Josh Gonzalez

Licensed Real Estate Salesperson

Clifton Park

1754 Rt. 9, Parkwood Plaza

Clifton Park, NY12065

Direct: 518-640-4203 Cell: 518-640-4203
Fax: 518-383-6225
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Josh Gonzalez

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This moth's feature property; 229 5th Street, Scotia NY 12302.


 


Josh Gonzalez

I have enjoyed more than 10 years of experience in the real estate and home-service industries. After 5 years of combined experience in working with Architects, Designers, Developers and Remodelers, I decided to fully engage my self in all aspects related to home ownership and earned my real estate license in 2005.

I then became a member of the Staten Island Board of Realtors (SIBOR). The past 10 years have provided me with an unparallel opportunity to service my clients with an uncommonly broad set of knowledge, skill and ability. Although I've acquired the skill set and the business acumen to ensure the utmost level of service for every client, what truly separates me from the competition, is a relentless pursuit to provide value beyond real estate.

My business is built on a solid foundation of attitude and aptitude. I continue to dedicate my self to finding new ways to best serve my buyers and sellers. This dedication is demonstrated by way of utilization of the latest trends in technology to better market your home. I have adopted an innovative approach to merchandising a home's potential, the ability to convey accurate information, and a calculated eye on market trends as well as ruthless negotiation tactics to ultimately protect the financial interests of my clients.

Whether you are buying or selling a home, please feel free to contact me with any and all concerns. The only silly question is one not asked.

 


Professional Background

  • Member of the NYSAR
  • Member of GCAR
  • licensed sales associate
  • Certified Short Sales and Foreclosure Resource
  • Prime New Homes sales associate
  • Stewart Construction Inc Representative
  • Team Leader
  • Former member of SIBOR
  • Former member of Sorentino Development team

Designations

Realtor Equal Housing Opportunity Coldwell Banker Chairman's Circle Short Sales and Foreclosure Resource

Languages

English, Spanish


Buyers

Now is a great time to buy a house. There is an unprecedented number of good homes available at amazing prices. Mortgage rates are still close to all-time lows and lenders are willing to make the dream of owning a home a real possibility. If you’re a first-time buyer or already own a home and are looking to make a change, I am here to make buying a home an enjoyable, exciting and trouble-free experience.

There are many good reasons to have an experienced, professional agent represent you in the buying process

Finally, I will help you negotiate the best possible deal, write the sales contract, manage the risks and avoid the many pitfalls that go along with a transaction that is in the hundreds of thousands of dollars. Statistically, buyers who work with competent agent are much more likely to save money and successfully complete a transaction that does not come back to haunt them later.

 

  • First, a well-qualified agent will give you valuable information, support, and advice to help you locate the most desirable homes in the neighborhoods that meet your criteria. While there are many ways to identify homes for sale, an experienced, knowledgeable agent can save you a great deal of time and effort sifting through the many homes currently on the market, while identifying those that are most likely to interest you.
  • Second, a good agent can provide crucial background information on neighborhoods, history of property values, planned construction in the area and other data that may significantly affect property values in the future.
  • Third, I can help you get the house you want for the best price possible by advising you on the actual market value of the property. There is no automated system that can begin to give you the insight that comes with the experience of handling transactions involving buying and selling homes in this area, as I can. Knowing the real market value of a property gives you a great leverage when it’s time to present an effective offer.

Have a question regarding a mortgage loan?

   For information about rates, process, programs and other services visit; http://www.myhff.com/JoannaTaft/


Tips for Buyers


Sellers

When listing your home for sale, there is no more important decision than your choice of a agent. I understand that, and I want my clients to feel completely at ease knowing I will do what it takes to deliver on my promise to get your home sold as quickly as possible, as safely as possible, and at the highest financial benefit to you. My years of real estate experience, and commitment to deliver the highest level of service, have served me as valuable tools when it comes to representing my clients. I also understand and use the latest, most effective methods of advertising to ensure I continue to stay ahead of the curve and get my clients’ homes sold quicker and for better prices. I get the results my clients have come to expect from me, which is why they refer their friends and family to me again and again.

What to expect when listing your home with me:

  • Total commitment to selling your home. First and foremost, I will dedicate myself to the task of getting your homse sold, and on the most favorable terms possible. No matter how busy I am, you will always feel like you are my most important client, regardless of the purchase price of your home.
  • Professional, friendly communication and client service. I believe in treating my clients with the utmost respect, and conducting my business with honesty and integrity.
  • Knowledgeable experienced agent. I will stay on top of all that is taking place in your immediate geographic area as far as real estate trends is concerned.
  • Comprehensive, cutting-edge marketing of your home. From digital and print media to search engines, blogs and social media, I have the tools to reach more buyers, faster, and with an effective presentation.
  • Piece of mind knowing that your home is in the right hands, from start to finish and all the steps in between. I will help you negotiate the contract, manage the risks, avoid the pitfalls and bring the transaction to a successful closing as quickly and seamlessly as possible. Contact me today to schedule an in-person listing presentation with absolutely no obligation. I’ll go over all the details of my marketing strategy and provide valuable resources to help you make an informed decision about the best agent to represent you in the sale of your home.


Tips for sellers


Good reasons to buy a home.

If you're like most first-time home buyers, you've probably listened to friends', family's and coworkers' advice, many of whom are encouraging you to buy a home. However, you may still wonder if buying a home is the right thing to do. Relax. Having reservations is normal. The more you know about why you should buy a home, the less scary the entire process will appear to you. Here are eight good reasons why you should buy a home.
 
 

Pride of Ownership

Pride of ownership is the number one reason why people yearn to own their home. It means you can paint the walls any color you desire, turn up the volume on your CD player, attach permanent fixtures and decorate your home according to your own taste. Home ownership gives you and your family a sense of stability and security. It's making an investment in your future.

Appreciation

Although real estate moves in cycles, sometimes up, sometimes down, over the years, real estate has consistently appreciated. The Office of Federal Housing Enterprise Oversight tracks the movements of single family home values across the country. Its House Price Index breaks down the changes by region and metropolitan area. Many people view their home investment as a hedge against inflation.

Mortgage Interest Deductions

Home ownership is a superb tax shelter and our tax rates favor homeowners. As long as your mortgage balance is smaller than the price of your home, mortgage interest is fully deductible on your tax return. Interest is the largest component of your mortgage payment.

Property Tax Deductions

IRS Publication 530 contains tax information for first-time home buyers. Real estate property taxes paid for a first home and a vacation home are fully deductible for income tax purposes. In California, the passage of Proposition 13 in 1978 established the amount of assessed value after property changes hands and limited property tax increases to 2% per year or the rate of inflation, whichever is less.

Capital Gain Exclusion

As long as you have lived in your home for two of the past five years, you can exclude up to $250,000 for an individual or $500,000 for a married couple of profit from capital gains. You do not have to buy a replacement home or move up. There is no age restriction, and the "over-55" rule does not apply. You can exclude the above thresholds from taxes every 24 months, which means you could sell every two years and pocket your profit--subject to limitation--free from taxation.

Preferential Tax Treatment

If you receive more profit than the allowable exclusion upon sale of your home, that profit will be considered a capital asset as long as you owned your home for more than one year. Capital assets receive preferential tax treatment.

Morgage Reduction Builds Equity

Each month, part of your monthly payment is applied to the principal balance of your loan, which reduces your obligation. The way amortization works, the principal portion of your principal and interest payment increases slightly every month. It is lowest on your first payment and highest on your last payment. On average, each $100,000 of a mortgage will reduce in balance the first year by about $500 in principal, bringing that balance at the end of your first 12 months to $99,500.

Equity Loans

Consumers who carry credit card balances cannot deduct the interest paid, which can cost as much as 18% to 22%. Equity loan interest is often much less and it is deductible. For many home owners, it makes sense to pay off this kind of debt with a home equity loan. Consumers can borrow against a home's equity for a variety of reasons such as home improvement, college, medical or starting a new business. Some state laws restrict home equity loans.

.

April 2013 Market Snap Shot "Spring Edition"

Please let me know if you come across something on this section of my web site that you personally find of exceptional value, and or, if there is anything you feel I should change.  jgonzalez@cbpp.com   I really value your feedback.  Enjoy this week's pick.

No Flags on this play! Check out the February 2013 Market Snap Shot "Super Bowl Edition".




Get started!


My Listings

105 Lois La, Niskayuna, NY 12304
$254,900
105 Lois La
Niskayuna, NY 12304
MLS ID: 201319960
Beds: 2
Baths: 4
Sq Feet: 1,864
Year Built: 2013
105 Lois La, Niskayuna, NY 12304
$268,100
105 Lois La
Niskayuna, NY 12304
MLS ID: 201319962
Beds: 2
Baths: 4
Sq Feet: 1,864
Year Built: 2013
107 Lois La, Niskayuna, NY 12309
$248,100
107 Lois La
Niskayuna, NY 12309
MLS ID: 201319908
Beds: 2
Baths: 2
Sq Feet: 1,542
Year Built: 2013
107 Lois La, Niskayuna, NY 12309
$234,900
107 Lois La
Niskayuna, NY 12309
MLS ID: 201319891
Beds: 2
Baths: 2
Sq Feet: 1,542
Year Built: 2013
12 Kelly La, Clifton Park, NY 12065
$324,900
12 Kelly La
Clifton Park, NY 12065
MLS ID: 201319604
Beds: 3
Baths: 3
Sq Feet: 1,935
Year Built: 2013
5 Kelly La, Clifton Park, NY 12065
$289,900
5 Kelly La
Clifton Park, NY 12065
MLS ID: 201319601
Beds: 3
Baths: 3
Sq Feet: 1,860
Year Built: 2013
12 Kelly La, Halfmoon, NY 12065
$344,900
12 Kelly La
Halfmoon, NY 12065
MLS ID: 201319677
Beds: 4
Baths: 3
Sq Feet: 2,200
Year Built: 2013
Lot #1 Van Vorst Rd, Glenville, NY 12302
$369,900
Lot #1 Van Vorst Rd
Glenville, NY 12302
MLS ID: 201319337
Beds: 3
Baths: 3
Sq Feet: 2,574
Year Built: 2013
Lot 8 Kelly La, Clifton Park, NY 12065
$289,900
Lot 8 Kelly La
Clifton Park, NY 12065
MLS ID: 201319031
Beds: 3
Baths: 3
Sq Feet: 1,860
Year Built: 2013
336 Miller Rd, Clifton Park, NY 12065
$439,900
336 Miller Rd
Clifton Park, NY 12065
MLS ID: 201318780
Beds: 4
Baths: 3
Sq Feet: 2,500
Year Built: 2013
338 Miller Rd, Clifton Park, NY 12065
$449,900
338 Miller Rd
Clifton Park, NY 12065
MLS ID: 201318787
Beds: 4
Baths: 4
Sq Feet: 2,800
Year Built: 2013
6 Artillery Approach, Stillwater, NY 12118
$257,900
6 Artillery Approach
Stillwater, NY 12118
MLS ID: 201318567
Beds: 3
Baths: 3
Sq Feet: 1,595
Year Built: 2013
10 Frankie La, Clifton Park, NY 12065
$359,900
10 Frankie La
Clifton Park, NY 12065
MLS ID: 201318581
Beds: 3
Baths: 2
Sq Feet: 2,094
Year Built: 2013
Lot 5 Glenwood Rd, Troy, NY 12180
$294,900
Lot 5 Glenwood Rd
Troy, NY 12180
MLS ID: 201318046
Beds: 3
Baths: 2
Sq Feet: 1,470
Year Built: 2013
74 Hayner Rd, Waterford, NY 12188
$322,900
74 Hayner Rd
Waterford, NY 12188
MLS ID: 201317895
Beds: 6
Baths: 2
Sq Feet: 2,688
Year Built: 1995
4 Frankie La, Clifton Park, NY 12065
$384,900
4 Frankie La
Clifton Park, NY 12065
MLS ID: 201315914
Beds: 4
Baths: 3
Sq Feet: 2,450
Year Built: 2013
10 Plum Poppy South, Malta, NY 12020
$309,900
10 Plum Poppy South
Malta, NY 12020
MLS ID: 201315612
Beds: 4
Baths: 3
Sq Feet: 1,920
Year Built: 1986
5 Flintlock Way, Stillwater, NY 12118
$269,900
5 Flintlock Way
Stillwater, NY 12118
MLS ID: 201315462
Beds: 4
Baths: 3
Sq Feet: 1,953
Year Built: 2012
Lot #5 Ellen Av, North Greenbush, NY 12180
$244,900
Lot #5 Ellen Av
North Greenbush, NY 12180
MLS ID: 201314951
Beds: 3
Baths: 5
Sq Feet: 1,601
Year Built: 2012
8 Frankie La, Clifton Park, NY 12065
$399,900
8 Frankie La
Clifton Park, NY 12065
MLS ID: 201314727
Beds: 4
Baths: 3
Sq Feet: 2,600
Year Built: 2013
42 Tipperary Way, Clifton Park, NY 12019
$619,000
42 Tipperary Way
Clifton Park, NY 12019
MLS ID: 201314342
Beds: 4
Baths: 4
Sq Feet: 3,600
Year Built: 2011
Lot #4 Kelly La, Halfmoon, NY 12065
$249,900
Lot #4 Kelly La
Halfmoon, NY 12065
MLS ID: 201313865
Beds: 3
Baths: 3
Sq Feet: 1,400
Year Built: 2013
7 Kelly La, Halfmoon, NY 12065
$309,900
7 Kelly La
Halfmoon, NY 12065
MLS ID: 201313866
Beds: 3
Baths: 2
Sq Feet: 1,794
Year Built: 2013
4 Old Mill Ct, Milton, NY 12863
$269,900
4 Old Mill Ct
Milton, NY 12863
MLS ID: 201313874
Beds: 3
Baths: 3
Sq Feet: 1,650
Year Built: 2013
00 Old Mill Ct, Milton, NY 12863
$288,900
00 Old Mill Ct
Milton, NY 12863
MLS ID: 201313877
Beds: 3
Baths: 3
Sq Feet: 1,650
Year Built: 2013
10 Central Av, Saratoga Springs, NY 12866
$359,900
10 Central Av
Saratoga Springs, NY 12866
MLS ID: 201313878
Beds: 3
Baths: 3
Sq Feet: 1,650
Year Built: 2013
23 Vettura Ct, Malta, NY 12020
$329,900
23 Vettura Ct
Malta, NY 12020
MLS ID: 201313327
Beds: 2
Baths: 2
Sq Feet: 1,736
Year Built: 2012
79 Knapp Rd, Malta, NY 12020
$525,000
79 Knapp Rd
Malta, NY 12020
MLS ID: 201312957
Beds: 4
Baths: 4
Sq Feet: 4,596
Year Built: 1986
15 Revere Run, Stillwater, NY 12118
$249,900
15 Revere Run
Stillwater, NY 12118
MLS ID: 201312728
Beds: 3
Baths: 3
Sq Feet: 1,595
Year Built: 2013
Lot 59 Revere Run, Stillwater, NY 12118
$274,900
Lot 59 Revere Run
Stillwater, NY 12118
MLS ID: 201311887
Beds: 3
Baths: 3
Sq Feet: 1,700
Year Built: 2013
Artillery Approach, Stillwater, NY 12118
$262,900
Artillery Approach
Stillwater, NY 12118
MLS ID: 201311888
Beds: 3
Baths: 3
Sq Feet: 1,650
Year Built: 2013
00 Old Mill Ct, Milton, NY 12863
$249,900
00 Old Mill Ct
Milton, NY 12863
MLS ID: 201311878
Beds: 3
Baths: 3
Sq Feet: 1,414
Year Built: 2013
9 Vettura Ct, Malta, NY 12020
$312,900
9 Vettura Ct
Malta, NY 12020
MLS ID: 201311882
Beds: 3
Baths: 3
Sq Feet: 1,730
Year Built: 2013
Artillery Approach, Stillwater, NY 12118
$252,900
Artillery Approach
Stillwater, NY 12118
MLS ID: 201311889
Beds: 3
Baths: 2
Sq Feet: 1,315
Year Built: 2013
Lot 5 Glenwood Rd, Troy, NY 12180
$299,900
Lot 5 Glenwood Rd
Troy, NY 12180
MLS ID: 201311427
Beds: 4
Baths: 3
Sq Feet: 1,850
Year Built: 2013
333 Vettura Ct, Malta, NY 12020
$272,900
333 Vettura Ct
Malta, NY 12020
MLS ID: 201310888
Beds: 3
Baths: 3
Sq Feet: 1,399
Year Built: 2013
59 Vettura Ct, Malta, NY 12020
$279,900
59 Vettura Ct
Malta, NY 12020
MLS ID: 201310887
Beds: 3
Baths: 3
Sq Feet: 1,600
Year Built: 2013
00 Vettura Ct, Malta, NY 12020
$299,900
00 Vettura Ct
Malta, NY 12020
MLS ID: 201310856
Beds: 2
Baths: 2
Sq Feet: 1,600
Year Built: 2013
4 Kelly La, Halfmoon, NY 12065
$287,900
4 Kelly La
Halfmoon, NY 12065
MLS ID: 201310471
Beds: 3
Baths: 3
Sq Feet: 1,875
Year Built: 2013
4 Kelly La, Halfmoon, NY 12065
$304,900
4 Kelly La
Halfmoon, NY 12065
MLS ID: 201310472
Beds: 3
Baths: 3
Sq Feet: 1,935
Year Built: 2013
23 Artillery Approach, Stillwater, NY 12118
$239,900
23 Artillery Approach
Stillwater, NY 12118
MLS ID: 201310386
Beds: 3
Baths: 3
Sq Feet: 1,600
Year Built: 2013
1 Kelly La, Halfmoon, NY 12118
$249,900
1 Kelly La
Halfmoon, NY 12118
MLS ID: 201226456
Beds: 3
Baths: 3
Sq Feet: 1,400
Year Built: 2012
Lot #1 Dawson Rd, Glenville, NY 12302
$349,500
Lot #1 Dawson Rd
Glenville, NY 12302
MLS ID: 201225906
Beds: 3
Baths: 3
Sq Feet: 2,574
Year Built: 2012
Lot #2 Snake Hill Rd, Glenville, NY 12302
$349,500
Lot #2 Snake Hill Rd
Glenville, NY 12302
MLS ID: 201225907
Beds: 3
Baths: 3
Sq Feet: 2,574
Year Built: 2012
44 Central Av, Saratoga Springs, NY 12866
$387,400
44 Central Av
Saratoga Springs, NY 12866
MLS ID: 201225508
Beds: 4
Baths: 3
Sq Feet: 2,308
Year Built: 2012
43 Central Av, Saratoga Springs, NY 12866
$392,100
43 Central Av
Saratoga Springs, NY 12866
MLS ID: 201225496
Beds: 3
Baths: 3
Sq Feet: 1,777
Year Built: 2013
Lot 4 Dawson Rd, Glenville, NY 12302
$175,000
Lot 4 Dawson Rd
Glenville, NY 12302
MLS ID: 201225099
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot #2 Snake Hill Rd, Glenville, NY 12302
$55,000
Lot #2 Snake Hill Rd
Glenville, NY 12302
MLS ID: 201225021
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot 3 Dawson Rd, Glenville, NY 12302
$55,000
Lot 3 Dawson Rd
Glenville, NY 12302
MLS ID: 201225098
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot #4 Snake Hill Rd, Glenville, NY 12302
$65,000
Lot #4 Snake Hill Rd
Glenville, NY 12302
MLS ID: 201225094
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot #2 Van Vorst Rd, Glenville, NY 12302
$50,000
Lot #2 Van Vorst Rd
Glenville, NY 12302
MLS ID: 201225111
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot 1 Dawson Rd, Glenville, NY 12302
$55,000
Lot 1 Dawson Rd
Glenville, NY 12302
MLS ID: 201225097
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot #3 Snake Hill Rd, Glenville, NY 12302
$55,000
Lot #3 Snake Hill Rd
Glenville, NY 12302
MLS ID: 201225092
Beds: -
Baths: -
Sq Feet: -
Year Built:
Lot #1 Van Vorst Rd, Glenville, NY 12302
$60,000
Lot #1 Van Vorst Rd
Glenville, NY 12302
MLS ID: 201225109
Beds: -
Baths: -
Sq Feet: -
Year Built:
6 Frankie La, Clifton Park, NY 12065
$409,900
6 Frankie La
Clifton Park, NY 12065
MLS ID: 201224952
Beds: 4
Baths: 4
Sq Feet: 2,794
Year Built: 2013
00 Vettura Ct, Malta, NY 12020
$319,900
00 Vettura Ct
Malta, NY 12020
MLS ID: 201224843
Beds: 2
Baths: 2
Sq Feet: 1,736
Year Built: 2013
14 Central Av, Saratoga Springs, NY 12866
$384,900
14 Central Av
Saratoga Springs, NY 12866
MLS ID: 201224617
Beds: 4
Baths: 3
Sq Feet: 2,135
Year Built: 2013
12 Central Av, Saratoga Springs, NY 12866
$354,900
12 Central Av
Saratoga Springs, NY 12866
MLS ID: 201224612
Beds: 3
Baths: 3
Sq Feet: 1,777
Year Built: 2011
983 Sacandaga Rd, Glenville, NY 12302
$215,000
983 Sacandaga Rd
Glenville, NY 12302
MLS ID: 201222420
Beds: 3
Baths: 2
Sq Feet: 1,400
Year Built: 2009
125 Young Rd, Greenfield, NY 12850
$299,000
125 Young Rd
Greenfield, NY 12850
MLS ID: 201221186
Beds: -
Baths: -
Sq Feet: -
Year Built:
39 Central Av, Saratoga Springs, NY 12866
$374,900
39 Central Av
Saratoga Springs, NY 12866
MLS ID: 201215210
Beds: 4
Baths: 3
Sq Feet: 2,308
Year Built: 2012
43 Central Av, Saratoga Springs, NY 12866
$328,900
43 Central Av
Saratoga Springs, NY 12866
MLS ID: 201214179
Beds: 3
Baths: 3
Sq Feet: 1,777
Year Built: 2012
0 Bells La, Brunswick, NY 12180
$89,000
0 Bells La
Brunswick, NY 12180
MLS ID: 29111347
Beds: -
Baths: -
Sq Feet: -
Year Built:
0 Bells La, Brunswick, NY 12180
$79,000
0 Bells La
Brunswick, NY 12180
MLS ID: 29111342
Beds: -
Baths: -
Sq Feet: -
Year Built: