Supplement to the Original Valley Pennysaver, the Family Pennysaver and the DollarSaver Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com
28 So. Main Street, Gloversville (518) 725-3405
www.glovecityrealty.com Amy Goebel, Licensed Real Estate Associate Broker
Amy and her husband Chuck Goebel along with three young children Emma, Derek, and Jordan have lived in the Broadalbin area for the past 8 years. Amy is from New Hampshire and has her Masters Degree in Teaching Physical Education from UNH. Amy provides her clients with lots of knowledge and experience.
Janet Hoose, Licensed Real Estate Salesperson I graduated from Mayfield Central High School. I've lived in the city of Gloversville for 38 years with my husband, John. I worked at the local phone company as a telephone operator for fourteen years. Then I was a waitress for eleven years. One of my dream occupations was to become a Real Estate agent, and have been working full time for eight years, and enjoying it. It's a challenge at times, but I love helping people find the right home.
Anthony Christiano, Licensed Real Estate Salesperson Tony is a native of Gloversville and along with his wife, Denise enjoy their family, children and grandchildren. Tony is FULL TIME and gives 100%. Make him your agent.
Dominica Gasbarra, Licensed Real Estate Salesperson Donna has been a licensed real estate person with Glove City Realty for 8 years. I was born and raised in Peekskill, NY and lived in the town of North Salem for 25 years with my husband Bill and two children, Staci and Billy. We have owned our home in Bleecker for 16 years and recently decided to move to the Town of Oppenheim.
Tara Keane, Licensed Real Estate Salesperson
John Lambo, Licensed Real Estate Salesperson
I currently reside in Bleecker. After graduating from Mayfield high school. I earned BS at Alfred State and SUNY Fredonia. I am currently serving our community at Nathan Littauer Hospital as a Medical Technologist. I am now looking forward to helping people find their DREAM HOME.
John along with his wife Nadine and daughters Molly and Maggie have lived in the area for 17 years. John works for Stewart's and currently lives in the Town of Mayfield and is developing a second career in Real Estate specializing in Residential Real Estate.
Marianne Edwards, Licensed Real Estate Salesperson
GIGI - COMPANY MASCOT
Marianne, along with her sons Jake and Lucas, lives in the Town of Mayfield. Marianne is an entrepreneur. The owner of the very successful School House Treasures and also is an established Real Estate Investor and knowledgeable of The Great Sacandaga Lake as the owner of Lakefront Properties. She is a graduate of Northeastern University with a Degree in Marketing.
Judi Zimmerman
Page 1 • REAL ESTATE GUIDE • February 2, 2013
R E A L E S TAT E G U I D E
February 2, 2013 • REAL ESTATE GUIDE • Page 2
Page 3 • REAL ESTATE GUIDE • February 2, 2013
MORTGAGE & HOME BUYING UPDATE
How to Survive Buying Your First Home First time home buyers easily can be overwhelmed by the process of buying a home. In addition to the legal hurdles associated with purchasing a home, the stress of committing such a substantial amount of money can lead to some sleepless nights. But first time home buyers in the market for a home can prepare themselves for the process ahead of time. Though the following tips might not guarantee a smooth and stress-free home buying experience, they can answer a few questions and facilitate the process.
The lowest home prices in years and tax incentives are driving many people to purchase their first home. Few things are simultaneously as exciting and nerve wracking as becoming a homeowner. Preparation can make sure individuals are covering all of the bases.
• Establish your price range.
• Expect to pay costs.
As the housing crisis of the last several years indicated, many homeowners got in well over their heads. Some lost their homes to foreclosure, while others found it extremely difficult to pay their mortgage each month. First time buyers can avoid such scenarios by honestly assessing what they can afford and searching for homes within their price range. A host of Web sites, including some lender sites, provide free mortgage calculators so buyers can see just what they can afford. Lenders often recommend spending less than 30 percent of income on housing costs.
Closing costs are often a big shock to first time home buyers. Closing costs include lender fees, title and settlement fees, taxes, and homeowners insurance or homeowners association fees. Bankrate.com provides an annual closing cost survey for buyers to get a better feel of just what they will be spending when the time comes to sign on the dotted line. A lender can also give an estimate of what fees may total.
• Research rates and taxes. Certain external factors beyond the price of the home will factor into a homeowner’s monthly financial commitment. Taxes and homeowner’s insurance can vary greatly depending on a home’s location. Research property taxes in different communities, and show around for homeowner’s insurance when looking for a home.
VMM
• Consult some professionals. Real estate professionals in the area might be able to paint a picture of what the real estate market is like at the moment. Prices might be on the rise, on the decline or remaining steady. If looking in a specific area, consult with a real estate agent about the area and what to expect. When shopping for a home for the first time, buyers should expect the unexpected. However, the surprise element can be reduced if buyers do their homework before starting the process.
Virginia M. Mackey, LLC Real Estate
Office: 518-212-5680 ext. 111 Fax: 518-212-5683 Cell: 518-321-4374
226 E. Fulton St., Gloversville, NY 12078
Beth Wanmer Licensed Real Estate Salesperson (518) 773-3298 • FAX (518) 725-8615 • Cell (518) 420-5953 www.vmackey.ihouse2000.com email: bethwanmer@gmail.com
Polly Slezak Licensed Loan Originator E-Mail: pslezak@homesteadfunding.com www.homesteadfunding.com/pslezak 4812 State Highway 30 • Amsterdam, NY 12010
www.judithannrealty.com judy@judithannrealty.com CELL: 518-424-5621
Judith A. Phetteplace Licensed Real Estate Broker 316 MOHAWK DR. TRIBES HILL, NY 12177
HOME: (518) 829-7813 OFFICE: (518) 829-7250 FAX: (518) 829-5119
TIM ADAMS
Licensed Inspector #16000045787
MOHAWK VALLEY INSPECTIONS Your Full Service Home Inspection Headquarters Web Site: www.mvhomeinspections.com
Contact Information Office: (518) 762-5706 mvinspections2@nycap.rr.com
February 2, 2013 • REAL ESTATE GUIDE • Page 4
#3137 - Dolgeville - 2 family village home on large lot with plenty of parking. All separate utilities, natural gas heat, nice large rooms, 5 bedrooms total, great for owner occupant, first time buyer. . . . . . . . . . . . . . . .Only $45,000
#3069 - Salisbury - 6.6 Acres with nice horn barn and small cottage, also workshop w/heat. Nice new homesite, open with some woods, great for hobby farm. . . . . . . . . . . . . . . . . . . . . $55,000 #3093 - Dolgeville - 33 Ransom St. Well maintained 4 bedroom home with new family room addition. 100x150’ lot with 2 car garage, beautiful level land and located on dead end street. Lots of living space and energy saving improvements. . . . . . . . . . . .$119,900 #3064 - Salisbury - Rte. 29A - 3 Acres with 3-4 bedroom farmhouse and large pond. Open & wooded land, nice setting, many updates, but needs more cosmetic work. . . . . .Asking $54,900 United Country HBE Group, Inc. Specializing in Country Homes, Land and Recreational Property www.unitedcountry.com 6 Slawson St., Dolgeville, NY 13329 Ph: 315-429-9754 • Fax: 315-429-9363 hbegroup@twcny.rr.com • www.dolgeville-ny-real-estate.com
MOHAWK Towne & Country Realty Sue Leavitt, Licensed Real Estate Broker Corner Rte. 5 & McKinley Rd., Palatine Bridge, New York
518-673-5482
NEW
Village Colonial $129,900
Batteries Not Included . . . $94,500 1960 All Electric Fort Plain Ranch on an oversized lot at the end of the hill w/country views; 3 bedrooms, living room with fireplace, dining, kitchen, laundry, full bath, basement office, radiant heat throughout. Att. garage.
Very nice 3-4 bedroom spacious Nelliston brick, sunporch, pocket doors, wide-board floors, original staircase, landscaped LARGE yard overlooks the Mohawk.
Palatine Bridge . . . $143,500
Canajoharie . . . $86,500
Victorian 2-3 bedroom home w/apart. Foyer has open staircase & fireplace. Living room w/fireplace, 1 3/4 baths, kitchen has breakfast nook, small den or office. Beautiful hardwood floors, french doors, deep lot w/garage, Mohawk River view & area for wildlife refuge.
A brick fireplace in living room, Canajoharie 3 bedroom Cape with hardwood floors, white pine kitchen, full bath, large attic & basement, garage and big fenced yard. Affordable taxes.
Amanda Haig, Sales Assoc. Pete Manikas, Sales Assoc. Joann Christman, Assoc. Broker Connie Dingman, Sales Assoc. Nancy Dornburgh, Assoc. Broker
518-673-3235 518-673-5482 518-256-4911 518-673-2026 518-993-2335
Visit Us: www.mohawk-realty.com
“...for the personal attention you deserve!” LANA RUGGIERO, GRI, ASP 11 Forest St., Gloversville (518) 470-4738 www.ruggierorealtyllc.com • mruggier@nycap.rr.com
144 Prospect Ave., Gloversville
200 W. Fifth Ave., Johnstown
Magnificent European style contemporary boasting 5 bedrooms, 7 baths, 2 living rooms, formal dining room, sunroom, office space, lower level studio/bar, kosher kitchen and so much more!
Lovely home, lovely yard, lovely location. 5 beds, 3.5 baths, in-ground pool, hot tub, wet bar, large attached garage plus huge RV garage. City amenities, easy access to NYS Thruway.
119 Bertrand Rd., Mayfield
6 Brant Rd., Johnstown
Enticing year round ranch with beautiful 30 ft. permit on the Great Sacandaga Lake. Pristine condition inside and out. Views from the deck, lots of storage, well manicured, spacious yard.
Phenomenal 3 level ranch on just about 1/2 acre, with beautiful in-ground pool, gazebo, screened in summer room. Plenty of living space and storage with 3 beds, 2 baths and 2 car garage.
Page 5 • REAL ESTATE GUIDE • February 2, 2013
Savvy Tips to Help Sell Your Home There are so many questions that surround selling your home: Which realtor should you choose? How do I lure potential buyers? Don’t put your home on the market blindly. Following are a few tips to help get you started: CHOOSING A BROKER Speak with two or three brokers from different agencies. Ask them the same questions to compare what they would do to sell your home. Some questions to ask include: • How many years have you been in business? • How long have you sold houses in this area? • How many houses did you sell in the past year? • What is your commission? • If I were to work with you, how would you best market my house? • Will you organize meetings with potential buyers and will you coordinate them personally? • Can you give me names and telephone numbers of others families that have that have used your services?
PREPARING YOUR HOME
• Get rid of odors.
So you’ve chosen a broker but now you have to get your home in gear. No matter how much or little it costs, its important to do some “spring cleaning” to your home before you put it on the market. Paying even a little attention to the details can make a huge difference in the appearance of your home and attract more interest from prospective buyers. Some ideas include:
Place potpourri around the house, especially if you have pets or a smoker in the family.
• Clean the exterior.
• Eliminate clutter.
Keep the grass cut and the outdoor area tidy. Paint or wash the exterior of the home including windows, shutters, siding and doors. Examine the gutters, chimney and driveway; get them into good condition. Seal any cracks in foundation or walkways.
Remove any unnecessary garbage from your closets, garage, attic and basement. Store garbage, debris, lawn mowers and hoses out of sight.
• Touch up the interior. Clean and brighten rooms that have heavy traffic with a fresh coat of paint. Wash wallpaper, tiles, paneling, floors, carpets, tubs and showers. Clean heat and air-conditioning air filters.
It’s IMPORTANT to get your home into top notch condition for prospective buyers.
Office: 518-212-5680 Fax: 518-212-5683 Cell: 518-321-4374
Paul Hans
• Repair leaking or worn faucets and oil squeaky doors. Also, clean underneath sinks, fixing any leaks and painting any areas with visible damage.
• Prepare it for the arrival of guests. Put your best face forward. Store any items you don’t want visitors to see or have access to, like jewelry or other valuables. Get rid of excess furniture. Flowers and new guest towels also make a subtle yet important difference. Good luck!
VMM
Virginia M. Mackey, LLC Real Estate 226 E. Fulton St., Gloversville, NY 12078
Marguerite King “Markie”
Branch Manager/Licensed Loan Originator
Licensed Real Estate Salesperson
E-Mail: phans@homesteadfunding.com www.homesteadfunding.com/phans
(518) 773-3298 • FAX (518) 725-8615 • Cell (518) 774-2717 www.vmackey.ihouse2000.com email: markie@citlink.net sewbusymarkie@yahoo.com
4812 State Highway 30 • Amsterdam, NY 12010
Ed Pierpont
NY Lic. #16000022349 NACHI #05122792 104 Reed Street Canajoharie, NY 13317
Gott U Covered • HOME E INSPECTIONS S•
(518) 332-6294 Fax (518) 673-3667 epierpont@ny.nachi.org
GotUCoveredHomeInspections.com
Res: 518-829-5163 Cell: 518-424-9752 www.judithannrealty.com E-mail: joelle@judithannrealty.com
Joelle L. Phetteplace-Bluvas Associate Broker 316 MOHAWK DR. TRIBES HILL, NY 12177
OFFICE: (518) 829-7250 FAX: (518) 829-5119
February 2, 2013 • REAL ESTATE GUIDE • Page 6
Kinship Properties Inc.
2 Locations To Serve You
St. Johnsville Branch
Dolgeville Branch
54 East Main Street, St. Johnsville NY 13452 • (518) 568-2776
10 E. State St., Dolgeville NY 13329 • (315) 429-9750
Sam Licari -Broker 518-568-2776
Debbie Sicilia - Salesperson 518-495-5770
Bob Snell - Salesperson 518-321-9897
Heidi Mouyos - Salesperson 315-717-7269
GLOVERSVILLE Walnut Street Priced to Sell At $109,500
John Case - Salesperson 518-281-8008
EPHRATAH Cty. Rte. 119 Outstanding Chalet three story home. 125 acres with 2 garages. Double fieldstone fireplace, security system / total privacy. Good hunting.
Newly renovated, Owner willing to put down flooring of buyers choice! Everything is brand new from top to bottom! Off street parking. Single family home or starter home!
Call Debbie at 518-495-5770
Call Debbie 518-495-5770 or Jim Van Duesen 518-332-6769
GLOVERSVILLE 482 West Fulton St. Ext. $159,000
PALATINE BRIDGE 127 Failing Hill Rd. $279,000 4 Family exceptional property, 4 living units, perfectly maintained. Present operating income very good. Owner financing available for qualified buyer. Only 5 minutes from Canajoharie exit of the thruway. Call John Case 518-281-8008
SALISBURY 2114 State Rt. 29 $445,000 The Country Store & Apartment. This gas station, convenience store, gift shop, ice cream parlor, restaurant and bar is a wellestablished neighborhood store with an active walk-in business, as well as a steady clientele. Only provider in area with non-ethanol gas and total fuel sales that vary from 16,000-20,000 gallons per month. Newly built successful restaurant and bar. Property has a beautiful 2 bedroom apartment for the prospective buyer to live on premises or have as an additional income. Great opportunity for a turn key investment. Price includes real estate and all fixtures. SELLER FINANCING TO QUALIFIED BUYER. Call Heidi Mouyos 315-717-7269
CED
REDU
Well-kept split-level home. Has apartment upstairs for additional income if desired. Could be opened up for more bedroom space. 12x12 shed, with above-ground pool, great tree fort playground, and lots of room with fenced-in backyard. Good quiet neighborhood, but yet minutes from city for stores, doctors and in small Hamlet of Meco.
FORT PLAIN 68 Hancock St $120,000 An excellent investment property! This property is currently leased to an Auto Parts Dealer and a religious organization, with a positive cash flow. Excellent location, plenty of vehicle traffic, plenty of parking and good tenants. Call Bob Snell for your appointment @ 518-321-9897
VISIT OUR WEBSITE AT www.kinshipproperties.com
February 23, 2013 Issue Deadline Friday, February 15, 2013
SERVING HOMES IN THE FOLLOWING COUNTIES: c Albany c Fulton c Herkimer c Montgomery c Oneida c Otsego c Saratoga c Schenectady c Schoharie
For More Information Call John Snyder 518-673-0129 Reach Over 110,200 Homes Distributed In: The Original Family
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RE A L ES TAT E GU I D E
February 2, 2013 • REAL ESTATE GUIDE • Page 8