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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 518-871-9040.
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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Susan Svoboda is one of The Top Selling Real Estate Experts™
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Welcome! Here You Can Find Great Information on Saratoga Springs, Schuylerville, Ballston Spa,Clifton Park, Wilton, Glens Falls, Greenwich, Cambridge, Galway, Rock City Falls, Burnt Hills and more locations in the capital district, Saratoga, Schenectady, Warren, Washington, Rennsselaer counties!  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Saratoga, Washington, Warren and Fulton county real estate market in this site. Need expert advice? No web site, large or small, can take the place of a 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. I have the experience and track record you are looking for. - Susan Svoboda
First Time Buyers >Credit Card Common Sense
If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.
People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.
Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.
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| Q |
What was the greatest land grant ever given to an English subject?
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| A |
William Penn arrived in October, 1682, to take over his enormous grant that later became Pennsylvania and Delaware.
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