Guilderland, NY Real Estate News

By Christine Serafini, Full Time Award Winning Agent
(Miranda Real Estate Group, Inc.)
OPEN HOUSE TODAY _ MODEL HOME - 5007 Colonial Drive, Guilderland, NY 4BR, 2.5 BA includes first floor master suite, 9' ceilings, Large Open floor plan, gas fireplace with granite surround, abundance of hardwood and so much more!  Come see from 1-4pm today, January 31st! Beautiful matured new construction site of 10 lots and 2 all ready built homes ready for purchase. New Williamsburg Estates! See other plans including a 2700 sq. ft. ranch, "The Reagan" - This plan offers 9' ceilings, 4 bedrooms including a large Master suite, FDR, Eat-in gourmet kitchen opens to the "perfect for entertaining" family room with gas fireplace, Den/study, first floor laundy, ceramic tile baths, full basement with 9 foot ceilings. 2 stall side load garage. Force Hot air heating and central air conditioning. ...
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By Christine Serafini, Full Time Award Winning Agent
(Miranda Real Estate Group, Inc.)
Model Home Available for Purchase or 9 other Lots to Choose from. . T.P. Builders custom built 4BR, 2.5 bath 3000 sq. ft home includes 2 story foyer, 1st floor master suite, 9' first floor ceilings, ample hardwood and ceramic tile, gas fireplace with custom mantle and granite surround. ADT sec.sys., in-ground sprinkler system, full basement studded and insulated ready for finishing! ! TP Builders' homes offer New York ENERGY STAR labels.. The. Builder welcomes your personal. dream plans or you can preview his. Virtual Tour: http://client.imprev.net/89/15189/192904/   Contact Christine Serafini for your private tour! cell - (518) 514-8830 email - christine.serafini@cbpp.com Website - http://www.coldwellbankerprime.com/christine.serafini
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By Ryan Hanley
(The Murray Group Insurance Services Inc)
What advice can be offered when a national insurance broker like Aon is predicting 10 percent across the board increases in health insurance premiums? The advice is NOT sit-back, auto-renew and wait for a Public Option.  Because there is a very honest chance the Public Option never materializes.  To view the entire article Click Here. Thank you, Ryan H.  
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By Ryan Hanley
(The Murray Group Insurance Services Inc)
  Voting is now open for the 2009 Best Wordpress Blog Design! Click Here to vote for RyanHanley.com.  Follow the link and scroll down (nominees are in alphabetical order) to find the Ryan Hanley radio button. Everyone here very much appreciates your support of the Albany Insurance Professional blog as we continue to provide quality, useful insurance information and tools. Thank you, Ryan H. www.ryanhanley.com
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By Ryan Hanley
(The Murray Group Insurance Services Inc)
Paul Sullivan of the New York Times  in April of 2009 wrote an article in theWealth Matters section titled "Never Mind your 401(k). How's Your Insurance?"Mr. Sullivan starts his article with a very simple yet powerful sentence,"Insurance is the least sexy asset in most portfolios."  Why is this simple,straight-forward sentence so powerful?  Because it is true and drives thesub-concious perception of insurance in almost every American's mind. You may view the latest post athttp://www.ryanhanley.com/2009/08/31/disability-insurance-not-sexy-very-important/  
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By Steven Dearstyne
(Keller Williams Capital District)
Whats new in Upstate NY- GuilderlandHomes new to market= 11 PropertiesPending Contract= 9 propertiesSold Deal= 3 properties closed this weekaverage sale price was 306,000, days on market =150 Days!!  wow, now that is saying something, 150 days on the market, do you think things are a bit different this year compared to last??Keep pushing my friends!
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By Steven Dearstyne
(Keller Williams Capital District)
Expanded Rate Buster$250K to $8 MillionMultifamily 5+ UnitsMixed UseMobile Home Parks 15+ PadsSeller Carry Back to 85% CLTV with 75% 1st +10% seller carry back 2ndPopulation 50,000+PAR Pricing February 29, 20083 Year 5 Year 7 Year 10 Year LTV Amortization Annual CreditHybrid Hybrid Hybrid Hybrid Index Margin CLTV DSCR Term Cap Score. .6.00% 6.25% 6.875% 7.125% 6 MO 2.75 75% 1.15 to 30 /30 2% 650+Rate Buster ProgramMultifamily 5+ Units & Mixed Use Only $750K to $100 millionFebruary 29, 20085 Yr. Fixed Balloon Min DSCR Max LTV AmortizationRATES≤ $3 million ≥ $3 millionYield Maintenance PPP 1.20 80% 30 6.01% 5.44%Lasts 4.5 Yrs. 1.35 65% 30 5.83% 5.24%1.55 55% 30 5.63% 5.10%5 Yr. Fixed Hybrid 1.20 80% 30 6.26%5, 4, 3, 2, 1 PPP 1.35 65% 30 6.09%Step Down PPP 1.55 55% 30 5.89%7 Yr. Fixed Ball...
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By Steven Dearstyne
(Keller Williams Capital District)
APFed Ready to Cut Interest Rates AgainWednesday February 27, 3:28 pm ET By Jeannine Aversa, AP Economics Writer Bernanke Says Fed's Priority Is Shoring Up the Economy, Pledges to Cut Interest Rates WASHINGTON (AP) -- The Federal Reserve is ready to lower interest rates again to brace the wobbly economy even as zooming oil prices spread inflation, Chairman Ben Bernanke signaled to Congress on Wednesday. ADVERTISEMENTHe is fighting to keep the economy afloat after mighty blows from the housing and credit crises, while trying to contain inflation. For now, the priority is shoring up the economy, Bernanke suggested in an appearance before the House Financial Services Committee. He pledged anew to slice a key interest rate and help the economy, which many fear is on the verge of a recession...
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By Steven Dearstyne
(Keller Williams Capital District)
 Total homes hitting the market this week from sunday on in Guilderland...New listings- 3 Homes (average list price- $251,266Pending Listings= 4 Listings pendingSold Listings- 2 Homes closed- average sale price $288,500   ** the average list price for these two listings was.....$309,450   ** average was 42 days on the marketThanksSteve 
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By Steven Dearstyne
(Keller Williams Capital District)
www.nywelcomesyou.comgood link for information on people coming to the Empire State!take a lookSteve
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By Steven Dearstyne
(Keller Williams Capital District)
 Search InformationSearch Results   Modify Search   Data Notes/Grant IDs   Help  School Name:Guilderland Elementary SchoolDistrict Name:Guilderland Central School Districtdistrict informationCounty:Albanyschools in countyMailing Address:2225 Western AvenueGuilderland, NY 12084-9559Physical Address:2225 Western AvenueGuilderland, NY 12084-9559Phone:(518) 869-0293NCES District ID: 3613080NCES School ID: 361308004589State District ID: 010802060000State School ID: 010802060003 School CharacteristicsGrade Span: (grades KG - 5)  KG12345              Total Students:541Classroom Teachers (FTE):38.0Student/Teacher Ratio:14.2Type:Regular schoolOld Locale:  Rural, inside CBSA (8)New Locale:  Rural: Fringe (41)Status:Currently operationalCharter: noMagnet: noTitle I School: noTitle I School-Wide Pr...
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By Steven Dearstyne
(Keller Williams Capital District)
Guilderland Last 5 days listingsNew to Market:  12 Properties Lowest List price= $117,900 Vacant Land                                                    Highest=$754,500 New constructionPendings in last 5 days= 7 HomesSold (closed)- 2 homesaverage sale price of these two= $295,250 See you next weekSteve 
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By Steven Dearstyne
(Keller Williams Capital District)
New York School Districts Listed below are the New York " Top 20 Districts - Highest Graduation Rates." Click on the school names to view more details about the individual schools that the districts manage.Top 20 Districts - Highest Graduation Rates G.R. = Graduation Rate (average for high schools managed) District Name School Name Town County G.R. 1. Shenendehowa Central Shenendehowa High School Clifton Park Saratoga 99.83% 2. Rockville Centre Union Free South Side High School Rockville Centre Nassau 99.61% 3. Levittown Union Free Div Ave Senior High Levittown Nassau 99.56%    Levittown Union Free Gen. Douglas Macarthur Senior Levittown Nassau 99.56% 4. Scotia-glenville Central Scotia-glenville Senior Scotia Schenectady 99.54% 5. Roslyn Union Free Roslyn High School Roslyn Heights Nass...
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By Steven Dearstyne
(Keller Williams Capital District)
Take a look at this link. You can view the street view of a house, street, etc.Amazing stuffhttp://maps.google.com/maps?f=q&hl=en&ie=UTF8&om=1&layer=c&ll=42.7339,-73.918762&spn=1.54734,2.167053&t=p&z=9Learn something new everyday! Steve
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By Steven Dearstyne
(Keller Williams Capital District)
Basic stats about Guilderland, NY 12084 In a nutshellThe population of 12084 is 4,273.That's #13424 out of all 42,305 zip codes.82% of the population is white, which is 8 points more than the national average.The average household income in 12084 is $53,480, which is $23,782 more than the typical average.This contributes to the average house being worth $173,600. When the survey was done in 2000, that represented a difference of 120% from the typical value.Men make up 45% of the population, and the typical age in this part of NY is 38.8.Stats about: Guilderland, NYPopulation: 4,273Number of Households: 2,227Average House Value: $173,600Average Income per Household: $53,480Elevation: 30 ftPopulation Breakdown:
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By Steven Dearstyne
(Keller Williams Capital District)
Boards and Committees Printer-Friendly Version BoardMeeting ScheduleTimeLocationTown Board1st and 3rd Tuesdays7:30 pmTown Board Room, Guilderland Town HallConservation Advisory Council3rd Monday of month, see calendar for exceptions7:30 pmTown Hall, Upstairs Conference RoomEconomic Development Advisory CouncilAs neededTown Board Room, Guilderland Town HallEthics BoardAs needed  Industrial Development AgencyAs needed  Pathways CommitteeAs needed  Planning Board2nd and 4th Wednesday, see calendar for exceptions7:30 pmTown Board meeting room, Town HallTraffic Safety CommitteeAs needed  Zoning Board of Appeals1st and 3rd Wednesdays7:30 pmTown Board meeting room, Town Hall
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By Steven Dearstyne
(Keller Williams Capital District)
Have to write about my experience at Family reunion 2008 in Gahaving been with remax for 5 years I went there not knowing what to expect, since Re/Max was the only other company I knew.  The experience blew me away.  It was like a huge "Family", sorry had to do it, who came together to share ideas and gain strength for 2008.  I came away with a ton of information regarding the internet, how to take 10+ listings a month as well as how to sell 100 homes a year in any market.The presenters were excellent!  they had energy, very knowledgable about the current market conditions and where the market is going.  Also it was great to know that KW was a growing company in 07 and looks like 08 is going to be stronger than ever!We went down to the conference with 14-15 people who I believe gained t...
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By Steven Dearstyne
(Keller Williams Capital District)
Guilderland High School8 School Road, Guilderland CenterSchool Report Card  AssessmentResults  Grade range9-12  Full-time teachers133  Part-time teachers4  Students receiving free lunch3%  District expenditure per pupil$8,596  Attendance rate94%  District average full value tax rate per $1,000$17  District median teacher salary$47,088  AYP: Met All AYP GoalsY  Graduates receiving Regents diplomas94%  Graduates planning to attend 4-year college69%  Graduates planning to attend 2-year college0%  2002 cohort: Students in cohort graduating in four years89%  2002 cohort: Female students graduating in four years93%  2002 cohort: Male students graduating in four years86%  2002 cohort: Minority students graduating in four years88%  2002 cohort: White students graduating in four years89%  High S...
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