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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 of the “must-haves” 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…

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How To Determine If You Are Eligible For A VA Mortgage Loan

Posted in Mortgage Info

If you’re a veteran looking to apply for a mortgage, make sure you know if you are VA eligible before you begin applying.  Determining if you are VA eligible before you begin applying means that you can take advantage of specific home loan programs exclusively available to veterans. The VA Home Loan Program is a program for veterans that can assist you with getting the house of your dreams, whether it’s in the Capital District region…

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How Do Lenders Determine Qualifying Credit Score?

Posted in Home Buying Tips & Info

When you’re applying for a mortgage, it’s important to know which credit score will be used by lenders for qualifying purposes. This is due to the fact that in a typical mortgage application 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 as your qualifying credit score. Let’s use the example below to help us better explain qualifying…

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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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