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New York’s STAR Program

Posted in Home Buying Tips & Info

A lot of items will make the list of “must-haves” when you begin searching for your new home.  Two of the “must-haves” that commonly rank high up on the list are; a good school district and low taxes.  Unfortunately, those two items don’t always go hand in hand.  Here’s when knowing about New York’s STAR program can help. STAR is the School Tax Assessment Relief program, which can help lower school taxes for qualifying homeowners…

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Who is VA Eligible?

Posted in Mortgage Info

A question that we ask everyone applying for a mortgage is “Are you VA Eligible”?  The VA Home Loan Program is a great and deserving program for our Veterans.  Check out our VA Mortgage section for more details on this great program. But who is Eligible?  How is a Veteran to know if he or she is Eligible for this program?  Aside from the basic standards that most loan programs expect a potential homebuyer to…

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Qualifying Credit Score

Posted in Home Buying Tips & Info

In a typical scenario, a home buyer will have 3 credit scores.  One from TransUnion, one from Equifax, and one from Experian.  Lenders will choose the middle credit score for qualifying purposes. For example: If John applies for a mortgage and has his credit score pulled, he will receive three scores.  Let’s say those scores are 695 (TransUnion), 655 (Equifax), and 682 (Experian).  The higher and the lower numbers will be removed and the middle…

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Choosing the Right Real Estate Agent: It’s All About You

Posted in Home Buying Tips & Info, Mortgage Basics

When you are trying to find the home of your dreams, partnering with a great real estate agent can be a significant advantage. After all, your agent will be there for you during what is potentially the most expensive transaction of your life. So how do you know who is right for you? Take Your Time & Do Your Research One thing to keep in mind is to make sure you take your time in…

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Spotlight on Clifton Park

Posted in Upstate Neighborhoods

Clifton Park is a popular Capital District town located south of Saratoga Springs and north of Albany. Its southernmost location in Saratoga County provides commuters with easy access to nearby employment opportunities, both in the County as well as in the Albany/Schenectady/Troy area, yet residents enjoy an environment that reflects the suburban appeal of the town’s many neighborhoods and hamlets. Capital District residents often think of Clifton Park as a popular place to shop and…

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