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How New York’s STAR Program Helps Lower Your School Taxes

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 that commonly rank high on this list are: a good school district and low taxes. Unfortunately, those two items don’t always go hand in hand, but New York’s STAR program can help with this. The NY STAR program is the School Tax Assessment Relief program, and is a tax rebate program that is offered in New York…

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How To Determine VA Mortgage Loan Eligibility

Posted in Mortgage Info

Many veterans are eligible for VA mortgages which usually have more favorable terms than conventional mortgages, as the Dept. of Veterans Affairs (VA) guarantees a portion of the loans. Determining eligibility early in the search for a new home will help you better determine how much home you can afford, as you’ll be able to take advantage of specific home loan programs not available to the general public. To determine eligibility, first keep in mind…

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How Mortgage Lenders Determine Your Qualifying Credit Score

Posted in Home Buying Tips & Info

In a typical mortgage application scenario, a home buyer will have 3 credit scores: one from TransUnion, one from Equifax, and one from Experian.  When you’re applying for a mortgage, you’re probably wondering which credit score will be used, as the numbers can vary between all three. Lenders will typically choose the middle credit score to use when determining your mortgage eligibility. Let’s use the examples below to help us better explain qualifying credit score:…

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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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