speak at Richmond library, hosted by Landmark Society

By Billie Owens
If you're interested in old buildings and young people, we hope you will join us from 2 to 4 p.m. on Saturday, April 30, in the Gallery Room at the Richmond Memorial Library in Batavia.
 
The Landmark Society of Genesee is hosting a talk by Derik Kane, CNUA, who will speak on the history and evolution of Buffalo's Young Preservationists (BYP) and how it has become a national model for the "New School" of preservation.

BYP members are not only concerned with the aesthetics and history of a building, but how it impacts the opportunities for livability, economic development, energy efficiency / sustainability, and social causes within the city.

The Senior Planner for Genesee County, Derik serves on the Board of Directors of the Landmark Society of Genesee County, and has been a core member of BYP since 2012. 
 
This event is free and open to the public. No need to RSVP.

Open house at City Hall set up to draw out ideas from residents about future

By Howard B. Owens

City residents are invited to City Hall today to share their ideas for the future of Batavia.

As an early-stage step toward devising a new comprehensive plan for Batavia, the city is hosting an open house today where residents can step through a series of questions and write out answers for their ideas on the challenges the city faces, how to address those issues and what their visions are for Batavia.

The open house lasts until 7 p.m.

Family is more than blood: Memorial ride for Douglas Mess

By Julia Ferrini

The pride and joy of the man’s job now sits idle most days, his namesake lovingly wiping the dirt from her fenders as a myriad of emotions floated across his brow. Douglas Mess’s John Deere 4020 is built for heavy work, but could also be used for lighter duties, and as his son put it, “it’s the heart of any farm.”

Family and friends gathered at the Spring Farm Tuesday evening for the second annual Douglas Mess Memorial Tractor ride. April 19 marked the one year anniversary of the death of the 52-year-old farmer. As a way to remember the father, brother and friend, those who knew him best revved up their tractors and made the approximately six-mile trek – from the Spring Farm on Chaddock Road to Baskin Livestock on Creek Road – in celebration of a man’s life.

“Most days are fine,” said the eldest of three boys, Doug Mess. “I still have my off days.”

Since last April, the Mess’s farm in Attica had been off limits. Within the last few months, the boys have been able to go back. 

“We aren’t operating the farm right now,” Doug said. “The cows have been gone for almost a year and now we're just getting things cleaned up.”

“It’s still a shock,” said longtime family friend Dale Spring. “Our families grew up together. Our kids were in 4-H together. He was an awesome guy. He would help you no matter what. If he couldn't talk ya through it, he'd come down and help.”

Sixteen tractors in all and double the number of friends and family met to honor the man.

“There isn’t a day that goes by that I don’t think about him,” Spring said. “Every morning, after he was done milking his cows he would drive by my farm...”

As a way to remember their employee, Bill Baskin and Susan Blackburn, Baskin’s wife, had a sign made dedicating their new truck shop to Douglas.

The gathering. The ride. It was a time to remember the man and not the incident surrounding his death.

See related: Murder of Douglas Mess a big loss for Baskin Livestock Attica woman charged with murder in missing man's death 

New owner takes long-vacant house off city's 'zombie' list right after court fines bank

By Howard B. Owens

Pat O'Brien was a little surprised, but not shocked to learn yesterday that the house on Ross Street that he moved into Monday was the subject of a $841,500 fine by Batavia City Court for a long string of alleged code violations.

Before O'Brien bought the home, the city determined the responsible party for the property was HSBC Bank. The bank was allegedly issued a summons to appear in court to answer to the code violation charges, but reportedly, no representative of HSBC ever appeared.

When defendants fail to appear in court as directed, judges have the discretion to find the party guilty and after another demand to appear in court, in the defendant's absence, the judge can issue a sentence.

That's what Justice Durin Rogers did Friday against HSBC and another entity responsible for a local property that has allegedly failed to appear on the matter.

That defendant is Kaja Holdings 2, LLC, held responsible for 21 Hutchins St., Batavia. Kaja was found guilty in absentia of 1,092 violations of the city's property maintenance code.

HSBC was found guilty of 3,336 violations.

Rob Sherman, corporate communications for HSBC, did not respond to a voicemail left yesterday requesting comment.

Kaja Holdings did not respond to a request for comment. 

City Manager Jason Molino said the judgments against HSBC and Kaja are part of the city's ongoing, aggressive efforts to deal with so-called "zombie" homes -- homes that have been left abandoned and vacant for extended periods of time following a foreclosure.

"We going to push aggressively with non-responsive individuals with an interest in properties in hopes of getting people's attention and start getting them to respond," Molino said.

Molino said the city was only notified on Monday that the Ross Street property had been transferred to the new owners.

"We're pleased with the outcome," Molino said. "It's exactly what we like to see."

Whether HSBC will still be on the hook for the $841,500 fine, Molino said he didn't know. That will be up to Justice Rogers to decide.

As for Pat O'Brien, he said he's thrilled with the house and happy to become a Batavia resident.

He took a job in Henrietta in the fall and found the house on the house listed for sale on the Fannie Mae Web site. He worked with local real estate agent Chuck Flynn to complete the purchase.

He's had a new gas line installed (it was cut off at the street), new electrical installed and the city turned the water on two days ago, making the house livable once again.

"Even though it looks a little bit bad on the outside, surprisingly, it's not that bad on the inside," O'Brien said. "Structurally it's really sound."

O'Brien said he liked Batavia because it's a small, quaint community that seems to have a lot going for it. Workers who have come over to his house have had good things to say about Batavia, he said, that it's a community on the rise.

And commuting to Henrietta, he said, is no big deal.

"Back in Jersey, I actually had a longer commute, so the commute between Batavia and Henrietta doesn't bother me," he said. "It's all Thruway. It's under 45 minutes, which I don't think is that bad."

Molino said O'Brien will be given time to get the house in good shape once again, which O'Brien said he intends to do.

"If you look at the house, it's actually not as bad as you think because the top third has all been aluminum sided and so I only have to repaint the lower two-thirds of the home, so like I said, I think by the end of the summer it should be a gem on the street," O'Brien said.

Our news partner WBTA AM/FM contributed to this story.

21 Hutchins St., which is vacant and condemned.

LAW and Order: Akron man charged with DWI, Manhattanite charged with identity theft

By Billie Owens

Scott Jay Seeley, 54, of Newstead Road, Akron, is charged with driving while intoxicated with a BAC greater than .08 percent, DWI, having a cracked windshield and an obstructed view. At 7:52 p.m. on April 18, on West Main Street in the Town of Batavia, Seeley was arrested following a traffic stop for vehicle equipment violation(s). After interviewing him and giving him field sobriety tests, which he allegedly failed, he was arrested then released on appearance tickets for Town of Batavia Court. The case was handled by Sheriff's Deputy Richard Schildwaster.

Malik Domonic Dietz, 21, of West 13th St., Manhattan, is charged with third-degree identity theft and petit larceny. Dietz allegedly used the victim's personal identification to gain access to an Internet site at 5 p.m. on April 8 from a location on Batavia-Stafford Townline Road. He was issued an appearance ticket for Town of Batavia Court on April 21. The case was handled by Sheriff's Deputy Bradley Mazur.

Sponsored Post: ESL's 5 tips for first‐time home buyers!

By Lisa Ace

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 Clubsm 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.​

City PD investigating suspicious condition on Morton Avenue

By Howard B. Owens

A person out walking a dog heard a bang, like a door slamming, and then saw a white male dressed in black quickly leave a residence on Morton Avenue.

Batavia PD responded and the subject was located.

Officers were checking for unlocked vehicles and, if they found any, were asking residents to check and see if anything was missing.

The resident of the original complaint was not at home at the time and it's unknown if the subject dressed in black made entry.

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