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Lorraine Thorne is one of The Top Selling Real Estate Experts™
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Lorraine Thorne, REALTORŽ, real estate agent and broker for Guilderland, Niskayuna and Schenectady New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Associate Broker
Among the TOP SELLING AGENTS
in the Capitol Region

Welcome! Here You Can Find Great Information on New York Real Estate in the Albany, Schenectady & Saratoga Regions.

"Put a Thorne ON your side"
with the
"Thorne Team"

LThorne@CBPP.com
(518)640-4728 Direct
1-866-784-4244 Toll Free

Coldwell Banker Prime Properties

Looking for homes in the Albany, Schenectady or Saratoga County regions? Search everything the web has to offer, right here! Don't miss my Feature Homes.

I am a member of the A-1 Relocation Team and can help you find a home anywhere in the country.

Need local real estate information? I've summarized much of what is important about the Albany, Schenectady & Saratoga real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a Top Agent in the New York Capitol District area, I have the experience and track record you are looking for. Please let me help.

Let me give you a few important statistics.

Average Selling Price:
MLS $187,886
Thorne Team $232,831

Percentage of Listings Sold within 12 Months
MLS 67.2%
Thorne Team 97%

Average # of Days to Sell Listings
MLS 52
Thorne Team 40

List-Price to Sale-Price Ratio
MLS 96.49%
Thorne Team 95.16%

Lorraine Thorne

School Reports in Guilderland, Niskayuna and Schenectady, New York

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New York Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Guilderland, Niskayuna and Schenectady

Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Q	What is the most unusual maintenance project done once each year in the United States?
A	The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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Lorraine Thorne
Coldwell Banker Prime Properties
1760 Union St.
Niskayuna
N.Y. 12309
Phone: (518)640-4728
Fax: (518)836-0237
Email: LThorne@cbpp.com

Lorraine's goal is to provide honest, directed customer service that permits each client to satisfy their objective. Because of our team approach, Lorraine is able to provide unparalleled responsiveness on behalf of buyer and sellers alike.

CRS Equal Housing MLS REALTOR wcr

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Associate BrokerAmong the TOP SELLING AGENTS in the Capitol Region