adirondack real estate: 12 Nichols Rd. West Chazy NY, 12992 - 06/03/14 05:38 AM
Double Wide - Financing Available



adirondack real estate: a pretty website won't get you leads - 09/03/08 05:43 AM
I got a pretty website that I thought would really produce a lot of business for me. I thought that the fact that there are 18 lead capture forms on each page that it would naturally collect a lot of leads. I was sold on the site by the things that the sales rep told me; most of which ended up not being true.
I purchased my site from Superior Internet Solutions around 4 months ago and so far it has collected around 7 leads total. Not terrible I guess but I was expecting more. I thought that I would be … (14 comments)

adirondack real estate: Are you shopping rates or are loan sharks shopping you? - 06/06/08 08:57 AM
Shopping for an interest rate is one of the absolute worst ways to shop for a mortgage. The really funny part in saying as much is that people become sceptical when it comes to a Mortgage Professional saying that shopping for an interest rate is the worst way to go. The irony here is that a dishonest loan officer will jump at the chance to offer you a below the bottom interest rate that does not really exist for your situation and a Mortgage Professional will tell you the truth.
The truth is that I can no more quote an interest rate … (2 comments)

adirondack real estate: Country Wide is not out of the woods yet! - 05/05/08 02:30 PM
Country Wide is Back in the News...And this time they have not come out to deny that they are in serious hot water as it seems to be their customary policy. This time it appears to be 100% true. If you haven't read, the CW Giant has just written down more losses; it seems that they have found themselves in a siutation in where they owe more debt than they own in value of performing assets! What's worse is that a few of the portfolios of assets that they are counting toward their performing assets are questionable at best.Bank of America is … (4 comments)

adirondack real estate: What about when the buyer agrees with the seller on price? - 05/01/08 06:14 AM
I have seen a lot of posts here on AR complaining about sellers who just won't lower the price of their home even when buyers are not biting. I have also seen complaints around the web here and there about appraisal issues killing deals.
Most often though it is refinance deals that an appraisal condition may kill. I have run into a first time issue for me... I have a seller who wants to sell his home for $335,000.00 and a buyer who wants to buy it. The buyer does not have any complaints about cost of the home.
I have always been … (15 comments)

adirondack real estate: My Review of Search Marketing, LLC - 04/30/08 06:49 AM
As the company refers to itself...
I have a Search Marketing, LLC. blog located at
When I first set up my own blog I was not sure where to go or which platform to use. I looked around for a while until I found I read their claims and I became interested in their "vertical directories".
Their "vertical directories" really do work! They are actually pretty simple in the way that they work... All they really are, are blogs that are set up so that when you post a new entry on your own blog and select a category your post … (2 comments)

adirondack real estate: Hey, What's Your Problem Coldwell? - 04/15/08 02:51 AM
I don't know what the deal is with Coldwell Banker. One of my colleagues here in my office recently handled the financing for her friend on the purchase of a new home. The agent on the other end of the transaction was a Coldwell Banker Realtor®. That Realtor® actually recommended to my colleagues client that she go to Wells Fargo for financing.
Of course the person making the purchase is friends with my colleague and did not budge... From what I hear the agent was putting quite a lot of pressure on my colleagues client to go to Wells Fargo to get approved. … (8 comments)

adirondack real estate: Title Matters - 03/20/08 06:08 AM
It's hard to find a title company that is both fast and responsive. My company has an affiliation with New York title out of Long Island (as of very recently). We send them a bit of business and there service is excellent. It does not matter if it takes me 9 days to get title back on a purchase transaction (in most cases) because I can order it right away and have it in plenty of time for the average purchase transaction (just got CTC in 5 days on one, but that will be another post).
I am not sure how all of … (3 comments)

adirondack real estate: 680 for 100%, FHA finally has a true purpose... - 03/04/08 07:18 AM
And what I mean by that is that FHA is not some kind of a spectacular loan program. It is very useful in certain situations, but most often the best way to go is conventional if you qualify. Conventional offers the best rates and terms avaiable which is why it is reserved for those with good credit and income qualifications.
I get people coming to me all the time who have been sold by someone who later denied them on an FHA program. Sometimes the person coming to me is qualified for conventional financing, and I ask them "why FHA". I usually … (6 comments)

adirondack real estate: Do business with me and get a 3 day 2 night getaway for free! - 02/27/08 02:35 AM
Maybe, I haven't decided yet. I am working on a transaction with a high profile agent in the Plattsburgh, NY area; Andre LaFountain. Andre is a smart cat, he is heavily imbedded in real estate but he also has a few things producing additional income for himself on the side.
Andre has approached me about a travel agency opportunity. I am not sure of the details or of the pay structure. I do know that the business model is MLM. I'm not sure that is enough to disqualify it from being a legitimate opportunity. Of course, I have something else in … (7 comments)

adirondack real estate: THAT IS HUGE! - 02/22/08 07:05 AM
Organization is crucial. This thought came to mind as I was organizing and sorting my email. I must've had about 200 emails still in my inbox. I use outlook to sort my email into folders. I keep everything, because I never know when I may need to reference it again. You know the old saying right? "If it ain't in writing it ain't".
As I sorted through my email I starting thinking about how many more prospective buyers I can turn into closed transaction with a more efficient system of organized follow up. I follow up regularly with all of my clients, … (0 comments)

adirondack real estate: No Closing Cost++ Home Refinance Loan! - 02/21/08 06:40 AM
"No Closing Cost++ Home Refinance Loan.Call Today to Combine Mortgage and Debt."
I found this enticing headline today on a one of countrywides websites. This cracks me up because I have been talking about this for some time. It makes me wonder though, if it is presented this way is the consumer happy when they get to the table?
I give quotes to people everyday and I always hear "hmm... your closing costs seem high" and it no longer blows me away when I hear this statement. My closing costs are very low compared to what I have seen out there and I … (8 comments)

adirondack real estate: John Murphy - 02/21/08 02:38 AM
Just as I was writing my last post about the fact that referral business is far superior to internet leads I got a call from John Murphy with a referral. He said that the person whom he sent to me left a message for me. I am not sure which phone she called. I don't recall receiving a call from her on my office phone and I am guilty of not checking my cell phone messages as much as I should.
John gave me her phone number and I just gave her a call. She was inquiring for her son and daughter in … (7 comments)

adirondack real estate: Referral Ping Pong - 02/21/08 02:20 AM
I received a referral from Kathy Bennett of Re/Max North Country a few days ago. I am working on the loan file now and it is a go. A couple of days later I had the opportunity to send someone her way. Then I had another opportunity to recomend her and I did. This morning I received a call from someone whom Kathy had referred to me. If you need property in or around Plattsburgh, NY go to Kathy Bennett. She is the best in the area!
John Murphy of North Country Realty is a great guy to work with. He is never pushy and always … (2 comments)

adirondack real estate: Keep At It! - 02/21/08 01:39 AM
I feel that my efforts are really beginning to pay off. That being said I have had a very rough month this month. Forever I have been seeing the media paint a devastating picture of the housing crisis and credit crunch. I saw all of the media, but I felt inwardly that it did not matter as it does not affect me. I know that certain markets are suffering because of some poor investment choices that investors in those regions made.
The Power Option ARM created a lot of buying power for individuals who were banking on the continuation of a Fluffed … (0 comments)

adirondack real estate: How FSBO's can make you a fortune! - 02/13/08 05:07 AM
 I never really got the point of marketing to FSBO's until recently. I know that it makes great sense for Realtors and real estate sales people to market to FSBO's, but why would a mortgage pro do such a thing?
After hours of brainstorming last night I think that I have come up with a good reason to market the FSBO arena.
For me the properties are an integral part of my buyer lead generation efforts. As Chris Bates says "use the homes to do more loans". I am finding this to be true; the more buyer prospects that I am able to … (9 comments)

adirondack real estate: Associations... Can we be friends? - 01/18/08 01:58 AM
I love AR and the community. You guys aer great, and I love the platform. Whether it be through referrals or advice AR has helped me improve my business and my practices. I have gotten many great and inspiring ideas from many of you!
My thanks go out to all of you!
What I would like to know though is how to get more associations. I am just not sure how the whole asscoiation thing works. I currently have 11 associates but I have associated myself with many more people than that.
I understand that there may be some sort of action required from intended … (0 comments)

adirondack real estate: Swimming with the sharks... - 01/17/08 01:10 AM
Rates are low. low, low!
Rates are low, as low as they were in 2004 when I began my career. Refinance applications are up and so we (company and I) decided to start purchasing leads. Wow, what a shift in gear working Internet leads is from working referrals.
Sleazy sales tactics...
Is what I am up against. The thing with Internet leads is that most people shopping on the Internet have filled several forms with several "Comparison Shops" like and
I am not really enjoying the quality of these leads as I have noticed that while the sneaky lender's out there low-ball … (3 comments)

adirondack real estate: What's time blocking again?... - 01/14/08 04:35 PM
I have begun something new at work and it is working great. I have begun writing my goals for the week and posting them up on the wall by my desk. This week I had 7 immediate goals and as of today I have accomplished 5 of them. We all have our daily tasks and it is easy to forget very important things that we need to get done.
Committment the goals... Read More

adirondack real estate: The State of Plattsburgh. - 01/14/08 04:31 PM
The State of the City of Plattsburgh:
I've really come to fall in love with the real estate that I have come across in the Adirondacks. I live in Plattsburgh, NY near the tip of the Adirondacks. I am from the area originally, I moved away for a while to get some experience behind me. The only real draw-back to Plattsburgh is that the demographic is... Read More
This of course came as a shock to my colleagues and I as we are putting up near refi-boom level numbers. Still I guess I can see the evidence of it as more and more … (4 comments)


Christopher Ohlsen

Malone, NY

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Credit Werx, LLC.

Address: 23 Durkee St. Suite A, Plattsburgh, NY, 12901

Mobile: (518) 565-0799

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