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Real Estate Guide February 2, 2013
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www.glovecityrealty.com
28 So. Main Street, Gloversville(518) 725-3405
Amy Goebel,Licensed Real Estate
Associate Broker
Amy and her husbandChuck Goebel along with
three young childrenEmma, Derek, and
Jordan have lived in theBroadalbin area for the past 8 years. Amy is from
New Hampshire and has her Masters Degree inTeaching Physical Education from UNH.
Amy provides her clients with lots of knowledgeand experience.
AnthonyChristiano,
Licensed Real EstateSalesperson
Tony is a native ofGloversville and
along with his wife,Denise enjoy their family,
children and grandchildren.Tony is FULL TIME and gives 100%.
Make him your agent.
DominicaGasbarra,
Licensed RealEstate Salesperson
Donna has been alicensed real estate person
with Glove City Realtyfor 8 years. I was born
and raised in Peekskill, NY and lived in the town ofNorth Salem for 25 years with my husband Bill andtwo children, Staci and Billy. We have owned our
home in Bleecker for 16 years and recently decidedto move to the Town of Oppenheim.
Janet Hoose,Licensed Real Estate
Salesperson
I graduated from MayfieldCentral High School. I've
lived in the city ofGloversville for 38 yearswith my husband, John. Iworked at the local phone
company as a telephone operator for fourteen years.Then I was a waitress for eleven years. One of mydream occupations was to become a Real Estateagent, and have been working full time for eight
years, and enjoying it. It's a challenge at times, but Ilove helping people find the right home.
Tara Keane,Licensed Real Estate
Salesperson
I currently reside inBleecker. After
graduating from Mayfieldhigh school. I earned BS
at Alfred State andSUNY Fredonia. I am currently serving ourcommunity at Nathan Littauer Hospital as a
Medical Technologist. I am now looking forwardto helping people find their DREAM HOME.
John Lambo,Licensed Real Estate
Salesperson
John along with his wifeNadine and daughters
Molly and Maggie havelived in the area for 17
years. John works for Stewart's and currently livesin the Town of Mayfield and is developing asecond career in Real Estate specializing in
Residential Real Estate.
MarianneEdwards,
Licensed Real EstateSalesperson
Marianne, along with hersons Jake and Lucas, livesin the Town of Mayfield.Marianne is an entrepre-
neur. The owner of the very successful School HouseTreasures and also is an established Real Estate
Investor and knowledgeable of The Great SacandagaLake as the owner of Lakefront Properties.
She is a graduate of Northeastern University with aDegree in Marketing.GIGI - COMPANY MASCOT Judi Zimmerman
RRREE AA LL EESS TTAATT EE GGUU II DD EESupplement to the Original Valley Pennysaver, the Family Pennysaver and the DollarSaver
Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com
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CELL: 518-424-5621
Judith A. PhetteplaceLicensed Real Estate Broker
316 MOHAWK DR.TRIBES HILL, NY 12177
HOME: (518) 829-7813OFFICE: (518) 829-7250
FAX: (518) 829-5119
Office: 518-212-5680 ext. 111Fax: 518-212-5683Cell: 518-321-4374
Polly SlezakLicensed Loan Originator
E-Mail: [email protected]/pslezak
4812 State Highway 30 • Amsterdam, NY 12010
TIM ADAMSLicensed Inspector#16000045787
MOHAWK VALLEY INSPECTIONSYour Full Service Home Inspection Headquarters
Web Site: www.mvhomeinspections.com
Contact InformationOffice: (518) 762-5706
First time home buyers easily can be overwhelmedby the process of buying a home. In addition to thelegal hurdles associated with purchasing a home, thestress of committing such a substantial amount ofmoney can lead to some sleepless nights.
But first time home buyers in the market for a home can preparethemselves for the process ahead of time. Though the following tipsmight not guarantee a smooth and stress-free home buyingexperience, they can answer a few questions and facilitate theprocess.
• Establish your price range.As the housing crisis of the last several years indicated, manyhomeowners got in well over their heads. Some lost their homes toforeclosure, while others found it extremely difficult to pay theirmortgage each month. First time buyers can avoid such scenariosby honestly assessing what they can afford and searching forhomes within their price range. A host of Web sites, including somelender sites, provide free mortgage calculators so buyers can seejust what they can afford. Lenders often recommend spending lessthan 30 percent of income on housing costs.
• Research rates and taxes.Certain external factors beyond the price of the home will factorinto a homeowner’s monthly financial commitment. Taxes andhomeowner’s insurance can vary greatly depending on a home’slocation. Research property taxes in different communities, andshow around for homeowner’s insurance when looking for a home.
• Expect to pay costs.Closing costs are often a big shock to first time home buyers.Closing costs include lender fees, title and settlement fees, taxes,and homeowners insurance or homeowners association fees.Bankrate.com provides an annual closing cost survey for buyers toget a better feel of just what they will be spending when the timecomes to sign on the dotted line. A lender can also give anestimate of what fees may total.
• Consult some professionals.Real estate professionals in the area might be able to paint apicture of what the real estate market is like at the moment.Prices might be on the rise, on the decline or remaining steady. Iflooking in a specific area, consult with a real estate agent aboutthe area and what to expect.
When shopping for a home for the first time, buyers should expectthe unexpected. However, the surprise element can be reduced ifbuyers do their homework before starting the process.
MORTGAGE &HOME BUYING UPDATE
How to SurviveBuying YourFirst Home
The lowest home prices in years and tax
incentives are driving many people to purchase
their first home. Few things are simultaneously as
exciting and nerve wracking as becoming a
homeowner. Preparation can make sure
individuals are covering all of the bases.
VMMVirginia M. Mackey, LLC
Real Estate226 E. Fulton St., Gloversville, NY 12078
Beth WanmerLicensed Real Estate Salesperson
(518) 773-3298 • FAX (518) 725-8615 • Cell (518) 420-5953www.vmackey.ihouse2000.comemail: [email protected]
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Magnificent Europeanstyle contemporaryboasting 5 bedrooms,7 baths, 2 livingrooms, formal diningroom, sunroom,office space, lowerlevel studio/bar,kosher kitchen andso much more!
“...for the personal attention you deserve!”LANA RUGGIERO, GRI, ASP
11 Forest St., Gloversville (518) 470-4738www.ruggierorealtyllc.com • [email protected]
144 Prospect Ave., Gloversville Enticing year roundranch with beautiful30 ft. permit on the Great SacandagaLake. Pristine condi-tion inside and out.Views from the deck,lots of storage, wellmanicured, spaciousyard.
119 Bertrand Rd., Mayfield
Lovely home, lovelyyard, lovely location.5 beds, 3.5 baths, in-ground pool, hot tub, wet bar,large attached garageplus huge RV garage.City amenities, easy access to NYSThruway.
200 W. Fifth Ave., Johnstown Phenomenal 3 levelranch on just about1/2 acre, with beautiful in-groundpool, gazebo,screened in summerroom. Plenty of livingspace and storagewith 3 beds, 2 bathsand 2 car garage.
6 Brant Rd., Johnstown
United Country HBE Group, Inc.Specializing in Country Homes, Land and Recreational Property
www.unitedcountry.com6 Slawson St., Dolgeville, NY 13329
Ph: 315-429-9754 • Fax: [email protected] • www.dolgeville-ny-real-estate.com
#3137 - Dolgeville - 2 family villagehome on large lot with plenty of parking.All separate utilities, natural gas heat,nice large rooms, 5 bedrooms total,great for owner occupant, first timebuyer. . . . . . . . . . . . . . . .Only $45,000
#3069 - Salisbury - 6.6 Acres with nicehorn barn and small cottage, alsoworkshop w/heat. Nice new homesite,open with some woods, great for hobbyfarm. . . . . . . . . . . . . . . . . . . . . $55,000
#3093 - Dolgeville - 33 Ransom St. -Well maintained 4 bedroom home withnew family room addition. 100x150’ lotwith 2 car garage, beautiful level landand located on dead end street. Lotsof living space and energy savingimprovements. . . . . . . . . . . .$119,900
#3064 - Salisbury - Rte. 29A - 3 Acreswith 3-4 bedroom farmhouse and largepond. Open & wooded land, nice set-ting, many updates, but needs morecosmetic work. . . . . .Asking $54,900
Visit Us: www.mohawk-realty.com
MOHAWK Towne & Country RealtySue Leavitt, Licensed Real Estate Broker
Corner Rte. 5 & McKinley Rd., Palatine Bridge, New York518-673-5482
Amanda Haig, Sales Assoc. 518-673-3235Pete Manikas, Sales Assoc. 518-673-5482
Joann Christman, Assoc. Broker 518-256-4911Connie Dingman, Sales Assoc. 518-673-2026
Nancy Dornburgh, Assoc. Broker 518-993-2335
BBaatttteerriieess NNoott IInncclluuddeedd .. .. .. $$9944,,5500001960 All Electric Fort Plain Ranch on an oversized lot at
the end of the hill w/country views; 3 bedrooms, living roomwith fireplace, dining, kitchen, laundry, full bath, basement
office, radiant heat throughout. Att. garage.
VViillllaaggee CCoolloonniiaall $$112299,,990000Very nice 3-4 bedroom spacious
Nelliston brick, sunporch, pocketdoors, wide-board floors, originalstaircase, landscaped LARGE yard
overlooks the Mohawk.
PPaallaattiinnee BBrriiddggee .. .. .. $$114433,,550000Victorian 2-3 bedroom home w/apart. Foyerhas open staircase & fireplace. Living room
w/fireplace, 1 3/4 baths, kitchen has breakfastnook, small den or office. Beautiful hardwood
floors, french doors, deep lot w/garage,Mohawk River view & area for wildlife refuge.
CCaannaajjoohhaarriiee .. .. .. $$8866,,550000A brick fireplace in living room, Canajoharie 3
bedroom Cape with hardwood floors, white pinekitchen, full bath, large attic & basement, garage
and big fenced yard. Affordable taxes.
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There are so many questions that surround sellingyour home: Which realtor should you choose?How do I lure potential buyers?Don’t put your home on the market blindly.Following are a few tips to help get you started:
CHOOSING A BROKER
Speak with two or three brokers from different agencies. Ask themthe same questions to compare what they would do to sell yourhome. Some questions to ask include:
• How many years have you been in business?
• How long have you sold houses in this area?
• How many houses did you sell in the past year?
• What is your commission?
• If I were to work with you, how would you best market my house?
• Will you organize meetings with potential buyers and will youcoordinate them personally?
• Can you give me names and telephone numbers of othersfamilies that have that have used your services?
PREPARING YOUR HOME
So you’ve chosen a broker but now you have to get your home ingear. No matter how much or little it costs, its important to do some“spring cleaning” to your home before you put it on the market.Paying even a little attention to the details can make a hugedifference in the appearance of your home and attract moreinterest from prospective buyers. Some ideas include:
• Clean the exterior.Keep the grass cut and the outdoor area tidy. Paint or wash theexterior of the home including windows, shutters, siding and doors.Examine the gutters, chimney and driveway; get them into goodcondition. Seal any cracks in foundation or walkways.
• Touch up the interior.Clean and brighten rooms that have heavy traffic with a fresh coatof paint. Wash wallpaper, tiles, paneling, floors, carpets, tubs andshowers. Clean heat and air-conditioning air filters.
• Get rid of odors.Place potpourri around the house, especially if you have pets or asmoker in the family.
• Repair leaking or worn faucets and
oil squeaky doors.Also, clean underneath sinks, fixing any leaks and painting anyareas with visible damage.
• Eliminate clutter.Remove any unnecessary garbage from your closets, garage, atticand basement. Store garbage, debris, lawn mowers and hoses outof sight.
• Prepare it for the arrival of guests.Put your best face forward. Store any items you don’t want visitorsto see or have access to, like jewelry or other valuables. Get rid ofexcess furniture. Flowers and new guest towels also make a subtleyet important difference. Good luck!
Res: 518-829-5163Cell: 518-424-9752
www.judithannrealty.comE-mail: [email protected]
Joelle L. Phetteplace-BluvasAssociate Broker
316 MOHAWK DR.TRIBES HILL, NY 12177
OFFICE: (518) 829-7250FAX: (518) 829-5119
Office: 518-212-5680Fax: 518-212-5683Cell: 518-321-4374
Paul HansBranch Manager/Licensed Loan Originator
E-Mail: [email protected]/phans
4812 State Highway 30 • Amsterdam, NY 12010
VMMVirginia M. Mackey, LLC
Real Estate226 E. Fulton St., Gloversville, NY 12078Marguerite King
“Markie”Licensed Real Estate Salesperson
(518) 773-3298 • FAX (518) 725-8615 • Cell (518) 774-2717www.vmackey.ihouse2000.com
email: [email protected]@yahoo.com
Savvy Tips toHelp Sell Your Home
It’s IMPORTANT to get your home into
top notch condition for prospective buyers.
EEdd Pierpont
Gott UU Covered
GotUCoveredHomeInspections.com
•• HOMEE INSPECTIONSS •
NY Lic. #16000022349NACHI #05122792
104 Reed StreetCanajoharie, NY 13317
(518) 332-6294Fax (518) 673-3667
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Kinship Properties Inc.
Debbie Sicilia - Salesperson518-495-5770
Bob Snell - Salesperson518-321-9897
Sam Licari -Broker518-568-2776
Heidi Mouyos - Salesperson315-717-7269
VISIT OUR WEBSITE AT www.kinshipproperties.com
Dolgeville Branch10 E. State St., Dolgeville NY 13329 • (315) 429-9750
St. Johnsville Branch54 East Main Street, St. Johnsville NY 13452 • (518) 568-2776
2 Locations To Serve You
John Case - Salesperson518-281-8008
GLOVERSVILLEWalnut Street
Priced to Sell At$109,500
Newly renovated,Owner willing to put downflooring of buyers choice!Everything is brand new
from top to bottom! Off street parking. Single
family home or starter home!
Call Debbie 518-495-5770 or Jim Van Duesen 518-332-6769
EPHRATAHCty. Rte. 119
Outstanding Chalet three storyhome. 125 acres with 2 garages.
Double fieldstone fireplace,security system / total privacy.
Good hunting.Call Debbie
at 518-495-5770
PALATINE BRIDGE127 Failing Hill Rd.
$279,0004 Family exceptional property,
4 living units, perfectlymaintained. Present operating
income very good. Ownerfinancing available for qualified
buyer. Only 5 minutes fromCanajoharie exit of the thruway.Call John Case 518-281-8008
SALISBURY2114
State Rt. 29$445,000
The Country Store& Apartment.
This gas station, convenience store, gift shop, ice cream parlor, restaurant and bar is a well-established neighborhood store with an active walk-in business, as well as a steady clientele.Only provider in area with non-ethanol gas and total fuel sales that vary from 16,000-20,000gallons per month. Newly built successful restaurant and bar. Property has a beautiful 2 bed-
room apartment for the prospective buyer to live on premises or have as an additional income.Great opportunity for a turn key investment. Price includes real estate and all fixtures.
SELLER FINANCING TO QUALIFIED BUYER. Call Heidi Mouyos 315-717-7269
GLOVERSVILLE482 West Fulton St. Ext.
$159,000Well-kept split-level home. Has
apartment upstairs for additionalincome if desired. Could be opened upfor more bedroom space. 12x12 shed,with above-ground pool, great tree fort
playground, and lots of room withfenced-in backyard. Good quiet
neighborhood, but yet minutes fromcity for stores, doctors and in small
Hamlet of Meco.
FORT PLAIN68 Hancock St
$120,000An excellent investment property!This property is currently leased
to an Auto Parts Dealer and areligious organization, with a posi-tive cash flow. Excellent location,plenty of vehicle traffic, plenty of
parking and good tenants.
Call Bob Snell for yourappointment @ 518-321-9897
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RREE AA LL EESS TTAATT EE GGUU II DD EE
SERVING HOMES IN THE FOLLOWING COUNTIES:� Albany � Fulton � Herkimer
� Montgomery � Oneida � Otsego� Saratoga � Schenectady � Schoharie
For More Information Call John Snyder 518-673-0129
The Original Family
Reach Over 110,200 Homes Distributed In:
February 23, 2013 IssueDeadline Friday, February 15, 2013
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