Life and Homes Syracuse February 2019

Life and

Homes

FEBRUARY 2019

Exceptional Ranch on 6.6 Acres Featured Home Pg. 17

Sweet

Local Listings

Buy • Sell • Build

It’s Time to Make Your Move

FREE

Guide to

Local

Real Estate

Find the Home You Love @ www.LifeandHomes.com

Welcome Life and

Worth The Work & The Wait

Homes

Ready to start shopping for a new home? You’ve got some homework to do before you begin any serious shopping. Start saving your cash. Think down payment, closing costs, cash-reserve requirements. Check your credit score - you’ll likely need it to be 620 or higher to get approved for a loan.

Determine the amount of money you earn each month, after taxes.

Compare this to the amount you spend on your debts and expense. Your housing budget lies within the difference between these numbers. You’ll have two price limits during the house-hunting stage: your own budget and the lender’s maximum loan amount. You want to use the lesser of these two numbers as your spending guide. Don’t let the lender’s preapproval steer you into a mortgage loan that’s too big or restrictive for you. You don’t want to be house rich and cash poor.

Get pre-approved by a mortgage lender. They will tell you whether or not they can approve you for a home loan, and how much you’re qualified to borrow. This will help you limit your shopping to the types of homes you can afford. Being pre-approved can also help you find a real estate agent as pre-approval is practically a requirement these days with most agents.

Considering the amount of money on the line, you can see why it makes sense to have professional help you through the process. Licensed Real Estate Agents are trained to know the market. They can search for homes that meet your criteria and coordinate showings of these properties. An agent can help you evaluate the seller’s asking price using recent sales data, help you determine a fair amount to offer, write up the offer to present to the seller and negotiate with the seller on your behalf. Are you equipped to do this by yourself? If not, hire an agent.

SYRACUSE, NY EDITION

Published By LISI MERCHANT SOLUTIONS, INC DAVID P. LISI - Owner PO BOX 18 HOLLAND PATENT NY 13354 315-865-5845 David@LifeandHomes.com

David P. Lisi, RMC

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

News Shorts

3-4

Front Cover Featured Home

17

Richard Parent Coldwell Banker 16-17 Coldwell Banker Prime

Even with all your ducks in a row and a qualified agent on your side, you’ll need to be prepared to wait. According to the National Association of Home Builders, 2/3 of home buyers searched for more than 3 months before going under contract on a home. What took so long? 42% couldn’t find a home at an affordable price. 36% couldn’t find a home with the features they wanted. 34% couldn’t find a home in their desired neighborhood. 27% got out-bid when submitting an offer.

Will house hunting be easy? No. Will it be worth the effort? Absolutely.

There’s a house for you if you’re willing to work and wait for it.

Kim@LifeandHomes.com

Advertising Deadline

Table of Contents

Product & Service Directory

Corporate Editor KIM LISI

21-23

Back Cover

March Issue February 15, 2019 Senior Account Executive

David Lisi, RMC

david@lifeandhomes.com

P: 315-865-5845

Account Executive

Joel Siegfried, RMC jsiegfried35@gmail.com

P: 315-796-2258

LifeandHomes™ is published monthly by Lisi Merchant Solutions 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 inquire, directly or indirectly, from using the contents of this site.

Copyright © 2019 Lisi Merchant Solutions

Front Cover Featured Home For more information on this Front Cover Featured Home, See Page 17 Listed by

Richard M. Parent

Floyd (Rome)

$489,900 7654 Smith Road- STUNNING 5 BR 3 BATH 3,778 SQ/FT ON ALMOST 7 ACRES! High end quality upgrades throughout! Holland patent schools, low taxes! TRULY A PRISTINE MOVE IN HOME!

Licensed Real Estate Salesperson 315-292-8617 (c) Homes@RichardParent.com

Now with 4 Publications: Syracuse Central New York

( Oneida & Herkimer Counties)

Capital Region Columbus OH

8 Home

Security Hacks Recommended

By Police

Did you know that many police departments have a community affairs officer whose primary goal is to build a strong working relationship with the community?

That means you have access to a trained safety expert who wants to give you ideas to keep your home and neighborhood safe. Read on for eight simple home security hacks from a recent home safety evaluation conducted by a police officer.

1. Change the locks When was the last time you changed the locks?

How many previous owners have there been and how many keys have been given out to neighbors, friends, family or delivery people? You never know who has a second copy, and for less than $100 at Home Depot, you can change your locks immediately.

2. Replace outdoor lightbulbs If you don’t have outdoor flood lights, get them.

If you have them, make sure the bulbs are in working order.

3. Place an alarm sign in your yard Many would-be thieves won’t approach a house if they think it has an alarm. You can get an alarm sign online.

4. Buy an indoor camera Cameras can capture a suspect in the act and let homeowners check the footage from anywhere.

FunLux indoor cameras offer high-quality images and night vision, and they’re motion activated and affordable. You can get them on Amazon for about $25 each.

5. Get out the garden shears Every bush outside of your windows should be below the window line, usually 2-3 feet in height,

newsShorts to maximize your visibility from the inside of your house to the outside, so that means you must trim your bushes. You can get garden shears at your local hardware store for $15.

6. Bake some cookies One of the best ways to stay safe is to work together as a neighborhood. We all need to keep an eye on each other and what better way to start that relationship than with a plate of cookies?

7. Protect your neighborhood There are many measures you can take to improve your community safety, with varying levels of affordability. Some cost hundreds of thousands of dollars and some, like Flock Safety, you can buy for less than $3 per month, per home. Outdoor security cameras, like Flock Safety, can reduce crime and prevent would-be criminals from entering the neighborhood.

8. Ask for a security survey Officers will walk around your house, inside and out, to assess its safety and could reveal some surprising tips. They want to help, and they are motivated to solve and prevent crime.

For more information on keeping your home and neighborhood secure, as well as a free cost estimate for outdoor security cameras, visit www. flocksafety.com/securityhacks. (BPT) -

Budget Checkup For Homeowners & Future Homeowners

A budget is an important tool for firsttime homebuyers and current homeowners.

It’s a great exercise that can free your financial mind! A budget is meant to be a guide to where you should spend your monthly income.

Budgeting can mean guilt-free fun. By making and sticking to your budget, you can spend money knowing exactly how much you need to

set aside for necessities, and how much you can spend on other activities! Budgets are an important tool for the first-time homebuyer because it can help you make your move into a home with a payment that fits your lifestyle and circumstances. For existing homeowners, budgets can help you achieve or maintain financial freedom.

Budgeting can be done by anyone - it just takes time initially to set it up correctly. Gather paychecks, bills and bank statements to get started. You can write down all this information or use a budget tool. Start by calculating your monthly income, which includes not only the amount you may get from a regular paycheck, but also any money you get in government aid, child support or pensions. The next step is to look at your bills and bank statements to find out truly what you spend in each category. This accurate information will empower you to take control of your finances.

Do you see a surplus? That is great! You can take that surplus and contribute to your financial goals, whether that be saving for a down payment, taking a family vacation or building a nest egg.

Do you see a deficit? If so, you can make the changes needed to balance your budget. You can cut back on nonessential items, like eating dinners out, to get financially fit. Having this knowledge is powerful and can help you take the right steps toward financial stability.

A budget is crucial for home ownership, whether you’re a first-time homebuyer or you currently own a home. A sound budget can relieve stress and help you feel confident in the way you spend your hard-earned income.

Vanderbilt Mortgage and Finance, Inc. is a national housing lender that specializes in financing manufactured homes. In business for more than 40 years, the company currently services more than 200,000 home loans and works hard to tailor loans to each family’s needs.

Vanderbilt has an A+ grade from the Better Business Bureau and is a Berkshire Hathaway company. For more information, visit VMFHomeLoan.com. (BPT)

NewsShorts Sponsored by CB Prime Fayetteville (See their ad on the back cover)

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Goodbye Spring Cleaning,

Hello Winter Refresh!

Every year, homeowners anxiously await spring to refresh and reset their homes.

But what if we capitalized on all the time spent indoors during winter to take control of home improvements ahead of time instead? Many homeowners agree that the colder months are the perfect time to cross home improvement projects off the list, feeling more motivated to work on them during this time of year.

Enhancing your home’s value and functionality does not require a full-blown remodel. Strategic updates can make a significant impact and can be completed in just a few days. Consider these smart, no sweat home updates while staying cozy indoors.

Upgrade appliances: Dated appliances can steal from a space’s potential; a simple swap can completely transform the aesthetic of a room, taking it from vintage to polished in a snap. Thanks to Maytag, you don’t have to sacrifice function for style. Whether you’re partial to French door or side-by-side refrigerators, front load or top load washers, explore sleek options at www.maytag. com.

Declutter: Donate or sell trinkets and gadgets you don’t use and focus on organizing what’s left.

Consider storage solutions like closet organizers and kitchen pull-outs that make organization seamless.

Fresh paint: A fresh coat of paint is an affordable update for any room. Whether you paint all the walls in your room or just one to create a focal wall, you can customize this project to your personal tastes and preferences. Why not paint the ceiling too? A fresh coat of white paint can instantly elevate a space by better reflecting light.

newsShorts Replace hardware: The kitchen and bathrooms are typically the most frequented rooms in a home. If you want to add a little pizzazz with minimal effort, focus on the hardware. Replace knobs, handles and hooks with a new look that reflects your personality. Brushed metals have maintained popularity, and brass is poised to make a comeback.

Other materials like wood and glass are popular for hardware, too.

Whether you love it or can’t get through it quickly enough, winter is a perfect time to take on home improvements that are simple and achievable.

With these handy tips, you have the knowledge and power to rejuvenate your home and make this winter a productive one. Update now, so you can relax later! (BPT)

10 Tips for Safer Winter

Generator Usage If your electricity goes out due to snow and ice, a generator can keep your power flowing.

The Outdoor Power Equipment Institute (OPEI), reminds homeowners to keep safety in mind when using generators this winter.

1. Take stock of your generator. Make sure equipment is in good working order before starting and using it. Do this before a storm hits.

2. Review the directions. Follow all manufacturer’s instructions. Review the owner’s manuals (look manuals up online if you cannot find them) so equipment is operated safely.

3. Install a battery operated carbon monoxide detector in your home. This alarm will sound if dangerous levels of carbon monoxide enter the building.

4. Have the right fuel on hand. Use the type of fuel recommended by the generator manufacturer

to protect this important investment. It is illegal to use any fuel with more than 10% ethanol in outdoor power equipment. It’s best to use fresh fuel, but if you are using fuel that has been sitting in a gas can for more than 30 days, add fuel stabilizer to it. Store gas only in an approved container and away from heat sources.

5. Ensure portable generators have plenty of ventilation. Generators should NEVER be used in an enclosed area or placed inside a home, a building, or a garage, even if the windows or doors are open. Place the generator outside and away from windows, doors, and vents that could allow carbon monoxide to drift indoors.

6. Keep the generator dry. Do not use a generator in wet conditions. Cover and vent a generator.

Model-specific tents or generator covers can be found online for purchase and at home centers and hardware stores.

7. Only add fuel to a cool generator. Before refueling, turn the generator off and let it cool down.

8. Plug in safely. If you don’t yet have a transfer switch, you can use the outlets on the generator.

It’s best to plug in appliances directly to the generator. If you must use an extension cord, it should be heavy-duty and designed for outdoor use. It should be rated (in watts or amps) at least equal to the sum of the connected appliance loads.

Make sure the cord is free of cuts, and the plug has all three prongs.

9. Install a transfer switch. A transfer switch connects the generator to the circuit panel and lets you power hardwired appliances. Most transfer switches also help avoid overload by displaying wattage usage levels.

10. Do not use the generator to “backfeed” power into your home electrical system. Trying to power your home’s electrical wiring by “backfeeding” – where you plug the generator into a wall outlet – is dangerous. You could hurt utility workers and neighbors served by the same transformer. Backfeeding bypasses built-in circuit protection devices, so you could damage your electronics or start an electrical fire.

For more safety tips for outdoor power equipment visit http://opei.org/safety-tips/

NewsShorts Sponsored by CB Prime Fayetteville (See their ad on the back cover) 4

LifeandHomes ■ Syracuse

Ronald (Ron)Dailey Licensed Real Estate Salesperson

are you awesome?

We’re

For Exceptional Customer Service,

HIRING

Sell or Buy, Ron’s Your Guy! (315) 727-9861

Free Training • Office & Admin Support • Unlimited Potential

Call 315-569-7355 For Details

6849 E Genesee St Fayetteville, NY 13066

Donna B. Rausch, CRB, CRS

(315) 446-4681

Cell: 315-569-7355

Fayetteville Office Manager Licensed Associate Real Estate Broker

Direct: 315-671-3354 Donna.Rausch@cbpp.com

www.huntrealestate.com

6800 E. Genesee St. Fayetteville, NY 13066

Coldwell Banker Prime Properties can be a great fit for YOU!

Your Home Connection For Central New York

Robert Foster

Judith M. Foster

Karen A. Gage

Vicki Genter

Kirsten Rhoades

190 US Route 11,Central Square, NY 2845 St. Rt. 49, West Monroe, NY

NYS Lic. Real Estate Broker

NYS Lic. Associate Real Estate Broker

NYS Lic. Associate Real Estate Broker

NYS Lic. Real Estate Salesperson

NYS Lic. Real Estate Salesperson

315-676-3948

315-751-1208

315-416-3741

315-436-9877

315.676.3948

N TIO OCA L T A GRE

315-729-9961

MLS# S1167280

2263 County Rt 37, Hastings $149,900 Close To Central Square & I-81***3 Bedroom-Raised Ranch With Finished Lower Level & Family Room & Possible 4th Bedroom Or Bonus Room & Full Bth***Large Kitchen With Custom Made Cabinets - Dining Room & Large Living Room***Walk Out Basement Under Lower Level***Great Large Yard With Above Pool/Deck & Fire Pit. EW RVI E T WA

MLS# S1126827

915 State Route 49, Bernhards Bay $179,900 Custom Built-One Owner Home, Great Views From Every Room of This Open Floor Plan, Easy Access To Large 17 Ft x 22 Ft Deck to Above Ground Pool & Views of Oneida Lake on Both Levels, Plus 10 Feet of Deeded Lake Rights-Access From Youmans Road-A Short Walk From Property, Custom Ash Kitchen Cabinets, Butcher Block Island, Pantry, Foyer. For 3D Virtual Tour visit: bit.ly/915StRt49

Chris Thrall NYS Lic. Real Estate Salesperson

315-420-6691 MLS# S1147710

ME HO W E N

89 Adrian Circle, Constantia $298,500 Bright & Open Floor Plan Ranch, Multi Functional Island Kitchen w/Large Walk-In Pantry, Whirlpool Black Stainless Steel Appliances, Shaker-Style Hardwood Cabinet Doors w/Striking Granite Countertops & Stainless Steel Undermount Sink, Sliding Glass Door Leads To Concrete Patio, LED Can Lighting, Modern Living Room w/Fireplace & Built-In Entertainment Center. For 3D Virtual Tour visit: bit.ly/89AdrianCir MLS# S1140460

CH AN TR A E GR

296 Lower Rd, Constantia $219,900 New Price. Why build when you can have a pristine ranch with everything done!!! Gorgeous, open concept ranch on a peaceful, rural lot. This home has a walkout basement that is ready to be finished and easily double your square footage! ATV and sports enthusiasts, the State trail backs up to this property!! Schedule your private showing today.

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ARE YOU THINKING ABOUT BUYING OR BUILDING THIS YEAR?

Let’s Think Together!

Call Me Today!

With 34 Years of experience, you can count on me to guide you through the process of selling, buying or finding the ideal location to build your new home. I'll make the transaction less stressful and more successful.

Barbara B. Ferro Associate Real Estate Broker C: 315-391-5600 barbferro@aol.com

6866 Genesee St Fayetteville (315) 446-8291

Business Opportunity -Tug Hill Hideaway West Leyden, NY

$195,000

Established Bar & Restaurant on Snowmobile and ATV Trails

Here is your chance to acquire one of the most hopping businesses on Tug Hill. Established in 1972, the Tug Hill Hideaway in West Leyden, NY is a Full Service Bar & Grill catering to outdoorsman’s, snowmobilers, ATVers, hunters and local clientele; Open Year-Round.

The opportunities are endless; • Run it as an established profitable bar & grill • Add lodging for increased traffic and revenues • Bed & Breakfast • Make it your own private club • Convert into a one-of-a-kind private residence • Use living quarters as additional rental income Business sits on 5 acres with option to buy the surrounding 78 acres for an additional $85,000. Seller financing is NOT available.

For a full description of what is included in the sale of this turn key business, visit www.tughillhideaway.com.

Call 315-942-6860 - ask for Owners: Denis or Stephanie.

Selling due to health issues. Business and land are priced to sell quickly.

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LifeandHomes ■ Syracuse

February

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All you could want! Boasting 2,900 square feet, 5 bedrooms, 2 1/2 baths, cherry kitchen, family room with gas FP, living room, dining room, kid’s rec room, walk out basement, fenced in yard and a 4 car garage! $294,500

Beautiful location combined with great space! 4 or 5 bedrooms, 3 full baths, large living room with FP, formal dining room, kitchen with granite tops, 2 car garage and an inground pool.

All mechanicals have been updated! $239,500

Jayne Wentworth, RE Broker 315-363-9191 or 315-264-1456 (C)

Jayne Wentworth, RE Broker 315-363-9191 or 315-264-1456 (C)

Take the time to view this 4 bedroom home that is so impressive! Updated cherry kitchen, living room and family room with gas fireplaces, formal dining, 2 full baths, 2 half baths, 6 garage stalls and a manicured 1 acre lot. $339,500

Over 2,800 sq. ft. in main home plus 1,000+ in finished basement! With a total of 5 bedrooms, 4 baths! Cathedral ceiling great room open to updated kitchen. 1.36 acre lot, new salt water pool and pool house with hot tub. New 40’x 80’pole barn with lift. Great property! Awesome neighborhood! $479,000

Jayne Wentworth, RE Broker 315-363-9191 or 315-264-1456 (C)

Julie Stickels, RE Broker 315-363-9191 or 315-762-3434 (C)

Country location but convenient. 5 acres, 4 or 5 bedrooms, large living room, office, eat-in kitchen with new appliances, 2 ½ baths, finished lower level that walks out to an inground pool and party house! $304,900

Beautiful Colonial has today‘s sought after open floor plan! Family room with gas FP and cathedral ceiling open to oak kitchen with solid surface counters. Living and dining rooms with hardwood floors. 3 bedrooms, 2 1/2 baths. Beautiful views and lovely neighborhood. $209,900

Jayne Wentworth, RE Broker 315-363-9191 or 315-264-1456 (C)

Julie Stickels, RE Broker 315-363-9191 or 315-762-3434 (C)

Sherrill 4 bedroom Colonial offers 2.5 baths. Updated kitchen with granite and new appliances. Living room, dining room plus a family room open to kitchen. Fenced yard.

Newer furnace and air. A lot to love! Sherrill electric rates. $224,900

Stunning hilltop location! 3 bedroom 2 ½ bath Colonial has open floor plan. Large kitchen open to dining area and family room, 3 car attached garage, poured foundation is extra tall! All on 5.82 acres. $259,000

Julie Stickels, RE Broker 315-363-9191 or 315-762-3434 (C)

Julie Stickels, RE Broker 315-363-9191 or 315-762-3434 (C)

LifeandHomes ■ Syracuse

Liverpool Office

www.HowardHanna.com • 7840 Oswego Road • Liverpool, New York 13090 • (315) 622-2111

Shauna M Teelin 315-506-3369 C Office Manager

Cathy Neider 315-622-2111 C Administrator

Tracy Jensen 315-460-0003 C

Teresa L. Marshfield 315-345-9886 C

Mary Bill 315-251-5665 C

Carol A. Jones 315-569-0032 C

Kathleen T. Misurelly 315-447-4683 C

Beatriz S. Burbank 315-409-9628 C

Ryan Jones 315-558-2580 C

Robert A. Morris 315-439-3435 C

Gina Burrows 315-440-2016 C

Donna Lynn Jordan 315 935-5740 C

Angela Pudney 315-516-4015 C

Anne Marie Doyle 315-569-4841 C

Corey Lawson 315-935-4842 C

Carin L. Reeve 315-657-0534 C

Kristina Goodnough 315-345-9542 C

Marie Madero 315-373-5308 C

Joseph C. Scordo 315-727-0355 C

Andrew Hoffman 315-657-1688 C

Diane M Mantooth 315-447-2534

Pamela R. Sebastian 315-727-9749 C

Green...Gold...SOLD!

Tamela S. Hoffman 315-430-1347 C

Martin Marshfield 315-430-8500 C

Rosina St. Denis 315-254-3147 C

Sonya Tyler 315-516-4858 C

Fulton Office

18 Canalview Mall, Fulton, NY 13069 • 315-592-7653 • www.HowardHanna.com

Susan B. Fiorini 315-592-1810 C

Sarah L. Farrands 315-952-8216 C

Linda J. Thomas-Caster 315-952-8213 C

Robert Friske 315-506-6330 C

Stephen Wood 315-532-2066 C

Bonnie Wahrendorf 315-591-4229 C

Home Happens Here.

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ATTENTION SYRACUSE AREA SELLERS

$3,495 FLAT FEE

OR 5% MLS

COMMISSION DON’T LEAVE MONEY

Alex Sen

Licensed R.E. Broker

GSAR 10

Greater Syracuse Association of REALTORS® www.cnyrealtor.com

LifeandHomes ■ Syracuse

ON THE TABLE

Call SenShine Real Estate today.

315-725-7167

Alex Senn Licensed R.E. Broker (C) 315.725.7167

Ed Kasperovich Brian McClusky Licensed R.E. Salesperson Licensed R.E. Salesperson (C) 315.725.6799 (C) 315.534.3484

2112 Sunset Ave Utica, NY 13502 • (P) 315.797.2400

Merima Smajic Lic. R.E. Assoc. Broker (C) 315.272.3730

2236 Connell Terrace, Baldwinsville $219,900

Dream BIG! Stunning Indian Springs colonial with distant river view and beautifully manicured yard will win you over as soon as you pull in. Original owners kept this home meticulous! Living room has grand wall of custom shelving. Family room has gas fireplace and sliding glass doors to deck. Big, eat-in kitchen has custom cabinetry, island and breakfast bar. BONUS 5th bedroom or office too! 2236connellterrace.howardhanna.com

3860 South Street Road, Marcellus $224,900

Can’t get enough summer in CNY? Need a therapeutic dip or quick calorie burning work-out without leaving the house in the winter? How about indoor pool parties YEAR ROUND?! This four bedroom, two bath cape home located in the Marcellus school district has a huge INDOOR heated pool room with an adjacent great room perfect for entertaining, dance or yoga studio, gym, etc.

3860southstreetroad.howardhanna.com

405 Old Liverpool Road, Liverpool $99,900

This lovely home sits on a big, deep lot! Updated kitchen and baths. Hardwood floors have all just been refinished. BIG Master bedroom upstairs has 1/2 bath!

2nd bedroom upstairs has large hall closet. There is also a 1st floor bedroom or if you prefer, use for an office or play room. Formal dining room has bay window that overlooks backyard. New driveway last year.

405oldliverpoolroad.howardhanna.com

8418 Shallowbrook Road B, Liverpool $89,900

This 3 bedroom, 1.5 bath home has been TOTALLY RENOVATED and has a garage AND a basement. The townhouse sits on a cul de sac so no through traffic, plenty of parking in the double wide driveway! No worries here - major improvements in the last 10 years!

New roof (including plywood), Pella windows and slider with built in blinds, hot water tank and flooring all done professionally. Updated kitchen and baths.

8418shallowcreekroadb.howardhanna.com

Pamela R. Sebastian ABR, GRI, SRS

Licensed Real Estate Salesperson pamelasebastian@howardhanna.com

Issued by:

(315) 727-9749 Always On The Move!

Pamela R. Sebastian, ABR, GRI, SRS

Mobile/Text: 315-727-9749 Email: pamelasebastian@howardhanna.com

Mobile/Text:

Green...Gold...SOLD! 7840 Oswego Road Liverpool, NY 13090 (315) 622-2111

Adirondack Real Estate

BIRD’S

2730 Route 28, Old Forge, NY 13420

315-369-2136

Check all the listings at: www.birdsadkrealestate.com

“Own A Piece of The Adirondacks!”

Business Opp W/ Living Quarters $795,000 3rd Lake Ranch

Old Forge

Marine Dealership - 2730 Rt 28 - Business Opportunity with spacious living quarters. Old Forge Marine dealership & garage includes 2 offices, 50’X 100’store and garage on 180ft of road frontage on Rt 28.

Garage has 3 overhead doors in back and 1 in front.

Just Listed

Third Lake $795,000

Tuttle Rd., Old Forge - Year around 4 bedroom ranch home, eat in kitchen beautiful fireplace with boathouse on 100’of lakefront. Features sun porch & walk out basement facing 3rd lake. Great for summer and winter sports!

Raquette Lake

$475,000 Raquette Lake

$179,000

3 bedroom seasonal home with loft on104’road access lakefront. Large 2 Acre Wooded Lot on 150’of Waterfront on Woods Point. Boat Access living room / dining/ kitchen with 2 bathrooms on 1st floor. 1/2 drive in Only. basement. National Grid power, well & septic system.

1st Lake Old Forge

$795,000 Old Forge

1st Lake, 7 bedroom, 2 story home on 343’of Lakefront. Located on a 260 Tuttle Rd . 163’X 306’wooded vacant lot.

1/2 acre lot on South Shore Acres features attached 2 stall garage, 3 full bathrooms, theater room & full basement with exercise room.

$59,700 Old Forge

$125,000 Old Forge

Route 28 - Year round two story, 3 bedroom home on Route 28.

Walk to town.

February

$679,000

North Street, 55 acre wooded lot, sub dividable up to 35 residential lots and or campground. Features town water and possible town sewage.

Recently reduced.

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Add a Bathroom to An

‘Impossible’ Space To Catch

Home Buyers’Attention

When it comes to real estate, you’ve probably heard kitchens and bathrooms typically sell houses. While you may not have enough money for a kitchen remodel, adding a bathroom can be a more affordable way to enhance your property and catch buyers’ attention.

By adding another bathroom to your home, you immediately increase your chances of the property getting noticed. Technology makes it simple for buyers to search properties of interest by their designated criteria. One of those is “minimum number of bathrooms.” By adding to that amount in your listing, you’ll be getting in front of that many more potential buyers.

Adding bathrooms to difficult spacesBathrooms increase a home’s value and add to its functionality - both elements that buyers desire. Homeowners can begin to research opportunities to add bathrooms to their properties presale. This often means enhancing basements, garage slabs and other spaces that can be more difficult for contractors to add plumbing systems with conventional in-floor drainage.

If you have a space that would be ideal for a bathroom but appears to be impossible due to the need to break through concrete or other types of flooring, there’s another solution to consider: above-floor, macerating plumbing systems. Developed a half century ago in Europe, these systems are still relatively unknown in the United States; however, they offer a vast opportunity for homeowners.

Macerating systems from makers like Saniflo reduce waste and paper from the toilet and send it under high pressure through piping directly into the septic or sewer system. No waste is stored, and the systems are low-cost compared to 12

LifeandHomes ■ Syracuse

traditional plumbing. Systems are discreet, quiet and open the possibilities of affordable additions in less time. Learn more at Saniflo.com.

If you want to add a bathroom to prepare your home for resale, don’t be limited by the seemingly impossible. Here are five “impossible” home improvement scenarios where above-floor plumbing may be the solution:

Main floor on-slab constructionOwners of slab-built homes may hesitate to cut into the concrete foundation in order to accommodate conventional plumbing. No matter how careful a contractor is when cutting into concrete, a variety of problems can arise - from unexpected obstructions to poor-fitting patches and even stress cracks.

Above-floor plumbing systems eliminate the need to cut into the slab, so integrity isn’t compromised.

Basements- If your home is built with a basement, bathroom additions can be problematic due to concrete and existing plumbing limitations.

Above-floor, macerating plumbing is a smart solution for fast, cost-effective bathroom additions in lower-level rooms. Now you can highlight the comfortable living space and make it feel like a true entertainment center or like home to prospective buyers.

Historic homes- Opening walls or floors to accommodate piping may jeopardize important historic elements, such as original

wood flooring or plaster walls. Systems like Saniflo’s macerating toilet and plumbing technology eliminate the need to cut through a floor to install new drainage, while minimizing the impact on walls as well. The system also fits easily into small areas like a closet or the dead space behind a stairway, meaning homeowners don’t have to compromise the flow of their historic homes to add a bathroom.

Raised homes- Adding a bathroom to the lowest floor of a raised home can be problematic; conventional plumbing pipes may detract from the aesthetic value of the space beneath the home, which is often used for car ports, porches and decks.

Above-floor plumbing eliminates the need for unsightly pipes, so you can make a great first impression to potential buyers.

Warehouse rehabs- In cities across the country, warehouses have found new life as condos and apartments. The problem is heavy brick construction can make adding traditional plumbing difficult. Above-floor plumbing eliminates the need to cut into or remove bricks, and allows renovators to install attractive, cozy bathrooms in smaller spaces. Imagine how upgrading a one-bath condo to a property with two bathrooms will enhance resale.

If you’re preparing your home for the current real estate market, you want it to stand out. An extra bathroom can help you do that and attract high bids from buyers.

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Call 877-993-7727 or 518-993-5151

Glimmerglasspool@citlink.net

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13

DecKa Real Estate Offer: Triangle Intersection Development site / 3+/- acres / Zoned Residential Commercial Mix use

Price Drop

State Route 11 County Route 4 and Hungary Land Rd. Central Square, NY 13036 * Traffic Count over 7,600 vehicles per day Contact: Don Bailey / Acquisitions

DecKa Real Estate Syracuse, New York 13202 315-744-6858 (Call or TEXT) E Mail: pmdbuss@yahoo.com (Inquires Submissions)

Donald Bailey / President / CEO / Founder

POWERHouse Mortgage Funding: We our Buyers of Seller Financed Notes / mortgages and institutional mortgage portfolios backed by real-estate Nationwide. Also available to Buyers and Sellers of Real Estate, Realtors, Mortgage Brokers, Investors and For Sale By Owner’s is our one of a kind Solution Certified Program (SCP)

MORTGAGEHouse Acquisitions: Purchasers of Non-Performing Single and Portfolio Assets.

DecKa Real Estate: Buyer and sellers of residential and commercial real estate. We also provide private Funding too end buyer, if there not able to retain financing of their own to finalize the purchase, with our one of a kind Solution Certified Program (SCP) PMD Business is a Secondary Market Private Investment Firm that purchases real estate note mortgages, real estate, business notes and other assets Nationwide. We are NOT Realtors or Mortgage brokers or brokers of any kind. But without Brokers, the business industry as a whole / we wouldn’t exist.

Follow us on

14

PMD Business Inc.

Mortgage Note Real Estate Funding Group Syracuse, NY 13202

LifeandHomes ■ Syracuse

Our Real Estate Staff :

www.nnymls.com

Camden

www.cnyrealtor.com

$49,900

38 Main Street - Bring Your Dreams to this 2 story commercial downtown row building (former candy/chocolate store) next to the busy Fastrac store/gas station. Main level storefront with an upstairs 2 bedroom apartment.

MLS#S1162557

Camden

Bambi Norman, Broker/Owner 315-225-5181 Yvonne Carle, Associate Broker 315-727-2800 Lorie Lescenski, Associate Broker 315-225-9238 Bill Norman, Sales Agent

www.camdenny.com/wilkes www.realtor.com

$199,900

11422 Meagher Wells Road-Spacious 3 bedroom, 2 bath Cape Cod home on 2.7 private tree lined acres! Unfinished bonus room over the huge garage. Move in Ready on a no thru traffic country road! MLS#S1158990

Osceola

$79,900

1405 Osceola Road-Gothic Revival style home offering 4/5 bedrooms & 2 baths. 1.3 acre level lot, vintage barn & located directly on the Osceola Snowmobile Trial System & ATV trail system.

MLS#S1152618

Blossvale

$16,900

Herder Road- A mostly wooded building lot that’s 6.74 surveyed acres with 489’ of road frontage, older dug well on property & driveway culvert already in place.

MLS#S1161545

Lee Center

$248,000

10251 Sulphur Springs Road-Spacious 3 bedroom, 2 Bath “Cape Cod” home on 26.8 acres! Inground pool with party deck, spacious gazebo, 2 car garage with work shop area & seasonal half bath. MLS#S1131342

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Taberg

Taberg

$25,000

Osceola

$79,900

1401 Osceola Rd-Osceola General Store Building has been made almost new again! Main level has several open rooms & new full bath for commercial possibilities or a home occupation. Upper level is an awesome 3 bedrm spacious apt. MLS#S1035869

Camden

$174,900

9125 Main Street-Former 2 story U. S. Hotel building offers 7,000 sq. ft. of great possibilities with public sewer/ water. Use your imagination to bring this unique building back to life! MLS#S1142453

$89,900

Taberg

$124,900

Vienna

$190,000

Camden

$94,900

$129,900

Osceola

$21,900

Camden

$99,900

Osceola

$60,000

$184,900

Florence

$34,900

Osceola

$12,900

$79,900

Ryan Road- Well managed & pristine 103 acres of both woods & 3 open hayfields along with 2,660’ on the East Branch of Salmon River. Conservation easement is already in place that gives some tax advantages. MLS#S1160883

Redfield

$103,000

10228 Glenmore Road-Double wide mobile home on 2.7 acres with frontage on Furnace Creek. Offers 3 bedroon/2 baths, oak kitchen w/ appliances, dining room, living room & back addition. High pitched newer roof & huge covered side porch & front covered deck. MLS#S1164566

Vienna

$90,000

Williamstown

Marsh Road - 95 mostly wooded acres with a few small fields that are near the road. Offers 900’ of road frontage with power & phone available at the street. Great hunting property in the northern tier & great place to build secluded home. MLS#S1131982

1022 St. Rt.#13-Three bedroom remodeled colonial home in the country! Offers many updated feature such as roof, siding, furnace & floor to name a few. Bonus room for a home business. All situated on a 1 acre lot. MLS#S1167804

4057 Willson Road East- 4 bedroom, 2 bath country colonial home with additional income from a very nice single wide mobile home to help with your mortgage.

Above ground pool & 4 car garage to boot! MLS#S1146634

8769 Marsh Road- Private setting on 148.9 mostly wooded acres with one open field. Offers a vintage stone foundation barn that has been converted into a simple living space, 4 large bay garage with work shop & an old ranch home that needs to be torn down. MLS#S1131980

11585 Thompson Corners Florence Road - Adorable & well kept Mini Farm on 36 acres of fenced pasture , hay fields & woods. Newer stick build ranch home with walkout basement, lots of nice barns to work with here that are ready for your livestock! MLS#S1138211

90 Third Street-Neat, tidy & easy to heat, mid size colonial home! Offers 3 bedrooms, 1 1/2 baths, main level laundry & large living room with pellet stove. Newer vinyl siding, roof & furnace too! Close to all of Camden Schools for an easy walk! MLS#S1165458

S RE

Osceola

AC 64

$124,900

1573 Osceola Road-Vintage handyman 4 bedroom farm house on 64 acres of both woods & open land with a large spring fed pond, over 3,300’ of road frontage.

MLS#SS1043020

Camden

45 Harden Blvd-Commercially zoned ranch suitable for a business on a high traffic State Route #13. Offers 3 bedrooms, full bath, many hardwood floors, home office space (former beauty shop) with additional half bath.

MLS#S1148406

$74,900

690 Redfield Road- 1 1/2 story home in the heart of fun country! Three bedrooms, beautiful modern bath, living room, huge eat in country kitchen & main level laundry room. Enclosed porch with knotty pine bar, detached barn/garage for great storage. MLS#S1148216

Jewel

22 Third Street-Charming spacious 4 bedroom, 1 1/2 bath village home! Offer a pellet stove in the living room, family/dining room, huge kitchen with large dining area, lots of great living space to entertain & enjoy! MLS#S1155058

Milk Road-Cozy Tug Hill Camp on the groomed snowmobile trail system with 2.9 acres! Offers a country kitchen, living room with wood stove, full bath, bunk room, storage loft & large storage shed. MLS#S1124091

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Osceola

1658 Osceola Road - 5 mostly wooded acres with a nice gravel clearing, old dug stone laid up well, gravel driveway with culvert already in place, power & phone available Make your plans for that Tug Hill Retreat!..

MLS#S1149338

$119,900

7477 Lake Street- Roomy 4 bedroom, 2 bath colonial home near Oneida Lake & NYS boat launch! Large oak kitchen with morning room & dining area off the spacious living room. Detached 2 car garage with a very nice private back yard on a quiet street! MLS#S1153706

Amboy

Farm property with large 2 story dairy barn on 144 acres! Lots of road frontage & fenced pastures used for beef cattle, stream for water, hay fields & several places to build your new home. Additional adjacent parcel of 136 acres available for hunting $79,900.

Florence Hill Road - Secluded place in the woods with a 400’ gravel driveway already in place & a newly built 12’ x 20’ finish as you please building all situated on 6 wooded acres, 400’ of road frontage with power & phone available. MLS#S1135881

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Barker Road- A wooded building lot that’s 5.3 acres where there is a nice place to build near some reforested pine trees. Close to the Tug Hill Snowmobile trail system & ATV trails too! MLS#S1117267

www.Lif ean d H o m es . com

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Contemporary Cape, Privacy & Seclusion On 54 Acres Camden, 10575 Loveland Road 4,800 SQ/FT STUNNING 2009 CONTEMPORARY CAPE ON 54 ACRES OF TOTAL PRIVACY & NEARBY STATE FORESTS! Offers an amazing hickory quality custom kitchen with granite, stainless, functional island, breakfast nook, dramatic vaulted sunlit great room with second floor overlook, pond, secluded park like setting, gardens and surrounding nature, 3 bedrooms (easily up to 5!) 3.5 baths, massive master bedroom suite, media room, first floor laundry, gleaming hardwoods and a getaway rear private den to cozy up to! With winter coming you’ll be impressed with your choice and savings of a conventional forced air system or an EFFICIENT outdoor wood furnace!

The lower level offers an ICF (insulated concrete foundation), ground level walk out, huge family room and lots of

additional areas with great flexibility for a wide range of uses, potential in law apt, or just lots of dry storage! Other property highlights include a 50 X 32 3 car heated garage, half bath, 1,500 SQ/FT heated work shop also with strong in law apartment potential, additional 24 X 32 barn/garage, additional 13 X 40 storage wood shed and the list keeps on going! This home would be a great choice to live the dream or own an outstanding second home to enjoy all of the various NYS upstate offerings! The location offers great proximity to the Syracuse Airport, Utica & Rome, NYS Thruway & I-81, Turning Stone Resort & Casino, Oneida Lake, various tourist attractions, all season recreation with convenient access to snowmobiling, riding trails, hunting, fishing and more! STOP YOUR SEARCH TODAY!!

Georgian Style Estate, Guest Cottage, 12 Private Acres Richfield Springs, 102 Route 167 2 HOMES FOR ONE! BEAUTIFUL GEORGIAN STYLE ESTATE & GUEST COTTAGE, 12 PRIVATE ACRES just minutes from COOPERSTOWN & ATTRACTIONS. Also offers a small CARRIAGE BARN with HORSE STABLES! Exquisitely updated this Nationally Registered Historic property, known as Sunset Hill, offers over 3,000 Sq/Ft, 4 BR’s, 3.5 baths, custom gourmet kitchen, cozy library, massive living room, 2 fireplaces, sunlit windows.

16

LifeandHomes ■ Syracuse

$599,900

$799,000

Enjoy private patios overlooking beautiful gardens, trees and amazing views! Sunset Hill was custom designed by Dwight James Baum in 1923. GUEST COTTAGE offers approx. 650 Sq./Ft., key updates, spacious living room, gardens, cozy front porch. Strong high end seasonal RENTAL demand from the surrounding COOPERSTOWN & Baseball markets! Excellent investment or a Perfect UPSTATE NY SECOND HOME!

Front Cover Featured Home

2 Pristine Homes For The Price of One Newport (Near Adirondacks), 3595 Military Road 2 PRISTINE HOMES FOR THE PRICE OF ONE! TOTAL OFFERING 3,850 SQ/FT, 10 BEDROOMS & 6 BATHS! 28 ACRES OF PRIVACY, SECLUSION & HURRICANE BROOK WATERFRONT! SAVE WITH ADVANCED RENEWABLE HYDRO & SOLAR POWER! A GREAT HIDEAWAY FOR ENVIRONMENTAL ENTHUSIASTS WHILE ENJOYING TODAY’S TECHNOLOGY! Located in the foothills of the Adirondacks, this property & setting alone will amaze you at every turn.

15

Floyd (Rome)

$490,000

MAIN CHALET home offers 3 BRS & 2 baths, GREAT ROOM, loft overlook, massive deck overlooking woods and brook, GUEST HOME offers a 2 BR in law suite, attached garage & 4 BR Guest Suite! A PRIVATE BUNK HOUSE provides even more living space to just get away!

Perfect for extended family living, reunions, retreats, income potential and way more! Direct TV, DSL Internet & Cellular rounds out this unique offering!

Additional Featured Listings RECENT SOLD OR SALE PENDING! LET’S GET YOUR HOME SOLD, TOO! $324,900 Cherry Valley

$239,500 Forestport (Otter Lake) $139,900

Barneveld

$399,900 Rome

$229,900 West Winfield

$119,900

Rome

$249,000 Mohawk

$169,900 Oneida

$102,500

North Bay (Waterfront) $299,900 Ilion (Farm/Acreage)

$269,900 Whitesboro

Mohawk

$184,900 Ilion

Springs $799,000 $167,500 Richfield 102 Route 167 -2 Homes For One! BEAUTIFUL GEORGIAN ESTATE & GUEST COTTAGE on $44,900 UPDATED 12 PRIVATE ACRES, minutes from COOPERSTOWN,

$118,000 Ilion

S RE

AC 97

Barneveld $399,900 396 Dover Road - HISTORIC GREEK REVIVAL UPDATED ESTATE NEAR TRENTON FALLS, 5 ACRES, 5,000 Sq./Ft. BARN with STABLES.This historic 3,252 Sq/Ft 4 BR home offers it all. QUALITY UPDATES Minutes from the Adirondacks.

Cherry Valley $239,500 4075 County Hwy 33 - 2 LEVEL 3 BR 2,744 SQ/FT CONTEMPORARY, 97 ACRES, VIEWS! Minutes from Cooperstown, attractions, trails, privacy, home office/commercial aspects, open kitchen layout, vaulted ceilings & more!

ER OV TC ON R F

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Camden $599,900 15075 Loveland Road- 4,800 SQ/FT STUNNING 2009 CONTEMPORARY CAPE ON 54 ACRES OFTOTAL PRIVACY & NEARBY STATE FORESTS! offers a CARRIAGE BARN, HORSE STABLES, over Amazing hickory quality custom kitchen with granite, stainless, dramatic vaulted sunlit great room.

3,000 Sq/Ft, 4 BR’s, gourmet kitchen.

Floyd (Rome) $489,900 7654 Smith Road- Well appointed contemporary 5 br ranch on 7 private acres, high end finishes throughout! 2 Master bedrooms!

Stunning remodeled custom CHERRY KITCHEN, Granite, stainless, 100% remodeled.

Whitesboro $167,500 5303 Wilcox Road- ACT NOW TO CHOOSE YOUR COLORS & FINISHES FOR TOTALLY NEW MASTER BR SUITE! REMODELED RIGHT FROM THE STUDDING! 3 or 4 BR’s, open kitchen.

Waterville $39,900 1804 Route 12 - BUILD YOUR DREAM HOME OVERLOOKING THE FALLS & 20 PICTURESQUE ACRES! Open fields, stream, waterfalls & swimming holes., about 15 minutes to Utica.

NT RO RF E AT

W

West Winfield $184,900 6890 County Hwy 18 - TRANQUIL WATERFRONT PROPERTY, PERFECT SECOND HOME OR JUST ENJOY YEAR-ROUND CHARM! 3 BR Cape,1,900 Sq/Ft, home office, garage/workshop, minutes from Utica, Cooperstown.

Rome $127,500 207 Dale Road,- 1,117 SQ/FT 3 BR RANCH, GREAT LOCATION, Spacious kitchen, private yard, central air, sunroom! Other separate lot behind this property also available, a unique offering!

SOUGHT AFTER AREA!

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17

ATTENTION REALTORS & BUSINESS OWNERS START CONVERSATIONS WITH NEW CUSTOMERS

TODAY!

Ask us about our approach to generate new leads through social media!

For Information Contact:

David P. Lisi, RMC

Owner / Real Estate Marketing Consultant

Call: (315 )865-5845 or Email: David@LifeandHomes.com

18

LifeandHomes â– Syracuse

Adirondack Real Estate

BIRD’S

2730 Route 28, Old Forge, NY 13420

315-369-2136

Check all the listings at: www.birdsadkrealestate.com

Adirondack / Old Forge Business Opportunity Old Forge Marine Dealership w/ Living Quarters

$795,000

2730 Route 28, Old Forge NY- Well established Old Forge Marine Dealership & Garage for sale. Includes 2 offices, 50’X 100’store & garage on 180 ft. of road frontage on Rt 28. The property is 280 ft. deep.

The Garage has 3 overhead doors in the back and 1 in front. Hydraulic lift & compressor are included. Space was previously used as an automotive garage and snowmobile dealership.

Spacious 50’X 50’2-story living quarters above the shop includes 4 bedrooms, 1 1/2 baths, living room, kitchen/dining with a section for laundry w/ washer and dryer included. A brand new sun room and porch have been added to the existing home.

Possible owner financing available. | Call 315-369-2136 for more information.

Life and

Homes

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LifeandHomes Product & Service Directory Please Support These Fine Local Businesses!

Home Inspection

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Well & Septic Testing. Serving Central NY. Annie-Laurie Hunter Lic.# 16000007476 www.ArdentHomeInspections.com

GLIMMERGLASS SWIM SPAS & POOLS One piece fiberglass pools, 28 models to 518-993-5151 Member Since 02/18

choose from. Quick Installation, easy to clean, built in steps and seats, no seams. Available in white or colors. Glimmerglassspas.com

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ARDENT HOME INSPECTIONS, LLC Residential Home Inspections, Radon Testing, 315-481-4237

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Electronic Inspection Report Emailed Same Day.

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Office: 315-299-3441 AnnMcGrathEsq@msn.com

AnnMcGrathLaw.com

Real Estate Transactions & Estate Planning.

Product & Service Directory

SOLVE IT WITH SOLVAY

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Call David at 315-865-5845 or email David@LifeandHomes.com to participate.

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(315)-481-4237 Home Inspections, LLC Complete Residential Home Inspections All Home Inspectors in New York State are Licensed.

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Visit us online for videos and more information.

Not sure what to choose?

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t Vets ge

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Cal

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800-823-3307 | www.FlipTite.com The Apartments at 7 Legacy Drive

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Amenities include, but are not limited to:

The Largest Selection Of Quality Stained Glass in the East!

HAND MADE ON THE PREMISES

•2 Bedroom Apartments •Fitness Center •Sparkling Pool •Community Center •Pet Friendly •Dog Park

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Saturday 9:00 a.m.-4:00 p.m.

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The Apartments at Legacy Drive are Pet-Friendly and is happy to welcome your pet into our community.

Don’t see YOUR Product or Service info in this issue?

Contact David Lisi 315-865-5845 David@LifeandHomes.com www.LifeandHomes.com

Don Dwyer & Patrick Duell Owners/Artisans

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February

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21

Product & Service Directory

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| ArdentHomeInspections.com

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Whether you’re concerned about radon, the age of the roof, the state of the wiring, or how wet the basement might get, a home inspector can provide answers.

• Residential Home Inspections • Radon Testing • Well/ Septic Testing Recipient of The Gregg Harwood Award of Excellence - the highest honor in home inspections in CNY.

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22

LifeandHomes ■ Syracuse

Product & Service Directory

WINTER BLOW OUT! The Next 5 Units as Low as $1025 The Apartments at Legacy Drive are Pet-Friendly and is happy to welcome your pet into our community.

The Apartments at 7 Legacy Drive in Baldwinsville, NY is a beautiful, welcoming community

Amenities include, but are not limited to • 2 Bedroom Apartments • Fitness Center • Sparkling Pool • Community Center • Pet Friendly • Dog Park

The Apartments At Legacy Drive www.newlegacyapartments.com • 315-352-0235

February

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www.Lif ean d H o m es . com

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Coldwell Banker Prime Properties 6800 East Genesee Street Fayetteville, NY 13066 Office: 315-446-2910

We'll help you find your Home for The New Year!

David “Dave” Pridgen C: 315-657-7631

Mark Ceretto C: 315-420-0634

Susan Li C: 315-278-7860

Kathleen Pawlowski C: 315-427-7604

Miriam “Mimi” Bashore

Donna Rausch

C: 315-345-6643

Branch Manager

C: 315-569-7355

SEFCU Mortgage Services understands the importance of good relationships.

Contact a SEFCU Mortgage Services Loan Originator at 315-701-1390 or apply online at sefcumortgageservices.com today.

We Offer: • 24-hour turnaround on pre-qualifications • Competitive rates and low fees • Knowledgeable, friendly mortgage professionals available at any time to help - even on weekends!

• Great variety of programs - New Construction, Conventional, FHA, VA, USDA, SONYMA first-time home-buyer programs, and Mortgage Match* (receive up to $7,500 to purchase a home).

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LifeandHomes ■ Syracuse

*Ask for specific program requirements.