• Greater Binghamton Office
    (607) 757 2100
  • Penn Yan Office
    (315) 536 7456


Finding a Good Deal on a Home


Finding your home sweet home is a process that begins with knowing your credit score, finding a lender, and getting pre-approved for a mortgage. One surefire way to ensure your credit score is acceptable is maintaining a low debt balance―it should be no more than 30% of your available credit limit. Getting pre-approved for a mortgage puts you at an advantage because it means that the lender is confident you can make the necessary payments. Use your realtor as a resource to establish what your loan options are and then connect with a lender that fits you.


Once you find a potential home, it’s crucial that you play detective―Nancy Drew style. Appraise, investigate, and look for red flags. Is there wood in the living room that’s starting to rot? Are the railings on the porch or the stairs a little bit wobbly? Note these things so they can be fixed before you move in. If not, you may be stuck cleaning out the gutters on day one. It’s also a good idea to ask for an inspection on the house just in case there are any issues that only a professional could see. Always keep in mind the home’s resale value, because the resale value of your first home can predict what kind of house you can buy the next time around. Hoggard says, “I not only want to help you find your next house, but I also want to help you sell this house. So, I’m very clear about which properties are going to be smarter, or could be mistakes later on when it comes to resale.”

Home Owning Intensive: Why to Buy

Are you thinking of buying a home? Do you sometimes find yourself adrift at sea oscillating between that dream and keeping your roommate forever because just maybe renting is ultimately easier than buying? Think again. What are the benefits of buying a home, you ask? Immediate membership perks include:

    • Pride of ownership
    • Privacy
    • Stability
    • Mortgage deduction on taxes
    • An opportunity to build wealth and equity

If any of this sounds enticing, you’re in the right place. The “rent vs. buy” debate most twenty and thirtysomethings have during their Bloody Mary-infused brunches is inevitable. If you haven’t been there, the day is fast approaching. So, in between nibbling on some pickled olives and dreading the return to your roommate-infested apartment, consider the following perks of packing up and moving into a place that’s yours and yours alone.

Buying a home is an opportunity to build equity.

How to Build A Winning Home Buying Team

Buying a home is a huge milestone – especially if you are buying for your first time.
Although buying a home is exciting, there is a lot to keep track of and manage. It’s imperative to have a solid team behind you. Aside from having an excellent real estate agent to guide you through showings and the closing process, there are other essential people that you should have on deck.

Meet your home buying team:

1. Real estate agent:Your agent will help you research the homes that cater to your needs, negotiate with the seller, and help you find the rest of your home buying team.