About Clifton Park's Clifton Knolls

Josh Gonzalez a Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY 12065. Helping Buyers and Sellers alike throughout Saratoga County Upstate New York.

I have enjoyed more than 10 years of experience in the real estate and home-service industries. After 5 years of combined experience in working with Architects, Designers, Developers and Remodelers, I decided to fully engage my self in all aspects related to home ownership and earned my real estate liscense in 2005.

I then became a member of the Staten Island Board of Realtors (SIBOR). The past 10 years have provided me with an unparallel opportunity to service my clients with an uncommonly broad set of knowledge, skill and ability.

Josh Gonzalez a Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY 12065. Helping Buyers and Sellers alike throughout Saratoga County Upstate New York.

Although I've adquire the skill set and the business acumen to ensure the utmost level of service for every client, what truly separates me from the competition, is a relentless persuit to provide value behond real estate. My business is built on a solid foundation of attitude and aptitude. I continue to dedicate my self to finding new ways to best serve my buyers and sellers.

Josh Gonzalez a Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY 12065. Helping Buyers and Sellers alike throughout Saratoga County Upstate New York.

This dedication is demostrated by way of utilization of the latest trends in technology to better market your home. I have adopted an innovative approach to merchandizing a home's potential, the ability to convay accurate information, and a calculated eye on market trends as well as ruthless negotiation tactis to ultimately protect the financial interests of my clients. Whether you are buying or selling a home, please feel free to contact me with any and all concerns. The only silly question is one not asked.

Josh Gonzalez a Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY 12065. Helping Buyers and Sellers alike throughout Saratoga County Upstate New York.

Clifton Park Homes for Sale, Local Real Estate Agent. SCRABBLE® Night at the Clifton Park-Halfmoon Public Library - March 18th.

Come out for an evening of word-building fun playing Scrabble® with your friends and neighbors on Thursday, March 18 from 6:30-8:30 pm at the Clifton Park-Halfmoon Public Library. Anyone (ages 17+) is welcome to come. Light refreshments served.

Registration is requested for this program and can be made online, in person or by phoning the Library at 371-8622. To register online: Access the registration forms through the web calendar on Library website, www.cphlibrary.org. Click What's Happening, then Calendar of Events. Click on the date program will be held, register button will appear once registration commences. Register, then receive an email in response (if email address is provided) confirming status. Please contact the Library at 371-8622 with any questions about this process.

Clifton Park Homes for Sale, Local Real Estate Agent. SCRABBLE® Night at the Clifton Park-Halfmoon Public Library - March 18th.

Clifton Park Homes for Sale, Saratoga County Real Estate. NAR Lanches a new Web site for Home owners .Today the National Association of Realtors® launched HouseLogic, a new, comprehensive consumer Web site about all aspects of homeownership. HouseLogic helps homeowners make smart decisions and take responsible actions to maintain, protect and increase the value of their homes.

"Backed by the resources and industry insights of NAR and its Realtor® members, HouseLogic will engage and involve consumers throughout the lifecycle of homeownership," said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz. "It makes sense that, as the first, best source for real estate information, NAR should collaborate with today's consumers to help them make the most out of owning a home. HouseLogic will help us do that."

Clifton Park Homes for Sale, Saratoga County Real Estate. NAR Lanches a new Web site for Home owners. The free Web site helps homeowners plan and organize their home projects and provides timely articles and news; home improvement advice and how-to's; and information about taxes, home finances and insurance.

"Unlike other homeownership Web sites, HouseLogic helps consumers view their home through a financial lens and make smart, informed home improvement investment decisions," said Golder. "Families can set goals for saving money on their home or increasing its value, and easily track the progress they are making on those goals.

Clifton Park Homes for Sale, Saratoga County Real Estate. NAR Lanches a new Web site for Home owners. Registered users can save relevant information, create to-do lists and set project reminders. The Web site can also be customized for individual homeowners depending on how handy or ambitious they are regarding home projects; how much money they want to spend or save; where they live; and their priorities, such as increasing the value of their home or improving their neighborhood.

HouseLogic also empowers homeowners who want to get more actively engaged in shaping community life and advocate neighborhood and homeownership issues that matter most to them. The site provides users with the tools and know-how to effect change and address concerns, like establishing a neighborhood watch program, building a community playground, or participating in city or county planning efforts.

Clifton Park Homes for Sale, Saratoga County Real Estate. NAR Lanches a new Web site for Home owners. "For more than 100 years Realtors® have been bringing America home," said Golder. "HouseLogic takes owning a home to the next level, partnering with consumers to truly help people build their futures through homeownership.

The National Association of Realtors®, "The Voice for Real Estate," is America's largest trade association, representing 1.2 million members involved in all aspects of the residential and commercial real estate industries.

Clifton Park, Saratoga County Real Estate. New FHA Rules.

The Federal Housing Administration (FHA) has announced major changes to its program. The agency will increase the amount of upfront cash paid by new borrowers and require higher downpayments from those with the poorest credit.

Clifton Park, Saratoga County Real Estate. New FHA Rules. Upfront insurance premiums paid at the closing table will increase to 2.25 percent of the loan value, but buyers will still be able to finance the premiums. Borrowers with credit scores below 580 will be required to put at least 10 percent down, but home buyers with higher scores will still be allowed to put down as little as 3.5 percent. FHA also plans to reduce seller concessions from six to three percent of the home's value.

Clifton Park, Saratoga County Real Estate. New FHA Rules. These policy changes come on the heels of FHA's announcement in October 2009 that its capital reserve fund had fallen below the congressionally mandated level of two percent. Lawmakers believe these changes will help ensure the agency's financial soundness and fulfill its mission of serving borrowers not adequately served by the private sector.

Clifton Park Real Estate, Saratoga, Albany, Rensselaer, Warren and Washington Counties, Flood Bills are Being Fought. Officials in Capital Region counties said Thursday they will fight first-time ever bills they have received from the cash-strapped Hudson River-Black River Regulating District for the benefit of flood control.

The regulating district sent the bills after it lost $4.5 million, about 80 percent, of its income when a federal court ruled last year it could no longer tax the operating costs of power plants located at its dams.

"We couldn't get the money from the usual place. We had to do an appraisal to see who benefits,'' Glenn LaFave, the district's executive director, said Thursday.

Clifton Park Real Estate, Saratoga, Albany, Rensselaer, Warren and Washington Counties, Flood Bills are Being Fought. Albany, Rensselaer, Saratoga, Warren and Washington counties have been billed. Albany, Rensselaer and Saratoga counties plan to take action against the district's decision.

None of the counties have budgeted funds to cover the unusual payment demand made by the district.

"Under the fee schedule this district has contrived, Rensselaer County taxpayers would be required to send nearly $800,000 to the district to help fund their operation,'' County Executive Kathleen Jimino said.

"This is an expense we have never had to pay since the district began billing 85 years ago and I feel that under no circumstances should we have to pay now," Jimino said.

Clifton Park Real Estate, Saratoga, Albany, Rensselaer, Warren and Washington Counties, Flood Bills are Being Fought. The regulating district was created in the early 20th century as a flood-control project to halt the annual flooding of the Hudson River into riverside communities. The construction of dams stopped the flooding by creating the Great Sacandaga Lake.

The district has been unable to cover the school tax payments it usually makes. The district informed the Northville, Mayfield, Broadalbin-Perth, Wells, Edinburg and Hadley-Luzerne school districts that it could not make the September 2009 tax payments.

Clifton Park Real Estate, Saratoga, Albany, Rensselaer, Warren and Washington Counties, Flood Bills are Being Fought. Since then the district began exploring other revenue sources. The district board directed its staff in December, 2009 "to conduct the necessary studies to develop an apportionment based on flood protection for a supplemental 2009-2010 assessment in the Hudson River Area,'' according to a statement on the district Web site.

"Their idea of beneficial use is crazy,'' said Saratoga County Administrator David Wickerham, whose county received a bill of more than $1 million.

"I really question their authority to do it,'' Wickerham stated.

The district billed Albany County $1.7 million. This demand comes when the county is confronting a $25 million budget gap for 2011.

"We don't have $1.7 million. This is an expensive financial burden on county property taxpayers,'' said Mary Duryea, a spokeswoman for County Executive Mike Breslin.

Clifton Park Real Estate, Saratoga, Albany, Rensselaer, Warren and Washington Counties, Flood Bills are Being Fought. Officials in the various counties are consulting and their attorneys have been directed to take legal action.

LaFave said the counties could appeal the bills at the district's 10 a.m., March 30 appeals session at the Holiday Inn in Saratoga Springs.