Nestled in the heart of Upstate New York, the Capital Region offers a perfect blend of vibrant city life, historic charm, and scenic beauty. From the lively streets of Albany and Troy to the picturesque landscapes of Saratoga and the Adirondacks, this area has something for everyone. Whether you’re drawn to top-rated schools, thriving local businesses, or endless outdoor adventures, the Capital Region is a place to call home. Let us help you find the perfect neighborhood to fit your lifestyle. Explore Capital Region Homes For Sale.
Buy Your Dream Home!
Looking to Buy a Home
Whether you’re a first-time buyer or a seasoned investor, finding the perfect home starts here. We know the neighborhoods, the market trends, and how to get you the best deal.
Common Buyer Questions
Answers to the Most Common Questions Buyers Have When Purchasing a Home
What’s the first step in buying a home ?
First and foremost, the buyer should reach out to a lender in the area to obtain a pre-qualification letter. This allows us to work within specific ranges in regards to purchase price and taxes. Reach out to me directly for lender recommendations.
How much do I need for a down payment?
It varies by loan type. Conventional loans often require 5–20%, but some programs (like FHA or VA) allow as little as 0–3.5% down.
What are closing costs, and how much should I budget for them?
Closing costs typically include attorney fees, title insurance, property taxes, and other charges. In Upstate NY, they generally range from 3% to 5% of the home’s purchase price. Your lender or real estate agent can provide a detailed estimate.
Are there special programs for first-time homebuyers in New York State?
Yes, programs like the SONYMA (State of New York Mortgage Agency) offer assistance to first-time homebuyers, including low-interest loans, down payment assistance, and tax credits.
What happens after my offer is accepted?
You’ll begin the due diligence process, which includes inspections, finalizing your mortgage, and preparing for closing. Your agent and lender will guide you step-by-step.
What is a home inspection and do I need one?
A home inspection is a thorough review of a property’s condition. It’s highly recommended to uncover any hidden issues before you commit to the purchase.
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