Equine Events

March 2018


IHA Swap Night

April 2018

May 2018



June 2018

July 2018

August 2018


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  Fri Mar 16


Our private listings are OUR listings we do not share them with other companies!


We do not work with outside agents on our private lisings.

We do not pay buyers agents on our listings on MLS.

Beware buyers agents  who try to make you sing this agreement... you may wind up paying double commissions on sales!  Long Island Horser Properties does  not pay buyers agents to you have to pay them plus us.  If they say the fee for the service comes out of the proceeds of the sale NOT TRUE!! We will not pay your outside agents for our sales. We had many people this year have to pay huge fees for buyers brokers on top of all our fees. I feel strongly that you should know the truth about this practice.

Please beware of this when searching on our listings. You can wind up paying  tens of thousands of dollars more.They ask you to sign up with them then they call us to see our homes for sale.

Watch out!

##Call and we are happy to explain

ask for Sharyn OR any of our agents who will gladly explain it to you.

Make sure you understand what you are about to sign.


Sharyn Guzzi

If you need me to explain please call and i will will be happy to expalin.


  Tue Mar 13

LI EQUINE Price Chart

Price Chart For Liequine Advertisements 

Horses Advertisements:

$50 for two months

$70 for three months

$90 for four months


Business Classifieds:

(Tack Shops, Veterinarians, Hay & Feed Supplies, Farriers, Equine Services, Equine Products)

$35 for one month

$90 for three months

$150 for six months

$260 for twelve months



$30 for one month

$55 for two months

$150 for six months


Editing of Changing Any Ads: $5

One Time Fee For Links (Including Youtube Links For Horses): $10

Items That Are Under $100 Dollars Can Be Placed In The Bargain Barn Section Of The Message Boards.

Please Do Not Hesitate To Contact Our Office To Assist You With Placing, Renewing, Or Changing Your Ad!



  Thu Mar 15

Standards, Roll tops and More!

Custom Standards, Roll tops and More!!

Are you tired of paying high catalog prices?  Is the shipping cost more than the product itself?  Do you wish you could have someone build exactly what you want?  If you answered yes to any of these questions then you need to call me today.  I can build what ever it is that you want.  Whether it's a custom shaped standard or gate or even a custom tack box that you want in a certain wood or finish we build it all the way you want it.  We will deliver any where in the Tri-state area for a fraction of what most shipping companies cost. I also can make agility jumps, walks, and A frame.  We also specialize in the construction of new barns and the renovation of existing barns.  Why would you have someone build your barn that doesn 't even own horses?  We have owned horses for over 20 years and know what it takes to make them happy.  Call us today for a free estimate.

Call Matt @ (406)461-2659

  Thu Mar 15

State Line Tack

State Line Tack 1-800-228-9208

Horse Supplies and Apparel!

Click Link below to visit our website


  Mon Mar 12

Private Mortgage Insurance explained

Private Mortgage Insurance (PMI) 

If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.


PMI charges vary depending on the size of the down payment and the loan, but they typically amount to about one-half of 1 percent of the loan, according to the Mortgage Bankers Association of America. Mortgage insurance premiums are not tax deductible.



Let's say you put down 10 percent or $10,000 on a $100,000 house. The lender multiplies the 90 percent loan, or $90,000, by .005. The result is an annual PMI of $450, which is divided into monthly payments of $37.50.


Most home buyers need PMI because 20 percent of the sale price on a home is a lot of money; for instance, that's $20,000 on a $100,000 home. Home buyers must maintain the PMI premiums until they cross that one-fifth-of-principal threshold, a process that can take years in longer-term mortgages.



Keep track of your payments on the principal of the mortgage. When you reach the point where the loan-to-value ratio hits 80 percent, notify the lender that it is time to discontinue the PMI premiums. The Homeowners Protection Act of 1998, which took effect in 1999, requires lenders to tell the buyer at closing how many years and months it will take for them to reach that 80 percent level and cancel PMI. Lenders must automatically cancel PMI when the balance hits 78 percent.

Note: The law does allow lenders to continue requiring PMI all the way down to 50 percent equity for so-called high-risk borrowers. Traditionally, those loans that are considered riskier include reduced documentation loans, in which customers provide less proof of income and other information during the approval process. Loans for people with spotty credit histories and higher debt-to-income ratios also fall into this category. Additionally, some FHA loans require payment of PMI throughout the entire life of the loan.


Ways to avoid PMI

In today's market, there are some new ways to avoid mortgage insurance even when you don't have the standard 20 percent down payment.


Pay more interest: Some lenders will waive the mortgage insurance requirement if the buyer accepts a higher interest rate on the mortgage loan. The rate increases generally range from .75 percent to 1 percent, depending on the down payment. The advantage is that mortgage interest is tax deductible.


Using an "80-10-10" loan: This program involves two loans and a 10 percent down payment. The 90 percent loan is financed with a first mortgage equal to 80 percent of the sale price, and a second mortgage for the remaining 10 percent of the sale price. The second mortgage has a higher interest rate but since it applies to only 10 percent of the total loan, the monthly payments on the two mortgages are still lower than paying one mortgage with mortgage insurance. Plus, again, there is the advantage of mortgage interest being tax deductible.


Example: If we compare the purchase of a $100,000 home under the "80-10-10" plan with a standard fixed mortgage including PMI, we find that the former is $17.45 cheaper each month.


Here's how it works. Under the "80-10-10" plan, the 10 percent down payment on a $100,000 house is $10,000. The first mortgage is $80,000 at 7.50 percent, which comes to a monthly payment of $559. The second mortgage for $10,000 has a 9.50 percent interest rate, making a monthly payment of $84. Total monthly payments of the two loans: $643.


With a $10,000 down payment, one mortgage of $90,000 at 7.50 percent has a monthly payment of $629, plus PMI of $31.45, making a total payment of $660.45.

 Sharyn Guzzi




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