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, REALTOR®, 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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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Lorraine, a proven Guilderland, Niskayuna and Schenectady, New York NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Guilderland, Niskayuna and Schenectady Homes - Find Guilderland, Niskayuna and Schenectady, New York real estate listings & homes for sale provided by Lorraine, your local expert real estate agent.

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  • Guilderland, Niskayuna and Schenectady Information - Find local information on Guilderland, Niskayuna and Schenectady, New York including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Lorraine, a proven NUMBER1EXPERT™ Top Selling real estate agent.

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  • About Lorraine - Information about Lorraine including testimonials, guarantees, credentials, and contact information. Learn why Lorraine is a proven Guilderland, Niskayuna and Schenectady, New York NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Real Estate Trivia
Q 
What does the term Curb Appeal mean?

A 
This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Lorraine Thorne, REALTOR®, 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.

CRSEqual HousingMLSREALTORwcr


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