Explore Albany, NY

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Investment real estate can be fruitful, but you must choose your property, your agent, and most importantly, your location carefully. If you are eager to become a landlord or you think that you have a good lead on an area of the city that would provide some great rental income, here are some tips...

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Are looking for tips for buying a home during a recession? Firstly, you need to know what you are going to be up against. There are some tips that will surely help you to get the best deal possible. After all, the buyer is usually in the position of power during these times. While there may not ...

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Although I have historically been a real tree guy when it comes to decking the halls, the quality of fake Christmas trees has steadily improved to the point where it makes pretty good sense to own one. Sure, it rather flies in the face of tradition, and "oh tannenbaum" and all that, but the reall...

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Older homes have a tendency to have all kinds of drafty areas and sealing them up tends to be a nightmare. However, if you want to bring down your heating bill it becomes necessary to take care of the problem. Installing new windows can help, but finding the specific problem areas would make thin...

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If you haven't already, you'll need to come up with cash for your down payment and closing costs. Lenders like to see 20 percent of the home's price as a down payment. If you can put down more than that, the lender may be willing to approve a larger loan. If you have less, you'll need to find loa...

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Green House Hunting. House hunting itself is a similarly eco-shameful exercise. Driving around town (sometimes in two cars and often to rule out a place because it is near the shopping mall or on a busy street) is just wasteful. Green homebuyers and their Realtors can use aerial maps and satellit...

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The Sekai camera is an iPhone applet which promises to allow homebuyers to use their phone camera to "tag" the homes, streets and neighborhood hot spots they see in the real world, and (someday) link in real time to other users' tags of the same things, and even listing data. Imagine that. You ta...

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Giroptic.  It's a 360-degree panoramic camera -- literally a still/video camera with a lens that does a spin on top of a tripod for seamless (not seasick) virtual tours. The kicker? It captures a full motion 360 of the room IN A SINGLE SHOT, and it's digital, so it uploads super fast. Why do you ...

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After the too-good-to-be-true housing boom in the first half of this decade, 2008 was a dose of reality. The subprime mortgage crisis and the collapse of major financial institutions made this year a tough one for real estate. Expect 2009 to be filled with more change and adjustment in home value...

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Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any problems you discover.
If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner. Even though the Internet gives buyers unprecedented access to...

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Buying an Albany NY Home that Might Contain Lead Paint Lead in Homes Built Before 1978 One source of exposure to lead is the lead-based paint that was often used in homes that were built prior to 1978, when the Federal Government banned lead paint in residential structures. Federal regulations re...

By Kevin Clancy, Real Estate Broker - Albany New York
(Http://www.clancyrealestate.com)
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60 Minutes ran a story tonight on the second wave of foreclosures we are going to face as "Alt-A" and Option arm loans start resetting. The numbers thrown out on the program pegged the value of these loans in the the $1.5 Trillion range. If you watched the interview it made you think the bottom w...

By Kevin Clancy, Real Estate Broker - Albany New York
(Http://www.clancyrealestate.com)
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I read and subscribe to many periodicals including the Wallstreet Journal, Businessweek, The Business Review, Inc Magazine,  etc, etc. My wife subscribes to many magazines but her main read is "People".  I noticed a funny thing in my home over the last couple of weeks. A good percentage of people...

By Kevin Clancy, Real Estate Broker - Albany New York
(Http://www.clancyrealestate.com)
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First let me say I understand the pain of being a property owner in upstate NY. We have some of the highest overall tax burdens in the entire country when you figure in income tax, gas taxes, sales taxes, and property taxes. However, for now I want to talk about property taxes. I still hear it al...

By Kevin Clancy, Real Estate Broker - Albany New York
(Http://www.clancyrealestate.com)
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The perception among many is the Realtors simply drop homes in our Multiple Listing Service (MLS) system and they sell themselves. This is far from the truth! As a broker I spend a considerably amount of time networking and keeping track of current and future deals that may or may not  be listed ...

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Do you know how much house you can afford? Probably not, unless you've talked with a lender. Pre-approval helps you in other ways. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from the buyer's bank that states she is pre-approved for a mortgage in...

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Finding the right loan and lender is crucial to your home buying success. It's up to you to determine which lender is best for your needs, and it's always a good idea to have at least a bit of background about the loan process before you talk to a lender. A local or online mortgage broker may fi...

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Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest ra...
  In reality, it is a pretty nice time to buy a home. Home prices in this area have leveled out. You do not want your home value to decrease rapidly due to the negative effects of the economy. It is also important to consider how long you will be in the home that you are about to purchase. If the...

Albany, NY Real Estate Professionals