Life and Homes Capital Region

Life and

Capital Region

Homes

FREE m ay 2016

Residential • Commercial • Multi-Family • Land

Entertain In Style Amenity Rich Local Listings See This Lakefront Home On Page 11

FREE

Local Real Estate Magazine

Find the Home You Love @ www.LifeandHomes.com

Welcome Life and

Waiting in the Wings

Homes

Like actors anxiously awaiting their on-stage cue, buyers are waiting in the wings for the anticipated start of the spring real estate market. In preparation, the real estate professionals we’ve been hearing from have been actively engaged in connecting with sellers in hopes of offsetting the current shortage of on-market listings.

Capital Region, NY Edition

Account Executive David Lisi 315-865-5845 david@lifeandhomes.com Sales Representatives

Local market conditions and demand are tending strong - which will hopefully motivate potential sellers to action. Educating yourself on how much your home is worth, understanding market demand and learning what current buyers are looking for in a home may help shift your thoughts of selling from hypothetical to real. Qualified real estate professionals, like the those found in this issue of LifeandHomes™, can help position you to get top-dollar for your listing.

Fully prepared buyers have the hands down advantage, especially in a seller’s market. Shop home loan options before you go house hunting and obtain a pre-approval letter, as opposed to the basic pre-qualification letter. Pre-approval will keep you from looking at houses you can’t afford and will let sellers know you mean business when you find “the” house and are ready to submit an offer.

It’s spring in NY and time to cue the house lights. The time is right and the stage is set. We’re all hoping for a blockbuster season.

David Lisi

315-865-5845 david@lifeandhomes.com

David P. Lisi, RMC

Real Estate Marketing Consultant 315-865-5845 • David@lifeandhomes.com

cherie lussier

518-256-2221 Cherie@lifeandhomes.com

Ting Khumkwa

315-240-0553 ting@lifeandhomes.com

Table of Contents Magazine Deadlines Page

2

News Shorts

3-4

CM Fox Section

8-9

RealtyUSA Section

10

Front Cover Feature Home

11

House Listing Directory

12-13

Ask The Expert Business Directory 14

Advertising Deadline June Issue

April 29, 2016 For advertising rates & info, contact David Lisi 315-865-5845 david@lifeandhomes.com Published by Corporate Office Davi d Lisi, OW N ER 315-865-5845 David@LifeandHomes.com www.LifeandHomes.com/CR-NY

Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

Break a leg -

For franchise information call, 315-865-5845

i David P. Lis

Follow Us on Facebook

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Our Mission Statement: LifeandHomes™ is a real estate marketing company that dispenses real estate and real estate related product and service information into the local area. Using creative and innovative multi-channel platforms, our goal is to help customers increase business transactions and help lift the local economy.

LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2016 Lisi Merchant Solutions, Inc.

Looking for a Franchise?

LifeandHomes™ Franchise is a low cost, home-based, recurring revenue business model.

Our franchise system enables the franchisee to become the Real Estate Marketing Expert in their community.

For more information, contact David Lisi 315.865.5845 david@lifeandhomes.com

Three Questions For First Timers To Consider

If you or someone you care about is like many renters, you may be wondering if the time to buy a home is now.

According to the experts at the National Association of Realtors (NAR), the answer may be “yes.” Interest rates remain low and job growth is holding steady, leading to the strongest year of existing-home sales since 2007.

While renting is a short-term decision and usually involves signing a yearlong lease, homeowners typically stay in their home around eight to 10 years before selling. That’s why, when determining what you want in your first home, it’s important to think about how your life may be different at least five years from now.

What To Ask - Consider these three questions if you’re taking the exciting leap to homeownership: 1. What can you afford? Analyze your financial situation. Have all current debt obligations— credit cards, student loans—been repaid on time?

Find out what you’re qualified to borrow by visiting a lender and getting a preapproval.

2. Do you want a walkable community or leafy suburb? A recent survey by NAR and Portland State University found that 79 percent of participants place importance on being within easy walking distance of places. Having lots of dining and shopping options outside your door is popular but often comes with trade-offs. Consider this: If kids are in your short-term future, you might prefer a large single-family home with a yard to a similarly priced but smaller town house or condo.

3. Would you prefer shiny and customized or a resale with more character? Buying new or used may come down to your wallet. The most recent median price for newly built homes was $292,700, compared to $228,700 for existing

newsShorts

homes, according to NAR. A new home comes with such perks as being move-in ready and giving you the option of customizing the interior.

On the other hand, an existing home may have architectural charm and original hardwood flooring but you may have to compromise on some features when buying a resale.

Once you’ve made your decision, to ensure a smoother buying experience, find a Realtor with expertise working with clients in your desired area. You’ll get invaluable insight on local market conditions and have a guiding hand through the complex process of closing on your first home.

Where To Get Help - To find a Realtor, enter the zip code of the area you want to live in, at www.realtor.com/realestateagents. (NAPSI)

Expert Tips for Creating a Safe Outdoor Space When dreaming of your at-home outdoor oasis, safety may not be topof-mind. But when making decking decisions, a key element to enjoying your retreat for years to come is ensuring it is safe and structurally sound.

The experts at Trex, the world’s No. 1 decking and railing brand and leader in high-performance, low-maintenance outdoor living products, offer the following tips for building a safe and worry-free deck: 1. Know your codes. Codes for building materials were established to help ensure quality and safety.

The primary reference for deck requirements is the International Residential Code (IRC). Use this resource to confirm all your deck materials are code-compliant and deliver the highest levels of quality and peace of mind.

2. Build a solid foundation. The substructure is the foundation that supports your deck, not to

mention your family and friends. Here, again, pressure-treated lumber can warp, rot, twist, split and decay over time. From 2003-2007, more than 20,000 injuries resulted from a structural failure or collapse of decks with a wooden substructure.* For maximum stability and longevity, opt for a steel substructure such as Trex Elevations Steel Deck Framing System. Designed specifically for the outdoors, Elevations is the only steel framing product in the U.S. to be deemed IRC compliant for exterior use. In addition to unmatched structural integrity, steel improves the overall aesthetics of a deck both above and below.

3. Choose durable decking. Decks are exposed to the elements 365 days a year, seven days a week, 24 hours a day. Over time, wood can begin to rot, crack and splinter, increasing the risks of injury and structural failure. To avoid these issues, consider a wood-alternative decking material, such as composite, which offers superior stability that won’t weaken under harsh weather or heavy foot traffic. Composite boards also deliver a smooth deck surface, require very little upkeep (no sanding, staining or painting) and are guaranteed to last twice as long as the average wood deck.

4. Reinforce with railing. In addition to style, railing adds security and support to a deck. In fact, railing is a building code requirement if your finished deck if 30 inches or more above the ground. Available in a variety of styles, composite and aluminum railings are ideal choices for stability and durability.

Keep in mind balusters should be spaced no more than four inches apart to prevent small children and pets from squeezing through.

5. Light the night. Prevent unwanted trips and other mishaps by incorporating lighting into your outdoor space. Trex Outdoor Lighting, for instance, provides sophisticated, understated fixtures to enhance the ambiance - and safety - of any deck.

Available in multiple colors and styles, the energy-efficient lights are dimmable, weatherproof and salt-air resistant. Because they are LED lights, they also are cool to the touch, making them safe for homes with children or pets.

For more deck safety tips, visit trex.com.(BPT) *Consumer Product Safety Commission, “Outdoor Deck and Porch Injury Study,” 2010

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Prepare Your Air Conditioner For Summer Although the dog days of summer are months away, it’s never too soon to begin preparing for them. This includes taking a few simple steps to make sure your air-conditioning system is ready to properly cool your home.

Begin by clearing the area around your outdoor compressor, removing leaves, twigs and other debris that may have accumulated over the winter. The space around and above the unit should be clear and uncluttered.

Next, check the system’s filters, typically located along the return duct. Dirty filters can block airflow and reduce system efficiency, so it’s important to clean or replace them regularly, preferably every month when the system is operating.

Holes or separated joints in the ductwork can also impact airflow and efficiency, so turn your system on and make sure air is flowing properly through the vents. If you suspect a leak in the ductwork, hire a professional to make the necessary repairs.

Use this time to caulk and weather-strip around doors and windows. This often overlooked step will help keep cool air inside your home during warm summer months and warm air outside.

It’s also a good idea to add insulation around air-conditioning ducts when they are located in unconditioned spaces, such as attics, crawl spaces and garages.

Finally, contact a certified technician to do a preseason check of your system. An annual inspection should include the following: • Clean indoor and outdoor coils • Check your system’s refrigerant charge and adjust it, if necessary, to meet manufacturer specifications 4

LifeandHomes ■ Capital Region

newsShorts

• Clean and adjust blower components to provide proper system airflow • Lubricate all moving parts • Inspect the condensate drain for clogs that can cause water damage, affect indoor humidity levels, and breed bacteria and mold • Check thermostat settings and system controls to ensure proper and safe operation • Tighten all electrical connections • Measure voltage and current on motors Taking these steps to prepare your air conditioner for summer will also help to extend the life of your system and save you money by detecting small issues before they become major problems.

To learn more or to locate a Champion HVAC contractor near you, visit www.championhomecomfort.com, or follow them on YouTube and @Champion_HVAC on Twitter. (NAPSI)

Create a ‘Wow-Worthy’

Home Entry

Entire TV shows are dedicated to it, and real estate agents say it is essential when selling your home. So what is “curb appeal?”More importantly, how do you create it for your home?

Even if you’re not planning to sell your home any time soon, some simple steps to boost the attractiveness of your home from the street (so called “curb appeal”) can make it feel more appealing to you and your guests.

Start with the front door From TV to magazines to popular websites, many home improvement experts call out the front door as one of the most important aspects for creating curb appeal. “While curb appeal depends on many factors - landscaping and siding, lighting and lawn care - the front door, the focal point of the facade, trumps the others in terms of importance,” says Donna Boyle Schwartz, a home furnishing writer and editor. Schwartz and other experts offer a range of tips for enlivening your front door.

At the most basic level, a new coat of paint for the front door is a simple and inexpensive update that only takes a few hours to complete. More homeowners are experimenting with bold primary colors on their doors to make the front of their home pop. But if you’re worried that a bright yellow or red might be too much for your tastes, several paint manufacturers offer free online color visualization tools. With a few clicks, you can see how any hue will look next to the color of your home’s siding and trim.

Other ways to perk-up your front door include new handles and locksets. A quick visit to Pinterest.com, Houzz.com or other no-cost to access online resources will show you the range of creative options available.

For many homeowners, the ultimate way to perk-up their front entry is by replacing the door. “Not only does replacing your front entry door kick up your curb appeal, it’s a solid investment with a decent payback,” explains home improvement journalist Karin Beuerlein on HouseLogic.com. A new door provides opportunities to personalize the home’s entry to best suit your current tastes.

Whether it’s a major style change like a switch from Colonial to contemporary, a different type of decorative glass or your favorite wood species, manufacturers offer many ways to make a front door truly your own.

As with paint, many homeowners find it difficult to picture how different door styles would look on their homes. “To make the process of finding a door simple and fun, we’ve created a range of free online design tools,” notes Brad Loveless, product development and marketing manager for Simpson Door Company. “Called Doormagination, these tools include a ‘test drive,’ in which you can upload a photo of your home and compare different door designs.” Such tools allow people to quickly explore the range of options and to see what their personalized door will look like before they order it.

You don’t have to be a design guru to add curb appeal to your home. Paint and door manufacturers, even some local landscape companies, now offer fun and easy-to-use tools to create a “wow-worthy” home entry. (BPT)

DAVALA

Karen Davala REAL ESTATE 518-755-2385 119 Main Street, Philmont, NY www.davalarealestate.com

Colleen Ioele-DeCristofaro

23 Maple Ave., Claverack $265,000

Opportunity presents itself to own one of the handsome Colonial homes that line the streets of the pristine Maple Avenue in the Village of Philmont. Offered for sale for the first time in over 50 years, this Colonial carries original wood trim and tall ceilings. Covered beneath the siding and floor covering lies the original wood floors and siding just waiting to be restored. Two car detached garage with loft offers room for a studio, spare room or storage. Large backyard is a landscaper’s dream. You will enjoy your summer strolls to the local deli, variety store, restaurants and parks. An opportunity not to miss in this up and coming Village.

393 Sutton, Durham

3 Church Street Johnstown, NY 12095 P: (518) 762.8001

Lic. R.E. Salesperson & NYS Certified Appraiser

C: 518-281-4467 • colleend.cmk@gmail.com

$240,000

Once upon a time in a town called Durham stood this eyebrow colonial on 25 idyllic acres with wildflowers, perennials, a primitive barn and a creek to enjoy your afternoons of serenity and in this colonial lived. We will let you turn this fairytale setting into reality with imagination and creativity. This home presents opportunity for you to turn this into your little piece of paradise.

Let us help you make your next move.

27 Tieman Road, Glenville

$270,000

Feel like you’re living on a private estate in the special home just minutes from amenities and easy commuting in this lovely Colonial perfect for entertaining! Large spacious rooms, fireplace in living & dining room, french doors in family room leading to a patio and private fenced area and the sound of a the babbling brook! Custom kitchen, built-in’s galore, oak & cherry hardwood floors! Four bedrooms, 2 baths, central air, new hot water heater. Too many upgrades to list. Move-in Ready. MLS# 201600315

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132 Progress Heights, Mayfield

$390,000

This newly updated 4 bedroom Colonial on a 2 acre lot in the Broadalbin Perth School District is Move In Ready. The 1st floor features an eat-in kitchen, laundry, formal living and dining room, along with 2 half baths. The 2nd floor features, 4 bedrooms and 2 full baths. The exterior of the home is just as spectacular, in-ground heated pool with a stamped concrete deck. A fenced yard, with a lawn sprinkler system, wood deck, screened porch. And just 25 min to down town Saratoga. MLS# 201603574

Joe Mulone

Lic. R. E. Salesperson

518-813-6514

jmulone@verizon.net

78 Scotch Bush Road Burnt Hills NY 12027

www.garnetrealtyny.com

Yankee Realty Inc.

1719 Central Ave, Suite 101 Albany NY 12205

David E. LaMar Licensed Realtor

C- 518-410-1409

Dlamar5126@aol.com 6

LifeandHomes ■ Capital Region

In The Heart Private Oasis Located of The Catskill Mountains

1631 County Highway 41 - Roxbury • 4 Bedrooms & 3 Full Baths Jetted JacuzziTub • Combined Living Room/Dining Room • Chef’s Eat-In Kitchen w/ Custom Cabinets & Granite Throughout • Refrigerator, Dishwasher, Disposal, Cook-Top, DoubleWall Oven, Convection Oven & Microwave • 1st Floor Laundry Area w/Washer & Dryer • Finished Basement w/ 2 Bonus Rooms & Wet Bar • Fireplace & Pellet Stove • Gleaming Hardwood Floors • CeramicTile • Crown Molding •Walk-In Closet • Cathedral CeilingsThroughout

$599,900

• French & Atrium Doors • Deck • Barn • Attached 2 Car Garage w/ Opener • Oil, Geothermal, Radiant Heat • CentralVacuum • Generator • Security System • 2,300 Above Gr. Sq. Ft. • 2,300 Below Gr. Sq. Ft. • 14.5 Acre Lot • Est.Taxes: $8,270 • Roxbury School District • Excellent Condition • Only 15Years Old • BeautifulViews MLS# 201519821

Melanie Jakway

Licensed RE Salesperson

(O) 518.861.7030 (C) 518.265.0979

2390 Western Ave • Guilderland, NY

mjakway@cmfox.com

18TH CENTURY CENTER HALL COLONIAL “TORY TAVERN” 104 Vrooman Cross Road, Schoharie, NY 12157 Now being offered as a home for $395,000 or a turnkey restaurant (George Tory Tavern) for $495,000. Features include over 4,000 sq. ft; 2 scenic beautifully landscaped acres, 3 bedrooms, 2 parlors, 2 dining rooms, commercial kitchen, maids kitchen and tavern room with working fireplace. Seating for 70 plus. Ample parking.

Severson Manor Condominium

80 Maple Ave, Apt H, Voorheesville, NY

Corner Route 7 & 20 Duanesburg NY 12056 (518)895-2902 office (518)231-7241 cell

$180,000

Worry-freelivingisavailableatSeversonManorCondominiumslocatedinthecharmingVillageofVoorheesville. ForSale:Unit H is a Second Floor corner residence with 2 Bedrooms, 1 Bath, 1005 Sq Ft of living space and an open floor plan . Features include: spacious Kitchen, lg Living Rm & Dining area, Hardwd floors, Tiled Bath w/walk-in shower, Lg Bedrooms and closets, and Laundry hook-up. An Elevator and two staircases provide access to the second floor of the two-story building for owners (min. age 62 yrs). See more at: www.80hmapleave.canbyours.com MLS# 201603545

Rural Estates

May

www.century21ruralestates.com

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145 Bullock Road, Slingerlands (New Scotland) LifeandHomes

™

CM Fox Section CM Fox Real Estate

2390 Western Ave. Guilderland, NY 12084 Office: 518-861-7030

Leanne Royer Licensed Real Estate Salesperson C: 518-265-2203

LRoyer@cmfox.com 2620 Berne Altamont Rd, Knox $304,900 Stunning bright and open Victorian on 43.7 private acres with gorgeous views. This whole house has been completely updated! Brand new kitchen with stainless steel appliances & granite counters, new flooring throughout, paint, heating system, and bathrooms. Pocket doors, 2nd floor laundry, large room sizes, open layout and many built in character pieces throughout the home! Huge windows throughout the home let lots of light in. Sit and relax and your wrap around porch and enjoy the views! Minute to Thacher Park.

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LifeandHomes â– Capital Region

49 Bunny Hill Ln, Knox

$229,900

Spacious home in private country setting on 5 acres. This home offers generous room sizes in all rooms, 1st floor master suite, 1st floor laundry, finished porch could be used as an office. Currently 3 bedrooms, but the 2 upstairs bedrooms could be split making it a 5 bedroom as both rooms are huge! 2 car attached garage plus additional detached 1 or 2 car garage. Large eat in kitchen with breakfast bar, formal dining room, Jack and Jill bathroom upstairs! USDA eligible!

20 Pine Knoll Ln, Berne

$159,900

Move right into this year round home with a lake view you will never get tired of! Cozy 2 bedroom, 1 bath home has deeded lake rights on beautiful Warner’s Lake! Sunroom/ family room allows for a serene place to sit and watch the lake. 2 car garage, hardwood floors, large eat in kitchen all just a quick walk to the lake! Quiet dead end road. Come and enjoy your summer in the beautiful Hilltowns!

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LifeandHomes

™

RealtyUSA Section

Call me, your Accessibility Advisor, for a FREE, No Obligation consultation “Making Realty Dreams a Reality” If you or a member of your family are disabled, the prospect of buying a home may seem overwhelming. You or your family member may need a house with specific features and properties with accessibility features are hard to find! An Accessibility Advisor knows what to look for based on the unique needs of each client and develops an individualized home buying plan tailored to find properties to help you achieve the dream of homeownership faster than if you went it alone. Selling a home that has accessibility features or can be easily adapted for special needs? Let’s work together to get your home sold!

Rosalie LaRocco

231 Delaware Ave Delmar NY 12054

RealtyUSA.com

10

Licensed Real Estate Salesperson PEAK Residential Partners Team at RealtyUSA (C) 518-530-7241

LifeandHomes ■ Capital Region

RLarocco@RealtyUSA.com

FRONT COVER FEATURED HOME

LUXURY HOME ON LAKE LONELY

437 CRESCENT AVENUE, SARATOGA SPRINGS, NY 12866 5 Minutes from Saratoga National Golf Club and Saratoga Race Course

Picture yourself hosting parties in the massive game room level. Or, maybe you love to cook - we have a kitchen with a beautiful Wolfe range, perfect for gourmet chefs. And, you have year-round access to one of the state’s most picturesque lakes with great fishing and all water sports. It is the Summer Place to Be.

3 Bedrooms | 4 ½ Baths | Oversized 2 Car Garage 3 Stories | 3,600 Sq. Ft. | Fully Furnished

This perfect Saratoga escape sits on two acres and includes three bedrooms: a Master Suite with a steam room/ shower and Jacuzzi tub on the main level, a Guest Suite upstairs, and Bachelor’s suite just off the downstairs game and entertainment level. Additional amenities include a 10 seat bar overlooking the lake, lake views from every room of the house. An office allows you to work from home, leaving your time free to catch the horse racing, golf and other entertainment Saratoga and the Capital Region have to offer.

luxurylakehomesaratoga.com

$1,495,000

239-565-1958

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LifeandHomes.com

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Albany

Open Market Listing Service™

$139,900

352 State St Unit F

Colonie

$419,000

5 Stedman Way

2 Bedrooms / 1.0 Baths

3 Bedrooms / 3.0 Baths

QSN #414165

QSN #422891

Garnet Realty Joseph Mulone

RealtyUSA.com Carole Amy Pisinski

Lic. R.E. Salesperson

Realtor

518-813-6514

518-489-1000

jmulone@verizon.net

Albany

cpisinski@realtyusa.com

$187,900

2 Fullerton St

Colonie

$499,000

20 Loudon Heights No

3 Bedrooms / 1 Bath / 2 Half Baths

4 Bedrooms / 4.0 Baths

QSN #419931

QSN #410011

Yankee Realty, Inc. David LaMar

RealtyUSA.com Carole Amy Pisinski

Realtor

Realtor

518-410-1409

518-489-1000

dlamar5126@aol.com

Claverack

cpisinski@realtyusa.com

$265,000

23 Maple Ave

Durham

$259,000

393 Sutton Rd

3 Bedrooms / 2.0 Baths

4 Bedrooms / 1.5 Baths

QSN #424132

QSN #409695

Davala Real Estate Karen Davala Licensed Real Estate Broker

Davala Real Estate Karen Davala Licensed Real Estate Broker

518-755-2385

518-755-2385

karenrealestate@yahoo.com

karenrealestate@yahoo.com

Messier’s Auction Services Stephanie Messier -

2015 NYS Womens Auctioneer Champion, Lic. Real Estate Salesperson, Licensed FFL Firearms Dealer, Certified Estate Specialist, Members of the NAA & NYSAA

Call today and ask about our competitive rates and discounts.

3 professional Auctioneers, with a proven marketing strategy!

Your Local Farmers Agent Currently Offers Savings For:

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THIS WEEKEND‘S OPEN HOUSES LifeandHomes.com/CR-NY - Open House Info updated every Friday @ 4:30 12

LifeandHomes ■ Capital Region

LifeandHomes.com

Open Market Listing Service™ Mechanicville

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Schaghticoke

$200,000

345 South Main St 4 Bedrooms / 3.0 Baths

3 Bedrooms / 1.0 Baths

QSN #410307

QSN #416718

RealtyUSA.com Linda Grochmal

RealtyUSA.com Linda Grochmal

Realtor

Realtor

518-489-1000

518-489-1000

lgrochmal@realtyusa.com

Menands

lgrochmal@realtyusa.com

Schodack

$429,900

28 Park Dr

4 Bedrooms / 3.0 Baths

4 Bedrooms / 2.0 Baths

QSN #415888

QSN #423713

RealtyUSA.com Carole Amy Pisinski Realtor

Realtor

518-410-1409

dlamar5126@aol.com

Voorheesville

$88,000

$180,000 80 Maple Ave - Apt H / Condo

233 Flanders Road Equine or Hobby Farm w/ 19 Acres

2 Bedrooms / 1.0 Baths

QSN #417582

QSN #424133

Empire Homes & Commercial Debra Marshall

Lic. R.E. Salesperson

315-765-1210

518-265-0979

mjakway@cmfox.com

Linda Y. Grochmal

Together, We keep your dog Happy, Healthy, & Safe!

David E. LaMar

Licensed Real Estate Salesperson

C: 518.727.3965

A NEW

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O: 518.489.1000

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Life and ™

Licensed Realtor

LGrochmal@RealtyUSA.com

FREE Magazine

518-767-DOGS(3647) • capitaldistrictdogguard.com

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CM Fox Real Estate Melanie Jakway

Lic. R.E. Salesperson

heidimouyos@yahoo.com

With Coupon. Not Valid with other offers or Prior Sales. Expires 6/15/16*

Yankee Realty, Inc. David LaMar

518-489-1000

Saint Johnsville

100 OFF

$299,900

53 Shelterwood Road

cpisinski@realtyusa.com

$

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327 Hudson Av

C- 518-410-1409

Dlamar5126@aol.com

Yankee Realty Inc.

1719 Central Ave, Suite 101 Albany NY 12205

20 Aviation Road Albany, NY 12205

Carole Amy Pisinski

12 Century Hill Latham NY, 12110

Licensed Real Estate Salesperson

Cell: 518.429.1815

518.861.7030

Office: 518.489.1000

Providing the highest level of service to successfully complete your real estate transaction.

Carmella

Crisafulli Richards Sign up for your FREE Magazine Subscription at

LifeandHomes.com | Click on FREE MAGAZINE tab

Associate Broker 20 Aviation Road Albany, NY 12205

(C) 518.928.6486

Carmella@carmellarichards.com

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LifeandHomes Business Directory

Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Advertise LIFEANDHOMES™ 315-865-5845 To advertise your business in this space and be a part of the Capital Region’s ever growing Business Directory, give us a call and join the

Insurance MARYANN O’BRIEN your Local Farmers agent Currently Offers Savings 518-280-1396 member Since 02/15

LifeandHomes™ community!

Auction Service MESSIER’S AUCTION SERVICES Do you have personal or real property you need to 315.225.3565 315.447.6440 sell? you can rely on us for all of your auction needs. member Since 12/15

Home Inspection

member Since 04/16

For: auto, Home, Life, Collectable auto, Business, Renter, Boat, Personal Watercraft, motorcycle,

Serving the Capital District since 1993. NyS Licensed Home Inspector, Lic # 16000005522; NyS Certified Pest Inspector #T5685318; NyS

Lifetime warranty,Outdoor & Indoor systems,Veterinarian approved. capitaldistrictdogguard.com

Condo, mobile Homes, Recreational Vehicles

Pools

JOHN C DELBUONO Personal and Commercial Lines; auto, Home, 315-732-3900 member Since 01/15

ATLANTIC POOLS a family owned & operated business w/ 30 518-279-1785

Liability for you and your business.

member Since 07/15

years experience in the swimming pool industry.

We provide pool installation, renovation, service, or repair & also offer pool care & spa services.

Land

Property Preservation

NATIONAL LAND & FARM 1-877-528-LaND Looking for Rural, Recreational, or agricultural member Since 02/15

VSI LLC 518-371-7944

DOG GUARD OF THE CAPITAL DISTRICT Safe,effective,affordable out-of-sight fencing.

518-767-3647

Call messier’s auction Services, a professional auction company,where the auction action is to your satisfaction. messiersauction.com

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Pet Care

Properties? Check out our network of Real Estate Brokers Specializing in Land and Farm Sales.

LIFEANDHOMES™ REHAB Debris removal, winterizations, rekeying/lock 315-865-5845 member Since 04/12

www.NationalLandandFarm.com

replacement,lawncare,boarding and securing, janitorial services, and repair and remodeling.

Certified Codes Officer

If you would like to be listed here, Please call 315-865-5845

Multifamily/Commercial Loan Programs

LifeandHomes™ Commercial Mortgage has the perfect loan program for you!

Overview

Property Flexibility

Flexible financing programs for commercial properties.

• Specializing in loan amounts $300,000 to $10,000,000.

• Adjustable 3, 5, 7, and 10 year hybrid loans • Maximum LTV 75% • Terms available up to 30 years

• Borrower Credit Issues • Borrower Income Tax Issues • Cash Out • Non-Conforming Lending Platform • “Story” Loans Considered

Property Types • Multifamily (5+ units) • Mixed Use • Student Housing • Mobile Home Parks • Office / Retail • Warehouse / Light Industry

*Rates as low as 4.63% on a 5 year

fixed income property!

LifeandHomes ™

Commercial Mortgage mortgage@LifeandHomes.com

To speak with a loan specialist: 888-357-7255 14

LifeandHomes ■ Capital Region

2296 Route 9 | Mechanicville, NY 12118

Phone: 518-899-7700 | Fax: 518-899-4908

www.victoryfundingonline.com |

Victory Funding

We help our clients find the right loan

We place your business with the lender that offers the most competitive rates and programs to suit YOUR needs, not ours!

Victory Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer Conventional, USDA, VA, FHA, Commercial and Portfolio loan programs. We make the process of securing a mortgage simple and straightforward by offering you the latest in mortgage products that enable you to make sound financial choices. Our experienced mortgage professionals are ready to help you through this challenging time in the financial markets. Call us today for a free consultation.

FREE

Free Pre-Qualifications!

Tim Halladay

Processing & Application Fee

518-899-7700

a $595 Value!

tim@victoryfundingonline.com www.timhalladay.com

Expires 12/31/2016.

Not valid with any other offers or promotions.

Victory Funding NMLS # 49846 Tim Halladay NMLS # 49854 Victory Funding is a NYS Licensed Registered Mortgage Broker. All loan are through third party providers.

May

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LifeandHomes â– Capital Region