realtor: Homes for Sale in Clifton Park NY. Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY. Things you should know about Debt Collectors CONTINUED... - 03/28/10 05:58 PM
Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 2 of 5


Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 2 of 5
5. How long does a delinquent debt remain on my credit report?
Delinquent debts remain on credit reports for seven7 years. Chapter 7 bankruptcies remain on credit reports for 10 years.
(0 comments)

realtor: Homes for Sale In Clifton Park, Josh Gonzalez a Local Real Estate Agent. Avoid Home Equity Loan and Refinancing Scams. - 03/26/10 07:03 AM
Homes for Sale In Clifton Park, Josh Gonzalez a Local Real Estate Agent.  Avoid Home Equity Loan and Refinancing Scams.
Home equity loan and refinancing scams can cost you more than money-these scams can cost you your house.

Scammers will often try to charge you for services they'll never actually perform. They may even use your personal information to commit identity theft. Image: Plattform/Getty Images
Refinancing a mortgage to a lower interest rate can make sense for some homeowners. So too can taking out a home equity loan against the value you've built up, perhaps to finance a kitchen remodel … (0 comments)

realtor: Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent. Start a Neighborhood Watch - 03/24/10 03:00 PM
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch
Organizing a neighborhood watch can bring you closer to your neighbors, improve community safety, and potentially boost home values.

Many police and neighborhood watch veterans believe that active watch groups can make a neighborhood more desirable, which could raise property values. Image: Eric Audras/Getty Images
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch
When your neighbors tell you a bike was stolen from their garage or an elderly woman had her purse snatched, you just shake … (0 comments)

realtor: Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent. Start a Neighborhood Watch - 03/24/10 02:59 PM
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch
Organizing a neighborhood watch can bring you closer to your neighbors, improve community safety, and potentially boost home values.

Many police and neighborhood watch veterans believe that active watch groups can make a neighborhood more desirable, which could raise property values. Image: Eric Audras/Getty Images
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch
When your neighbors tell you a bike was stolen from their garage or an elderly woman had her purse snatched, you just shake … (0 comments)

realtor: Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent. Fight Foreclosures in Your Community. - 03/24/10 02:44 PM
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community.
Even if you're current on your mortgage, nearby foreclosures can affect your community through lower property values, higher crime rates, and lost services.

Foreclosed houses are often targeted by vandals, squatters, and thieves--which could drive out a neighborhood's residents and cause property values to plummet. Image: HUD
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community.
If you think your neighbor's foreclosure doesn't impact you, think again. According to a Center for Responsible Lending report, … (0 comments)

realtor: Clifton Park Homes for Sale, Saratoga County Real Estate. Why are you apologizing? - 02/25/10 07:56 AM

Clifton Park Homes for Sale, Saratoga County Real Estate.  Why are you apologizing?
I don't understand blog posts, emails and other messages that begin with an apology.
If you're sorry to interrupt me with that spam,don't send it. 
If you know that yet another blog post on a topic that's not of interest to your readers will annoy them, don't post it.
If you're in HR and you know that no one in the office is going to read your office-wide spam about yet another inane meeting, don't bother us.
On the other hand, if it's important, if it needs to be … (0 comments)

realtor: Clifton Park Real Estate, Realtors Uniting for Haiti. - 02/15/10 03:10 PM
 

Clifton Park Real Estate, Realtors Uniting for Haiti. 
The Haitian earthquake disaster prompted humanitarian outreach efforts all across the globe. NAR's Realtors® Relief Foundation is contributing $550,000 to relief of victims of the Haiti earthquake, and is calling upon its 1.2 million members to help.
Part of the contribution came from Lowe's, a partner of NAR's REALTOR Benefits Program, who donated $100,000.
Clifton Park Real Estate, Realtors Uniting for Haiti.  $50,000 will go to the Harvest of Haiti program, which was founded by a 2007 REALTOR® Magazine Good Neighbor Awards winner, Patrick Moore. The program supports orphans, delivers clean … (0 comments)

realtor: Real Estate Market surge in most states, finishing strong last quater. Prices are up in other areas. - 02/11/10 02:23 AM

Real Estate Market surge in most states, finishing strong last quater. Prices are up in other areas.  Strong gains in existing-home sales were the predominant pattern in most states during the fourth quarter, with many more metro areas seeing prices rise from a year earlier, according to the latest survey by the National Association of Realtors ® .
Real Estate Market surge in most states, finishing strong last quater. Prices are up in other areas.  Sales increased from the third quarter in 48 states and the District of Columbia; 32 states saw double-digit gains. Year-over-year sales were higher in 49 … (2 comments)

realtor: Realtors embrace the internet as a marketting tool. Buyers are searching online. - 01/29/10 04:45 PM
Realtors embrace the Internet as a marketing tool.  At the beginning of the 21st century, most home buyers had never viewed a home online; the three top home sale marketing methods were yard signs, newspaper ads and open houses; and nearly nine out of 10 buyers financed their purchase with a fixed-rate, 30-year mortgage. What a difference a decade makes.  Buyers are searching online.
"The real estate industry has seen tremendous change and evolution over the past decade," said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz.  Realtors embrace the internet as a marketing … (5 comments)

realtor: Curb appeal and home improvements prove to be a move in the right direction. - 01/29/10 04:16 PM

    Curb appeal and home improvements prove to be a move in the right direction.  Despite a slow market and a slight decrease in the resale value of most remodeling projects, Realtors® report that the smartest home improvement investments may also be some of the least expensive. Results from the 2009 Remodeling Cost vs. Value Report show that small-scale exterior projects are the most profitable at resale, according to estimates by Realtors® who completed a recent survey.
    Curb appeal and home improvements prove to be a move in the right direction.  On a national level, eight out of the top 10 projects … (2 comments)

realtor: December Existing-Home Sales Down but Prices Rise; 2009 Sales Up. - 01/27/10 03:32 PM
For all of 2009 there were 5,156,000 existing-home sales, which was 4.9 percent higher than the 4,913,000 transactions recorded in 2008; it was the first annual sales gain since 2005.
After a rising surge from September through November, existing-home sales fell as expected in December after first-time buyers rushed to complete sales before the original November deadline for the tax credit. However, prices rose from December 2008 and annual sales improved in 2009, according to the National Association of Realtors®.
Existing-home sales - including single-family, townhomes, condominiums and co-ops - fell 16.7 percent to a seasonally adjusted annual rate1 of 5.45 … (0 comments)

realtor: The National Association of Realtors® Partner with National Community Stabilization Trust to Revitalize Neighborhoods Wracked by Foreclosures - 01/27/10 03:07 PM

The National Association of Realtors® has joined forces with the National Community Stabilization Trust to help rebuild American communities devastated by the foreclosure crisis.
The collaboration will bring Realtors and the more than 1,400 state and local Realtor® associations into a side-by-side relationship with leading national nonprofits, as well as with state and local leaders, to develop comprehensive and targeted plans to rebuild communities. The partnership was made possible by the new federal Neighborhood Stabilization Program, which provides $6 billion to reclaim neighborhoods wracked by high levels of foreclosed and abandoned property, property disinvestment, extremely low prices and low resident … (0 comments)

realtor: NAR Contributes $550,000 to the relief of victims of the Haiti earthqake. - 01/26/10 04:04 PM

The REALTORS® Relief Foundation of the National Association of Realtors® is contributing $550,000 to the relief of victims of the Haiti earthquake, and is calling upon its 1.2 million members to help.
"Realtors® help build communities and there is no better time than now to do that in Haiti," said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz. "Our thoughts and feelings go out to the people made homeless by this disaster. Realtors® have a history of helping people, as we did after the 2004 tsunami struck South Asia and in 2005 when … (5 comments)

realtor: Our local market is on the rise. - 01/25/10 04:36 PM
Fueled by a recovery in the second half of the year, statewide sales of existing single-family homes in New York State rebounded from a double-digit deficit in the first half of the year to finish only 3.2-percent behind the 2008 total. According to preliminary existing single-family sales data accumulated by the New York State Association of REALTORS, 77,176 homes were sold statewide during 2009. 
"As 2009 progressed, the combination of the federal first-time home buyer tax credit, historically low mortgage rates and moderating prices resulted in New Yorkers gaining confidence about it being a good time to buy a homein the … (3 comments)

realtor: Working With A REALTOR (Sellers) - 01/24/10 02:14 PM
Sellers benefit from using a REALTORAccording to the National Association of REALTORS the median home price for sellers who use a licensed agent is 16 percent higher than a home sold directly by the owner. Selling a home is a complex transaction that takes time, effort and expertise.

A REALTOR can help set a realistic competitive price for the seller and figure the approximate net proceeds for the sale based on types of loans, the seller's outstanding loan balance and closing costs. A REALTOR is familiar with the local home loan market, knows if seller assistance is advisable and can … (3 comments)

realtor: Working With A REALTOR (Buyers) - 01/24/10 01:22 PM
REALTORS are licensed real estate professionals who are members of the National Association of REALTORS, the New York State Association of REALTORS and their local board or association of REALTORS. They must abide by a strict code of ethics, and their job is to ensure you get what you need throughout the entire home buying and selling process.
For more information on what a REALTOR can do for you contact a local board or association of RELATORS in your area, or seek a referral from a reliable source.  Not all real estate brokers and agents are REALTORS. Look for the REALTOR "R" when … (0 comments)

realtor: First Time Home Buyers set a new record. - 01/20/10 06:08 PM
First-time home buyers reached the highest market share on record during the past year, according to the latest consumer survey of home buyers and sellers. The study was released November 12th at the 2009 REALTORS® Conference & Expo. The 2009 National Association of Realtors (NAR) Profile of Home Buyers and Sellers is the latest in a series of large national NAR surveys evaluating demographics, preferences, marketing and experiences of recent home buyers and sellers. Among national surveys, NAR's Profile of Home Buyers and Sellers is unprecedented in size and scope. The number of first-time home buyers rose to 47 percent of … (7 comments)

 
Josh Gonzalez (Coldwell Banker Prime Properties)

Josh Gonzalez

Clifton Park, NY

More about me…

Coldwell Banker Prime Properties

Address: Parkwood Plaza, 1754 Route 9, Clifton Park, NY, 12065

Office: (518) 640-4203

Fax: (518) 383-6225



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