Improve Your Credit RatingIf you are like most people who are interested in purchasing a home, you don’t have enough money in your savings account to cover the entire cost. As such, you will need to go through a lending institution in order to obtain the money you need to purchase your home. To ensure you get the best rate and loan possible, it would be a good idea to take steps toward improving your credit rating before you start looking into your loan options. While improving your credit rating is a process that needs to be completed over time, it really is easier than you might think to improve your credit rating. Whether looking at Maryland luxury homes or a condo in Ulster County, here are 5 tips for improving your credit rating before you purchase a home.

Tip #1: Review…

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When buying or selling a house, what is the number one most important thing that we all look at, the kitchen. The kitchen is the center of the home, the place where family and friends gather for food and drink or just conversation. Even if your kitchen is tiny and only three people can fit in it at a time, it is and always will be the heart of the house. 

When you choose to start a remodel on your home, consider starting with the kitchen, it will give you the most return on your investment. However, there are a few things to consider before you start. Look at the homes in your area, go to some open houses, consult a real estate agent on what houses are selling for before you begin. If houses in your neighborhood are selling without granite, stainless…

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 housing crisisAs banks are loosening credit, the housing crisis is expected to end this year, which is great news. This is due to the fact that mortgage lending has remained stable over the past three quarters, now in the forth, with the requirements of a credit score of 700. According to banks, they are now lending amounts up to 3.5 times borrower earnings, up from the low of 3.2 times borrower earnings. Banks are also loosening loan-to-value ratios, which Capital Economics denotes “the clearest sign yet of an improvement in mortgage credit conditions.”

With that said, if borrowing and credit conditions return to normal, maybe, just maybe, home sales will increase again!

Homes for sale!

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Just came on the market in Ulster County NY! A pristine raised ranch style home sits on a quaint and quiet tree-lined street in one of Uptown Kingston's well cared for neighborhoods. This home has been completely renovated with full attention to detail, including impeccable landscaping. Gleaming rich tiger wood flooring runs throughout the entire main level. A custom kitchen with granite and stainless appliances add to its elegance. A slate patio for barbeques and relaxing during the warm months leads to a level, landscaped fenced yard with an above ground pool. This home was meant to be enjoyed inside and out! New windows and heating and cooling system make this home energy efficient, the bill for an entire year was approximately $1,500! Don't miss…

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Ulster County Executive Mike Hein is proposing a property tax exemption for first time homebuyers who move into newly constructed homes or buy used existing or renovated homes.

Ulster County Executive Mike Hein wants to keep up the momentum, by keeping first time homebuyers on the Ulster tax rolls. He's proposing to cut their property tax levy over five years by fifty percent in the first year of a newly constructed home sliding down to a 10 percent savings in the fifth year, totaling on average, more than a $1,000 in savings. The same scale would exist for the value of improvements made to existing homes.

"This is hundreds and hundreds of dollars on an annual basis to people," said Hein. "That makes a difference in making a mortgage payment, it makes a…

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In a great location in Kingston, walking distance from the vibrant Rondout with all of its restaurants, unique boutiques and festivals you will find this 1875 Colonial on Spring Street. The workmanship that went into this home is just what you would expect from a house of this era, but also has generous sized rooms. Over-sized windows, 9.6' ceilings, leaded glass, hardwoods and original light fixtures all lend to its character.  There is a fenced blue stone patio to enjoy in those warm spring and summer months! If you are looking for a home in Kingston NY, do not miss out on this one of a kind! Call us for a showing today! 845.338.5252! More details of 50 Spring Street, Kingston, NY.
kingston real estate for sale     

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Looking for a quiet country retreat with all the conveniences of major amenities? This charming circa 1940 farmhouse on one half of an acre just came on the market. Listed at $169,900, this home is awaiting a buyer to come in and add new details and personal touches. The home has three bedrooms and a partially finished attic that could be used as a playroom, office or even an extra bedroom. The detached two car garage has electric, a loft, a patio in the back and a perfect space to build a great vegetable garden. 

This farmhouse is located in Hurley NY and the Hurley Rail Trail is only a mile from the property. The rail trail is a popular spot for biking, running or just enjoying a walk. 

hurley ny farm house  

Look at more details for 369 Old Route 209! Or call…

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Beautiful home just listed on Merritt Avenue in Kingston NY. Ranch style house, makes this true easy living, also it is minutes to everything! There is an attached garage, but also a separate garage for parking an RV. The kitchen has been tastefully redone with beautiful country style cabinets and stainless steel appliances. There is also a gorgeous stone fireplace in the living room area. The home is sited on a third of an acre, come check out this great Kingston home today!

For this listing and all others, please visit, or call us at 845.338.5252!

kingston home for sale 


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This Kerhonkson property shouldn't be missed! Situated on 3.90 acres of mature trees, green lawns, country gardens, stone walls and patio, this 1900 Farmhouse possesses character, but is waiting for your finishing touches. The home is being renovated, but was not completed and is currently on the market, being sold in "as is" condition. What is completed is a charming eat in kitchen with custom cabinetry and stainless steel appliances. The kitchen opens to the dining area which includes a pellet stove and sliding doors that lead out to a screened in porch. The living room has cathedral, beamed ceilings, including a large picture window overlooking the waterfalls. One of the baths was completed with oak cabinets a new shower stall. Two of the bedrooms have…

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If you are looking for a horse farm in a great area of NY, look no further. This 24.9 acre farm is located just three miles from the Village of Rhinebeck. The six stall barn that has a bathroom and heated tack room and almost all of the 24.9 acres are completely fenced. This property is beautiful with pastures and a spring fed pond and even a dressage ring.

Rhinebeck horse farm for sale

The house is a beautiful, classic colonial with three bedrooms and two and half baths. The living room, dining room is a beautiful combination with french doors out to a back deck. There is a gas fireplace for those cold nights and a country style kitchen with stainless appliances and granite counters.

Rhinebeck is a historic gem of the Hudson Valley. The quaint town has so much to offer…

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