KEESEVILLE NATIONAL BANK
FHA MORTGAGE DEPARTMENT
714 ROUTE 3
PLATTSBURGH, NY  12901
Phone: (518) 563-1700

KEY BANK CENTRAL NY

201 SOUTH WARREN ST
SYRACUSE, NY  13202
Phone: (315) 470-5000

KEY BANK WESTERN NY
FHA MORTGAGE DEPARTMENT
202 NORTH MAIN ST
JAMESTOWN, NY  14701
Phone: (716) 847-7700

KEY MORTGAGE FUNDING INC
FHA MORTGAGE DEPARTMENT
ONE KEY CORP PLAZA 7TH FLOOR
ALBANY, NY  12207
Phone: (518) 459-8666

LARGENT FUNDING CONSULTANTS LT
FHA MORTGAGE DEPARTMENT
560 BROADHOLLOW ROAD SUITE 102
MELVILLE, NY  11747
Phone: (631) 249-2222

LEHMAN BROTHERS HOLDINGS INC
REGISTRATION DEPT
399 PARK AVENUEAL
NEW YORK, NY  10022
Phone: (212) 526-3497

LEHMAN CAPITAL CORPORATION
FHA MORTGAGE DEPARTMENT
200 VESEY STREET 8TH FLOOR
NEW YORK, NY  10285-0800
Phone: (212) 640-7028

LEN ROBERTS LTD
DBA DIAMOND MORTGAGE
ONE DIVISION AVENUE
LEVITTOWN, NY  11756
Phone: (516) 796-9600

LEND-MOR MORTGAGE BANKERS CORP
FHA MORTGAGE DEPARTMENT
300 GARDEN CITY PLAZA STE 252
GARDEN CITY, NY  11530
Phone: (516) 741-1177

LIBERTY MORTGAGE BROKERS
FHA MORTGAGE DEPARTMENT
122-01 LIBERTY AVENUE
RICHMOND HILL, NY  11419
Phone: (718) 848-5000

LINCOLN SAVINGS BANK
COMPLIANCE
100 JERICHO QUANDRANGLE RM 343
JERICHO, NY  11753
Phone: (000) 000-0000

LLOYDS FUNDING CORPORATION

2153 ADAM C POWELL BLVD
NEW YORK, NY  10027
Phone: (212) 749-3615

LONG ISLAND MORTGAGE RESOURCES
FHA MORTGAGE DEPARTMENT
17 EAST CARVER STREET
HUNTINGTON, NY  11743
Phone: (516) 673-5936

LONG ISLAND SERVICING CORP
FHA MORTGAGE DEPARTMENT
554 ISLIP AVENUE
ISLIP, NY  11751
Phone: (516) 277-2300

LOWEST LOAN COM INC
FHA MORTGAGE DEPARTMENT
465 COLUMBUS AVENUE
VALHALLA, NY  10595
Phone: (914) 769-8000

LSB CAPITAL CORPORATION
FHA MORTGAGE DEPARTMENT
207 HALLOCK ROAD SUITE 212
STONY BROOK, NY  11790
Phone: (516) 246-5700

LYONS MORTGAGE SERVICES INC
FHA MORTGAGE DEPARTMENT
42-16 28TH AVENUE
ASTORIA, NY  11103
Phone: (718) 267-2000

M AND M RESOURCES UNLIMITED IN
FHA MORTGAGE DEPARTMENT
1577 RIDGE ROAD WEST STE 119
ROCHESTER, NY  14615
Phone: (716) 865-0950

M AND T MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
ONE FOUNTAIN PLAZA
BUFFALO, NY  14240-9898
Phone: (716) 848-4848

M L MOSKOWITZ AND CO INC
FHA MORTGAGE DEPARTMENT
1370 AVE OF THE AMERICAS 6 FL
NEW YORK, NY  10019-4602
Phone: (212) 664-8900

MANCHESTER COMPANY INC
FHA MORTGAGE DEPARTMENT
483 NEW YORK AVENUE
HUNTINGTON, NY  11743
Phone: (631) 385-4949

MANHATTAN SAVINGS BANK
FHA MORTGAGE DEPARTMENT
415 MADISON AVENUE
NEW YORK, NY  10017
Phone: (718) 270-4304

MANUFACTURERS AND TRADERS TR C
FHA CORPORATE TRUST DEPARTMENT
ONE M AND T PLAZA 7TH FLOOR
BUFFALO, NY  14203
Phone: (716) 842-5381

MANUFACTURERS HANOVER NA

183 EAST MAIN ST
ROCHESTER, NY  14604
Phone: (000) 000-0000

MANUFACTURERS HANOVER TR CO
FHA MORTGAGE DEPT
100 DUFFY AVENUE
HICKSVILLE, NY  11801
Phone: (516) 934-3953

MARINE FUNDING INC
FHA MORTGAGE DEPARTMENT
108-05 LIBERTY AVENUE
RICHMOND HILL, NY  11419
Phone: (718) 845-1014

MARINE MIDLAND BANK

1 MARINE MIDLAND CNTER 12 FL
BUFFALO, NY  14240
Phone: (716) 841-2424

MARINE MIDLAND MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
300 PEARL STREET OLYMPIC TOWER
BUFFALO, NY  14202
Phone: (716) 841-5298

MASPETH FEDERAL SAVINGS AND LOAN ASSN

56-18 69TH ST
MASPETH, NY  11378
Phone: (718) 651-7888

MAXIM MORTGAGE BANKERS LTD
FHA MORTGAGE DEPARTMENT
114 ACADEMY LANE
MIDDLETOWN, NY  10940
Phone: (845) 343-3227

MCS MORTGAGE BANKERS INC
FHA MORTGAGE DEPARTMENT
646 ROUTE 112
PATCHOGUE, NY  11772
Phone: (516) 475-9800

MECHANIC MORTGAGE GROUP INC
FHA MORTGAGE DEPARTMENT
50 CHARLES LINDBERGH BLVD
UNIONDALE, NY  11553
Phone: (516) 229-2331

MEMBERS MORTGAGE CORPORATION
FHA MORTGAGE DEPARTMENT
600 OLD COUNTRY ROAD STE 518
GARDEN CITY, NY  11530
Phone: (516) 622-9000

MERRILL LYNCH MORTGAGE LENDING
HEALTH CARE FINANCE
250 VESEY STREET 9TH FLOOR
NEW YORK, NY  10281-1309
Phone: (212) 449-0628

MERRILL LYNCH MTG CAPITAL INC
CORPORATE COUNSEL
4 WORLD FINANCIAL CTR
NEW YORK, NY  10080
Phone: (212) 449-0336

METROPOLITAN FUNDING CORP
FHA MORTAGE DEPARTMENT
6 EAST 45TH STREET STE 201
NEW YORK, NY  10017
Phone: (212) 983-1500

MGN FUNDING CORPORATION
FHA MORTGAGE DEPARTMENT
525 NORTH BROADWAY
WHITE PLAINS, NY  10603
Phone: (914) 328-4646

MID-HUDSON VALLEY FEDERAL CU
FHA MORTGAGE DEPARTMENT
1099 MORTON BLVD
KINGSTON, NY  12401
Phone: (914) 336-4444

MID-ISLAND MORTGAGE CORP
FHA MORTGAGE DEPARTMENT
900 MERCHANTS CONCOURSE
WESTBURY, NY  11590
Phone: (516) 683-0800

MIDWAY MORTGAGE COMPANY INC
FHA MORTGAGE DEPARTMENT
2013 CROMPOND ROAD
YORKTOWN HEIGHTS, NY  10598
Phone: (914) 245-2500

MINROB MANSIONS INC

410 EAST JERICHO TURNPIKE
MINEOLA, NY  11501
Phone: (516) 747-7880

MITCHELL FUNDING OF VALLEY STR
FHA MORTGAGE DEPARTMENT
20 WEST LINCOLN AVE STE 203
VALLEY STREAM, NY  11580
Phone: (516) 872-0830

MOHAWK PROGRESSIVE FEDERAL C U
FHA MORTGAGE DEPARTMENT
1760 STATE STREET
SCHENECTADY, NY  12304
Phone: (518) 372-0828

MOHAWK VALLEY SAVINGS AND LOAN

33 CENTRAL PLAZA
ILION, NY  13357
Phone: (000) 000-0000

MORTGAGE CENTER INC
FHA MORTGAGE DEPARTMENT
99 POWER HOUSE ROAD STE 304
ROSLYN HEIGHTS, NY  11577
Phone: (516) 484-3200

MORTGAGE CHOICES INC
FHA MORTGAGE DEPARTMENT
84 GREEN STREET
HUDSON, NY  12534
Phone: (518) 828-3737

MORTGAGE ENTERPRISE LTD
FHA MORTGAGE DEPARTMENT
79 POWERHOUSE ROAD
ROSLYN, NY  11577
Phone: (516) 625-9696

MORTGAGE LINE FINANCIAL CORP
FHA MORTGAGE DEPARTMENT
700 VETERANS MEMORIAL
HAUPPAUGE, NY  11788
Phone: (631) 361-6888

MORTGAGE LINKS INC
FHA MORTGAGE DEPARTMENT
2025 RICHMOND AVENUE STE 200
STATEN ISLAND, NY  10314
Phone: (718) 494-8300

MORTGAGE MATCH INC
FHA MORTGAGE DEPARTMENT
1380 BELLMORE AVENUE
BELLMORE, NY  11710
Phone: (516) 783-7070

MORTGAGE MONEY CENTER INC
FHA MORTGAGE DEPARTMENT
ONE OLD COUNTRY ROAD SUITE 428
CARLE PLACE, NY  11514-1850
Phone: (516) 248-2700

MORTGAGE ONE INC
FHA MORTGAGE DEPARTMENT
4250 VETS MEMORIAL HWY ST 104
HOLBROOK, NY  11741
Phone: (631) 630-0990

MORTGAGE WORLD IN
FHA MORTGAGE DEPARTMENT
32-75 STEINWAY STREET-STE 210
ASTORIA, NY  11103
Phone: (718) 274-1234

MORTGAGEIT INC
FHA MORTGAGE DEPARTMENT
33 MAIDEN LANE
NEW YORK, NY  10038
Phone: (212) 651-7700

MORTGAGES IN-DEED NORTHEAST
FHA MORTGAGE DEPARTMENT
975 FRANKLIN AVENUE
GARDEN CITY, NY  11530
Phone: (516) 248-8011

MUTUAL OF NORTH AMERICA INC
FHA MORTGAGE DEPARTMENT
445 BROAD HOLLOU DR STE 400
MELVILLE, NY  11747
Phone: (516) 501-0100

How Long Should We Take to Pay Loans and Accounts?

We should not still be making payments on a purchase or a loan after we have ceased to benefit from it. There is no fixed rule to follow and no one can determine for another how long he should take to pay for a purchase. It is important to consider:

• What monthly payments will fit into the family budget?
• How long will the product or service purchased last?
• How long will you remain interested in the product?
• How long will your income remain steady or increase?
• The shorter the term of payments the less finance charges.

Contract limits normally are longer as the size of the purchase or loan increases. Contracts for furniture can range from 12 to 24 months while auto contracts can range from 48 to 60 months.

Market Conditions That Affect Terms We Are Offered

The merchant or lender is limited by market conditions when he considers what terms he can extend safely and intelligently. In our “free economy” there are in the background governing factors that influence quite a bit the amount of funds available for consumer credit use. The Federal Reserve System sets rates at which bankers themselves can borrow funds.

The banks in turn then set the rates of interest at which merchants and the lenders of smaller amounts can get the funds they need. The banking system in this way makes it easier or more difficult, cheaper or more costly for businesses and consumers to borrow.

How Long Should We Take to Pay Loans and Accounts?

We should not still be making payments on a purchase or a loan after we have ceased to benefit from it. There is no fixed rule to follow and no one can determine for another how long he should take to pay for a purchase. It is important to consider:

• What monthly payments will fit into the family budget?
• How long will the product or service purchased last?
• How long will you remain interested in the product?
• How long will your income remain steady or increase?
• The shorter the term of payments the less finance charges.

Contract limits normally are longer as the size of the purchase or loan increases. Contracts for furniture can range from 12 to 24 months while auto contracts can range from 48 to 60 months.

Market Conditions That Affect Terms We Are Offered

The merchant or lender is limited by market conditions when he considers what terms he can extend safely and intelligently. In our “free economy” there are in the background governing factors that influence quite a bit the amount of funds available for consumer credit use. The Federal Reserve System sets rates at which bankers themselves can borrow funds.

The banks in turn then set the rates of interest at which merchants and the lenders of smaller amounts can get the funds they need. The banking system in this way makes it easier or more difficult, cheaper or more costly for businesses and consumers to borrow.