Real Estate Guide - March 2019

Spotlight News / The Spot 518

A publication of Spotlight News / The Spot 518 | March 27, 2019

March 27, 2019  |  REAL ESTATE GUIDE  1

REALESTATE Homes, Condos & Townhouses Guide

Home SWEET Home

Quality Customer Service & Proven Results For Any Real Estate Move

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“Hands down some of the most professional real estate agents in our area!� - James W., 2018

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Call today! (518) 935-4800 | Read our 5-star reviews at www.GablerRealtyNY.com | 321 Delaware Ave, Delmar, NY 12054

Lic. R.E. Brokerage

2 REAL ESTATE GUIDE | March 27, 2019

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Visit our clubhouse at 6 Parker Mathusa Place (off Van Dyke Rd.), Delmar

March 27, 2019 | REAL ESTATE GUIDE 3

Spotlight News / The Spot 518

TABLE OF CONTENTS What’s behind door No. 1?

Get the best deal on a mortgage

On page 5

Stepping into your first home How to save up for your first home

On page 6

Welcome to home ownership

Purple Power Add this color around the house

On page 12

Did you know the average cost of a bathroom remodel is $9,275? Did you also know that the median home value in the United States is $221,500? Whether you’re looking to buy your first house or you’re in the middle of a 30-year mortgage and looking to fund a home improvement project, you have some questions to ask yourself. This year’s Real Estate Guide provides answers to some of the questions you’ve been asking yourself, and to some of the questions you should be asking yourself.

Attorneys 2 Normanskill Blvd., Delmar, New York

John F. Maxwell REAL ESTATE AND BUSINESS LAW • Residential Real Estate Closings • Commercial Real Estate Closings • Last Will & Testaments • Trusts and Estate Administration • Business Formation of Limited Liability Companies, Sub-chapter S Corporations, etc.

Paul W. Van Ryn Almost 80 years combined legal experience

518-475-0016 E-mail: mvrlaw@aol.com

MATRIMONIAL & FAMILY LAW • Divorce, Custody, Child Support and Family Law • Uncontested Divorce $900.00+ court costs (based on previously executed Separation Agreement) • Pre-Nuptial Agreements • Simple Separation Agreements (no property and no children) $1,200.00 • Free Initial Consultation (one hour)

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4 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

Get the financial facts about timeshares

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any people turn to timeshares as a way to enjoy annual vacations. But is investing in a timeshare a financially sound decision? That depends on who you ask.

Getting the facts about how timeshares work and learning a few tricks can help anyone make an educated decision about timeshares.

In a timeshare, individuals purchase a place to stay in vacation property. They typically can then use this room and the surrounding amenities once per year, and often must travel to the same location time and again. Timeshares long have held appeal because they are marketed toward people who may not be able to buy a vacation home, but still want to vacation each year.

There are some advantages to timeshares. They provide a guaranteed vacation destination each year in a familiar place. This is great for people who value familiarity.

Timeshares also make it

REALESTATE Homes, Condos & Townhouses

possible to afford a vacation in an expensive resort. Sometimes a person can trade times or locations with other timeshare owners, enabling more versatility and new destination experiences.

For those who have to skip a year, it may be possible to sublet the timeshare or let family and friends use it if the agreement allows.

Timeshares do have some notable drawbacks.

Cost-efficiency is one notable drawback of timeshares. The American Resort Development Association, a trade group for timeshare companies, offers that the average cost of a timeshare is around $20,000, with an annual maintenance fee of $660.

Those fees are paid even if the resort isn’t used that year. Chances are a person can get a comparable vacation elsewhere for a lower cost — especially with the abundance of vacation property rentals available from traditional hotels as well as

Guide

sites such as Airbnb.

A timeshare is not like a traditional real estate investment. According to Investopedia, it is an illiquid asset that is likely to lose value over time. Those who decide to sell their timeshares often find they must do so at a deep discount. Furthermore, those who sell a timeshare at a loss may find the Internal Revenue Service doesn’t let them claim a capital loss, which is often the case with other investments and property.

To make timeshares work, individuals can opt to buy used, which is often at a fraction of the cost offered new by resort developers.

Also, realize that a timeshare is a lifestyle purchase, not exactly a real estate investment. Timeshares are not a way to turn a profit.

Try to purchase in desirable locations as well. Doing so increases the likelihood of resale in the future.

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Inventory is low and homes are in high demand.

Contact us for a FREE Pricing Analysis and beat the spring market!

Our experienced Realtors help homeowners all over the Greater Capital Region sell their homes quickly and for top dollar!

Call today! (518) 935-4800 Read Our 5-Star Reviews at www.GablerRealtyNY.com

Gabler Realty Sold 30+ Homes Near You in 2018!

Slingerlands Delmar

Feura Bush Selkirk

15 Cherry Ave $333,000 64 Fairlawn Drive $285,000 350 Orchard Street $650,000 94 Queen Anne Drive $525,000 15 Haddington Lane Glenmont $285,000 30 Brockley Drive $194,000 49 Thorndale Road $320,000 8 Bedell Ave $190,000 23 Glendale Ave $323,000

Lic. R.E. Brokerage. 321 Delaware Ave, Delmar, NY 12054 *Information not guaranteed.

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WONDERING WHAT YOUR HOME IS WORTH?

Some Local 2018 Sale Prices!

March 27, 2019 | REAL ESTATE GUIDE 5

Spotlight News / The Spot 518

Let’s see what’s behind door No. 1

ve your home F e protection Give your hom Give your home deserves. thethe protection protection Get the best deal on a mortgage

higher the credit score, the of loan products and terms better. Well before shopping from which to choose. for a mortgage, manage • Learn about rates. your debt, paying it off if Become informed of the rate ew people are possible, and fix any black trends in your area. Lower able to walk into marks or mistakes on your rates translate into siga home, like what credit report. nificant savings amounts per they see and then • Investigate various month and over the life of pay for a house in cash. In lenders.

The Federal Trade the loan. Rate may be fixed, the vast majority of home Commission says to get though some are adjustablepurchases, mortgages make information from various rate mortgages (also called the dream of home ownersources, whether they are a variable or floating rate). ship a reality. commercial banks, mortgage Each has its advantages and Getting a mortgage companies, credit unions, disadvantages, and a finanrequires research and some or thrift institutions.

Each is cial consultant can discuss preparation on the part of likely to quote different rates what might be in your best borrowers if they hope to and prices, and the amount interest. get the friendliest terms they’re willing to lend you • Discuss points with possible. may vary as well. Investigat- your financial advisor and Homes are substantial, ing various lenders can help lender. Some lenders aldecades-long investments, low you to pay points in so it’s smart to shop around you rest easy knowing you got the best rate for you. advance, which will lower to find the best rates and Lenders may charge addithe interest rate. Get points lenders available. These tional fees that can drive up quoted in dollar amounts so tips can make the process ere you make someand of getting your best memories, andassociated that’s worth protecting. the overall costs they’ll be easier to compare. of applying a with getting a mortgage.

If you’re unfamiliar with mortgage go smoothly, and p.

Compare these fees as well points, discuss the concept may even help borrowers AY. so you can be sure you get with your financial advisor. save some money.

The vast majority of • Learn your credit score. the best deal.

• Consider a mortgage homeowners secured a Your credit score will be a broker. Mortgage brokers mortgage to purchase their factor in determining just homes. Learning about the how much bargaining power will serve as the middle person in the transaction. A mortgage process can help you have for lower interest broker’s access to sevnew buyers navigate these rates on mortgage loans, eral different lenders can sometimes tricky financial according to the financial translate into a greater array waters. resource NerdWallet. The

itGive deserves. it deserves. your home the protection it deserves.

Your home is where youofmake somememories, of your best andprotecting. that’s worth pr Your home is where you make some your best andmemories, that’s worth We’re here to help.

We’re here to help.

LET’S TALK TODAY. LET’S TALK TODAY.

Give your home the protection it deserves.

Your home is where you make some of your best memories, and that’s worth protecting.

We’re here to help.

LET’S TALK TODAY.

VanDeCarr, Agent make Your home is Elaine where you 848 Kenwood Avenue Slingerlands, NY 12159 Bus: 518-439-1292 some of your best memories, elaine.vandecarr.cklr@statefarm.com and that’s worth protecting.

We’re here to help.

LET’S TALK TODAY.

e Bonavita, Agent Delaware Avenue lmar, NY 12054 s: 518-439-6222 vita.btyd@statefarm.com

JaneBonavita, Bonavita, Agent Jane Agent Jane Bonavita, Agent 210 Delaware Avenue 210Delmar, Delaware Avenue 210 Delaware Avenue NY 12054 Bus: 518-439-6222 Delmar, NY 12054 Delmar, NY 12054 jane.bonavita.btyd@statefarm.com Bus: 518-439-6222 Bus: 518-439-6222 jane.bonavita.btyd@statefarm.com jane.bonavita.btyd@statefarm.com

Elaine VanDeCarr,Elaine Agent Elaine VanDeCarr, AgentVanDeCarr, Agent 848 Kenwood Avenue 848 848 Kenwood Avenue Slingerlands, NY 12159 Kenwood Avenue Bus: 518-439-1292 NY 12159 Slingerlands, NY Slingerlands, 12159 elaine.vandecarr.cklr@statefarm.com Bus: 518-439-1292 Bus: 518-439-1292 elaine.vandecarr.cklr@statefarm.c elaine.vandecarr.cklr@statefarm.com

m Fire and Casualty Company, State FarmFarm GeneralFire Insurance Company, Bloomington, IL State and Casualty Company, State Farm General State Farm Florida Insurance Company, Winter Haven, FL State Farm Florida Insurance Company, State Farm Lloyds, Richardson, TX 1708137

Insurance Company, Bloomington, IL Winter Haven, FL State Farm Lloyds, Richardson, TX

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6 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

Stepping into your first home How to save up for your first home

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ome ownership is a dream for people across the globe.

Many people save for years before buying their first homes, squirreling away every dollar they can with the hopes they can one day become homeowners.

But thanks to factors beyond their control, even the most devoted savers can sometimes feel like their dream of home ownership may never come true.

According to the Pew Research Center, American workers’ paychecks are larger than they were 40 years ago.

However, their purchasing power is essentially the same.

Things aren’t much different in Canada, where analysis from Statistics Canada and the Bank of Canada has shown that, since 2015, wage growth in Canada has been weaker than in the United States.

Ready to remodel that old kitchen or bathroom?

Put the equity in your home to work for you with our Home Equity fixed rate loan or variable rate line of credit!

Call Shoham or Kelly to discuss the best option for you!

Various challenges can make it difficult to buy a home.

However, some simple strategies can help prospective home buyers build their savings as they move closer to the day when they can call themselves “homeowners.”

• Determine where your

Americans spend, on average, 6 percent of their household budgets on food. However, the USDA also notes that Americans spend 5 percent of their disposable income on dining out.”

— The U.S. Department of Agriculture money is going. If you’re finding it hard to grow your savings, audit your monthly expenses to determine where your money is going.

Using exclusively debit or credit cards can simplify this process, as all you need to do is log into your accounts and see how your money

Shoham Piorentino, AVP & Branch Manager, Delmar 197 Delaware Avenue PH: 518.472.0340 NMLS#481299

Kelly Bailey, AVP & Sales Manager, Residential Mortgage Lending 197 Delaware Avenue PH: 518.472.0340 NMLS#481962

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was spent over a given period. If you routinely use cash to pay for items, even just to buy coffee on the way to work, keep a notepad handy so you can jot down each expense. Do this for a month and then examine how you spent your money.

Chances are you will see various ways to save, and

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you can then redirect that money into your savings account.

• Become a more savvy grocery shopper. Another great way to save more money is to alter something you already do each month: grocery shopping. If you haven’t already, sign up for discount clubs at your local grocer. This is a largely effortless way for shoppers, especially those buying food for families, to save considerable amounts of money. Shopping sales at competing grocery stores also can save money.

• Dine in more often.

The U.S. Department of Agriculture says that Americans spend, on average, 6 percent of their household budgets on food. However, the USDA also notes that Americans spend 5 percent of their disposable income on dining out. If these figures mirror your spending habits, you can nearly cut your food spending in half by dining out less frequently. That might be a sacrifice for foodies, but it can get you that much closer to buying your own home.

Saving enough money to purchase your first home is a worthy effort that can be made easier by employing a few budget-friendly strategies.

Spotlight Newspapers Community news

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March 27, 2019 | REAL ESTATE GUIDE 7

Spotlight News / The Spot 518

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n attractive front entrance area gives a home curb appeal that invites both guests and potential home buyers.

Upgrading a home’s exterior can be as simple as painting or as complex as installing new windows or a patio.

Inspiration for a curb appeal “makeover” that reflects the owner’s budget and decorating choices are easy to find online. Stop by the nearest Woodcraft store for tools and supplies, along with helpful advice from the staff, or visit Woodcraft.com to shop and read how-to blogs and articles.

One of the easiest and quickest ways to boost curb appeal is to paint (and repair if needed) a home’s front door, molding and trim. Painting garage doors, porches, shutters, doorsteps, flower boxes, furniture, mailboxes/stands, and window trim are other potential projects, as is changing the front door hardware.

For front door and shutter painting inspiration, visit these informational blogs on Woodcraft.com: Front Door Klein Blue Redo (http://bit. ly/2zSVV9J) and To Thine Own Self Be Blue (http:// bit.ly/2EkUsvR).

Repair & Paint Woodcraft offers these products and ideas for more repairing and painting.

• General Finishes Milk Paint is a premium interior/ exterior mineral-based paint premixed in more than two dozen colors. It is so durable it does not require a topcoat.

However, Woodcraft Product Development Manager Kent Harpool suggests using General Finishes Exterior 450 as a sealer for exterior uses. The 450 is fortified with UV absorbers to stabilize the finish and built-in mildewcide to retard mold and mildew growth.

• Krud Kutter TSP Substitute will clean and degloss almost any surface prior to painting so that paint adheres better.

• System Three Sculpwood Epoxy Putty is a twopart epoxy putty that can be used indoors or out. Mold it, shape it or use it to repair carvings, antique picture frames or even windowsills.

Be sure to add a coat of General Finishes Exterior 450 to seal your work.

• Titebond III Ultimate Wood Glue is waterproof,

Improving a home’s curb appeal yet it cleans up with water.

It allows eight minutes of open assembly time and offers an application temperature as low as 47 F. • HOMERIGHT Super Finish Max and Finish Max Fine Finish HVLP Sprayers spray most solvent or water-based products — latex paint, milk paint, chalk paint, furniture paint, stains, and finishes. The Finish Max is ideal for small- to medium-sized projects, while the Super Finish Max is more powerful and covers a wider range of projects and thicker paints and varnishes with less thinning required.

• HOMERIGHT Spray Shelters are good for furniture projects (large shelter), as well as smaller accessories (small shelter).

Remove, Replace & Build Replacing windows, gutters and downspouts; adding molding to a door; building — outdoor furniture, a unique mailbox and stand, or flower containers; and adding or expanding a patio area/porch require a large investment of time

and money. Look for these products to help with these replacement and building projects.

• Lightweight and quiet, yet easily portable, the Rolair AB5 Air Buddy, 1⁄2 HP Compressor is a durable companion for your weekend projects.

• Use the GREX Green Buddy 18-gauge, 2” Brad Nailer for trim and moldings, light wood assembly, window beading, scribe molding, and door and window casings.

• For precision sawing, efficient sanding, power cutting, accurate filing, scraping, cleaning and polishing, and more, consider the Fein MultiMaster Start Q with a pinless Starlock mounting system and easy snap-in accessories.

• Take SawStop safety, quality and precision directly to your project work area when you choose the portable SawStop Jobsite Saw with Cart.

To learn more about these and other products, stop in your local Woodcraft store, call (800) 535-4482 or visit www.woodcraft.com.

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8 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

Sweat equity adds value to your home Outdoor improvements that boost home value

renovations that tend to add value.

• Fire pit: A fire pit is a great place to gather most months of the year. Bob Vila and CBS news report that a hether home fire pit realizes a 78 percent improvement return on investment, or projects ROI. are design • Outdoor kitchen: to improve the interior or Many buyers are looking exterior of a house, focusing to utilize their yards as an on renovations that make extension of interior living the most financial sense can areas.

Cooking, dining and benefit homeowners in the even watching TV outdoors long run. The right renovations can be assets if and when homeowners decide to sell their homes.

So how is increasingly popular. does one get started? First and foremost, speak to a lo- Outdoor living areas can be custom designed and built. cal real estate agent who is knowledgeable about trends In addition, prefabricated modular units that require a in the community. While much smaller commitment a swimming pool may be of time and money are availsomething coveted in one able. area, it may impede sales • Patio: Homeowners in another. It also helps to study generalized trends and who do not already have a data from various home im- patio will find that adding provement industry analysts one can increase a home’s to guide upcoming projects. value. Patios help a home look neat, add useable space The following outdoor projects are just a few and may help a home to

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REALESTATE Homes, Condos & Townhouses Guide

sell quickly. The experts at Space Wise, a division of Extra Space Storage, say that refinishing, repairing and building a new patio offers strong ROI. • Deck: Deck can be as valuable as patios. A deck is another outdoor space that can be used for entertaining, dining and more. Remodeling magazine’s 2018 “Cost vs. Value” report indicates that an $11,000 deck can add about $9,000 in resale value to the home, recouping around 82 percent of the project’s costs.

• Door update: Improve curb appeal with a new, high-end front door and garage doors. If that’s too expensive, a good cleaning and new coat of paint can make an old door look brand new. These easy fixes can improve a home’s look instantly.

• New landscaping: The National Association of Realtors says an outdoor makeover that includes well-thought out landscaping can net 105 percent ROI. Consider installing a walkway, adding stone planters or mulching.

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March 27, 2019 | REAL ESTATE GUIDE 9

Spotlight News / The Spot 518

Buying or Selling a Home?

Hire the Leader!

UPSTATE NY’s TOP REALTOR About Anthony...

Anthony Gucciardo Broker owner of Gucciardo real estate group was recently recognized at the 15th annual women’s council of realtor breakfast of champions as the top real estate broker in the capital region; having sold over 250 homes valued at $50 million, $10 million more than his nearest competitor.

This marks the 5th year that Gucciardo has received this award.”

I wasn’t sure I was going to be the top agent in 2018 said Gucciardo, having taken some time off during the winter after a very busy year.

He says that the key to success is allowing your mind to refresh and re-energize the passion that resides within. Even though I was away during the winter, I worked every day by phone keeping all of my clients happy. I expected to finish in the top 5 and never thought that after I took three months off I would still finish in the lead. It’s a true passion I have to help clients and it’s hard to believe that I’ve been a broker for 16 years and have loved every day of it. A lot of brokers and sales professionals have imitated my advertising and slogan List local.

Sell global. I think in a roundabout way competition is good. we’ve all been able to help each other and expand in the right direction.

Gucciardo’s firm closed $90 million in sales in 2018 having closed more than 350 transactions. Gucciardo’s firm has only 8 full-time agents.

We are a boutique type firm and feel that no job is too big or too small.

Gucciardo himself was responsible for $50 million of the firms sales value. It’s the best job I’ve ever had and I don’t think there will ever be a day that I retire.

LATHAM

MLS#201832597

14 Hunters Run Blvd., $385,000

GUILDERLAND

MLS #201914539

LATHAM

MLS#201911601

3 beds, 2 baths, 1,792 sq.ft. ~1/2 acre lot.

Situated on a large corner lot in desirable Hunters Run sits this young 3BR 2 ba barely lived in RANCH home w/ a nice front porch.

Great rm w/ gas fp & HW flrs throughout leads to an E/I kitchen w/ SS appliances, granite counters, breakfast island bar & dining area. Nice master suite w/ double sinks, walk in closet, & shower.

2 car attached side load garage + a full bsmnt that could easily be finished. With new construction pricing peaking well over 400k, this is a great price for a like new ranch in LATHAM.

6039 Johnston Rd., $274,800

7 Old Mohawk Pl., $359,800

3 beds, 3 baths, 2,125 sq.ft. ~1/2 acre lot.

Brick fronted ranch features upgrades galore. Private lot bordering the premier Saddlebrook neighborhood. Newer roof, comfort windows & doors, new front door, new GR door, & upgraded composite deck.

Nice kitchen w/ oak cabinets & newer appliances overlooks living room fire place w/ brand new flooring installed throughout.

Full bath on main floor. Finished basement for a large family room w/ gas FP, or 3rd bedroom with adjacent full bath. Room for 4th BR or home gym. Great back yard and landscaping, 2 car garage.

3 beds, 2 baths, 2,202 sq.ft. ~1/2 acre lot.

Situated on a large corner lot & w/ in walking distance to Blue Creek school & many places of worship sits the 2000+ sq ft updated RANCH in the N. Colonie school district. Lots of exterior lighting & landscaping. Recently added custom 4 season knotty pine rm features soaring ceilings, recessed lighting, lots of windows, + a custom heat/ac unit. E/I kitchen has breakfast area in addition to formal DR. Nice master suite w/ walk in tiled shwr.

1st flr laundry allows for easy one floor living. Circular driveway!

MENANDS

LATHAM

LATHAM

MLS#201910288

FUTURE LISTING

MLS#201911788

10 Sage Estate, $938,500 6 beds, 5.2 baths, 7,072 sq.ft. ~2 acre lot.

Stunningly grand mansion in the exclusive gated Sage Estate. Over 9,000 sq ft of living space with picturesque views and unparalleled elegance and craftsmanship. A jaw-dropping 2 story great room w/ french doors leading out to the terrace. 1st fl master w/ sitting room and wet bar. Bedrooms w/ their own private baths. Lower level rec room or in law suite w/ full bath, gas fireplace, plumbed for a kitchen. Extremely efficient Geothermal HVAC system. This is an absolute MUST SEE!

4 Beacon Dr., $449,800 4 beds, 2.1 baths, 2,304 sq.ft., 8,712 sq.ft. lot.

Fantastic opportunity to own a newer construction home in the highly sought after Lake Ridge community in North Colonie. Low maintenance and high style!

The generous list of upgrades includes high end kitchen appliances including gas range w/ vented hood, granite counter tops, wide plank hardwood flooring, second floor laundry, HUGE master bedroom with his and hers walk-in closets. Brand new paver sidewalks and huge patio with custom lighting and a fire pit.

Coming Soon

In Riviera Estates Latham’s premier neighborhood 5 bedroom, 3.5 bath Colonial with large family room addition.

3 Niblick Pl., $419,800

Ready to list your home with us? Give us a call!

GUCCIARDO REAL ESTATE GROUP LLC

Anthony M. Gucciardo | Broker/Owner 1074 Troy-Schenectady Rd. | Latham Cell

518-331-3785

Fax

518-785-1755

ANTHONYGUCCIARDO.COM

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10 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

The various ways to fund your home project 6 options for funding your next home improvement project

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efore starting a home improvement project, either on one’s own or with the assistance of a professional contractor, homeowners must first consider the costs involved.

According to the home improvement resource HomeAdvisor, more than one-third of homeowners do not understand what hiring a professional will cost, and then cannot successfully budget and secure financing once they have set their sights on a renovation project.

and $6,919, respectively.

collateral. There is a credit limit, and borrowers can Homeowners may find spend up to that limit. The that the more expensive interest rate may or may not renovations require them to be fixed. However, the intersecure some type of financest may be tax-deductible ing. Those who have never if the financing is used to before sought such financing improve, buy or build a may want to consider these home. options.

3. Home equity loan: Individuals also can bor1. Cash-out refinancing: With cash-out refinanc- row against equity in their homes with a fixed interest ing, a person will begin the rate through a home eqmortgage process anew with the intention of paying uity loan. Most lenders will calculate 80 percent of the home value and subtract a homeowner’s mortgage balance to figure out how much can be borrowed, according to the financial advisory site The Simple Dollar. off the current mortgage 4. Personal loan: balance, and then taking out Homeowners can shop additional funds for other around at various financial purposes. Cash-out refinanc- institutions for competitive ing is a way to tap into a personal loans to be used home’s existing equity for for home improvement use on improvements or purposes. Funds may be apother expenses, such as col- proved within one business lege tuition. day, which can be ideal for those who want to begin 2. Home equity line of credit: The financial experts their improvements soon. at Bankrate indicate that a 5. Personal line of HELOC works like a credit credit: A personal line of card, with the house as credit allows borrowers

REALESTATE Homes, Condos & Townhouses

HomeAdvisor says that some of the more popular projects, such as remodeling a kitchen or bathroom or building a deck, can cost, on average, $19,920, $9,274

SELLING SOON? PI

6. Credit cards: In a pinch, credit cards can be used to finance improvements, but they do come with the cost of very high interest rates if the balance is not paid in full by the time the bill comes due. However, for funding smaller projects and maximizing rewards points through home improvement retailers or specific credit card company promotions, credit cards can be a way to earn various perks in addition to the benefit of improving a home.

Homeowners looking to finance their next improvements should speak to a financial advisor and shop around for the best types of funding for them.

Make your DREAM HOME a REALITY!

TA L R E G I O N

CA

For a superior house selling experience, call Mary!

Guide

to borrow only the money needed at the time, and offers a variable interest rate that is generally lower than fixed loan rates. Again, like a credit card, PLOC gives a person a maximum borrowing amount and is ideal for ongoing purchases.

0 LT O R 2

Mortgage • Home Equity Loans • Home Equity Line of Credit

• Certified Home Staging Professional • Gabler Realty 2018 Top Producer • Professional Photography & Marketing • Your Delmar Neighbor!

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“I can sell your house quickly and for top dollar.

Contact me for a FREE Pricing Analysis today!”

MARY CANOVA

Cell/Text: (518) 928-9797 Email: MaryCanova7@Gmail.com | Lic. R.E. Salesperson 321 Delaware Ave, Delmar, NY 12054

Read My 5-Star Zillow Ratings!

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TOP 10%

March 27, 2019 | REAL ESTATE GUIDE 11

Spotlight News / The Spot 518

The home improvement market experienced decade-high KAY RETAIL spending by homeowners in 2018. Here are some helpful facts and figures to know about this popular industry:

NYS ROUTE 85A TOWN OF NEW SCOTLAND HARRIS A. SANDERS, ARCHITECTS, P.C. SEPTEMBER 2017

THE GROVE AT MAPLE POINT

Now Leasing Retail Space at the newest retail development in the Route 85 area – the Grove at Maple Point.

Be among the first to locate your business in this new development located at the intersections of Route 85 and 85A. Drive through at end cap and restaurant with patio seating available.

Looking for unique retail shops. Desired retail tenants include: restaurant, coffee shop with bakery, bank, hair salon, medical, personal care services and other boutique style retail shops. $15 per SF rent plus NNN’s.

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Home nts improveme ce that produ the best urn resale ret ent on investm

$350 billion

1. Garage Door Replacement 2. Manufactured Stone Veneer 3. Steel Entry Door Replacement 4. Wood Deck Addition 5. Kitchen Remodel

FOR SALE 408 Rosa Road, Schenectady, NY

Projected residential improvement and repair spending in the U.S. through the third quarter of 2019

This mixed use commercial building is located near Ellis Hospital. A restaurant is on first floor. Second floor has two income apartments. Asking price of $425,000 includes mixed use commercial building with apartments, restaurant FF&E, income producing billboard, two car garage and parking lots.

Asking Price is $425,000.

539 and 541 Bridge Street, So. Bethlehem, NY

Two buildings for the price of one. Investment Property includes a Commercial Mixed Use Building with a Post Office on 1st floor, apartment on 2nd floor and attached one car garage. Second building is a single family home (2 Bedroom with 1 full bath and 1 half bath) and a parking lot across the street for Post Office Parking.

The Post Office is known as the South Bethlehem Post Office and has a current lease that expires September 30, 2020 with an option for another 5 year period. The apartment and single family home are leased on a month to month basis.

Joint Center for Housing Studies of Harvard

Asking Price is $150,000.

FOR LEASE 55 Mohawk Street, Cohoes, NY

$221,500

Completely renovated Cohoes manufacturing building conveniently located at the entrance of I-787, the building offers over 300 spaces of free parking, private entrance suites and access to public transportation (CDTA). Ideal for any business, it offers 3 separate entrances, sleek and modern office designs with multiple suites and private office space. Rent negotiable plus NNN’s.

Median home value in the U.S.

WANTED NOT FOR PROFIT TENANT. Former school building available for lease. 5 Classrooms, 3 offices, full gymnasium and commercial kitchen. Private parking for 20 cars. Rent is $2,500/month plus utilities and janitorials.

Zillow as of October 2018

Professional Commercial Office Building available for purchase and/or lease. Two suites available on the first floor: 2,431 SF and 1,760 SF Perfect for owner user to fill vacant space and maximize existing tenant income. Handicapped Accessible. Plenty of private parking.

6 months free base rent for qualified tenant 5 year lease. $10/SF rent plus NNN’s.

9 Laura Drive, Cohoes, NY

4 Springhurst Drive, East Greenbush, NY

LAND FOR SALE McGinty Road Bethlehem NY

18 acres for $130,000 – Zoning allows for residential (single and multifamily) and commercial uses.

29 Meader Road Greenwich, NY

Approximately 2.19 acres of commercial vacant land located across from Hannaford Supermarket. Uses allowed by site plan approval are: Auto or boat sales/repair, bank, bar/tavern, fast food restaurant, funeral home, medical/office/retail building, personal service establishment, religious use, restaurant, veterinary establishment, warehouse. Asking price $274,999.

0 Route 9, Clifton Park, NY

Approximately 1.08+-/acre of industrial zoned land (LI-2). Permitted uses in the LI-2 area include: assembling/fabrication, processing or light manufacturing of products, storage, warehousing or distribution of manufactured products, transportation services, auto/truck rental and public garages, auto repair/body shop, warehousing public and private, public utility uses, animal-care facilities and emergency ambulance. facilities. Asking Price $199,999.

The most popular home remodeling job

National Association of Home Builders

$9,275

Average cost of a bathroom remodel HomeAdvisor True Cost Report

“Call us today for RESULTS on your property transaction” Ravi S. Modasra

Licensed Associate R.E. Broker (C) 518-312-0447

RaviModasra@gmail.com

Jessica L. Richer

Licensed Associate R.E. Broker (C) 518-364-7406 Jessica.Richer@gmail.com

Brian Sipperly

Licensed Real Estate Salesperson (C) 518-545-8737

bsipperly@gmail.com

Albany Office: 20 Aviation Rd., Albany 518-458-7000 Delmar Office: 231 Delaware Ave., Delmar 518-439-2888

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Kitchen Remodeling

THE RICHER TEAM at Hanna Commercial Real Estate

12 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

Embrace the powerful color of purple for your home

P

Add this color around the house

antone named “Ultra Violet” its color of the year in 2018, helping to create a resurgence in popularity of all things purple. As a result, homeowners who pride themselves on staying on top of the latest trends have increasingly turned to purple when designing their home interiors.

Purple influences can range from the dramatic to the subtle. Here are some ways to embrace purple in your home.

Transition bedroom color Purple has long been a favorite shade for adolescents who are growing up and moving away from pinks and peaches into more mature room colors. Purple looks well when accented by white, magenta and yellow.

Even though it is embraced by young girls, purple also can be used by adults who want to create soothing retreats in their bedrooms.

Create an accent wall A purple room may intimidate people who prefer mild, more neutral design schemes. But a purple accent wall can add a pop of color, suggest the home experts at Realtor.com. When it comes time to list a

home, it’s easier for the next homeowner to embrace a purple accent wall than an entire room decorated in this jeweled tone.

Use accent items It’s easy to add a splash of plum or other variations of purple without making a permanent commitment. Dress up neutral decor with throw pillows, rugs, table linens, or draperies in all shades of purple. As trends change, it’s easy to exchange accent items.

Modern kitchen Homeowners can offset efficient, modern design in kitchens characterized by white cabinetry and stainless appliances with some well-placed grape focal points.

A purple backsplash, purple-clad island or lavender bar stools can lend vibrancy to a space.

Purple powder room A purple guest bathroom is the ideal place to help overnight guests feel regal.

Violet and deeper shades of purple can feel warm and luxurious. Beige or cream bathrooms can be enhanced with a deep purple bath mat, shower curtain and hand towels.

Purple is hot right now and turning up in unexpected places in many homes.

The HOME Inspector LLC The HOME LLC Let Jason be part ofInspector your transaction team!

The HOME Inspector LLC Let Jason be part of your transaction team!

Let Jason be part of your transaction team!

Jason Micare Jason Micare Jason Micare Performed over 13,000 inspections in the past 20 years

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Performed overof13,000 inspections in the 20Inspectors years Past President The American Society ofpast Home (ASHI) Performed over 13,000 inspections in the past 20 years Past PresidentMold of The American Society of Home Inspectors (ASHI) NYS licensed Assessor Past President of The American SocietyinoftheHome Inspectors NYS Mold serving Assessorinspectors One licensed of the longest Capital Region (ASHI) NYS Mold serving Assessorinspectors in the Capital Region One licensed of the longest One of the longest serving inspectors in the Capital Region

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March 27, 2019 | REAL ESTATE GUIDE 13

Spotlight News / The Spot 518

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14 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

Organize Senior Moves “Makes Moving Easier” www.OrganizeSeniorMoves.com

Helping seniors make their moves Organize Senior Moves guides people through the difficult task of downsizing

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• Experienced: 500+ moves • Set up new home • Estate Sales • Stage old home sale • Oversee whole move

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March 27, 2019 | REAL ESTATE GUIDE 15

Spotlight News / The Spot 518

Jazzing up the home with some hip trends

H

ome design and real estate trends come and go, but once in awhile certain concepts exhibit considerable staying power. Staying abreast of what’s hot and what’s not can be a bit overwhelming.

This list breaks down some of the trends that have made a splash and figure to be around for some time.

1. Open concept spaces: Watch the DIY Network or HGTV and you’ll quickly understand that open floor plans remain highly coveted. Many modern, newly built homes have a large multi-purpose area that blurs the borders of the kitchen, dining area and family room. These homes make it easy to entertain and keep an eye on youngsters.

2. Patterned fabrics and upholstery: Solids will always have their place in home decor, but patterned furnishings are making a

RE D

name for themselves as well. Today’s homeowners are not afraid to experiment with geometric and floral patterns alongside neutral colors to showcase their personalities, advises the real estate industry resource The Lighter Side of Real Estate.

3. Farmhouse chic: Many people want the ambiance of a rustic, antique farmhouse even if they live miles away from the country. Reclaimed wood on the walls, exposed beams, eclectic accessories, and a big wood table in the dining room are hallmarks of farmhouse style. This is a fun design trend that can be personalized for cozy appeal.

4. Hidden appliances: Making appliances disappear into the background is a growing trend. This is achieved with products that blend in with or are hidden behind cabinetry.

5. Row homes: Popularized in the 19th century and then again in the 1960s and 1980s, townhouses are

making another comeback.

Townhomes made up about 12.4 percent of all new construction in the singlefamily home market last year, according to data from the U.S. Census Bureau.

According to a Realtor. com survey released in October 2017, townhouses were the most popular form of housing after singlefamily homes. They were especially popular among millennial buyers, about one-third of whom planned to purchase a townhouse in 2017.

6. Multigenerational homes: Buyers between the ages of 53 and 62 are increasingly looking at homes that can accommodate children older than 18, with a room or apartment available to care for an aging parent, states the National Association of REALTORS. Home trends continue to evolve, and some trends have exhibited more staying power than others.

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16 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

They matter to us.

They matter They matter We get it. Your home and car are more than just things. They’re where you make your memories and they deserve the right protection. It’s why we’re here.

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to us. to us.

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WeYour get it.home Your home morethan than just They’re wherewhere you make We get it. andand carcar arearemore justthings. things.

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We get it. Your home and car are more than just things. They’re where you make your memories and they deserve the right protection. It’s whyCapobianco, we’re here. Agent Maryann Fazzone, Agent John 619 New Loudon Rd. RT 9 1745 Central Avenue LET’S TALK TODAY. Latham, NY 12110 Albany, NY 12205 Bus: 518-783-7897 Bus: 518-869-6888 maryann.fazzone.buj0@statefarm.com john.capobianco.buof@statefarm.com Maryann Fazzone, Agent John Capobianco, Agent

atter

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State Farm Mutual Automobile Insurance Company State Farm Fire andMutual Casualty Company State Farm Automobile Insurance Company State Farm Fire Casualty Company Bloomington, IL andJohn Maryann Fazzone, Agent Capobianco, Agent

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John Capobianco, Agent 1745 Central Avenue Albany, NY 12205 Bus: 518-869-6888 john.capobianco.buof@statefarm.com

Maryann Fazzone, Agent 619 New Loudon Rd. RT 9 Latham, NY 12110 Bus: 518-783-7897 maryann.fazzone.buj0@statefarm.com

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YOUR GUIDE TO THE CAPITAL REGION'S REAL Jane A Bonavita ESTATE MARKET.

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John Capobianco, Agent 1745 Central Avenue Albany, NY 12205 Bus: 518-869-6888 john.capobianco.buof@statefarm.com

LEARN YOUR HOME'S VALUE BY CONTACTING US: CALL: (518) 459-4564 EMAIL: INFO@ALBANYREALTYGROUP.COM Jane Bonavita, Agent WWW.ALBANYREALTYGROUP.COM

210 Delaware Avenue Delmar, NY 12054 Bus: 518-439-6222 jane.bonavita.btyd@statefarm.com

An agent with State Farm since 1982. My office has been located on Delaware Ave since 1999. My mission is to help people manage the risks of everyday life, recover from the unexpected and to realize their dreams.

My team specializes in auto, fire, life, health, commerElaine VanDeCarr, Agent cial insurance banking.

848and Kenwood Avenue Slingerlands, NY 12159 Bus: 518-439-1292 elaine.vandecarr.cklr@statefarm.com

Contact: 210 Delaware Ave, Delmar NY (518) 439-6222 • www.jbonavita.com

John Capobianco

Mary Canova

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W. David Bernacki, Owner

State Farm Insurance

ALBANY REALTY GROUP'S AGENTS BRING DECADES OF EXPERIENCE TO THE CAPITAL REGION REAL ESTATE MARKET, INTEGRITY, AND A RESULTS DRIVEN APPROACH.

Contact: (518) 371-9950 • www.capitaldistrictcontractors.com

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Mutual Automobile Insurance Company arm Fire and Casualty Company Bloomington, IL

Serving the Capital District for over 25 years • Sunrooms • Screenrooms •1st & 2nd Story Additions • In-Law Apartments • Finished Basements Contact us for all your home improvement needs.

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Contact: 197 Delaware Avenue, Delmar NY (518) 472-0340 • www.kinderhookbank.com

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March 27, 2019 | REAL ESTATE GUIDE 17

Spotlight News / The Spot 518

Gabler Realty

They matter to us.

1708137

My vision is to be an honest and ethical insurance professional, putting the interests of my policyholders above all else. My staff will provide caring, friendly and efficient service to our customers at all times.We will constantly strive to be the first and best choice for our customers’ insurance and financial services needs.”

Contact: 1745 Central Avenue Albany NY (518) 869-6888 • www.jcapobianco.com

State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL State Farm Florida Insurance Company, Winter Haven, FL State Farm Lloyds, Richardson, TX

Making a move? Call Mary! Mary is a results-oriented professional, ranked in the top 10% of Capital Region Realtors, and Gabler Realty’s Top Producer! She forges strong client relationships and is dedicated to helping them achieve real estate goals that better their lives.

Mary’s marketing strategies and Professional Home Stager experience offer a competitive edge for all of her listings.

We get it. Your home and car are more than just things. They’re where you make your memories and they deserve the right protection. whyDelaware we’re here.Avenue, Delmar NY Contact:It’s 321 LET’S TALK TODAY. (518)-928-9797• www.GablerRealtyNY.com/Mary

Debut Property Staging

Maryann Fazzone

Professional Home Staging works!

Contact us today for your property consultation.

Info@Debutpropertystaging.com 518-313-0975

Office Hours Monday-Friday 9:00-5:00 Our mission is to provide superior service to our customers and take care of all of their insurance needs.We will keep them aware of changes in insurance coverage and provide a professional atmosphere. Our goal is to John Capobianco, Agent develop long term relationships.

1745 Central Avenue

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Maryann Fazzone, Agent 619 New Loudon Rd. RT 9 Latham, NY 12110 Bus: 518-783-7897 maryann.fazzone.buj0@statefarm.com

Albany, NY 12205 Bus: 518-869-6888 john.capobianco.buof@statefarm.com

Contact: 619 New Loudon Rd. RT 9 Latham NY (518) 783-7897 • www.mfazzone.com

18 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

REAL ESTATE GUIDE | Resource Directory Judith (Judi) Gabler

Genevieve “Genn” Howley

After years in the real estate field, Judi opened Gabler Realty in 2017. Her creativity and fresh marketing strategies have produced remarkable results in a challenging market. Gabler Realty’s commitment to trust, transparency, and service has ranked them in the Top 20 Capital Region Real Estate firms and earned them dozens of 5-star reviews! Call today to see the difference!

Albany’s home makeover headquarters.

Dreaming of a kitchen sanctuary or bathroom oasis?

Let’s make your vision a reality! An updated kitchen or bathroom adds resale value and functionality to your home. Our professional design team will answer your questions about style, materials and budget, and help you construct a home makeover plan.

Contact: 321 Delaware Ave, Delmar NY (518) 935-4800 • www.GablerRealtyNY.com/Judi

Contact: 898 New Loudon Road, Latham NY (518) 313-1229 •www.GNHshowroom.com

Anthony Gucciardo

Michelle Kavanaugh

GNH Design Showroom

Gabler Realty

Gucciardo Real Estate Group

Organize Senior Moves, LLC

Attorneys

Anthony M. Gucciardo has garnered an excellent reputation and counts some of the Capital Region’s most influential people as clients. Anthony is recognized as the Top Albany Realtor serving the Capital Region.

Anthony sets his expectations high. His friendly demeanor and unwavering dedication to clients is one of the keys to his success.

Michelle Kavanaugh specializes as a Senior Moving Manager. Experienced 500+ moves, helping seniors relocate to private residence, assisted living facility, or senior housing complexes. Dedicated to being the premier full service provider in the organization of moving seniors. Specialize in layouts, downsizing, packing and unpacking, clean outs. “Making moving easier.”

Contact: 1074 Troy-Schenectady Road, Latham NY (518) 331-3785 • anthonygucciardo.com

Contact: PO BOX 673, Glenmont NY (518)-528-2622 • www.OrganizeSeniorMoves.com

REAL ESTATE John F. Maxwell

Jason Micare

2 Normanskill Blvd., Delmar, New York

John F. Maxwell Maxwell AND & VanBUSINESS Ryn, LLP LAW

• Residential Real Estate Closings • Commercial Real Estate Closings • Last Will & Testaments Our firm has represented buyers, sellers and lenders in • Trusts and Estate Administration residential and commercial closings for over 29 years.

• Business Formation of Limited Liability Companies, Sub-chapter S Corporations, etc.

Attorneys REAL ESTATE AND BUSINESS LAW • Residential Real Estate Closings • Commercial Real Estate Closings • Last Will & Testaments • Trusts and Estate Administration • Business Formation of Limited Liability Companies, Sub-chapter S Corporations, etc.

Almost The HOME Inspector LLC • Divorce, Custody, Ch and Family Law 80 years • Uncontested Divorce Jason has performed over 13,000 home inspections in costs (based on prev combined the past 20 years, is a NYS licensed Separation Agreemen Assessor and one of the longest serving inspectors • Pre-Nuptial Agreemen legal Mold in the Capital Region.

• Simple Separation Ag Friendly and Professional with 20 years experience, Text and no experienceor Call Jason today!” (no property

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Contact: 2 Normanskill Blvd., Delmar NY (518) 475-0016• www.maxwellvanryn.com

Paul W. Van Ryn Almost 80 years combined legal experience

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Let Jason be part of your transaction team!

2 Normanskill Blvd., Delmar, New York

John F. Maxwell

Paul W. Van R

• Divorce, Custody, Child Support and Family Law • Uncontested Divorce $900.00+ court costs (based on previously executed Separation Agreement) • Pre-Nuptial Agreements • Simple Separation Agreements (no property and no children) $1,200.00 • Free Initial Consultation (one hour)

www.maxwellvanryn.co Paula Rice

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Samantha Raynor The Spinney Group

Jason Micare

Performed over 13,000 inspections in the past 20 years Past President of The American Society of Home Inspectors (ASHI) NYS licensed Mold Assessor One of the longest serving inspectors in the Capital Region

Gabler Realty

www.InspectorJason.com

A proudly run family business for over 30 years, The Spinney Group sets out to provide full-service apartment communities that allow residents to live stressfree. We own and manage over 700+ units across several different communities ‚ each with its own unique style and benefits, all guided by our value-driven approach.

Contact: 1 Juniper Drive, Delmar NY (5180 475-9088 •www.thespinneygroup.com

wespeakhouse@gmail.com | 518-857-5555 ASHI certified | NYS Licensed Home Inspector

NYS License # 16000005911

Paula Rice offers 25 years of proven real estate experience. Ranked in the Top 10% of Capital Region realtors and a Gabler Realty Top Producer, Paula’s results-driven attitude and 5-star customer service bring success for both her buyer and seller clients. With marketing savvy, countless network connections, and skilled guidance, Paula will sell your house quickly and for top dollar!

Contact: 321 Delaware Avenue, Delmar NY (518) 522-2825 • www.GablerRealtyNY.com/Paula

March 27, 2019 | REAL ESTATE GUIDE 19

Spotlight News / The Spot 518

REAL ESTATE GUIDE | Resource Directory Jessica L. Richer

Jody Shaw

Jessica Richer is a Commercial Realtor with over 18 years of experience. She represents landlords and tenants for leasing of retail, office and warehouse space and sells real estate property such as mixed-use buildings, multifamily apartment buildings, senior housing communities and all types of commercial real estate.

National Bank of Coxsackie is pleased to announce that you can apply for your Mortgage, or Home Equity loans directly through our website in 20 minutes! Whether it’s a pre-approval, refinance, or purchase, NBC is here with the branch locations and technology in place to take care of your needs!

Contact: 20 Aviation Road, Albany NY (518) 364-7406 • www.HannaCRE.com

Contact: 331 Route 9W, Glenmont NY (518) 462-0151• www.nbcoxsackie.com

Jim Smith 30 Years of Design,

Cory Tyksinski

Hanna Commercial Real Estate

National Bank of Coxsackie

ur home tection rves.

RE D

M A

EL PL

Red Maple Land &Services Installation Maintenance

NAI Platform

AN D

Red Maple designs and installs complete landscapes, as well •as,Complete patios, sidewalksLandscaping and retaining walls. Red Maple offers a phased in approach, which appeals to many • Sidewalks • Patios clients in today’s economic climate. Flexibility and commitment are the two qualities that enable Red Maple to continue growing a strong client base.

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Star Roofing & Restoration

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Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. Whether home, auto or life, call our office today for personalized, professional service and a great rate!

ate Farm General Insurance Company, Bloomington, IL urance Company, Winter Haven, FL Lloyds, Richardson, TX

Contact: 14 Corporate Woods Blvd, Ste 100, Albany NY

Peter Wall

Elaine VanDeCarr

Elaine VanDeCarr, Agent 848 Kenwood Avenue Slingerlands, NY 12159 Bus: 518-439-1292 elaine.vandecarr.cklr@statefarm.com

NAI Platform delivers superior results for our clients.

We meet and exceed their commercial real estate needs through a team of specialized experts.

Our professionals possess extensive knowledge and experience of the industry’s intricate nuances, helping our clients surpass their goals. We deliver a range of diversified services at an unparalleled value.

Contact: 848 Kenwood Ave., Slingerlands NY (518) 439-1292 • www.elainevandecarrinsurance.com

Star Roofing is a full service Residential and Commercial RoofingCompany serving the entire Capital District. We are celebrating our 22st year in business and are centrally located at 20 Colvin Ave in Albany. Fully insured, factory trained and locally owned, Star has a solution for you.

Contact: 20 Colvin Ave. NY (518) 449-3422 • starroofing.net

The Spotlight News Community Media Group, LLC The Spotlight and The Spot 518 is your local resource since 1955. We are your community newspaper and the best source for local music, arts, entertainment and culture in the Capital Region. Pick up a copy today or contact us for a mail subscription.

Contact: 341 Delaware Ave, Delmar NY (518) 364-7406 • www.spotlightnews.com

20 REAL ESTATE GUIDE | March 27, 2019

Spotlight News / The Spot 518

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Shingle Roofs Architectural Shingle Roofs Custom Copper Work Standing Seam Metal Roofs Slate Look-A-LIke Roof Inspections

• Skylights • Architectural Sheet Metal • Gutter Systems • Flat Roofs • Roof Coatings

STAR ROOFING SPRING INCENTIVE

ROOFING SPECIAL

FREE UPGRADE

100% financing available

Receive A Free Upgrade To A Lifetime” Shingle Roofing System With A Non-Prorated 50-year Full System Extended Warranty With The Mention Of This Ad. Offer expires 5/30/19.

“Same As Cash”and fixed rate options available.

99/mo

$

20 Colvin Ave. | Albany 518-449-3422 www.starroofing.net

Get

INSTANT CREDIT

and get your roof done now!

Offer expires 5/30/19.

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