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Maribeth Duclos

Licensed Associate Real Estate Broker

Loudonville

433 Loudon Road

Loudonville, NY12211

Main:	518-640-4412	Cell:	518-312-2764
Office:	518-427-9000	Fax:	518-427-9090

maribeth.duclos@coldwellbankerprime.com

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My Listings

	$549,900 10 Westover Rd Troy, NY 12180 MLS ID: 201317338	Beds: 6 Baths: 5 Sq Feet: 5,800 Year Built: 1915
	$214,900 5 Meadow St Latham, NY 12110 MLS ID: 201315935	Beds: 3 Baths: 1 Sq Feet: 1,263 Year Built: 1957
	$359,900 1 Clover La Colonie, NY 12211 MLS ID: 201315919	Beds: 5 Baths: 3 Sq Feet: 2,333 Year Built: 1954
	$234,900 2456 Troy Schenectady Rd Niskayuna, NY 12309 MLS ID: 201312963	Beds: 4 Baths: 2 Sq Feet: 1,807 Year Built: 1981
	$219,900 67 Morner Rd East Greenbush, NY 12144 MLS ID: 201226865	Beds: 3 Baths: 2 Sq Feet: 1,726 Year Built: 1988
	$164,900 138 Amsterdam Av Glenville, NY 12302 MLS ID: 201218571	Beds: 3 Baths: 2 Sq Feet: 1,308 Year Built: 1960
	$139,900 1802 Fred Rd Rotterdam, NY 12303 MLS ID: 201210760	Beds: 3 Baths: 2 Sq Feet: 1,680 Year Built: 1950

Welcome to Maribeth's Web Page

Market Update

New Legislation Benefits Homeowners

New legislation recently passed by Congress has brought back a popular tax break on mortgage insurance premiums.

The American Taxpayer Relief Act of 2012 extends the tax break — which expired at the end of 2011 — allowing borrowers to deduct the amount they pay for mortgage insurance.

The mortgage insurance premium deduction is retroactive to January 1, 2012. This means that eligible borrowers who paid a mortgage insurance premium in 2012 will be able to use the deduction when they file their 2012 returns this year. The deduction applies to all loans*, including FHA, VA, USDA and conventional loans.

Also, the mortgage insurance deduction has been extended until December 31, 2013. This means that eligible borrowers who pay a mortgage insurance premium in 2013 will be able to use the deduction when they file their 2013 returns in 2014.

To benefit from the tax deduction, homeowners must itemize the deduction on their federal tax return. Households with an adjusted gross income (AGI) of less than $100,000 per year can deduct 100% of their annual mortgage insurance premiums. Those households with an AGI over $100,000 per year can benefit from the tax deduction but are subject to a sliding scale of benefits.

The American Taxpayer Relief Act of 2012 also extends a provision that exempts homeowners from being taxed on the forgiven amount of their principal residence through a debt reduction plan, such as a short sale, foreclosure or loan modification.*

If you would like to know more about the new legislation recently passed by Congress and how it may benefit your clients, please contact me today.

Toys for Tots program a huge success. Thank you to all who helped us surpass our goals!!

Habitat for Humanity Build a thon Coldwell Banker Day April 22nd

Thank you everyone for your generous support. We had a blast and really accomplished a tremendous amount in one short day. And yes! they did let me swing the sledge hammer, what fun and I was really good at it!

http://Real-Estate-Deals.tv

Capital Region Specialist

A full time Realtor
Committed to outstanding customer service
Lifelong resident of the greater Capital Region
Specializing in client satisfaction
Member: GCAR, NAR, NYSAR, CRMLS
20 years experience in commerical and residential sales and management
Cendant Mobility - marketing and referral specialist
Women's Council of Realtors Multimillion Dollar Club
Coldwell Banker National President's Circle Award
Platinum Pinnacle member four years running

Professional Background

Residential Property Management in the early 80's including the redevelopment of city neighborhoods
Commercial Property Management in the Capital City and surrounding suburban metro areas
Residential Property Management of Saratoga County upscale residential communites
Residential Sales in and around the Capital District of Albany and the Adirondack region

Just for fun!

Community Involvement

I have been involved in my local parish as a religious education teacher, volunteered as a scout leader and local chairperson, chaired many fundraising activities in the local public school, hosted many education seminars for years and years and years.

I hosted many pasta nights before the high school football games and was happy to assist with tailgating activities with the UAlbany Football Team!

And though I intend to continue to volunteer where and when I can.......... I am looking forward to and feel I deserve (don't we all).... to purchase a really cool 2 seater sports car.

Client Feedback

“Maribeth Duclos is amazing. She is a real estate genius!! There is absolutely no way we could have handled our stressful situation without her. There are no words to describe our admiration of her and gratitude to her. We are consistently singing her praises.” –Melanie Bennett

My clients' feedback is always very important to me. Your feedback helps me improve my strategies to give you the best advantage when buying or selling real estate, and knowing that I was able to help is a wonderful feeling!

Why Realtors Exist

* Someone has to mop up when the basement floods.

* We usually have pretty comfortable cars for traveling around to look at houses.

* We will buy you lunch if you're hungry.

* Las Vegas would not exist if gamblers really won. Realtors wouldn't exist if consumers could successfully sell real estate themselves

* You are not receiving nearly enough emails!

* We love houses and love to look at houses!!

* We don't have to get up early in the morning.

* We boost the economy by going to 5 trillion sales seminars.

Seriously, though, the home selling and buyer process gets more complicated every day and a great realtor can make the difference between a successful purchase and sale or a complete disaster that can effect your financial stability for a long time.

Please believe me when I say a great realtor is worth her/his weight in gold.

Making Time and Taking Time

With a new year begun I have taken a hard look at my activities both personal and professional in the last 12 months and have determined that my real estate clients have begun to feel like family. I spend as much time with them (and some times more) than my husband and children. I often know more about what is going on in their lives than my daughter who currently resides in Buffalo. And I celebrate their personal victories and shed tears for their losses. (personal, never real estate)

I find that I would not have it any other way. Coming from a family with 9 children, it is very normal to be surronded by mobs of people that I truly care about and that care about me.

Personal Background

Life long resident of the Capital Region.

I have been married for over 25 years to a very understanding (many long hours at work)........... and quite handy husband (always ready to make a quick repair for my lucky home owners)................. I have two children currently enrolled in our NYS University system (SUNY) and come from a large family (8 brothers and sisters) where the rule of the day was kindness and sharing (yeah right). No really my mom dedicated her life to making sure she instilled in us strong family and community values that would enable each of us to live happy and successful lives. With all the horrible family stories that we see on the media every day I am always grateful for the opportunities that I enjoy.

Professional Interests

Interest in Senior advocacy.

Making sure our senior population receives the care they need and deserve. Our senior community is now thankfully living longer lives but with that they are experiencing health problems that challenge their ability to live independently. This is a national crisis that is just now being looked at but in the meantime we have many vibrant seniors in every community that need assistance NOW. I am committed to educating myself and others on available options that can help our seniors live at the highest level possible and still meet their personal needs.

Interest in Real Estate Education

With the real estate market changing on a sometimes daily basis, I have committed myself to self education at all times, and have mentored new agents so that they also may have the highest level of skill to offer their clients.

I make absolutely sure that my clients, both buyers and sellers, clearly understand everything they need to know about buying and selling real estate so that they can make an educated and informed decision about their real estate endeavors.