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Relocating? I’m Your Saratoga County Expert.

SHeila Sperling

Home Buyers

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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What to Say When You First Contact a Lender

How to Get the Best Mortgage Series  – Week 1 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’s article is all about what to say when you first contact a […]

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The 10 “Credit Score” Commandments

How to Get Your Credit Score Up — Week 4 This series shines a light on the importance of your credit score when buying a home. Most buyers need to take out a mortgage, and that’s when your finances become an open book. Lenders will need to gauge if you’re worth the risk to lend you […]

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3 Common Mistakes that Lower Credit Scores

How to Get Your Credit Score Up — Week 3 Having a high credit score is important all the time, whether you are buying a home anytime soon or not.  Your FICO score and credit report are so vital to getting any type of loan, and this series will give you the financial strategies you need […]

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Demystifying Your Credit Score

How to Get Your Credit Score Up — Week 2 Having a high credit score is important all the time, whether you are buying a home anytime soon or not.  Your FICO score and credit report are so vital to getting any type of loan, and this series will give you the financial strategies you need to […]

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