MTG Real Estate 2016 - Watertown Daily Times

Summer Real Estate
A Special Section from
The Malone Telegram
2 • June 2016
Real Estate
9 Edward St., Malone
A-1 condition, 3 bedrooms
home in village.
MLS 135183. $74,900
110 Park St., Malone
Beautiful, well kept home, 4
bedrooms, 2 bath Village Home.
MLS 147289. $134,900
Reduced from $225,000
11 Harding St., Malone
3 bedrooms, 1 bath, nice great
room, interior remodeled.
MLS 147476. $119,900.
Reduced from $149,900
154 Lake Road, Bellmont
3 bedrooms, 2 bath. Year round
home on Chateaugay Lake
Narrows. MLS 149466.
Price reduced to $249,900.
Reduced from $289,900
11495 St. Rte 30, Malone
13.5 acres, 3 bedrooms,
handyman special, interior
gutted - MLS 149731. $29,900
84 Grand View Drive, Malone
4.5 acres, 4 bedrooms, 2 bath,
nice country lot. Spacious rms, 1
car att. and two car det. gar, plus
storage building.
MLS 150157. $115,000.
Reduced from $149,900
76 Fleury Rd., Burke
86 acre farm, with 5 bedrooms,
1 bath home. 24’x48’ shop,
37’x80’ pole shed, 40 cow
tie stall farm. MLS 153369.
$258,000
64 Simms Rd., Chateaugay
3 bedrooms, 2 bath, 16’x80’
(1998) mobile home, secluded
lot, very good condition.
MLS 153432. $55,000
75 West Main St., Chateaugay
2 bedrooms, 2 bath, home on
1.98 acres, stone fireplace, sun
room, hot water heat.
MLS 153462. $157,000
441 Studley Hill Rd., Duane
Camp located on 80 acres, has all
season 16’x40’ camp near road. and
360 sq. ft. cabin located in rear of
lot accessed by 4 wheeler. Hunters
dream. MLS 154682. $130,000
2448 St., Rt. 11, Bangor
106 Park St., Malone
4 bedrooms, 1 full, 1 half bath.
3 bedrooms, 1 full, 1 half bath.
Beautiful hardwood trim & flooring. Home in good condition on corner
Fresh paint, storage building
lot in Village. Priced to sell.
and fenced yard.
MLS 150479. $45,000.
Reduced from $79,900
MLS 154742. $115,000
7 Lawrence Ave, Malone
Newly renovated 4 bedroom,
2 bath home in nice
residential neighborhood.
MLS# 145406. $99,500.
Reduced from $119,900
128 Rod Fox Rd., Owls Head
2 bedrooms, 1 bath cottage
on Indian Lake, 204’ of water
frontage. New roof, automatic
generator back up.
MLS 151191. $269,000
5 Donahue Rd., Malone - 4 BR,
1 bath, 1.98 acre lot. Inc. 3 BR
mobile home currently rented
out at $450/month. 250’ of water
frontage on Trout River.
MLS 150699. $129,900.
Reduced from $159,000
262 W. Main St., Malone, NY
4009 St. Rte 37, Westville
4 bedrooms, 1 full & 1 half bath,
3 bedrooms, 2 bath, interior of
zoned commercial and residential. home has spacious rooms, must
Could be used as an office with see interior of home. 3 car garage
and storage building. 1.5 acre lot.
living quarters. MLS 153225.
MLS 155859. $175,000
$98,000. Reduced from $175,000
124 Travers Road, Malone
4 bedrooms, 1 full, 1 half bath,
2 car garage, all on 47.5 acres,
interior remodeled, above ground
pool. Great hunting.
MLS 155880. $119,000
979 St., Rte 11, Moira
3 bedrooms, 1 bath modular
home on .25 acres. New metal
roof, water filtration system,
handicap accessible.
MLS 156390. $39,000
Investment Property - Flat Rock
Rd. 4 units (3 - 2 BR), (1 - 3BR).
Located on 8 acres of wooded
land. Ideal country setting.
MLS 148854. $150,000
RENT THIS YEAR-ROUND
Investment Property - Park St. A-1
con-dition duplex (2 - 1BR) newly
renovated thruout - acros from
Hospital and 100% occupancy rate
excellent $ return. MLS 150480.
$99,900. Reduced from $129,900
Investment Property - 35 Depot
St., Chateaugay. 3 unit complex.
(2 - 2 BR), (1 - 1BR) well
maintained. Great money maker.
MLS 155865. $84,000
Luxury 4 BR Cottage, Lower Chateaugay
Lake by the week. Cottage value 1/2
million. Fully furn-ished. Includes non
motorized boats, 3 full floors, all over
looking lake. Limited weeks $2,200 per
week. 100+ water tank
LAND
Elm Street, Malone - 2.5 acre lot w/250’ frontage. Just past
Malone Plumbing & Heating on left. $20,000
Junction Road, Malone - 2.5 acre lot w/310’ frontage. Good
building lot close to village. $20,000
Constable, Burke Townline Road, Constable - 58.61 acres.
Good hunting area, could be good building lot. $42,000
Travers Road, Malone - 2.86 acre building lot with great views.
Good neighborhood. $20,000
Kelly Road, Ft. Covington - 49.24 acres. Owner financing
available. $66,500
LANGLOIS-YANDO REALTY
269฀West฀Main฀St.,฀Malone,฀NY฀•฀(518)฀483-7243฀
Broker, Doug Yando
Full฀Listings฀On฀Our฀Website฀www.langlois-yando-realty.com฀•฀Malone’s฀Oldest฀Established฀Real฀Estate฀Agency
Licensed Agent,
Tom MacDonald
June 2016 • 3
Real Estate
First-time home buyers often overwhelmed
Metro Media
Buying a home for the first
time is an exciting period in a
person’s life. Deciding to buy
a home often indicates buyers are ready to establish firm
roots in a community where
they can see themselves living
for years to come.
The process of buying
a home is rarely easy, and
first-time buyers may feel
overwhelmed at times. Such
feelings are perfectly normal
and felt by first-time buyers
regardless of their budgets or
home preferences. But there
are a few ways to make buying
a home more enjoyable than it
is nerve-wracking.
n Examine your finances.
The first step toward buying a
home has nothing to do with
deciding if you prefer a craftsman- or Tudor-style home.
Before you even begin your
search for a home, carefully examine your finances to determine how much is coming in
and how much is going out of
your household each month.
Figure out how much debt
you are currently carrying, be
it student loan, automotive,
consumer or any other types of
debt. Order a credit report so
you can see how prospective
lenders are likely to see you,
and address any errors you
find on the report before meeting with any lenders. Peruse
past bank statements to track
your spending habits, looking
for areas where you might be
able to scale back if need be.
n Be prepared when visiting
lenders. Prospective borrowers can make the home-buying
process go smoothly by having all of the necessary documentation ready when visiting
potential lenders. Many mortgage lenders will want to see
some recent pay stubs (from
both borrowers if buying with
a spouse or partner), a couple
years’ worth of W-2s and tax
returns, as well as your recent
bank statements. You can always call ahead and ask lenders
what they need to see when applying for a loan. Having these
materials ready in advance
means you will spend less time
at the bank and more time finding the right home for you.
n Secure financing before
you begin house hunting.
Many first-time home buyers
might not realize the benefits of securing financing before they begin looking for a
home. Mortgage pre-approval
lets buyers know how much a
bank will loan them, meaning
they won’t spend time looking
at homes they can’t afford. In
addition, pre-approval means
buyers won’t lose out on their
dream homes as they scramble to secure financing after
making an offer.
METRO MEDIA
Buying a home for the first time can be an exciting, yet challenging, experience.
n Work with a local real estate agent. Real estate agents
are an invaluable resource to
home buyers and are especially valuable to those buyers who
have never before purchased a
home. Agents can help firsttime buyers navigate the often
confusing and, at times, disappointing process of buying a
home. Choose an agent who is
established in the area where
you want to buy a home. He or
she can provide information
about local property taxes and
schools as well as a multitude
of additional issues that firsttime buyers may not think of.
Agents also know the lay of the
land regarding home prices,
which can ease first-time buyers’ fears about overpaying for
their first homes.
A home is the biggest purchase many people will ever
make. First-time buyers may
be intimidated as they begin
searching for their homes, but
there are several ways to make
the process go smoothly.
HOME
EQUITY LOANS
AS
LOW
AS
4.49%
New Auto
as low
as
Personal Loans
as low
as
9.00%
2.99%
Used Auto
Visa Purchase
as low
as
6.90%
as low
as
3.99%
Visa Balance Transfer
3.90%
494 E. Main St., Malone • 483-8668
NorthFranklinFCU.org
NFFCU NMLS
ID# 402144
All loans subject to credit approval,
certain restrictions may apply.
4 • June 2016
Real Estate
Budget-friendly ways to add curb appeal
Metro Media
Curb appeal can help a
home get noticed in a bustling
real estate market. Curb appeal also can contribute to the
aesthetics of a neighborhood
for residents who plan to stay
put, and many homeowners
feel an attractive exterior is just
as important as a comfortable
interior.
Homeowners do not have to
spend a fortune to improve the
curb appeal of their homes.
With these strategies, anyone’s home can take on a more
appealing look.
Clean up
A messy, untamed front yard
can detract from a perfectly
acceptable home. Cleaning
up your yard and home’s exterior is one of the easiest and
most cost-effective ways to
give the place a makeover. Cut
back overgrown shrubs, plants
and trees. Make sure the front
door is clearly visible and that
any walkways are edged and
accessible. Store garbage pails
behind a barrier and keep trash
out of sight. Store children’s
toys in the backyard rather
than strewn across the front
lawn. These simple steps can
improve curb appeal instantly.
Spruce up the lawn
A well-manicured lawn
can go a long way to making a
home more appealing. If your
thumb is anything but green,
hire a professional lawn and
garden service to help you establish a lush, green lawn.
Dress to impress
The entryway to a home is
the first thing visitors will see.
Be sure the front door and
entryway are in good repair.
A pop of color can’t hurt, either. If you do not like the idea
of painting the door a vivid
hue, dress it up with a colorful
wreath or another decorative
accent. Carry your interior design style to the outdoors as
well. Welcoming accents, such
as cushioned chairs or potted
plants, also add curb appeal.
Consider painting house numbers on a terra-cotta pot and
filling it with plants. The pot
will be decorative and functional.
Rely on symmetry
Symmetry is pleasing to the
eye and easy to arrange. Use
it to frame your entryway and
throughout your property.
Symmetrical use of lighting
fixtures, plants, trees, and decorative items really can have
an impact.
Don’t forget lighting
Outdoor lighting adds appeal and safety to a property.
METRO MEDIA
Curb appeal can set your home apart, and improving curb appeal doesn’t have to be expensive.
Use lighting to accent a special landscaping feature or
to illuminate a walkway. Few
people enjoy approaching a
dark home, and outdoor lighting can ensure your property
always is well-lit. Remember,
curb appeal is applicable both
day and night.
Improving on curb appeal
can make a big difference in
how others view your home.
Before You Purchase...
Get The Facts
Home Inspections • Water Testing
Radon Testing • Water & Septic
Load Dye Testing
Jamie Willett
Inspector
Finishing up that basement can really pay off
By SCOTT McGILLIVRAY
Metro Media
If today’s real estate market
has you frazzled, a home renovation project may be just
the right answer. With home
prices on the rise, finishing a
basement is the latest trend
towards building even more
equity in the home.
A finished basement can
offer a little extra room and
give a growing family space
to breathe, and with so many uses, a renovated basement may be exactly what
your home is missing. It can
provide additional storage, a
sound-proofed media room,
craft room, guest room, or income suite. The possibilities
are endless. Here are some tips
on how to give your basement
a 180-degree makeover:
n Waterproof it
n Soundproof it
n Add or replace flooring
n Add color
n Accessorize it
Northern New York
TURNING HOUSES INTO HOMES
16000061653
o: (518) 483-7576
c: (518) 521-4980
All Pro Builders’ LLC
Foundation to Finish
Installation • Parts • Repair
248 Taylor Road
Malone, NY 12953
(518) 480-9652
Jason
GARAGE DOORS BY
(518) 812-5811
Tim
3137 State Route 11 West, Malone • 483-4125
June 2016 • 5
Real Estate
Find Your New Home Here!
D
L
O
S
Much more at marshallrealtyny.com
Well maintained, quaint village home.
Handmade kitchen cabinets with built in
china hutch in the dining room. Hardwood
laminate in living room and a lot of storage
upstairs. Work benches in both the garage
and in the back shed. Enclosed front porch
and a 10 ft enclosed patio in back of the
Great investment opportunity is waiting in house. Spacious backyard with fencing.
this four apartment building. Roof, siding Must see to appreciate! MLS# 152764
and windows have all been replaced. All $59,900
units are well maintained and currently
rented. Apartments have hardwood floors
and updated kitchens. Each has its own
porch. There are 2 two bedroom
apartments on the first floor and 2 one
bedroom apartments on the second floor.
Tenants are responsible for electric costs
(including hot water). Convenient location.
Seller has owned the property for 33 years
and says, it’s time to sell! MLS# 152276
Country, pure and simple! Hardwood
$124,500
floors, laundry room and private backyard
make this perfect for a first family or
retirement home. Large 2 car garage also
has ample room for a workshop. Located
just minutes from Malone, property is
conveniently located between Malone Golf
Course and Titus Mountain. MLS# 155560
$ 74,500
This large manufactured home has 5
bedrooms and 2 full baths and is located
minutes from the Canadian border. Living
room, kitchen and family room are a
generous size. Plenty of closet space,
Located on a little over 2 acres, home is set
back from the road with a good sized
backyard with an above ground pool.
Outdoor furnace makes heating economical You can't go wrong! Almost 10 acres of
and home comfortable. Good home at a hunting land go with this two bedroom
good price!! MLS# 155541 $84,900
ranch built in 2002. All furnishings are
included. Completely insulated. Economical
to heat with kerosene monitor and propane
fireplace. Close to snowmobile and ATV
trails. This well taken care of property may
be lived in year round or used at you own
getaway or hunting property! MLS# 156281
$59,900
Private country setting! This beautiful 4
bedroom home on approximately 20 acres
features cherry floors, crown moldings and
handcrafted woodwork for an elegant, but
cozy atmosphere. Kitchen & bathrooms
have porcelain floors. Granite countertops.
Open floor plan. Generator hook up and
economical to heat. Two car garage and
large above ground pool. Acreage is great
for hunting & fishing. Some is tillable. The
Little Salmon River runs through property.
Additional 10 acres across the road is also
available. Treat your family to the best of all
worlds! MLS# 156239 $169,900
New listing ! Freshly painted spacious
home. Features 2 full baths, 4 or 5
bedrooms. Set up for inlaw quarters. Newly
installed high efficiency natural gas
furnace, hooked up and running. MLS#
156585 $109,900
This beautifully crafted home is a must
see. Large spacious rooms and an open
floor plan. All flooring is either hardwood or
tile. Kitchen features mahogany and marine
birch cabinets with copper countertops.
Staircase is yellow pine. Crown moldings
and woodwork are all hand made. Radiant
floor heating is energy efficient. Careful
thought has been put into every part of this
home. Adirondack style garage has cedar
siding with custom doors. It is easily 2 car
or handyman's dream. Treat your family to
a property where attention has been to
every detail!! MLS# 153446 $189,900
3 Bedroom, 2 bath Victorian
has large rooms. With a little
would make a great home.
detached garage. Make an
156091 $44,900
home. Home
improvement
Large 2 car
offer. MLS#
Here is your chance to own a beautiful
home with many unique features. The
Canadian Cedar log home is located on 49
acres with Sugar Maples, 12 raised beds
(perennials, asparagus, blueberries, &
strawberries), raspberries, fruit trees and a
grape arbor. The interior of the home is a
warm combination of hardwood floors,
abundant natural light, and tongue-ingroove ceilings. Only the finest materials
were used in this well planned and
maintained property. Solar power, modern
boiler and new front windows contribute to
its efficiency. Close to 1500' road frontage.
Wonderful views. MLS 155690 $289,000
Five minutes from Chateaugay Lake
nestled on a 5 acre lot with pine and
hardwood trees. Price to sell with
furnishings. MLS# 154199 $39,900
Marshall Realty
246 West Main Street, Malone • 483-2400
Great home in a great neighborhood!
This 3 bedroom, 2 bath home is located on
a double lot within walking distance of
hospital, library, schools and downtown.
Home has been well maintained with recent
updates including energy efficient windows
and a new propane boiler (which can be
converted to natural gas). Natural
woodwork. Large kitchen, dining and living
rooms. Convenient bathroom/laundry is
located on the first floor. Walkup attic is
insulated. Comfortable knotty pine enclosed
porch. Home is waiting for just the right
buyer!! MLS# 156518 $86,900
Charming duplex located in the village of
Malone. Beautiful flower gardens decorate
the private back yard. Back unit has new
windows, modern kitchen with stainless
steel appliances and deck. This home offers
a great opportunity to generate income
through rental of the front unit, while owner
occupies the spacious rear unit. MLS#
156641 $114,900
Like new, this double wide has vaulted
ceilings, high gloss hardwood floors and a
spacious family room with a fireplace.
Home sits on a one acre lot with woods in
the rear for the kids. Foundation consists of
poured slab and block foundation. All
appliances come with home. Spotless and
ready to live in. MLS# 155351 $92,500
Country home with large spring fed
pond. This home features parquet
hardwood floors, 5 bedrooms, sun porch.
Very spacious home on 13 acres. MLS#
155581 $120,000
Covered front porch welcomes you into
this 2,500+ sq. ft. 4 bedroom Contemporary home. Large kitchen with breakfast
area and a formal dining room. Spacious
living room, 1st floor office & work out
room. Home sits on a beautifully kept 24
acre lot with an above ground pool and
man-made pond. MLS# 151483 $109,900
Architecturally designed home in modern
Adirondack style in private, forest setting.
Over 4,000 sq.ft. of living space with
spacious kitchen, dining, family and living
rooms; four bedrooms. Third floor contains
art studio/office; large walkout basement
has a gym and workshop; exterior buildings
include a 2 story, 48’x32' garage
/workshop. Features 3 fireplaces, extensive
hardwood flooring, Woodmode cabinets,
MLS# 155763 $479,000
Ranch style home gives you the room you
need to live comfortably. Property has a
stable, and borders State Land across the
road. Large Master bath with whirlpool tub
and 1st floor laundry. MLS# 156642
$98,500
Large home located in the village of
Burke. Spacious kitchen, dining room and
living room. Five bedrooms make it perfect
for the large (or growing!) family. Natural
woodwork and stained glass contribute to
the uniqueness of this property. Great front
porch. Improvements include new
appliances, laminate in the kitchen, and
pellet stove. Basement has been spray
foamed. Includes a 2 story barn/garage on
1 acre lot. Great value for the price! MLS#
156023 $69,900
Brick Marshall, Broker 651-4764
Licensed Sales Agents:
Jackie Burns 353-1788
Nancy Lamondie 651-0255
6 • June 2016
Real Estate
Mortgage terms
you should know
Metro Media
Buying a home is simultaneously exciting and stressful.
Part of that stress stems from
the terminology associated
with home mortgages. Following are a few terms buyers can
familiarize themselves with to
facilitate the process of buying
their own homes.
n Closing costs: Buying a
home is expensive, and part
of that expense is the closing costs. Any time a real estate transaction occurs, that
transaction is accompanied
by certain expenses, which
are known as the closing costs.
Closing costs may include attorney fees, loan origination
fees, title insurance and escrow payments. Buyers can
sometimes negotiate with the
seller so the seller will agree
to pay the closing costs, or the
costs can be shared by the buyer and the seller. But buyers
may also pay the closing costs
in their entirety on their own.
n Escrow: Escrow is a bond,
deed, document or money
kept in the custody of a third
party until a real estate transaction has been completed.
In addition, escrow accounts
are used to hold the property tax and insurance fees that
are collected via your monthly
mortgage payment.
n Fixed-rate mortgage: A
fixed-rate mortgage, unlike
an adjustable rate mortgage,
is one in which the interest
rate on the mortgage remains
the same for the life of the
loan. Buyers typically prefer a
fixed-rate mortgage because
they know exactly what they
will be paying for their home
each month. An adjustable
rate mortgage, often referred
to as an ARM loan, is one that
typically comes with a lower
interest rate than a fixed-rate
mortgage, but that lower rate
is usually only locked in for a
relatively brief period of time.
n PMI: PMI, which stands
for private mortgage insurance, must be purchased by
home buyers who are financing more than 80 percent of
their homes. The standard
down payment when purchasing a home is 20 percent,
but some buyers cannot afford
such a down payment. As a result, the lender then mandates
that such buyers purchase
PMI, which protects the lenders if the borrower defaults
on the loan. The cost of PMI
will be added to your mortgage payment, and once you
have 20 percent equity in your
home you can cancel PMI.
n Title insurance: Title insurance is a tool that protects
both the buyer and the seller
against legal issues that may
arise as a result of the home’s
title. It protects buyers and the
lender from the possibility that
the seller was not legally permitted to transfer ownership
of the property to the buyer.
Anniversary Savings on our
Summer Model Clearance!
26x44 Cape Chalet, 2 bed / 2 bath first floor
• Thermal double hung windows with prarie grids and
double sliders with trapezoid windows in gable
• Craftsman styled fiberglass front door and Double
16’ dormers with gable pediments
• Upgraded Lighting Package
• 2x6 exterior walls with R-21 in side walls and R-38
in upstairs kneewall and foam board exterior wrap
• Upgraded monogram siding with shake shingle and
faux stone on gable, 30 year architectural shingles
• Mellowood maple cabinetry with island
• Solid Knotty Pine 6 panel
interior doors & trim and
slate foyer & plush carpeting
• Built in NYS-standard D-1
Seismic Code with 85 lb.
roof load
Save Over
$25,000!
We Build Peace Of Mind Into Every Home… Full Warranty In Place.
See More Floor Plans & Photos On Our Website
Better Service, Higher Quality,
All at a Price You Can Afford
690 Route 3, Near Della Honda
Plattsburgh, NY 12901
Phone: 518-563-6250/ 800-794-6250
Mon.-Thurs. 9-6 Fri.-Sat. 9-5 Sun/Eve by appt.
www.plattsburghhousing.com
YOUR HOME LOAN HELPS OPEN THE DOOR TO
More Green Thumbs
When you hold a mortgage with us, a portion of
it goes to support worthy local causes such as…
GardenShare, a nonproit that’s working to end
hunger and create opportunities for small farms
in St. Lawrence County.
100% of North Country Savings Bank mortgage
dollars are invested in our local communities.
Because your home is more than a house. It’s
your community.
NorthCountrySavings.com/mortgages
Ogdensburg (315) 393-1600 • Massena (315) 769-3566 • Canton (315) 386-4533 • Potsdam (315) 265-2300 • Malone (518) 317-7777
June 2016 • 7
Real Estate
Weigh all factors
when downsizing
Metro Media
As men and women retire
or approach retirement age,
many opt to downsize their
homes. Such a decision can
save older adults substantial
amounts of money while also
liberating them from the hassle of maintaining large homes
they no longer need.
Downsizing to smaller
homes or apartments is a significant step, one that homeowners should give ample
consideration before making
their final decisions. Consider
the following:
n Get a grip on the real estate market. Downsizing is not
solely about money, but it’s
important that homeowners
consider the real estate market before putting their homes
up for sale. Speak with a local
realtor or your financial advisor about the current state of
your real estate market. Downsizing can help homeowners
save money on utilities, taxes
and mortgage payments, but
those savings may be negated
if you sell your house in a buyer’s market instead of a seller’s
market. If you think the current market won’t get you the
price you are hoping for, delay
your downsize until the market rebounds.
n Take inventory of what’s
in your house. Empty nesters
often find that their homes are
still filled with their children’s
possessions, even long after
those children have left home.
If the storage in your home is
dominated by items that belong
to your children and not you,
then downsizing might be right
for you.
Tell your children you are
thinking of downsizing and invite them over to pick through
any items still in your home.
Once they have done so and
taken what they want, you can
host a yard sale, ultimately
donating or discarding what
you cannot sell. Once all of the
items are gone, you may realize that moving into a smaller
place is the financially prudent
decision.
n Consider your retirement lifestyle. If you have already retired or on the verge of
retirement and plan to spend
lots of time traveling, then
downsizing to a smaller home
may free up money you can
spend on trips.
Downsizing or Moving? We Can Help!
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Waterfront property with 2 living spaces. A 2 bedroom camp and an insulated
fully functional aprtment in the boat house, overlooking the water. Covered boat dock
and sandy beach on 1.87 acres. MLS# 152553 $204,500
Cape Cod home on 19+ acres. 4 bedroom home features state of the art appliances,
updated looring, new master suite, 2 garage and workshop, and a brook! Burke.
MLS# 153868 $160,000
Just outside Malone village. Very nice 3 bedroom, 2 bath
home with den/oice and beautiful hardwood loors
throughout. MLS# 154130 $90,000
4 bedroom country home! Located on 18.5 acres on a quiet road with meadows
and a small pond. Many updates include a large country kitchen. 3 spacious
outbuildings. MLS# 154675 $198,000
Village riverfront property! Enjoy the Salmon River in your back yard.
2-3 bedroom, 1.5 bath home in the Village of Malone.
MLS# 155197 $59,000
Over 250’ of Salmon River frontage! Home features 3 bedrooms and an open
loor plan with lots of natural light. The spacious basement is walk out to backyard/
river. Lots of updates have been completed! MLS# 155589 $179,900
Awesome building lot!! 50 x 32 Quonset Kwanza hut with 1.47 land in a desirable
location. Many options! Seller has also put a tiny home on the property. Stream runs
through the back of property. MLS# 155863 $55,000
Overlooks the #1 hole at the Malone Golf Course! Spacious, well-maintained
and updated 4-bedroom 4-bath home boasts new hardwood loors with a fabulous
loor plan. Features a den with ireplace, large family room with a full bath and own
entrance. This home has so much to ofer! MLS# 155904 $262,500
Beautiful area with magniicent views! Full Reno in 2007! This contemporary 4
bedroom home is on 11+ acres. Open loor plan with custom kitchen cabinets, dining
area, den and screened in porch. Master retreat with ireplace and balcony. Enjoy
the large multi level deck with an oblong pool. Home has a 2 car attached and 2 car
detached garage with plenty of storage. MLS# 156031 $459,000
Wonderful year round Adirondack style home/camp! Has 4 bedrooms & 2
full baths - all updated. Nice open loor plan with the view of the lake. Features a
wood stove, large 3 bay garage and work shop. The boat house second loor overlooks
Mountain View Lake - propane stove installed. MLS# 156277 $247,500
Victorian 1890’s Home! 4 bedroom 3.5 bath home is a great home for entertaininglarge rooms, newly remodeled kitchen, hardwood loors. Large Master suite, 2
staircases, full basement, and a tiered deck attached to the pool. 3 car garage. MLS#
156297 $165,000
Former dentist oice is ready for a new owner. Well located oice space with
2nd loor living quarters. So much you can do with this great space! MLS# 154887
$65,000
Amazing riverfront property with a 2 bedroom 1 bath ranch home. Beautiful views , remodeled kitchen, family/great room, and a deck overlooking the
Salmon River. Two-car garage with a workshop and more! MLS# 156535 $139,900
Very nice old style home with a newly remodled kitchen, wide plank loors, and
4-5 bedrooms. Features a salon that could be business space. 2 new propane hot
air furnaces, 200 amp electric and many more updates. Above ground pool, sand
volleyball court, 3 car garage. MLS#156593
Beautiful 4 bedroom 2 bath home with a great curb appeal. Gorgeous hardwood loors throughout. Home has been fully updated and well taken care of. The
property is close to the hospital and most amenities. MLS#156815 $124,000
Nice 3 bedroom contemporary home also features in-law quarters. 1.9 acres
of land abuts the Collins Brook. New appliances, countertops, looring and paint.
Home has been well maintained inside and out. MLS# 156847 $182,000
See more great listings at northernadirondackrealty.com
NORTHERN ADIRONDACK REALTY
JoAnna Brown, Broker • Res. 481.6510; Cell 593.5347
Justin Brown, Lic. Sales Agent Cell 637.3492
344฀West฀Main฀Street฀•฀Malone฀•฀483-7700
8 • June 2016
Real Estate
Factors to consider before renting out your home
Metro Media
Renting out a home is a
great way for homeowners to
earn some extra income. Some
homeowners rent their homes
in an attempt to wait out a sagging housing market, while
others see renting their homes
as a long-term commitment to
their financial futures.
The decision to rent out a
home is one that homeowners
should not take lightly. Consider the following:
Time
Being a landlord is a
24/7/365 commitment, as tenants will expect their landlords
to be on call at all times. Tenants will call their landlords
should plumbing fixtures suddenly burst in the middle of
the night, and landlords must
be available to answer such
calls no matter how inconvenient they become.
Maintenance
Whereas homeowners
may be able to delay making
certain repairs in the homes
where they lay their heads,
such a luxury is not afforded
when they are renting out their
other properties. Repairs and
maintenance of rental properties cannot be put on the back
burner while you save money
to fix them. In addition, if even
minor repairs typically pose
a problem for you, you may
soon discover that hiring a
handyman or discounting rent
for live-in supers is cutting into your profits or making it difficult to pay bills.
Tenants
When mulling whether or
not to rent out your home,
consider who your prospective tenants will be and if your
community will supply the
steady stream of renters you
will need to pay your mortgage
and bills without jeopardizing
your finances.
Help
Many landlords work with local real estate agencies or property management firms who
will do much of the legwork
with regard to finding tenants
and maintaining properties.
Research the cost of such help
to determine if you can afford
it and still make renting your
home financially viable.
Attorney fees are another cost prospective landlords must consider. Land-
lord-tenant laws can be
difficult to decipher, so it helps
to have an attorney who can
help you decipher these laws
and how they should govern
your actions as a landlord. But
attorneys are not inexpensive,
and they must be worked into
your budget as well.
Renting a home is a great
way to earn extra income, but
homeowners must consider a
host of factors before putting
their homes up for rent.
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518-359-9440 Tupper Lake
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June 2016 • 9
Real Estate
The North Country’s
Premier Full Service
Real Estate Firm
Peter Whitbeck
152224
2.5 Story Adirondack home on Lake Titus.
4 bedrooms with a loft, 2 bathrooms,
cathedral ceilings, finished walk-out basement.
$305,000
156150
PJ (Peter) Whitbeck
Fran Johnston
Melissa Johnston
Karamarie Morton
Also check out our cutting edge website where you
can see all the listing all the time at: www.cbwhitbeck.com
156551
156282
This beautiful 4 bedroom, 2 full bath, 2 half
bath home sits on 10.99 acres of peaceful,
private land.
This is a stunning Victorian in a preferred
neighborhood. Character, details and charm
define this property.
$350,000
$164,500
156286
This spacious 4 bedroom home with 2 full
baths has a large open concept to the
kitchen and dining room.
154064
Totally renovated that presently houses a very
well equipped Beauty Salon in a great location.
10’ x 10’ modern kitchen and 2 additonal rooms
$159,000
156335
This modular home sits on 17 acres of beautifully
Very nice family home with a mother-in-law
apartment in the back that could be converted landscaped property. Tray ceilings in some rooms.
Master Spa Bath w/ timer air exchange.
back into a single family, five bedroom home.
$147,900
$249,000
$159,900
156271
156174
156629
156570
Gorgeous Dutch Colonial lovingly renovated
and maintained on a beautiful lot with
mature trees. This home is a must see!
If you have been looking for a
well-maintained Hobby Farm with
numerous updates, this property is for you!
Beautiful home with all of the improvements
and upgrades that you're looking for!
This house has a great history.
Great 3 bedroom, 1 bath cottage with 283
Detailed craftsmanship has gone into this
feet on the Hatch Brook. Cottage would make Adirondack style home. Tongue and groove pine
a great summer place or could be year-round.
throughout. Relax in the sauna or jetted tub.
$229,000
$97,000
$179,900
153066
154227
Three bedroom and 2 1/2 bath contemporary home
on 3.86 acres. Beautiful setting overlooking the St.
Lawrence Valley and the Malone Golf Course.
$239,000
143731
Located in the small hamlet of St. Regis Falls. This
home has a new metal roof, furnace, windows, deck,
and blacktop driveway!
$80,000
$109,000
$182,500
150013
Large contemporary home, excellent location
overlooking a 36 hole Robert Trent Jones Golf
Course. A lot of home for the price.
$199,900
$89,000
Three bedroom, one bath ranch in very good
condition condition. Nice features of the home
include a new On-Demand hot water heater.
$94,900
$164,900
151732
Charming (3) bedroom, (1) bath Adirondack Ranch in
excellent condition. Many up-grades and great location for
snowmobiling, (4) wheeling, 800 ft. away from boat launch.
$156,000
154920
151529
This property offers it all! Privacy, acreage, and a
Very attractive Victorian home. Very family
This Victorian has outstanding details - elegant wainscoting
beautiful contemporary home in a central location friendly, warm home. Kitchen has double wall oven in the dining room and stairways. Ornate columns, recessed
close to Canada, Plattsburgh, and Malone.
and has been updated with granite counter tops.
lighting, and vent-less gas fireplace on the 1st floor.
$259,900
155401
151759
156356
154063
Two unit home consisting of (2) two
bedroom, one bath units. Includes
15 mobile home slab rentals
$199,900
This land is a prime investment with multiple
possibilities. The Trout River runs through a
corner of the property.
$215,000
2577 Main St., Lake Placid (518) 418.2222 • 9 Raymond St., Malone (518) 314.0611 • 20 Miller St., Plattsburgh (518) 562.9999
10 • June 2016
Real Estate
Preparing your home for prospective buyers
Selling a home can be exciting. Homeowners who made
considerable financial commitments when buying their
homes may be anxious when
the time comes to get returns
on their investments, but
selling a hope need not be so
nerve-racking.
Buyers’ tastes often dictate
their interest in a home. For example, no matter how immaculate homeowners may keep
their colonials, such homes
won’t appeal much to buyers
looking for a traditional Cape
Cod cottage-style home. But
while you might not be able to
change your home’s architecture to appeal to the masses,
there are steps you can take to
make your home more appealing to buyers whose dream
home more closely resembles
your own.
n Address curb appeal.
Curb appeal goes a long way
toward creating a lasting first
impression, so homeowners can start by driving up to
their homes and looking at
them through the eyes of prospective buyers. Address the
landscape if it needs some
TLC, and power wash siding
if it’s appearing a little dirty.
Examine your driveway for
cracks and consider installing
a new surface if the existing
one is more of an eyesore than
eye-catching. Finally, clear the
yard of toys and tools before
nailing the For Sale sign into
the ground, as a cluttered yard
will give buyers the impression that you did not prioritize
keeping a clean and presentable home.
n Clear out the clutter.
Some sellers stage their homes
when putting them up for sale.
But staging might not be an option for sellers who are still living in their homes and intend
to do so until they find buyers.
If you can’t stage your home,
then do your best to remove
clutter, including extra pieces
of furniture you might have accumulated over the years that
can make rooms seem smaller. Box up any books that no
longer fit on bookshelves, and
try to keep common areas like
family rooms, hallways and
kids’ playrooms as open and
clean as possible so the rooms
appear roomy and relaxing.
n Let the light shine in.
Dark homes are less appealing
to prospective buyers, many
of whom have no interest in
living in caves that are void of
natural sunlight. When show-
ing your home, make sure all
of the curtains are drawn and
the blinds or shades are up. If
trees or shrubs outside windows are blocking natural light
from getting inside, consider
trimming them so your home
appears sunnier and more inviting. Bright homes tend to
feel more spacious, so fix any
light fixtures that need fixing
and even add small lamps in
rooms that could use some extra light.
n Tackle that to-do list. It’s
easy for a home’s residents to
grow accustomed to certain
minor problems, such as a
doorknob that always sticks or
a creaky kitchen cabinet door.
But buyers might be turned
off by too many of these minor
problems and wonder if any
larger and more expensive issues also went ignored. Before
showing your home, address
all those minor repairs on your
to-do list.
Selling a home can be exciting, and homeowners can take
steps to make sure their home
sale is successful and lucrative
as well.
METRO MEDIA
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Historic Brick Home
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5 Bedrooms, 2 baths plus 4 room in-law, office suite
or convert to 3 apartments 2959 Sq. Ft. 1.75+ acre lot
This stately brick home has been in the same family for approximately
70 years. It is ideal for extended family, with private entrance for
office, mother-in-law apartment or could easily be converted to 3
apartments. Also included on this lovely home are 2 car attached
garage, sundeck and two covered porches. Upgrades include double
thermal pane windows, generator, Harmond wood stove, three zone
heating and plenty of land for the garden enthusiasts.
For details and showing contact:
Steve – 518-521-7495 or parkstreetmanor16@gmail.com
June 2016 • 11
Real Estate
Who is responsible for repairs during a sale?
Metro Media
Many questions arise
during the home-buying
process. Buyers looking at
homes that require a good
deal of TLC may wonder who
is responsible for the home’s
repairs, particularly if such
repairs are needed to secure
a certificate of occupancy.
Depending on the situation,
there is no clear-cut answer.
There is no perfect home,
and things that are acceptable to the current owner
may not be acceptable to the
buyer who is looking to become the next owner.
The home-buying process
is typically a careful cooperation between buyer and seller to find a middle ground.
The buyer may have to make
some concessions, as will the
seller. Ultimately, it is this
cooperation that often determines if the sale goes through
or is terminated.
Before any negotiations
can begin regarding repairs,
it is advisable for a buyer to
have an independent inspector come out and look over
the home and property. Most
real estate agents will suggest
this be done as a first priority — even before a contract is
entered on the home.
An inspection will unveil
any potential problems in
a home and indicate things
that the buyer may not be
aware of, including items
that do not meet with code or
could be unsafe. An inspector also may point out problems that could cause a mortgage lender to give pause.
This may mean the lender
will deem problems unsafe
and refuse to fund the mortgage until repairs are made.
A copy of this inspection
report should be sent to the
home seller to review with his
or her attorney and real estate agent. The buyer working with his own real estate
attorney and agent can petition for certain repairs to be
made.
Many sellers will make
such repairs to ensure the
purchase goes through, or
they will accept a lower purchase price to compensate
for the needed repairs, which
the buyer will then make.
Buyers might want to hire a
good real estate attorney to
write clauses into the contract to protect their interests. This allows the buyer to
forfeit the sale and walk away
from the contract should an
issue arise.
The rules often change
when buying a home that is
a short sale or in foreclosure.
A home that is in distress
is typically in this situation
because the current owners
cannot afford to pay their
mortgage, and thusly, are not
able to afford repairs.
According to Think Glink,
a money-management website, buyers may try to negotiate repairs with the seller,
but they shouldn’t assume
that sellers (or lenders in
the event of a bank-owned
home) are responsible for the
repairs.
Generally speaking, most
short sales and foreclosures
are sold “as is” and may even
specify that repairs and requirements for the certificate
of occupancy are the buyer’s
responsibility. A buyer also can ask to have the home
price reduced to cover the repairs. But foreclosures are often already deeply discounted.
Buyers should know that,
for a home that is not in foreclosure, there are some repairs that should ultimately
be the responsibility of the
seller.
If these repairs are not
made, a buyer should think
strongly about walking away
from the deal, according to
Why6Percent.com, a real estate marketing site. Such re-
Interested in Buying or Selling
Your Property?
Call Jessica
Twyman at
BACKUS REAL ESTATE
pairs include:
n Lender-required repairs
that could impact home safety
n Leaky pipes
n Water penetration issues, including a bad roof
n Unsafe decking or handrails
n Wet basements or crawl
spaces
n Insecure foundations or
obvious structural damage
Northwood Blacktop Sealcoat
DRIVEWAYS / PARKING LOTS
• Sealcoating (2 coat application) • Pot Hole Repair
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Serving the North Country Since 1999
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518-353-3399 • 518-483-1006
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BackusRealEstate.com
n Poorly functioning sewer
lines or septic system
It is always advisable for
buyers to speak with a reliable real estate attorney and
a trusted real estate agent to
guide them through the process of buying a home. These
people can help buyers navigate the important decisions
that can affect the home
they’ll be living in for the next
several years.
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Attractive landscape designs
sell houses!
Give your home a selling edge with a pleasing front entrance.
The very first impression can make all the difference in how
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Add some brightly arranged baskets…plant a shrub…build
a new planting bed…or a install a new walkway and more.
Whatever the project, large or small, we are here to help!
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Route 11, North Bangor • 483-0354
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Planters • Stones • Bricks • Pavers • Mulch & Compost • Annuals & Perennial • Shrubs
12 • June 2016
Real Estate
Making the most
of home appraisals
Metro Media
When homeowners think
about renovating their properties, many first need to secure
some funding to finance such
projects. Some may tap into
the equity of their homes by
refinancing an existing mortgage, while others may apply
for home equity loans. Taking
the latter approach may require certain steps, including
an assessment of how much the
home and property is worth.
Home appraisals compare
your home to neighboring
properties to determine your
home’s current market value.
Homeowners can facilitate the
process by having certain information readily available for
the appraiser. When preparing
for appraisers, homeowners
should consider and collect the
following information:
n If your home was built on
the largest lot in the community.
n If you have made significant upgrades since it was last
appraised, such as installing a
new roof or siding. Don’t overlook smaller renovations, like
extra insulation added or sealing drafty windows, which can
increase a home’s value.
n Proof that you have used
sustainable resources or if you
participated in any energy-savings programs.
Naturally, any expansion
projects, such as adding another bedroom or extending the
footprint of the home, should
be mentioned.
A real estate appraiser is a
certified, licensed professional
who will do his or her best to determine the value of your home.
The appraisal provides banks
with information that can tell
loan officers if the house is
worth the loan amount. Expect
to pay a fee for the appraisal,
which is generally included in
your closing costs.
The appraiser gathers information for the appraisal report
from a number of sources, but
the process often begins with
a physical inspection of the
property, both inside and out.
He or she also will compare
your home against a few others
in the neighborhood, which
are known as comparables, or
comps. Appraisals will be based
on recent prices of comparable
properties as well as other factors.
Apart from the improvements done to the home, there
are other ways to get a higher
appraisal amount. The appraiser may consider the overall
maintenance of the home and
property.
It is wise to consider curb
appeal and ensure the home is
clean and maintained when the
appraiser arrives. Minor repairs
or common maintenance can
impress the appraiser. It may
be worth it to invest some more
money into the property before
having an appraisal done.
PROTECT YOUR MOST
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Featured Residential Listings
Constable-MLS#155072 - 3bed/1.5bath on
1.5ac.w/many new updates. Nice back lot
w/in-ground pool & hot tub w/pool house.
$99,000. Call Gene for a showing.
Constable-MLS#154658 - 3Bed/1.5Bath
home w/ many updates. New flooring
throughout the home. Nice sun deck in the
front. Priced to sell! $53,000. Call Travis.
Malone-MLS#155584 - 3Bed/1.5Bath older
style home. Hardwood & woodworking
throughout home. 8x14 heated greenhouse w/
water, gas fireplace, central air & forced air heat.
This home is a must see! $149,900. Call Doug.
Moira-MLS#144782 - 3bed/2bath dbl wide
that sits on .75ac. Well cared for w/ plenty of
updates, also has a 2100sqft bldg w/
basement that can sell w/ home. $74,000. Call
Gene.
Malone-MLS#153993 - Very well maintained
3bed/2bath home. Oak cabinets & plenty of
cupboard & counter space w/stainless steel
app in kitchen. Nice oversized insulated 1 car
garage w/covered deck. Must see to be
appreciated. $74,500. Call Travis.
Malone-MLS#154432 - Charming home w/
nice lrg corner lot on a dead end. 3bed/1bath
home w/ newer furnace installed in 2005. Lrg
sun filled porch off back of home and porch in
the front. Very nice quiet setting & plenty of
yard to play in. Don’t miss this home. $57,500.
Call Ed.
Brandon-MLS#-156529 - This 2016
singlewide 3bed/2bath home is in great shape.
Pressure treated deck w/ lrg storage building
w/ full basement. Owner says sell! $71,500.
Call Doug.
Chateaugay-MLS#152183 - This 3bed/1bath
ranch home on 10ac. w/ lrg open rooms and a
excellent view. Great hobby farm and 34x80
barn w/ 45 stalls & 2nd barn. $69,000. Call
Travis for details.
Brushton-MLS#156071 - 4bed/1.5bath home
in great structural condition w/ new furnace,
siding, windows etc. Needs some tlc in the
interior. Owners have priced to sell. $49,900.
Call Doug.
Malone-MLS#155302 - Very nice 2bed/1bath
ranch home located 5 miles from Malone w/
river frontage. Energy efficient & easy
maintenance. Separate man cave heated w/
monitor heat & is insulated. Gazebo & 2 sheds.
Great property at great price! $72,000. Call
Travis.
Malone-MLS#155780 - 3bed/2bath 2 story
home has had a lot of new updates done to
include driveway, front porch, flooring
throughout main floor, metal roof and etc.
Great buy at this price. $69,900. Call Doug.
Malone-MLS#148063 - Beautiful Raised
Ranch home w/ 3bed/2.5bath that sits on a
dead end street in a great residential neighborhood. New updates done and carpets taken
out of all bedrooms to nice hardwood floors.
$149,000. Call Doug for a showing.
Constable-MLS#153737 - 4bed/2bath home
sits on 2+ac. on a dead-end road. Frontage on
the Trout River and 2 car detached/attached
garage. Large rooms throughout home. Great
family room. A must see! $164,900. Call Doug.
OWNER SAYS SELL! Looking for privacy &
water frontage, this 4bed/2.5bath home offers
both, along w/ location on the Malone Golf
Course. Quality, location, and condition all
w/this property, even throw in the JD
tractor/mower/snow blower unit. PRICE
REDUCED from $379,000 to $299,000 for
immediate sale. Call Doug or Dan Clark.
Malone-MLS#153803
Older
style
4bed/1.5bath village home that is in great
shape. Hardwood floors & French doors in
living/dining area. Covered porch on the
backside of home. Home is in move in
condition in great residential neighborhood.
$79,500. Call Doug.
Cardinal
NORTH COUNTRY REALTY
Agency, Inc.
3415 Rt. 11, Malone • 483-0800
www.northcountryrealty.com
26 Elm Street, Malone • 518-483-2210
Doug Clark • 570-5698
Ed Legacy • 832-0616
djclark@northcountryrealty.com elegacy@northcountryrealty.com
Travis Legacy • 683-8151
Gene Bashaw • 483-5383
tlegacy@northcountryrealty.com gbashaw@king-clark.com
June 2016 • 13
Real Estate
Basic steps to help with approval for a mortgage
Real estate professionals say
the market is rebounding, and
many would-be home buyers
are eagerly awaiting their opportunities to purchase their
own homes. Fresh data indicates that the inventory of
properties is quickly drying up
and soon the market is poised
to point in the sellers’ favor.
Now could be the time to get
a good deal on a home, provided buyers are able to secure
mortgages.
No matter how many affordable homes are available,
if a buyer cannot get approved
for a mortgage, then his or her
chances of owning a home are
slim. In the wake of a tumultuous economy, many lenders tightened restrictions on
mortgage lending. And even
though the economy has rebounded, many lenders have
continued to follow strict
guidelines before lending
money.
Many things can impact a
mortgage application. Here
are the ways to overcome liabilities and improve your
standing with prospective
lenders:
n Know your credit rating.
Your credit rating is a score
that lenders rely on when deciding whether or not to approve your mortgage application. The higher the credit
rating, the more attractive you
look to prospective lenders. It
is vital to find out your credit
score. You can request a free
copy of your credit report,
which includes your credit
score, once a year from the
three major credit reporting
agencies: TransUnion, Experian and Equifax.
n Address any issues on
your report. Once you know
your score, you can take steps
to address any issues on the
report. Pay down revolving
consumer debts, such as credit
card balances and auto loans.
Report any errors so they can
be adjusted. Pay bills on time
and address any notices of collections before they make it
onto your permanent record.
n Maintain steady employment. Having a job is often
vital to getting a mortgage.
Lenders tend to look for longterm financial stability, which
is best illustrated by main-
Majestic
Historic Home!
You will delight in this wonderful historic home in the
village of Malone. Its many features include a fireplace,
beautiful hardwood floors, spacious and charming
rooms, including 6 bedrooms and 3 bathrooms, unique
Victorian built-ins, 3rd floor attic with cedar closet,
carriage house, “servants quarters”, and so much more!
New furnace and Monitor heater have been installed.
Property extends down to the Salmon River. This 3,000+
square foot home has been in the same family since 1938
and is being sold by the owner for $164,900.
Please call 483.1794 for viewing.
See more details at Zillow.com &
watch for our Open House.
taining steady employment.
Jumping from job to job may
be a red flag to lenders, so it’s
better to make a switch after
you have been approved for a
loan.
n Save, save, save. Having
more money in the bank lowers your loan-to-value ratio.
This will make you appear less
risky to lenders. Individuals
who have saved for a considerable down payment on a home
are also seen in a better light.
n Make sure you have a
credit history. Some people
are too cautious with their
credit and think closing accounts or avoiding credit entirely will make them more attractive to lenders. But lenders
will want to see a strong credit
history that indicates your
ability to pay your debts.
n Get a cosigner. If you are
uncertain about your ability
to secure a loan on your own,
then consider a cosigner to
make you more attractive to
prospective lenders.
Adirondack
Frontier
Realty
Broker/Owner
Cheryl McFaul
Commercial
Residential • Land
SELLING SEASON HAS ARRIVED!
Thinking about Selling or Buying a Hom
e?
518-521-3874
518
18 521 3874 • ax:518-521-3875
518 521 3875
38
13640 St. Rt. 30, Malone • cheryl_mcfaul@yahoo.com
14 • June 2016
Real Estate
A few ways to make relocating less difficult
Metro Media
People relocate for various reasons. Many relocate
for professional opportunities, while others relocate to
pursue their educations. And
while some may relocate to
enjoy a lower cost of living,
others may find themselves
relocating to satisfy their
sense of adventure.
Regardless of why a person
is relocating, doing so without preparing for the move
can make the transition that
much more difficult. According to data from the U.S.
Census Bureau, roughly 19
percent of the 35.9 million
people one year and over
who moved between 2012
and 2013 did so for a job-related reason. Relocating to a
new town for a job is different than moving from one
home to another within the
same community. Relocating to a new city or town can
be a life-changing event that
requires planning and maybe even a little luck to make
it work.
n Examine your finances.
Moving is expensive, and it
can be even more expensive
when moving to an entirely
new city. If you are moving to
pursue career opportunities
but don’t yet have a job offer in hand, examine your finances and work out a worstcase scenario in the event
that your job hunt takes longer than you hoped for. Unless you have a benefactor
who can help you pay your
bills and avoid debt while you
look for a job, make sure you
have several months’ worth
of living expenses saved up
before moving.
n Research the job market. Certain cities have more
opportunities for people in
certain fields than others,
so make sure the city you
plan to relocate to is a place
where you will have ample
opportunities in your chosen
line of work. Otherwise you
might find yourself settling
for a career you don’t like or
relocating again to a job market more accommodating to
someone in your field.
n Research the real estate
market. Before hitting the
road and heading for your
new home, research the real estate market in that area.
Try to find out the average
rental price via online forums or even online newspaper classified sections. Find
out if people tend to live with
roommates or go it alone in
METRO MEDIA
Planning and preparation can make relocation much easier.
ext
N
r
u
o
Y
e
s
i
Advert
Student debt keeps
some from buying
e
l
a
S
e
g
a
r
a
Washington Post
Nearly three-quarters of
people repaying student loans
say their debt is hindering
them from buying a home, according to a recent survey.
The National Association
of Realtors joined with the
nonprofit American Student
Assistance to conduct a survey of only those student loan
borrowers who are current in
their repayments and therefore mostly likely to be financially ready to make a home
purchase.
Seventy-one percent of
those surveyed said their student loan debt is delaying
them from buying a home.
More than half said they expect that delay to last longer
than five years.
the city you’re relocating to.
If you are moving to a city
where you know very few
people or no one at all, consider becoming someone’s
roommate. The right roommate can provide an instant
social network and help you
learn the ropes of your adopted home. If you plan to
live alone and rent, recognize that many landlords will
require a guarantor before
renting to tenants with no income.
n Don’t be shy. Unless you
are moving to a place where
you already have a built-in
social network, you should
expect to encounter some
loneliness upon arriving in
your new location.
Resolve to make the most
of all your new home has to
offer by joining a social organization, connecting with
your university’s alumni
group or volunteering with
local charities. If you have a
job lined up, sign up for company-sponsored outings or
teams.
Relocating can produce
mixed feelings of anxiety and
excitement. Planning ahead
and doing some homework
can help you as you transition to your new home.
G
ys
a
D
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,
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e
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5
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i
l
n
O
&
t
In Prin
for
only
$
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7
(50¢ for each
e.
additional lin
Prepayment
required)
483-4720 • classiied@mtelegram.com
with u
succe s for a
s
eventsful
!
Real Estate
June 2016 • 15
16 • June 2016
Real Estate
We make furnishing your
entire home easy with
12 Months
No Interest
Financing