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Relocating? I’m Your Saratoga County Expert.

SHeila Sperling

Home Buyers

Should You Use 401k Money for a Down Payment?

Did you know that you can borrow money to buy a home from yourself if you have a 401k plan? Getting a 401k loan is one way to get additional money toward a down payment. It’s a lump sum of money that is already yours — not the bank’s, not mom and dad’s, and not anyone […]

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How To Get The Best Interest Rate For You

When it comes to getting a mortgage, it’s easy to focus on the interest rate. But, if you only focus on the interest rate, you might be missing some “hidden” fees that makes getting that interest rate more expensive. That sounds counterproductive but it isn’t. Several factors will help create the best mortgage and interest […]

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Should You or Shouldn’t You Avoid PMI?

How to Get the Best Mortgage Series – Week 8 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week you’ll learn all about Private Mortgage Insurance (PMI) […]

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Buy AND Renovate with One 203(k) Loan

How to Get the Best Mortgage Series – Week 7 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week you’ll learn about a loan that can help you […]

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ARMs – Might Be a Good Mortgage Option for You

How to Get the Best Mortgage Series – Week 6 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week, you’ll learn about another loan option – adjustable rate […]

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Why the Interest Rate You See Online Is NOT the One You’ll Get

How to Get the Best Mortgage Series – Week 5 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week you’ll learn why the interest rate you see advertised […]

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How Your Credit Score Can Impact Loan Options

How to Get the Best Mortgage Series  –  Week 4 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week you’ll learn why your credit score is one of the […]

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How to prep now to buy a home in 2025

Buying a home takes a lot of preparation and planning. It’s important to get your finances in order and other tasks done before you even start house hunting! Keep in mind that this early stage of the buying process doesn’t happen overnight. It takes time on your part even before we start working together. That way when […]

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How Much Down Payment Do You Really Need

How to Get the Best Mortgage Series  –  Week 3 Follow this series to learn how to get the best mortgage for your specific financial situation and goals. You’ll see what steps you need to take throughout this process to make it productive and successful. This week you will learn about down payment options and how much […]

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How Much Can You Really Afford Each Month?

How to Get the Best Mortgage Series – Week 2 Follow this series to learn how to get the best mortgage for your specific financial situation and goals.  You’ll see what steps you need to take throughout this process to make it productive and successful! It’s all about what you can afford each month before you determine a price […]

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