Home Buying in Schenectady : Advice

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Irene O'Reil…, Real Estate Pro in Clifton Park, NY
Irene O'Reilly answered:
How much rent for a house in Schenectady?
House rental prices varies depending on the size and area the house is located.
0 votes Share Flag Wed May 29, 2013 Home Buying in Vale & Eastern Ave
Dennis Evans, Real Estate Pro in Niskayuna, NY
Dennis Evans answered:
hi how about crime and flood ?
Schenectady has Ellis Hospital which in my personal opinion is excellent as far as shopping... Many great Places to shop as well... A great source of information on this is to just Goog ... more
0 votes Share Flag Wed May 29, 2013 Home Buying in 12307
Tammy C. Ben…, Real Estate Pro in Katonah, NY
Tammy C. Benkwitt answered:
How long does the listing agent have to present our written offer to the sellers? Is there any way to be sure the sellers have received it?
A listing agent really should contact the seller right away to let them know he or she has an offer. Sometimes logistics may prevent the agent from running to the seller with the actua ... more
0 votes Share Flag Fri Aug 23, 2013 Home Buying in 12302
Brian J  Ward, Real Estate Pro in Albany County, NY
Brian J Ward answered:
My credit is poor ... Would it be possible to qualify for a FHA loan?
Depends on various details. Mpezzi3@gmail.com for more information.
0 votes Share Flag Sat Jan 26, 2013 Home Buying in Schenectady
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
what do I need to know about buying a new house?
Hi queenna_lovely,

The first thing you should do is contact a lender and get pre-approved for a loan (unless you're paying all cash).

Once you have your pre-approval, contact a lo ... more
0 votes Share Flag Sun Jan 6, 2013 Home Buying in Schenectady
Michael Pezzi, Real Estate Pro in 12110
Michael Pezzi answered:
what all comes with buying a house for the first time?
The first thing you normally want to do is get pre-approved for a mortgage. That way, you and your Realtor will have an idea of what price range you should be looking at.
0 votes Share Flag Mon Jan 7, 2013 Home Buying in Schenectady
Julie Barnett, Real Estate Pro in Lebanon, IN
Julie Barnett answered:
what is a good price for a 1st time buyer and/or renter?
That really depends on what your income is and your prospective continued employment. You can go to any number of websites and look up on a calculator to see how much home you can affo ... more
0 votes Share Flag Fri Jan 25, 2013 Home Buying in Schenectady
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can property taxes be negotiated?
Sorry but NO. You can however seek an abatement on the assessed value of the home if you think the town.city has placed too high an assessed value on the home. The tax collector multipl ... more
0 votes Share Flag Sun Jan 6, 2013 Home Buying in Central State
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Does Schenectady County offer VA tax brakes?
Consider checking with the county and your loan officer....
0 votes Share Flag Sat May 25, 2013 Home Buying in 12306
Darrell D. D…, Real Estate Pro in 78154
Darrell D. Drouillard answered:
We will be paying cash for our home do we still need to get a R.A or just having a lawyer for the closing process good enough?
I'm not sure what you mean by "R.A", but, even paying cash, I would highly recommend a title policy so that due diligence can be done to verify clear title. I know of a case where a bu ... more
0 votes Share Flag Thu May 2, 2013 Home Buying in 12306
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
I wonder how much taxes are expected if I own a house (about $300K) in Schenectady or Guilderland. Thank you!
If you own a house,
you probably have an Impound Account with the Lender,
which collects Taxes and Insurance on a monthly basis,
which would mean,
that you owe nothing.
0 votes Share Flag Mon Jul 9, 2012 Home Buying in Schenectady
Jodi Sherret…, Real Estate Pro in 77079
Jodi Sherretts answered:
How can we search on appraised values?
Google your local appraisal district. Most are public record and easily available online.
0 votes Share Flag Sat May 5, 2012 Home Buying in Schenectady
David Sader,  in Rotterdam, NY
David Sader answered:
any lenders in schenectady able to do a loan with a middle score of 603??
Call Allison Deere at Bank of America. Her number is (518) 376-3816.
0 votes Share Flag Mon Jul 30, 2012 Home Buying in Schenectady
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
i want to know the about the tax for this house 402 brandywine ave schenectady ny 12308
Estimated annual taxes appear to be $3,900; however taxes should always be re-verified, therefore consider contacting the local tax assessor's office.
0 votes Share Flag Fri Sep 23, 2011 Home Buying in Schenectady
allan erps,A…, Real Estate Pro in Pearl River, NY
allan erps,ABR,SFR answered:
Can anyone recommend a good home inspector?
No it is not! Since I can see you live in the Albany area I have a highley recommended Home Inspector, who also is licensed in Pest Coontrol. Call Turn Key inspections(607-467-1900). Na ... more
0 votes Share Flag Fri Apr 13, 2012 Home Buying in 12304
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Please I need more informations about this property MLS/ID: 201012481 , property taxes,Thanks,Anca Dragomirescu,e-mail: ancadragomy@ yaho...
Since no local answers yet--consider contacting any local realty office(s) and ask, any agent can help you, with information, showings, etc.
0 votes Share Flag Sat May 22, 2010 Home Buying in Schenectady
Theresa (Ter…, Real Estate Pro in Sarasota, FL
Theresa (Terry) Brown answered:
Hello Would like some imput on a deal I am working. Family member looking to sell his house. has an assumable mortgage. Equity, good credit. What?
Equity, appraised value, good credit, steady income will all come into play. The bank does not have to agree to someone assuming the mortgage if everything doesn't come together a ... more
0 votes Share Flag Sun May 19, 2013 Home Buying in 12302
Donna Macan, Real Estate Pro in Metuchen, NJ
Donna Macan answered:
I am a first time home buyer, I have nothing to sell and am looking to not spend a fortune on a new house. I
I cannot understand way you are having a hard time getting an agent to work for you. Are your requirement unrealistic? I know that everyone is looking for a "good deal" when actually ... more
0 votes Share Flag Mon May 20, 2013 Home Buying in 12302
Tom McGiveron, Real Estate Pro in Patchogue, NY
Tom McGiveron answered:
Looking to buy a multi-family home that I can live in and rent out to Union students. Any expert advice?
Dave,

i'm not familiar with the area - but in general i can say that it's a great idea for you to consider investing in real estate!
0 votes Share Flag Thu May 2, 2013 Home Buying in 12308
J R,  in New York, NY
J R answered:
is the nys mansion tax applicable when a home is purchased as a second home non primary residence in nys?
The mansion tax is applicable when buying any home. First, second, third, investment, you name it. It is 1% of the total price on a home over 1M.
0 votes Share Flag Thu Jun 12, 2008 Home Buying in Central State, Schenectady, NY
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