Guilderland, Niskayuna and Schenectady real estate and homes for sale in New York - Lorraine Thorne, REALTOR® Lorraine Thorne REALTOR(r) for Guilderland, Niskayuna and Schenectady, New York real estate - NUMBER1EXPERT™ Lorraine Thorne NUMBER1EXPERT(tm) for Guilderland, Niskayuna and Schenectady, New York real estate, residential retail, luxury homes

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Lorraine Thorne, REALTORŪ, real estate agent and broker for Guilderland, Niskayuna and Schenectady New York home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me:(518)640-4728.


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Lorraine Thorne is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Guilderland, Niskayuna and Schenectady New York home buying, real estate listings, and homes for sale in Schenectaky County, NY
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"Put a Thorne ON your side"

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

"Put a Thorne ON your side" 

Lorraine Thorne
LThorne@CBPP.com
(518)640-4728
 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Albany, Saratoga and Schenectady County real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Accepting An Offer >Purchase Negotiations

If you are selling your home, you should be prepared for the day your first offer comes in. When your real estate agent calls to say there is an offer on your home, you will naturally get excited. When your agent describes the offer, you will probably experience an adrenaline rush. Whether the offer is good or bad, you should just remain calm--and discuss a counter-offer with your agent. The negotiations of a purchase begin with the buyer's ideal terms and a counter offer that communicates the seller's ideal terms.

A good agent will look beyond the price when evaluating an offer. If the buyers' financial qualifications are shaky or the offer includes potentially problematic terms or conditions, your real estate agent should be there to minimize any risk to you and to address these items in your counter-offer. Your agent's job is not to make a decision for you, but to be sure that you understand fully what the offer includes and what is expected.

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Real Estate Trivia
Q 
Where are the highest median price homes in the United States currently located?

A 
According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Lorraine Thorne, REALTORŪ, real estate agent and broker for Guilderland, Niskayuna and Schenectady New York home listings, property and land for sale - NUMBER1EXPERT(tm)

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.

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