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<div id="post-501" class="post-501 post type-post status-publish format-standard hentry category-announcements tag-buy-real-estate-in-saratoga-springs tag-capital-region-real-estate tag-doctor-loan tag-no-mortgage-insurance tag-saratoga-springs-2 tag-scott-varley-team" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2014/02/18/warning-htmlspecialchars-function-htmlspecialchars-charset-utf-7-not-supported-assuming-iso-8859-1-in-homescottvapublic_htmlblogwp-includesformatting-php-on-line-2751warning-htmlspeci-2/" title="Permalink to The Doctor Loan for Saratoga home buyers" rel="bookmark">The Doctor Loan for Saratoga home buyers</a></h2>

<div class="entry-meta">

<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

<span class="meta-sep meta-sep-entry-date"> | </span>

<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2014-02-18T12:55:39+0000">February 18, 2014</abbr></span>

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<div class="entry-content">

<p>If you are a doctor in the Capital Region and looking to buy real estate, we have got a deal for you! One of our local banks is offering The Doctor Loan, a program for doctors looking to buy real estate in Saratoga Springs or anywhere in the</p>

</div><!-- .entry-content -->

<div class="entry-utility">

<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/announcements/" title="View all posts in Announcements" rel="category tag">Announcements</a></span>

<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/buy-real-estate-in-saratoga-springs/" rel="tag">buy real estate in saratoga springs</a>, <a href="http://www.scottvarley.com/blog/tag/capital-region-real-estate/" rel="tag">capital region real estate</a>, <a href="http://www.scottvarley.com/blog/tag/doctor-loan/" rel="tag">doctor loan</a>, <a href="http://www.scottvarley.com/blog/tag/no-mortgage-insurance/" rel="tag">no mortgage insurance</a>, <a href="http://www.scottvarley.com/blog/tag/saratoga-springs-2/" rel="tag">saratoga springs</a>, <a href="http://www.scottvarley.com/blog/tag/scott-varley-team/" rel="tag">Scott Varley Team</a></span>

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<div id="post-497" class="post-497 post type-post status-publish format-standard hentry category-announcements tag-9-cowles tag-hudson-river tag-lake-luzerne tag-waterfront-home" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2013/11/21/9-cowles-dr-offers-waterfront-hudson-river-living-lake-luzerne/" title="Permalink to 9 Cowles Dr. Offers Waterfront Hudson River Living in Lake Luzerne" rel="bookmark">9 Cowles Dr. Offers Waterfront Hudson River Living in Lake Luzerne</a></h2>

<div class="entry-meta">

<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

<span class="meta-sep meta-sep-entry-date"> | </span>

<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2013-11-21T14:42:26+0000">November 21, 2013</abbr></span>

</div><!-- .entry-meta -->

<div class="entry-content">

<div id="attachment_491" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-view-e1385062031229.jpg"><img class="size-medium wp-image-491" alt="Imagine drinking your morning coffee with this view of the Hudson River every day!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-view-300x225.jpg" width="300" height="225" /></a><p class="wp-caption-text">Imagine drinking your morning coffee with this view of the Hudson River every day!</p></div>

<p>The Scott Varley Team is proud to present 9 Cowles Dr. in Lake Luzerne for sale for $695,000. This six-year old spacious ranch home has 160 feet of riverfront footage. This is a fabulous four-seasons home with a glorious year-round view.Â Being relatively new means you get all the perks of modern living, including energy star building. The home is 3,179 square feet with three bedrooms, three bathrooms and large living areas. You have to see this storybook setting in person!</p>

<div id="attachment_492" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-front-e1385061032379.jpg"><img class="size-medium wp-image-492" alt="9 Cowles Dr. Lake Luzerne" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-front-300x200.jpg" width="300" height="200" /></a><p class="wp-caption-text">Gorgeous six-year old home for sale with 160 feet of water front footage on the Hudson River in Lake Luzerne.</p></div>

<div id="attachment_495" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-kitchen-e1385060722478.jpg"><img class="size-medium wp-image-495" alt="Huge modern kitchen!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-kitchen-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Huge modern kitchen!</p></div>

<div id="attachment_494" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-sunroom.jpg"><img class="size-medium wp-image-494" alt="Enjoy four seasons of amazing views of the Hudson River from this light and bright sunroom." src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-sunroom-300x224.jpg" width="300" height="224" /></a><p class="wp-caption-text">Enjoy four seasons of amazing views of the Hudson River from this light and bright sunroom.</p></div>

<div id="attachment_493" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-hudson-river-e1385061641314.jpg"><img class="size-medium wp-image-493" alt="Some homes have the luxury of water being nearby, but 9 Cowles Dr. actually backs right up to the Hudson River and this stunning view!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/9-cowles-hudson-river-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Some homes have the luxury of water being nearby, but 9 Cowles Dr. actually backs right up to the Hudson River and this stunning view!</p></div>

<p> </p>

</div><!-- .entry-content -->

<div class="entry-utility">

<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/announcements/" title="View all posts in Announcements" rel="category tag">Announcements</a></span>

<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/9-cowles/" rel="tag">9 cowles</a>, <a href="http://www.scottvarley.com/blog/tag/hudson-river/" rel="tag">hudson river</a>, <a href="http://www.scottvarley.com/blog/tag/lake-luzerne/" rel="tag">lake luzerne</a>, <a href="http://www.scottvarley.com/blog/tag/waterfront-home/" rel="tag">waterfront home</a></span>

<span class="meta-sep meta-sep-comments-link">|</span> <span class="comments-link comments-closed-link">Comments closed</span>

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<div id="post-487" class="post-487 post type-post status-publish format-standard hentry category-announcements tag-3-garnet-mine tag-moreau-ny" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2013/11/20/3-garnet-mine-offered-sale-875000/" title="Permalink to 3 Garnet Mine Offered For Sale at $875,000" rel="bookmark">3 Garnet Mine Offered For Sale at $875,000</a></h2>

<div class="entry-meta">

<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

<span class="meta-sep meta-sep-entry-date"> | </span>

<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2013-11-20T17:35:10+0000">November 20, 2013</abbr></span>

</div><!-- .entry-meta -->

<div class="entry-content">

<div id="attachment_474" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-front.jpg"><img class="size-medium wp-image-474" alt="Gorgeous craftsmanship!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-front-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Gorgeous craftsmanship!</p></div>

<p>If you’re looking for a gorgeous French Palatial Estate just minutes from Saratoga Springs in beautiful Moreau, NY, this is the one! This custom home is exquisite in every way and feels like a resort. From the exterior masonry detail to the pool with outdoor living and poolhouse… to the never-ending high-end finishes inside, this home leaves nothing to be desired. We aren’t showing you all the pictures, because you MUST see this home in person! Call us at 518-583-7268 to schedule a showing!</p>

<div id="attachment_477" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-layout-e1384985145350.jpg"><img class="size-medium wp-image-477" alt="Open, yet warm and inviting with gorgeous finishes everywhere you turn!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-layout-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Open, yet warm and inviting with gorgeous finishes everywhere you turn!</p></div>

<div id="attachment_476" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-living-e1384985254868.jpg"><img class="size-medium wp-image-476" alt="Beautiful living room is cozy and inviting" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-living-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Beautiful living room is cozy and inviting</p></div>

<p> </p>

<div id="attachment_475" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-kitchen-e1384985372694.jpg"><img class="size-medium wp-image-475" alt="spacious, bright and open!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-kitchen-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">spacious, bright and open!</p></div>

<div id="attachment_480" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-master-e1384984622744.jpg"><img class="size-medium wp-image-480" alt="The beautiful master bedroom is complete with fireplace and a view of the pool!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-master-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">The beautiful master bedroom is complete with fireplace and a view of the pool!</p></div>

<div id="attachment_483" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-bath2-e1384984108653.jpg"><img class="size-medium wp-image-483" alt="Every bathroom in this home is exquisite!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-bath2-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Every bathroom in this home is exquisite!</p></div>

<div id="attachment_482" class="wp-caption aligncenter" style="width: 208px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-bath-e1384984300299.jpg"><img class="size-medium wp-image-482" alt="Another gorgeous bathroom!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-bath-198x300.jpg" width="198" height="300" /></a><p class="wp-caption-text">Another gorgeous bathroom!</p></div>

<p style="text-align: center;"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-basement-bar.jpg"><img class="size-medium wp-image-478" alt="3 garnet mine basement bar" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-basement-bar-300x198.jpg" width="300" height="198" /></a></p>

<p> </p>

<div id="attachment_481" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-basement-e1384984459446.jpg"><img class="size-medium wp-image-481" alt="A basement most only dream of having! " src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-basement-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">A basement most only dream of having!</p></div>

<div id="attachment_479" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-theater-e1384985041121.jpg"><img class="size-medium wp-image-479" alt="If the rest of the finished out basement wasn't enough, check out the amazing home theater!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-theater-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">If the rest of the finished out basement wasn’t enough, check out the amazing home theater!</p></div>

<div id="attachment_484" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-kitchen2-e1384983932502.jpg"><img class="size-medium wp-image-484" alt="This open kitchen has it all!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-kitchen2-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">This open kitchen has it all!</p></div>

<div id="attachment_486" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-pool-e1384983698518.jpg"><img class="size-medium wp-image-486" alt="3 Garnet Mine offers the ultimate in outdoor living!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-pool-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">3 Garnet Mine offers the ultimate in outdoor living!</p></div>

<div id="attachment_485" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-garage-e1384983806860.jpg"><img class="size-medium wp-image-485" alt="Who doesn't want a three-car garage? Just another perk at 3 Garnet Mine in Moreau!" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-garage-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">Who doesn’t want a three-car garage? Just another perk at 3 Garnet Mine in Moreau!</p></div>

<div id="attachment_473" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-back-e1384983548518.jpg"><img class="size-medium wp-image-473" alt="3 Garnet Mine back yard" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/11/3-garnet-mine-back-300x198.jpg" width="300" height="198" /></a><p class="wp-caption-text">3 Garnet Mine back yard</p></div>

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<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/3-garnet-mine/" rel="tag">3 Garnet Mine</a>, <a href="http://www.scottvarley.com/blog/tag/moreau-ny/" rel="tag">Moreau NY</a></span>

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<div id="post-468" class="post-468 post type-post status-publish format-standard hentry category-announcements tag-buy-or-rent-in-saratoga-county tag-relocations-to-saratoga-county tag-rental-poperty-in-saratoga-county tag-saratoga-county-real-estate" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2013/10/23/cheaper-home-saratoga-county-rent/" title="Permalink to It’s Cheaper to Own a Home in Saratoga County than to Rent" rel="bookmark">It’s Cheaper to Own a Home in Saratoga County than to Rent</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2013-10-23T13:17:18+0000">October 23, 2013</abbr></span>

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<p>With the influx of relocations to Saratoga County going on now, many newcomers are faced with the question: “is it better to buy or rent in Saratoga County?” There are a few reasons people choose to rent vs. buy, and the reasons are valid, however, if you look at how much more it’s costing you, it’s worth considering buying right away!</p>

<p>At the time of this writing, there are 67 active 3-bedroom, 2-bathroom rental listings in all of Saratoga County. The average monthly rental price for these listings is $2,148. That’s astounding, right? Do you know how much house you could afford to mortgage for that amount? Depending on how much you put down on a purchase, you could easily buy a $350,000 home and have the same monthly payment (or less).</p>

<p>A recent study showed that it is 35% cheaper to buy than rent, but keeping extra money in your pocket from month to month isn’t the only reason to invest in home ownership. Did you know that the average American’s net worth also varies drastically between home owner and renter? The average American homeowner’s net worth is $174,500, compared to the average renter’s net worth of just $5,100.</p>

<p>This all may be enough to get you thinking, “okay, maybe I’ll buy eventually then.” But eventually is a word that is going to cost you more money. The interest rates are expected to start a steady incline in December. Look at the example below to see exactly how much the rising interest rate could impact you if you wait a year to buy:</p>

<p><strong>Purchase PriceÂ Â Â Interest RateÂ Â Â Monthly Payment with P&I</strong></p>

<p>$250,000Â Â Â Â Â Â Â Â Â Â Â Â Â Â 4.22%Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â $1225.46</p>

<p>$250,000Â Â Â Â Â Â Â Â Â Â Â Â Â Â 5.3%Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â $1388.26</p>

<p><strong>Monthly Difference = $162.80</strong></p>

<p>What could you do with an extra $162.80 per month? A lot. Not only that, but the amount of home you qualify to purchase will go down. Maybe you could afford a $250,000 house right now at the current interest rate, but if that same house is going to cost you an extra $162.80 per month, you don’t qualify. It’s something to seriously consider.</p>

<p>Meanwhile, renting isn’t getting any more affordable. There’s also a lack of rental property available in Saratoga County. The supply does not come close to meeting the demand with all the relocations coming in right now.</p>

<p>It just makes sense to buy right now. If you end up having to move again soon, you can always keep the home as an investment property and make positive cash flow right out of the shoots!</p>

<p>Call us today to discuss! We are here for all of your Saratoga County real estate needs.</p>

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<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/buy-or-rent-in-saratoga-county/" rel="tag">buy or rent in Saratoga county</a>, <a href="http://www.scottvarley.com/blog/tag/relocations-to-saratoga-county/" rel="tag">relocations to saratoga county</a>, <a href="http://www.scottvarley.com/blog/tag/rental-poperty-in-saratoga-county/" rel="tag">rental poperty in Saratoga County</a>, <a href="http://www.scottvarley.com/blog/tag/saratoga-county-real-estate/" rel="tag">Saratoga County real estate</a></span>

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<div id="post-461" class="post-461 post type-post status-publish format-standard hentry category-general-information tag-10-reasons-to-list-your-home-in-fall-or-winter tag-saratoga-county-real-estate tag-saratoga-home-for-sale" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2013/10/17/why-winter-is-a-great-time-to-keep-your-home-on-the-market/" title="Permalink to Why winter is a GREAT time to keep your home on the market in Saratoga County" rel="bookmark">Why winter is a GREAT time to keep your home on the market in Saratoga County</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2013-10-17T14:10:40+0000">October 17, 2013</abbr></span>

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<p>Everyone asks us if they should wait until Spring to list their Saratoga home for sale. The best time of year to sell a home, whether in Saratoga County or anywhere around New York’s Greater Capital Region, has traditionally been believed to be in the warm months of Spring and Summer, but here are<strong> 10 great reasons</strong> to list your home and keep it listed during the Fall and Winter months.</p>

<div id="attachment_462" class="wp-caption alignnone" style="width: 310px"><a href="http://www.scottvarley.com/blog/wp-content/uploads/2013/10/gift-wrapped-house.jpg"><img class="size-medium wp-image-462" alt="should I wait until spring to sell my house" src="http://www.scottvarley.com/blog/wp-content/uploads/2013/10/gift-wrapped-house-300x225.jpg" width="300" height="225" /></a><p class="wp-caption-text">10 reasons winter is a good time to sell a home</p></div>

<p>1. People who look for a house in winter and during the holidays are serious buyers!</p>

<p>2. Serious buyers have fewer houses to choose from, so there’s less competition.</p>

<p>3. Houses show better when decorated for Fall, Winter and the Holidays.</p>

<p>4. Buyers have more time to look for a house during the holidays.</p>

<p>5. Many people want to buy before the end of the year for tax reasons.</p>

<p>6. Job transfers and people relocating for a job don’t wait until Spring to buy. They need a house NOW.</p>

<p>7. You can still restrict showings during the holidays during your personal family events.</p>

<p>8. You can sell now and specify a delayed closing or extended occupancy until a later date if you desire.</p>

<p>9. By selling now, you have an opportunity to buyÂ before everyone else and get the best deal.</p>

<p>10. You might have fewer showings overall, but the ones who DO look now are serious and motivated, so you might actually get a better price!</p>

<p>We have agents standing by in every region waiting to help you and get your home sold. Give us a call at 518-583-7268 to set up a listing appointment today!</p>

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<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/10-reasons-to-list-your-home-in-fall-or-winter/" rel="tag">10 reasons to list your home in Fall or Winter</a>, <a href="http://www.scottvarley.com/blog/tag/saratoga-county-real-estate/" rel="tag">Saratoga County real estate</a>, <a href="http://www.scottvarley.com/blog/tag/saratoga-home-for-sale/" rel="tag">Saratoga home for sale</a></span>

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<div id="post-440" class="post-440 post type-post status-publish format-standard hentry category-announcements category-general-information tag-monica-dischiano tag-real-estate-company-in-saratoga-county tag-scott-varley-team" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2013/09/11/warning-htmlspecialchars-function-htmlspecialchars-charset-utf-7-not-supported-assuming-iso-8859-1-in-homescottvapublic_htmlblogwp-includesformatting-php-on-line-2751warning-htmlspeci/" title="Permalink to Monica DiSchiano joins the Scott Varley Team & Heads up Social Media" rel="bookmark">Monica DiSchiano joins the Scott Varley Team & Heads up Social Media</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/monica/" title="View all posts by Monica DiSchiano">Monica DiSchiano</a></span>

<span class="meta-sep meta-sep-entry-date"> | </span>

<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2013-09-11T11:04:49+0000">September 11, 2013</abbr></span>

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<p>The Scott Varley team continues to grow and stay ahead of the curve in technology with the hiring of Monica DiSchiano as our director of social media. The importance of social media is not just for company branding but for expanding the platforms on which our clients’ listings will be seen and advertised.</p>

<p>We are a top real estate company in Saratoga County because of our people and our successful marketing campaigns. While we spend a great deal on brochures and print advertising, as well as our website and other real estate websites, we realize we can reach thousands more via Facebook,, Twitter, Instagram, Pinterest and other social media avenues. The more visible we are online, the more visible our listings are, and the more we can do for our clients!</p>

<p>Monica is also a licensed real estate salesperson who specializes in relocation and buyer representation. Monica’s husband works for GlobalFoundries and she has enjoyed helping countless GlobalFoundries employees find homes.</p>

<p>Be sure to follow us on Facebook, Twitter and Pinterest and see some of the amazing things we are doing! Look out for our contests and give-aways, too!</p>

<p> </p>

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<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/announcements/" title="View all posts in Announcements" rel="category tag">Announcements</a>, <a href="http://www.scottvarley.com/blog/category/general-information/" title="View all posts in General Information" rel="category tag">General Information</a></span>

<span class="meta-sep meta-sep-tag-links">|</span> <span class="tag-links"> Tagged <a href="http://www.scottvarley.com/blog/tag/monica-dischiano/" rel="tag">Monica DiSchiano</a>, <a href="http://www.scottvarley.com/blog/tag/real-estate-company-in-saratoga-county/" rel="tag">real estate company in Saratoga County</a>, <a href="http://www.scottvarley.com/blog/tag/scott-varley-team/" rel="tag">Scott Varley Team</a></span>

<span class="meta-sep meta-sep-comments-link">|</span> <span class="comments-link"><a href="http://www.scottvarley.com/blog/2013/09/11/warning-htmlspecialchars-function-htmlspecialchars-charset-utf-7-not-supported-assuming-iso-8859-1-in-homescottvapublic_htmlblogwp-includesformatting-php-on-line-2751warning-htmlspeci/#respond" title="Comment on Monica DiSchiano joins the Scott Varley Team & Heads up Social Media" rel="bookmark">Leave a comment</a></span>

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<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2010/10/11/scott-varley-quoted-on-capital-region-foreclosures/" title="Permalink to Scott Varley Quoted on Capital Region Foreclosures" rel="bookmark">Scott Varley Quoted on Capital Region Foreclosures</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/admin/" title="View all posts by Webmaster">Webmaster</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2010-10-11T13:23:46+0000">October 11, 2010</abbr></span>

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<p>Scott Varley was quoted in an October 8 article in The Saratogian discussing the capital region foreclosure rates.Â Â <a href="http://saratogian.com/articles/2010/10/08/news/doc4cae6ee09de16814896064.txt">Read the full article</a>.</p>

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<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/general-information/" title="View all posts in General Information" rel="category tag">General Information</a></span>

<span class="meta-sep meta-sep-tag-links">|</span> <span class="comments-link"><a href="http://www.scottvarley.com/blog/2010/10/11/scott-varley-quoted-on-capital-region-foreclosures/#respond" title="Comment on Scott Varley Quoted on Capital Region Foreclosures" rel="bookmark">Leave a comment</a></span>

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<div id="post-128" class="post-128 post type-post status-publish format-standard hentry category-general-information" >

<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2010/10/06/if-he-says-it-is-time-to-buy-a-home-buy-a-home/" title="Permalink to If HE Says It Is Time To Buy a Home, BUY A HOME!" rel="bookmark">If HE Says It Is Time To Buy a Home, BUY A HOME!</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/admin/" title="View all posts by Webmaster">Webmaster</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2010-10-06T10:28:55+0000">October 6, 2010</abbr></span>

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<h2><a href="http://www.scottvarley.com/blog/wp-content/uploads/2010/10/John-Paulson.jpg"><img class="alignright size-medium wp-image-130" title="John Paulson" src="http://www.scottvarley.com/blog/wp-content/uploads/2010/10/John-Paulson-300x200.jpg" alt="John Paulson" width="300" height="200" /></a>â€œIf you donâ€™t own a home, buy one. If youÂ own one home, buy another one. And if you own two homes, buy a third and lend your relatives the money to buy one.â€</h2>

<p>â€“ John Paulson 9/27/2010</p>

<p>WOW! Thatâ€™s a powerful statement.</p>

<p>There is no question that John Paulson is a bull when it comes to residential real estate right now. Should we care what Mr. Paulson thinks? Should we listen to him? The answer to both questions is a resounding â€˜YESâ€™. Here are several reasons why.</p>

<h3>Who is John Paulson?</h3>

<p>Paulson is the person who made a fortune betting that the subprime mortgage mess would cause the the real estate market to collapse. He understands how the housing market works and knows when to buy and when to sell. What do others think of Paulson?</p>

<p>According to <a href="http://blogs.forbes.com/robertlenzner/2010/09/27/john-paulson-sell-bonds-buy-stocks-double-digit-inflation-coming/" target="_blank">Forbes</a> John Paulson is:</p>

<blockquote><p><em>a multibillionaire hedge fund operator and the investment genius who made a killing going short subprime mortgages a few years ago.</em></p></blockquote>

<p>According to the <a href="http://online.wsj.com/article/SB10001424052748704483004575524312198244500.html" target="_blank">Wall Street Journal</a> Paulson is:</p>

<blockquote><p><em>a hedge fund tycoon who made his name, and a fortune, betting against subprime mortgages when no one else even knew what they were.</em></p></blockquote>

<h3>What did other financial players think of his statement?</h3>

<p>The <strong>Wall Street Journal</strong> agrees with Paulson:</p>

<blockquote><p><em><strong>Ignore the critics. The odds have to be on his side</strong>â€¦It isnâ€™t just that home prices have fallen a long way. Itâ€™s also that, if you can get a mortgage, you are basically taking a reverse bet on the bond market. You could be a long-term borrower at fixed rates, instead of a long-term lender. Right now you can borrow for 30 years at around 4.3%. After the mortgage tax deduction, for some people the net effective interest rate is nearer to 3%. Thatâ€™s going to prove an awesome deal if we see inflation again.</em></p></blockquote>

<p>And <strong>Forbes </strong>said:</p>

<blockquote><p><em><strong>As this is the best time in 50 years to buy homes</strong>, Paulson advised his listeners to take 30 year mortgages to buy a home as â€œyour debt and interest payments get locked in at record lows, while the price of your home will rise.â€</em></p></blockquote>

<h3>Are others also saying now is the time to buy?</h3>

<p>Just last week, we <a href="http://kcmblog.com/2010/09/21/who-is-saying-it-is-time-to-buy-everyone-almost/" target="_blank">posted</a> that there is a growing number of people saying that NOW is the time to buy, including:</p>

<ul>

<li>The Wall Street Journal</li>

<li>Professor Karl Case, founder of the Case Shiller House Pricing Index</li>

<li>The wealthiest families in the country and</li>

<li>70% of everyone else in America</li>

</ul>

<h2>Bottom Line</h2>

<p>Thinking of buying a home? Are you taking advice from a friend or family member telling you that now is not the time? It may be time to listen to people who better understand the opportunities that exist in real estate today.</p>

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<span class="meta-sep meta-sep-tag-links">|</span> <span class="comments-link"><a href="http://www.scottvarley.com/blog/2010/10/06/if-he-says-it-is-time-to-buy-a-home-buy-a-home/#respond" title="Comment on If HE Says It Is Time To Buy a Home, BUY A HOME!" rel="bookmark">Leave a comment</a></span>

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<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2010/05/28/scott-varley-group-offers-unique-opportunity-in-luther-forest/" title="Permalink to The Scott Varley Group Offers Unique Opportunity in Luther Forest" rel="bookmark">The Scott Varley Group Offers Unique Opportunity in Luther Forest</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/admin/" title="View all posts by Webmaster">Webmaster</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2010-05-28T14:54:18+0000">May 28, 2010</abbr></span>

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<p>MALTA, N.Y. â€“ Scott Varley, of the Scott Varley Group-RealtyUSA in Saratoga Springs, NY, was recently selected as the sole realtor for Jennaâ€™s Forest, a new residential development within Luther Forest in Malta, NY. Thomas J. Farone and Son, one of the largest and most respected builders in the Capital District, is the exclusive builder for Jennaâ€™s Forest.</p>

<p>Located just a few miles south of Saratoga Springs, Malta is home to the greater Luther Forest and offers a vibrant economy. An up and coming hotspot for homebuyers near and far, the area is a short drive away from several popular upstate New York entertainment venues such as the Saratoga Race Track, Saratoga Lake, Lake George, and more; and is a short distance away from the home of GLOBALFOUNDRIES.ï»¿ [<a href="http://www.scottvarley.com/JennasForest.pdf" target="_self">Read the entire release</a>]</p>

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<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/announcements/" title="View all posts in Announcements" rel="category tag">Announcements</a></span>

<span class="meta-sep meta-sep-tag-links">|</span> <span class="comments-link"><a href="http://www.scottvarley.com/blog/2010/05/28/scott-varley-group-offers-unique-opportunity-in-luther-forest/#respond" title="Comment on The Scott Varley Group Offers Unique Opportunity in Luther Forest" rel="bookmark">Leave a comment</a></span>

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<h2 class="entry-title"><a href="http://www.scottvarley.com/blog/2010/05/28/ynn-interviews-scott-about-condos/" title="Permalink to YNN Interviews Scott About Condos" rel="bookmark">YNN Interviews Scott About Condos</a></h2>

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<span class="meta-prep meta-prep-author">By </span><span class="author vcard"><a class="url fn n" href="http://www.scottvarley.com/blog/author/admin/" title="View all posts by Webmaster">Webmaster</a></span>

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<span class="meta-prep meta-prep-entry-date">Published: </span><span class="entry-date"><abbr class="published" title="2010-05-28T14:50:45+0000">May 28, 2010</abbr></span>

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<p>Scott recently had a chance to talk with YNN about the benefits of owning a condo. [<a href="http://capitalregion.ynn.com/content/505384/your-home--condos/" target="_blank">View the Video</a>]</p>

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<span class="cat-links">Posted in <a href="http://www.scottvarley.com/blog/category/announcements/" title="View all posts in Announcements" rel="category tag">Announcements</a></span>

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