Josh Gonzalez

Licensed Real Estate Salesperson

Clifton Park

1754 Rt. 9, Parkwood Plaza

Clifton Park, NY12065

Direct: 518-640-4203 Cell: 518-640-4203
Office: 518-383-0030 Fax: 518-383-6225
josh.gonzalez@coldwellbankerprime.com
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Josh Gonzalez

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370 ROOT RD

370 ROOT RD

Charlton, NY 12020

$423,500

Type:Colonial

Sq. Footage:1,997

Bedrooms:0

Bathrooms: 0   (Full: 0   3/4: 0   1/2: 0   Other: 0)

Perfect location to build your dream home. 8.5 acres of wooded property in thee great town of Charlton, along with Burnt Hills Schools.Just minutes to all points in the Capital Region. Offered by Stewart Cinstruction.Call listing agent for details.

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Your next home is a great agent and a phone call away.

 

I have enjoyed more than 9 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 liscense in 2005.  I then became a member of the Staten Island Board of Realtors (SIBOR).  The past 9 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 adquire the skill set and the business acumen to ensure the utmost level of service for every client, what truly separetes me from the competition, is a relentless persuit to provide value behond 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 demostrated by way of utilization of the latest trends in technology to better market your home.  I have adopted an innovative approach to merchandizing a home's potential, the ability to convay accurate information, and a calculated eye on market trends as well as ruthless negotiation tactis 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. 

 

Rent Vs Own

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

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    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.
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    Just Because....

    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.

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