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11360 Zip Code Detailed Profile

 



Profiles 11360 houses, apartments, residents, cars, jobs...

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Queens County, NY
Zip code population (2000): 19,350
Estimated zip code population in 2007: 19,677

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Age and Sex of Residents in zip code 11360

Zip code 11360 (, New York) real estate house value trends

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11360 map from a distance

Houses and condos: 9,249
Renter-occupied apartments: 2,876
% of renters here:  32%
State:  47%

2008 cost of living index in zip code 11360: 165.2 (very high, U.S. average is 100)

Land area: 1.6 sq. mi.
Water area: 0.0 sq. mi.
Population density: 12285 people per square mile 
 
 (very high).

Estimate of real estate property taxes paid for housing units in 2007:
This zip code:  1.2% ($2,417)
New York:  2.4% ($2,847)

List your B&M business here for free. Over a million visitors/week. Get a huge advantage over your competition

Males: 9,007  (46.5%)
Females: 10,343  (53.5%)

Zip code 11360 races chart


11360, NY forum
Recent posts about zip code 11360 area on our local forum with over 700,000 registered users:
Diverse Neighborhoods in Queens, NY ?  (68 replies)
Bayside School District Help  (3 replies)
Help getting to American eagle in Bayside!!  (4 replies)
Taking the bus to Bayside, Queens  (1 reply)
100% urban population.

Estimated median house/condo value in 2007: $512,012
11360:  $512,012
New York:  $311,000

According to our research of public records there were no registered sex offenders living in this zip code in early 2007.

Median resident age:  46.5 years
New York median age:  35.9 years

Average household size:
This zip code:  2.2 people
New York:  2.6 people

Averages for the 2004 tax year for zip code 11360, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $67,056 (Individual Income Tax Returns)
Here:  $67,056
State:  $59,519

Salary/wage: $61,270 (reported on 71.0% of returns)
Here:  $61,270
State:  $50,673
(% of AGI for various income ranges: 205.5% for AGIs below $10k, 49.6% for AGIs $10k-25k, 65.2% for AGIs $25k-50k, 69.3% for AGIs $50k-75k, 68.5% for AGIs $75k-100k, 62.8% for AGIs over 100k)

Taxable interest for individuals: $2,886 (reported on 75.1% of returns)
This zip code:  $2,886
New York:  $2,377
(% of AGI for various income ranges: 43.9% for AGIs below $10k, 9.0% for AGIs $10k-25k, 4.9% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 2.3% for AGIs over 100k)

Taxable dividends: $4,622 (reported on 48.6% of returns)
Here:  $4,622
State:  $5,394
(% of AGI for various income ranges: 33.5% for AGIs below $10k, 5.8% for AGIs $10k-25k, 3.1% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.5% for AGIs over 100k)

Net capital gain/loss: +$7,229 (reported on 43.3% of returns)
Here:  +$7,229
State:  +$23,581
(% of AGI for various income ranges: -12.3% for AGIs below $10k, -1.3% for AGIs $10k-25k, -0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 8.3% for AGIs over 100k)

Profit/loss from business: +$18,793 (reported on 16.1% of returns)
Here:  +$18,793
State:  +$13,809
(% of AGI for various income ranges: 37.2% for AGIs below $10k, 12.4% for AGIs $10k-25k, 6.5% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 2.6% for AGIs $75k-100k, 4.1% for AGIs over 100k)

IRA payment deduction: $3,629 (reported on 5.7% of returns)
11360:  $3,629
New York:  $3,115
(% of AGI for various income ranges: 1.5% for AGIs below $10k, 0.5% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.2% for AGIs over 100k)

Self-employed pension: $15,119 (reported on 2.0% of returns)
Here:  $15,119
New York:  $19,016
(% of AGI for various income ranges: 1.5% for AGIs below $10k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.7% for AGIs over 100k)

Total itemized deductions: $22,421 (1% of AGI, reported on 57.2% of returns)
Here:  $22,421
State:  $25,864
(% of AGI for various income ranges: 72.7% for AGIs below $10k, 23.3% for AGIs $10k-25k, 20.1% for AGIs $25k-50k, 20.6% for AGIs $50k-75k, 20.3% for AGIs $75k-100k, 17.5% for AGIs over 100k)

Charity contributions deductions: $2,954 (3.0% of AGI, reported on 53.3% of returns)
Here:  $2,954
New York:  $4,439

Here:  3.0% of AGI
State:  3.6% of AGI
(% of AGI for various income ranges: 4.4% for AGIs below $10k, 2.2% for AGIs $10k-25k, 2.3% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 2.3% for AGIs over 100k)

Total tax: $11,561 (reported on 82.7% of returns)
11360:  $11,561
State:  $11,730
(% of AGI for various income ranges: 10.8% for AGIs below $10k, 4.6% for AGIs $10k-25k, 7.8% for AGIs $25k-50k, 10.6% for AGIs $50k-75k, 11.9% for AGIs $75k-100k, 18.0% for AGIs over 100k)

Earned income credit: $1,397 (reported on 6.0% of returns)
Here:  $1,397
State:  $1,757
(% of AGI for various income ranges: 8.1% for AGIs below $10k, 2.0% for AGIs $10k-25k, 0.1% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2004 taxes: 76.8%
Here:  77%
State:  67%
(% for various income ranges: 72.4% for AGIs below $10k, 78.3% for AGIs $10k-25k, 76.6% for AGIs $25k-50k, 75.8% for AGIs $50k-75k, 77.8% for AGIs $75k-100k, 79.3% for AGIs over 100k)


Estimated median household income in 2007: $72,518
This zip code:  $72,518
New York:  $53,514
11360 map

Nearest zip codes: 11361, 11358, 11357, 11363, 11364, 11365.


Percentage of family households:
This zip code:  60.5%
Whole state:  65.7%

Percentage of households with unmarried partners:
This zip code:  2.7%
Whole state:  5.4%

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
  • Lesbian couples: 0.2% of all households
  • Gay men: 0.2% of all households

Housing units in zip code 11360 with a mortgage: 967 (46 second mortgage, 111 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 763


Median monthly owner costs for units with a mortgage: $2,299

Median monthly owner costs for units without a mortgage: $755

Residents with income below the poverty level in 2007:
This zip code:  5.1%
Whole state:  13.7%

Residents with income below 50% of the poverty level in 2007:
This zip code:  3.1%
Whole state:  6.1%

Median number of rooms in houses and condos:
Here:  4.8
State:  6.3

Median number of rooms in apartments:
Here:  3.8
State:  3.6


Zip code 11360 close-up map

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Notable locations in this zip code not listed on our city pages:

Parks in zip code 11360 include: Golden Park (1), Raymond O'Conner Park (2). Display/hide their locations on the map

Tourist attraction (not listed on the city page) : Michael Besserman Artist & Company (Art Museums; 14-22 Watersedge Drive).

 

Year house built:
  • 1999 to March 2000: 14
  • 1995 to 1998: 58
  • 1990 to 1994: 63
  • 1980 to 1989: 1,977
  • 1970 to 1979: 1,437
  • 1960 to 1969: 2,832
  • 1950 to 1959: 1,967
  • 1940 to 1949: 534
  • 1939 or earlier: 368



Zip code 11360 satellite photo by USGS


Bedrooms in owner-occupied houses in 11360:
  • no bedroom: 50
  • 1 bedrooms: 1,348
  • 2 bedrooms: 1,971
  • 3 bedrooms: 1,878
  • 4 bedrooms: 551
  • 5 or more bedrooms: 180


Bedrooms in renter-occupied apartments and housing units:
  • no bedroom: 252
  • 1 bedrooms: 1,065
  • 2 bedrooms: 900
  • 3 bedrooms: 637
  • 4 bedrooms: 22
  • 5 or more bedrooms: 0



Vehicles available in 11360 zip code in owner-occupied houses/condos:
  • no vehicle: 528
  • 1 vehicle: 3,178
  • 2 vehicles: 1,860
  • 3 vehicles: 292
  • 4 vehicles: 76
  • 5 or more vehicles: 44


Vehicles available in renter-occupied apartments:
  • no vehicle: 491
  • 1 vehicle: 1,596
  • 2 vehicles: 710
  • 3 vehicles: 64
  • 4 vehicles: 8
  • 5 or more vehicles: 7



Estimated household income distribution in 2007:

Zip code 11360 household income distribution in 2007

Zip code 11360 house/condo values in 2007


Estimate of home value of owner-occupied houses/condos in 2007 in zip code 11360:

  • $30,000 to $34,999: 5
  • $35,000 to $39,999: 7
  • $40,000 to $49,999: 9
  • $50,000 to $59,999: 27
  • $60,000 to $69,999: 27
  • $70,000 to $79,999: 21
  • $80,000 to $89,999: 13
  • $90,000 to $99,999: 9
  • $100,000 to $124,999: 41
  • $125,000 to $149,999: 117
  • $150,000 to $174,999: 271
  • $175,000 to $199,999: 275
  • $200,000 to $249,999: 493
  • $250,000 to $299,999: 459
  • $300,000 to $399,999: 771
  • $400,000 to $499,999: 449
  • $500,000 to $749,999: 1,285
  • $750,000 to $999,999: 1,104
  • $1,000,000 or more: 696
 



11360 rent paid by renters


Rent paid by renters in 2007 in zip code 11360:

  • Less than $100: 5
  • $100 to $149: 28
  • $150 to $199: 41
  • $200 to $249: 47
  • $250 to $299: 17
  • $350 to $399: 24
  • $400 to $449: 14
  • $450 to $499: 10
  • $500 to $549: 45
  • $550 to $599: 34
  • $600 to $649: 56
  • $650 to $699: 65
  • $700 to $749: 41
  • $750 to $799: 85
  • $800 to $899: 213
  • $900 to $999: 321
  • $1,000 to $1,249: 1,077
  • $1,250 to $1,499: 1,404
  • $1,500 to $1,999: 896
  • $2,000 or more: 479
  • No cash rent: 117
 


Median price asked for vacant for-sale houses and condos in 2007: $474,085.


Estimated median house (or condo) value in 2007 for:

  • White Non-Hispanic householders: $700,382
  • Asian householders: $786,349
  • Native Hawaiian and other Pacific Islander householders: $395,071
  • Some other race householders: $558,367
  • Two or more races householders: $2,107,048
  • Hispanic or Latino householders: $915,511

Estimated median house or condo value in 2007: $547,984 (it was $243,000 in 2000)
11360:  $547,984
New York:  $311,000
Lower value quartile - upper value quartile: $0 - $0

Mean price in 2007:
Detached houses: $768,058
Here:  $768,058
State:  $352,556

Townhouses or other attached units: $654,092
Here:  $654,092
State:  $476,263

In 2-unit structures: $698,731
Here:  $698,731
State:  $482,362

In 3-to-4-unit structures: $499,861
Here:  $499,861
State:  $552,553

In 5-or-more-unit structures: $337,105
Here:  $337,105
State:  $503,284


Owners and renters by unit type in %



Breakdown of mean house values by ages of householders


Housing units in structures:

  • One, detached: 1,464
  • One, attached: 731
  • Two: 1,773
  • 3 or 4: 1,125
  • 5 to 9: 56
  • 10 to 19: 49
  • 20 to 49: 424
  • 50 or more: 3,628
11360 zip code mode of transportation to work chart

Means of transportation to work

  • Drove a car alone: 5,158 (57%)
  • Carpooled: 1,166 (13%)
  • Bus or trolley bus: 923 (10%)
  • Streetcar or trolley car: 6 (0%)
  • Subway or elevated: 615 (7%)
  • Railroad: 669 (7%)
  • Taxi: 18 (0%)
  • Walked: 70 (1%)
  • Other means: 25 (0%)
  • Worked at home: 398 (4%)
 

11360 zip code travel time to work

Travel time to work

  • Less than 5 minutes: 73
  • 5 to 9 minutes: 280
  • 10 to 14 minutes: 577
  • 15 to 19 minutes: 930
  • 20 to 24 minutes: 923
  • 25 to 29 minutes: 397
  • 30 to 34 minutes: 1554
  • 35 to 39 minutes: 256
  • 40 to 44 minutes: 353
  • 45 to 59 minutes: 980
  • 60 to 89 minutes: 1812
  • 90 or more minutes: 515
 

Percentage of zip code residents living and working in this county: 40.8%


Household type by relationship
Households: 19,128

  • In family households: 15,297 (4,193 male householders, 1,181 female householders)
    4,553 spouses, 4,415 children (4,272 natural, 89 adopted, 54 stepchildren), 167 grandchildren, 70 brothers or sisters, 262 parents, 273 other relatives, 183 non-relatives
  • In nonfamily households: 3,831 (1,278 male householders (1,137 living alone)), 2,222 female householders (2,072 living alone)), 331 nonrelatives
  • In group quarters: 120 (98 institutionalized population)

Size of family households: 2,786 2-persons, 1,147 3-persons, 1,033 4-persons, 271 5-persons, 100 6-persons, 37 7-or-more-persons.

Size of nonfamily households: 3,209 1-person, 271 2-persons, 20 3-persons.

2,314 married couples with children.
400 single-parent households (91 men, 309 women).

60.9% of residents of 11360 zip code speak English at home.
6.1% of residents speak Spanish at home (69% very well, 17% well, 11% not well, 2% not at all).
14.9% of residents speak other Indo-European language at home (69% very well, 22% well, 8% not well, 1% not at all).
15.6% of residents speak Asian or Pacific Island language at home (43% very well, 29% well, 25% not well, 4% not at all).
2.4% of residents speak other language at home (66% very well, 23% well, 10% not well).

Foreign born population: 5,457 (28.2%)
(68.3% of them are naturalized citizens)

This zip code:  28.2%
Whole state:  20.4%

Most common places of birth for the foreign-born residents:



  • Korea (29%)
  • China, excluding Hong Kong and Taiwan (7%)
  • Greece (6%)
  • Italy (6%)
  • Poland (5%)
  • Colombia (4%)
  • Taiwan (3%)



Year of entry for the foreign-born population
  • 1995 to March 2000: 435
  • 1990 to 1994: 403
  • 1985 to 1989: 831
  • 1980 to 1984: 900
  • 1975 to 1979: 549
  • 1970 to 1974: 508
  • 1970 to 1974: 519
  • 1965 to 1969: 1,312

White population: 15,126
Black population: 258
American Indian population: 11
Asian population: 3,390
Native Hawaiian and Other Pacific Islander population: 1
Some other race population: 250
Two or more races population: 314

Zip code 11360 races chart


First ancestries reported:

 Other groups: 5768
 Italian: 2855
 Russian: 1433
 Greek: 1100
 Polish: 1064
 United States or American: 980
 Irish: 808
 German: 482
 Hungarian: 276
 Eastern European: 259
 Austrian: 247
 Arab:: 170
 Romanian: 156
 Croatian: 149
 Ukrainian: 143
 West Indian (excluding Hispanic groups):: 131
 English: 110
 Israeli: 109
 European: 101
 Iranian: 95
 Lebanese: 92
 French (except Basque): 89
 Subsaharan African:: 61
 Armenian: 57
 Ethiopian: 55
 British: 51
 Jamaican: 50
 Czechoslovakian: 47
 Swiss: 40
 Egyptian: 40
 Canadian: 39
 Albanian: 38
 Lithuanian: 37
 Scotch-Irish: 36
 Scottish: 32
 Welsh: 32
 Guyanese: 31
 Turkish: 28
 Haitian: 26
 Brazilian: 24
 Barbadian: 24
 Other Arab: 23
 Swedish: 23
 French Canadian: 22
 West Indian: 22
 Yugoslavian: 17
 Scandinavian: 12
 Northern European: 11
 Norwegian: 10
 Serbian: 9
 Slavic: 9
 Trinidadian and Tobagonian: 9
 Iraqi: 8
 Latvian: 8
 Finnish: 8
 Estonian: 8
 Dutch: 8
 Belgian: 7
 Arab/Arabic: 7
 Czech: 7
 Slovak: 7
 Sierra Leonean: 6



Zip code 11360 topographic map

Public primary/middle school in zip code 11360 not listed on the city page:
  • PS 169 BAY TERRACE SCHOOL (Students: 515; Location: 18-25 212TH ST, BAYSIDE, NY; Grades: PK - 06)

Facitilies with environmental interests located in this zip code:

  • ANDREWS FRENCH CLEANERS (78-39 SPRINGFIELD BOULEVARD in BAYSIDE, NY)
    AIR MINOR (AIRS/AFS)
    Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
    Business SIC classification: DRYCLEANING PLANTS, EXCEPT RUG CLEANING
    Organizations: V H A CLEANERS CORP (CONTACT/OWNER)
  • GETTY PETROLEUM CORPORATION SERVICE STATION (204-12 NORTHERN BOULEVARD in BAYSIDE, NY)
    AIR MINOR (AIRS/AFS)
    Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
    Business SIC classification: GASOLINE SERVICE STATIONS
    Alternative names: POWER TEST-GETTY #58085
  • GULF-AUTO TECH S/C (79-01 SPRINGFIELD BOULEVARD in BAYSIDE, NY)
    AIR MINOR (AIRS/AFS)
    Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
    Business SIC classification: GASOLINE SERVICE STATIONS
    Organizations: CUMBERLAND FARMS INC (CONTACT/OWNER)
    Alternative names: GULF SERVICE STATION 120954, GULF SERVICE STATION #120954
  • CON ED - V 3847 (158-11 JEWEL AVE in FLUSHING, NY)
    HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
    (Resource Conservation and Recovery Act (tracking hazardous waste))
  • 23-25 BELL BLVD BUILDING (23-25 BELL BLVD in FLUSHING, NY)
    AIR MINOR (AIRS/AFS)
    Business SIC classification: OPERATORS OF APARTMENT BUILDINGS

Zip code 11360 marital status for males
Zip code 11360 marital status for females


Housing units lacking complete plumbing facilities: 0%

Housing units lacking complete kitchen facilities: 1%

Most commonly used house heating fuel:
  • Utility gas (52%)
  • Fuel oil, kerosene, etc. (35%)
  • Electricity (11%)
  • Bottled, tank, or LP gas (1%)
  • Other fuel (1%)


Place of birth for U.S.-born residents:

  • This state: 12544
  • Northeast: 556
  • Midwest: 125
  • South: 278
  • West: 69

68% of the 11360 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 65% lived in this county.
   Out of people who lived in different counties, 74% lived in New York.

Population in 1990: 20,337. Population change in the 1990s: -987 (-4.9%).

Year Householders Moved Into Unit:




Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 245
Here:  20.3%
New York:  14.0%

Students in private schools in grades 9 to 12 (high school): 164
Here:  23.2%
New York:  13.2%

Students in private undergraduate colleges: 346
Here:  43.1%
New York:  38.2%


Educational Attainment


School Enrollment by Level of School



Class of Workers



Companies with federal contracts located in this zip code:

  • NORTH SHORE INTERNATIONAL INC (213-33 40TH AVE 2ND FLOOR in BAYSIDE, NY; small business): $18,170 in 5 contracts from 2004 to 2005
    Contracts for Trucks and Truck Tractors, Wheeled by Army
    Signed by year: 2000: $0; 2001: $0; 2002: $0; 2003: $0; 2004: $175,060; 2005: $-156,890; 2006: $0.

    Biggest contracts:
    $156,890 with Army for Trucks and Truck Tractors, Wheeled. Signed on 2004-09-22. Completion date: 2008-03-21.
    $18,170, same as above. Signed on 2004-06-16. Completion date: 2006-08-01.
    $0, same as above. Signed on 2004-06-16. Completion date: 2006-08-01.
    $0, same as above. Signed on 2004-09-22. Completion date: 2008-03-21.


Top industries in this zip code by the number of employees in 2005:

  • Health Care and Social Assistance: Nursing Care Facilities (500-999 employees: 1 establishment)
  • Accommodation and Food Services: Full-Service Restaurants (100-249: 1, 50-99: 2, 10-19: 3, 5-9: 1, 1-4: 2)
  • Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (20-49: 2, 10-19: 5, 5-9: 6, 1-4: 17)
  • Health Care and Social Assistance: Services for the Elderly and Persons with Disabilities (100-249: 1, 1-4: 1)
  • Health Care and Social Assistance: Other Individual and Family Services (100-249: 1)
  • Health Care and Social Assistance: Offices of Dentists (20-49: 2, 10-19: 1, 5-9: 3, 1-4: 10)
  • Real Estate and Rental and Leasing: Lessors of Residential Buildings and Dwellings (10-19: 3, 5-9: 3, 1-4: 19)
  • Other Services (except Public Administration): Other Similar Organizations (except Business, Professional, Labor, and Political Organizations) (20-49: 1, 10-19: 1, 5-9: 6, 1-4: 6)

Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)


Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)


Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninst.)




People in group quarters
  • 82 people in wards in general hospitals for patients who have no usual home elsewhere
  • 29 people in homes for the mentally retarded
  • 13 people in hospitals/wards and hospices for chronically ill
  • 13 people in other hospitals or wards for chronically ill


Home Mortgage Disclosure Act Aggregated Statistics For Year 2007
(Based on 6 full and 8 partial tracts)
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED579$331,077254$291,85135$104,0578$31,511,20138$373,307
APPLICATIONS APPROVED, NOT ACCEPTED92$336,41357$329,29512$58,5732$297,9908$355,141
APPLICATIONS DENIED166$371,051127$379,52633$110,8030$021$421,619
APPLICATIONS WITHDRAWN42$329,49754$323,3949$316,3962$34,740,6656$313,695
FILES CLOSED FOR INCOMPLETENESS10$358,21812$413,8854$53,5950$04$173,828
Choose year:  2007 2006 2005 2004 2003 2002 2001 2000 1999
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007
(Based on 2 full and 4 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED16$361,9032$408,245
APPLICATIONS APPROVED, NOT ACCEPTED2$105,1900$0
APPLICATIONS DENIED2$342,6900$0
APPLICATIONS WITHDRAWN4$378,4480$0
FILES CLOSED FOR INCOMPLETENESS2$342,6900$0
Choose year:  2007 2006 2005 2004 2003 2002 2001 2000 1999

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value




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