159.1 acres on Reber Rd in the Town of Willsboro are available for your purchase.  This parcel of land consists of approx. 147.4 acres in Willsboro and approx 11.7 acres in the neighboring town of Lewis and borders the cliffs of Sugar Loaf to the north in Willsboro and Francis Pond Rd to the south.  You'll see breathtaking views of the surrounding Adirondack Mountains while hiking this vast land.  Call Richard Yeager at 518.963.8181 for more information.

Totally renovated original log home on a secluded lot. Close to Garnet Lake and Gore Mtn Ski Area. The 

home was originally built as a loggers home in 1940 & totally rebuilt by the present owner. Home has a seamless metal roof, 2nd floor was added, rechinking of original logs, upgraded electrical, plumbing and septic.An additional 6.86 acres available for $70K.

Nice property with great potential. Walking distance to the Hudson River and only five miles to Gore Mountain Ski Area. Ideal spot to build your own retreat.

Should You Move or Improve?

Whether to move or improve is a harder question to answer than it was a few years ago, but a few cost-benefit calculations can help you make the right decision. Read

Budget for a Remodel

To calculate how much remodel you can afford, follow these four steps: Ballpark the cost, establish a spending limit, make a wish list, and set your priorities. Read

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

If you have not owned a home in three years, you qualify as a first time home buyer. If you buy a home after April 9, 2008 and before July 1, 2009, you qualify for this credit. Call your friends who just bought a home since April 9th and tell them they may take $7,500 off their tax bill if they qualify. It has to be your principal residence, so rentals do not count.

The tax credit is 10% of the cost of the home, up to a maximum of $7,500. This is not an additional deduction that lowers the amount of income to be taxed, it is a tax credit. In other words, you take $7,500 off your tax bill. But there is a catch; the credit you receive now is actually an interest-free loan that must be repaid.

The loan has no interest, and will be paid back over 15 years. You get the credit on your 2008 taxes, but you start paying it back on your 2010 taxes that are due in 2011, so you get at least two years without a payment. You pay back 6.67% of the credit each year, so for a $7,500 credit the payment is $502.50 per year. If you stay put for 15 years, you pay it off with no interest.

What happens if you sell the house? You pay the balance back at the closing. So, you get $7,500 now, and pay the rest of it back if you make money on the sale of your house. What happens if you do not make enough money when you sell your house? They forgive the rest of the debt.

Other restrictions stipulate that you have to buy your first house in three years before July 1, 2009, not have super high income, not use bond financing and buy anywhere in the US.

If you'd like to learn more about this program, please call me!