Across the Association
Year In Review
We keep deals M O V I N G
SERVICES
Purchase, sale, and leasing of residential and commercial properties
Drafting and reviewing residential and commercial contracts
Title examination and title insurance
Chain of title disputes
Boundary line and survey issues
Zoning and Planning Board applications and appeals
Shalini Natesan, Esq. Partner & Leading Real Estate Attorney
shalini natesan@townelaw com
TLF represents buyers, sellers, businesses, banks, and commercial & residential lenders.
Our dedicated team of attorneys are quick, efficient, and responsive - everything you need to close deals faster.
Streamline the closing process for your clients; we handle all aspects of title inhouse.
Laura Burns, CEO
OFFICERS
Kathleen Sullivan, President
Melissa Woodcock, President-Elect
Kirsten Blanchard, Secretary-Treasurer
DIRECTORS
Felton McLaughlin
Jennifer Mentiply
Lorenzo Murray
Suzanne Prezio
Michelle Poccia
Dan Shepard
Kathie Spangler
Linda Yetto
The Greater Capital Association of REALTORS® is a professional trade association which provides its members with programs and services which enhance the members‘ ability to successfully conduct their businesses in a competent and ethical manner, promotes cooperation among its members, and promotes the public‘s right to own, use and transfer real property.
The Greater Capital Association of REALTORS® makes no warranties and assumes no responsibility for the accuracy of the information contained herein. The opinions expressed in articles are not necessarily the opinions of the Greater Capital Association of REALTORS®.
The Greater Capital Association of REALTORS® does not necessarily endorse the companies products or services advertised in the newsletter unless specifically stated.
CELEBRATING A YEAR OF CHANGE
As we approach the close of another year, I want to express my deepest gratitude for your dedication and contributions to the Greater Capital Association of REALTORS®. This past year has been defined by significant changes and a spirit of resilience. The NAR settlement marked the beginning of new business practices, and together, we have navigated these adjustments with cooperation and determination.
A heartfelt thank you goes out to everyone who served on committees and participated in our events. Your hard work and commitment have been vital to sustaining our association’s legacy. The many hours devoted by committee members have positively impacted not only GCAR but the broader community we represent.
I encourage each of you to stay engaged with our association. Your involvement enriches the organization and shapes the future of our industry through your unique perspectives and steadfast dedication. If you haven’t yet joined a committee, I invite you to do so here: gcar.com/committees/. Serving on a committee strengthens the bond between the association and its members, enabling us to work collaboratively to meet the needs of our community. Your leadership and input as a volunteer are crucial to
enhancing the member experience and ensuring the success of Capital Region REALTORS®.
As we enjoy the holiday season, please stay informed about market trends and association updates. Take a moment to read member communications and keep up with news and resources on our Facebook page and website, gcar. com.
Thank you for your trust, confidence, and the privilege of serving as your GCAR President. It has been an honor and a true pleasure, and I look forward to continuing our work together in the years ahead. Wishing you all a joyful and prosperous holiday season.
Kathleen Sullivan 2024 GCAR President
RENEW YOUR GCAR MEMBERSHIP TODAY
2025 Membership Dues and MLS Fees are due January 1, 2025
With a membership of nearly 4,000 REALTORS®, GCAR remains a strong organizational partner working to help members succeed in the real estate industry.
How do I pay my association dues and MLS fee? Visit www.gcar.com/dues for detailed instructions.
What is my User ID and Password?
Your user id is your 5-digit member number (the numeric portion of your Flexmls login id). For assistance, call GCAR’s membership team at 518-464-019.
Do I have to contribute to RPAC?
RPAC is a voluntary contribution. However, RPAC assures that issues and concerns related to the real estate industry remain a priority for public policymakers who can shape how you do business.
Do I have to contribute to the Community Outreach Fund?
No. The mission of the GCAR Community Outreach Fund is to promote the members as good community citizens by making financial contributions to local charitable groups that are housing-oriented or whose purpose is to make our community a better place to live.
CONTACT US
If you have questions regarding your membership account, please contact Member Services at 518-4640191 or membership@gcar.com.
Sympathies are extended to...
The friends and family of GCAR past president Doreen Ross, broker-owner of Doreen Ross Associates Real Estate, who passed away on November 2, 2024.
The friends and family of Christopher Laviano, GCAR member and broker-owner of Laviano Associates Real Estate, on the passing of his father on October 19, 2024.
Cold Calling Still Prohibited in New York
Unsolicited telemarketing sales call to any person in a county, city, town or village are still prohibited. You may still perform business to business calls so long as you are calling the number provided as the business number.
Attention Real Estate Professionals: File Your
Federal BOI Report Now to Avoid Penalties!
By January 1, 2025, over 32 million small businesses must file a Beneficial Ownership Information (BOI) report under the Corporate Transparency Act. This legislation requires most businesses, including real estate brokers and property managers, to disclose their beneficial owners to the Financial Crimes Enforcement Network.
Since the regulation’s implementation on January 1st, 2024, Wolters Kluwer BizFilings has successfully assisted many entities in the real estate industry with their BOI compliance.
To get started, visit: https://boi.bizfilings.com
NEW: Fair Housing Education Requirements
In May, the National Association of REALTORS® Board of Directors approved a new fair housing training requirement for members. Beginning in 2025, new members must complete two hours of training, and existing members must complete two hours every three years.
You can find classes to fulfill this requirement on the GCAR education calendar at gcar.com/ calendar
January 1
GCAR Membership Dues Deadline
January 9
GCAR Installation Dinner Mohawk Golf Club
February 2-6
NYSAR Mid-Winter Business Meetings
Crowne Plaza Albany
May 31 - June 5
NAR Legislative Meetings Washington, DC
For additional information, visit GCAR.com/events
STAY INFORMED: LEGISLATIVE NEWS FROM NYSAR
By Connor Gillis Government Affairs Rep, NYSAR
Tell Governor Hochul and Lawmakers You Oppose Mandating Fire Sprinklers
The State Fire Prevention and Building Code Council is proposing a new unfunded mandate requiring the installation of residential fire sprinkler systems in all new 1-2 family homes and townhomes. Among the issues of concern are the additional costs associated with installing and maintaining the system, particularly for those homes on well water.
Notably, state law already requires home builders to provide purchasers of newly constructed homes with information on the benefits and estimated costs associated with installing fire sprinklers, which NYSAR supported. Visit nysar.com to Take Action Now and tell Governor Hochul, your state lawmakers, and the Code Council to oppose mandated residential fire sprinklers in New York.
State Supreme Court strikes down law moving local elections to even years
On October 8, a state Supreme Court Justice struck down a state law moving many town and county elections in New York to even-numbered years to align them with state and federal races, following a lawsuit filed by Republicans in the state. The ruling said the law violated the state constitution and the rights of local governments to control their affairs.
New report details concerns with state’s emissions reduction goals
The Citizens Budget Commission released a report urging Governor Hochul and state lawmakers to modify the state’s 2030 emissions reduction goals required in the 2019 CLCPA law. The report expresses concerns with the affordability of the state’s “cap and invest” proposal, which would charge companies for emissions and invest the proceeds into clean energy programs and consumer rebates. Regulations to implement a “cap and invest”
program have been delayed repeatedly, and state officials are now targeting the end of this year to release a draft proposal.
Top elections forecaster David Wasserman speaks at NYSAR meetings
NYSAR welcomed David Wasserman as its General Session keynote speaker at this year’s NYSAR Fall Business Meetings at Turning Stone Resort in September. David Wasserman, Senior Editor & Elections Analyst for The Cook Political Report, provided REALTORS® with indepth political analysis heading into this year’s presidential election. Wasserman is recognized as one of the nation’s top election forecasters, is a contributor to NBC News, and has appeared on C-SPAN, CNN, Fox News, and NPR. You can watch his presentation for a limited time on NYSAR’s website.
2024 General Election Summary
Democrats in the State Legislature maintained large majorities in both the State Senate and Assembly following the November 5 general election. Incumbent state lawmakers fared well, by and large, with a few exceptions. Democrats have lost their supermajority in the New York state Senate. Democrats have secured 40 seats in the state Legislature’s upper chamber. Republicans flipped one seat in Brooklyn, with Republican Stephen Chan unseating Democratic state Sen. Iwen Chu. In the State Assembly, Democrats appear to have increased its supermajority under Speaker Carl Heastie to 103 seats (100 seats is needed for a supermajority). Several incumbent Assemblymembers lost their elections, including:
• Ed Flood (R) lost to Rebecca Kassay (D) – AD4
• Gina Sillitti (D) lost to Daniel Norber (R) – AD16
• Brian Curran (R) lost to Judy Griffin (D) – AD21
• John McGowan (R) lost to Aron Wieder (D) – AD97
• Monica Wallace (D) lost to Patrick Chludzinski (R) – AD143
RPAC REPORT
RPAC is the only professional organization in the country organized for REALTORS®, run by REALTORS®, and exists to promote issues important to REALTORS®. RPAC provides financial support to lawmakers and candidates who understand and support private-property rights and the real estate industry.
GCAR Members Honor Nina Amadon
On Thursday, November 14th, GCAR members gathered at Canali’s Italian Restaurant in Schenectady for an RPAC fundraiser honoring Nina Amadon. The event featured a heartfelt toast by GCAR President Kathleen Sullivan and CEO Laura Burns, with several members stepping forward to share stories and memories of Nina. The fundraiser successfully raised $4,335 for RPAC.
$83,246 YTD: $79,339 (95%)
1,368
1050 (76%)
$15 - $98
Club: $99 - $249
Club: $250 - $499
Club: $500 - $999
R: $1,000 - $2,499
R: $2,500 - $4,999
R: $5,000 - $9,999
R stands for REALTOR®. REALTORS® are members of the National Association of REALTORS®.
NAR’s consumer ad campaign tells the REALTOR® story— who REALTORS® are and the value you bring to clients and communities.
Leverage award-winning campaign assets on NAR’s Photofy app and at ThatsWhoWeR.realtor
Elaine Freedman Named 2024 GCAR Good Neighbor Award Winner
The Greater Capital Association of REALTORS® is committed to fostering community growth and support through volunteer efforts and financial contributions. Recognizing the importance of these contributions, GCAR launched the Good Neighbor Award in 2019 to celebrate exceptional members who go above and beyond in their service to the Capital Region. This year, we are honored to present the 2024 GCAR Good Neighbor Award to Elaine Freedman of Venture Realty for her decades-long dedication to community service.
Elaine has devoted more than 50 years of service to Temple Israel, where her contributions have deeply enriched the lives of seniors. Her roles have included organizing luncheons for the community after services and preparing food for the High Holy Days, a task she handles with remarkable commitment. Each year, Elaine personally selects, prepares, and beautifully packages holiday-appropriate food for over 60 seniors, delivering each gift with care—a true labor of love that exemplifies her generosity. She also visits members of the community who are sick or recovering, ensuring they feel connected and supported.
Beyond her involvement with Temple Israel, Elaine volunteers at a local soup kitchen, helping to provide warm meals to those in need, and she serves on the Board of Directors at Daughters of Sarah Nursing Home. Her steadfast dedication to GCAR over the years has greatly benefited our organization, further illustrating her commitment to improving the lives of others.
Elaine never seeks recognition for her service, but we are proud to honor her contributions with the GCAR Good Neighbor Award.
A BRIGHT LIGHT AMONG US
Introducing GCAR’s First Shining Star Award Recipient
In a year of exceptional achievements, the Greater Capital Association of REALTORS® proudly introduced the Shining Star Award to honor a shining star in the real estate profession. This accolade recognizes a newcomer who demonstrates extraordinary commitment, enthusiasm, and a passion for service—to GCAR, their firm, and the community. To qualify, recipients must have been licensed for 18 months or less and completed at least five transactions.
This year, GCAR’s inaugural Shining Star Award celebrates an individual who not only meets these criteria but exceeds them in every way: Marisa Multari, with Hunt Real Estate.
Marisa’s involvement with GCAR is nothing short of remarkable. Serving actively on two committees, she has proven herself an enthusiastic volunteer who’s always ready to lend a helping hand. Her peers describe her as a “golden ray of sunshine,” a colleague who puts others first regardless of her own circumstances.
Clients and fellow agents alike are drawn to Marisa’s warmth, professionalism, and unwavering support. Known for going above and beyond, she steps in to assist with showings, open houses, and events whenever someone is in need, regardless of which office they work in. Marisa’s generosity of spirit extends to cheering for others’ successes and providing heartfelt encouragement. Her signature “Heart-to-Heart Hug” leaves everyone feeling valued and respected.
Marisa’s dedication extends beyond her professional life. She actively contributes to more than a dozen local organizations and events, from the Northeast Regional Food Bank to the Salvation Army Bell Ringing. Her leadership roles are just as impressive—she serves on multiple boards, including the Northeast Kidney Foundation, Albany Rotary Club (where she is President), and the Capital Region Chamber Ambassador program.
Her annual volunteer efforts include supporting initiatives such as the Breast Cancer Walk, Operation at Ease, and Wreaths Across America, among many others. Marisa’s philanthropic spirit knows no bounds, making her a pillar of the community.
Marisa’s involvement spans a broad spectrum of causes:
• Albany Rotary Club – President
• Northeast Kidney Foundation – Board Member
• Capital Region Chamber Ambassador
• GCAR Community Relations Committee – Member
• GCAR REALTOR Political Action Committee – Member
• Hunt Real Estate Volunteer Liaison
These titles represent only a fraction of her contributions. Whether through volunteering, fundraising, or serving on boards, Marisa’s impact is profound and far-reaching.
Marisa Multari is more than a real estate agent; she’s a beacon of positivity, collaboration, and community spirit. Her tireless commitment to helping others embodies the very essence of the Shining Star Award.
Join us in celebrating the first-ever recipient of GCAR’s Shining Star Award, Marisa Multari, a true luminary in the real estate profession and beyond.
HONORING EXCELLENCE
2024 REALTOR® OF THE YEAR
The REALTOR® of the Year Award stands as one of the most distinguished recognitions in the real estate profession. It celebrates individuals who exemplify the highest standards of professionalism while making a profound impact on their communities.
This prestigious honor isn’t about production numbers—it’s about character, service, and commitment. The GCAR Awards Committee evaluates nominees based on their business accomplishments, ethical principles, and unwavering adherence to license laws, association rules, and the REALTOR® Code of Ethics. These qualities define the spirit of a true REALTOR®—someone who serves with integrity, leads with compassion, and embodies the best of the profession.
It is our great privilege to honor Jonie Civill of Civill Realty with the 2024 REALTOR® of the Year Award.
Jonie Civill has dedicated more than 30 years to the real estate profession, earning a reputation as a trusted advisor, ethical leader, and compassionate advocate. Her impressive credentials include the GRI (Graduate, REALTOR® Institute), CBR (Certified Buyer Representative), and SRES (Seniors Real Estate Specialist) designations, among others.
Her service extends beyond her clients; Jonie has been a steadfast member of the GCAR Professional Standards Committee, contributing to ethics and arbitration panels with an open mind and a commitment to fairness. Her approach is marked by an unwavering dedication to doing what’s right, always placing her clients’ best interests above all else.
Jonie’s influence isn’t confined to the real estate world. She is deeply involved in volunteer efforts throughout the Capital District, generously giving her time and energy to a variety of organizations. Her thoughtful nature and genuine care for others have earned her the respect and admiration of colleagues, clients, and community members alike.
As a broker-owner, Jonie has built a legacy of excellence, fostering a culture of respect and collaboration. Her kindhearted leadership and dependability have made her a treasured figure within the GCAR community.
Jonie Civill exemplifies the REALTOR® Spirit, embodying professionalism, ethics, and a heart for service. It is with great pride that we celebrate her as the 2024 Greater Capital Association of REALTOR® of the Year.
THE GCAR TRADE SHOW ON OCTOBER 10TH WAS A SUCCESS!
What brings REALTORS® more business? NETWORKING! Almost 300 members attended the GCAR Trade Show on October 10th. It is the largest networking event GCAR provides for its members to help establish corporate connections that benefit your clients and increase business.
Congratulations to all the prize winners!
Association Dues
Jessica Hurta, eXp Realty
Nicole Clare, Hunt ERA
Danielle Hoke, eXp, Realty
MLS Dues
Melissa Woodcock, Staged Nest Real Estate
Brian Miranda, Miranda Real Estate
Full Membership Dues
Michael Walters, Realty Solutions
Supra Lock Box
Cindy Quade, Signature One Realty Grp, LLC
Brian Sinkoff, Sinkoff Realty Group
Restaurant Gift Card
Kacey Pitcher, Miranda Real Estate
Passport Prize Winners
Cindy Quade, Signature One Realty Grp, LLC
Aubrey Talbot, Signature One Realty Grp, LLC
Joyce Brown, Red Dog Realty
Alison Anderson, Key Bank Mortgage
Tracy Brown, Miranda Real Estate
Biran Miranda, Miranda Real Estate
Kerry Loiselle, Sterling Real Estate Group
The Community Relations Committee supported the Troy Area United Ministries by raising over $2,300 through their silent auction. Thank you to the following people for donating baskets:
Drew Aiello
Julianne Couto
Jonie Civill
Gus Gillberg, Esq.
Brenda Hill
Judy Kaiser
David Lavoie
Sherry Marr
Marisa Multari
Ruth’s Chris Restaurant
George Slingerland
Diane Sluus
Susan Sommers
Kathleen Sullivan
Jennifer Taylor
Peter Tull
Marc & Carrie Weiss
Ron Zuba
Ambiance Florals
• Michele Peters
• Maureen McDonald
Miranda Charity Corporation
Miranda Real Estate
• Aju Abraham
• Donna Altieri
• Bobbie Belber
• Nancy Bobar
• Stacy Carey
• Anne Caron
• Reney Clifford
• Mindy Nan CohenDodway
• Terry Dobson
• Ginnel Gumani
• Carrie Hansen
• Amanda Hart
• Evelyn Hickok
• Melanie Kraus
• Velvet & Ed Kyle
• Melissa Matey
• Brian Miranda
• Melissa Petalas
• Tricia Rulison
• Chris Serafini
• Sandy Serafini
• Tina Thandi
• Leslie WarnerRafaniello
• Janet Wheeler
• Mary Wilson
The Realtor Political Action Committee (RPAC) hosted a VIP lounge with Ben & Jerry’s ice cream, psychics, headshots, massages, and manicures. The VIP lounge raised $6,000 for RPAC.
We extend our heartfelt thanks to the 2024 Trade Show Committee for ensuring the event ran smoothly!
Mary Bintz
Elisha Cleary
Toni Curley
Dominick DePasquale
Anne Dillenbeck
Laura Guillerault
William Kellert
Christina Sutherland
Cindy Taylor
Lisa Wallock
Kimberly Willsey
CELEBRATING 15 YEARS OF SPONSORSHIP: THANK YOU, EDGECO ENVIRONMENTAL!
We extend our heartfelt gratitude to Paul Pinkans of Edgeco Environmental for his unwavering support as a platinum sponsor for the past 15 years. His enduring friendship and remarkable generosity have greatly enriched our trade show, and we are truly grateful for his commitment and partnership.
2024
Making an Impact
YEAR IN REVIEW
In 2024, GCAR’s Community Relations Committee, led by Diane Sluus, made a significant impact through various volunteer initiatives.
On October 24, members partnered with Habitat for Humanity Capital District to build walls and fencing in Sheridan Hollow—a highlight of a year filled with meaningful efforts such as:
• Packing meals for the Regional Food Bank.
• Preparing dinner for Jack’s House residents.
• Supporting Double H Ranch for children with serious illnesses.
• Assisting Operation at Ease’s August bike ride for veterans and first responders.
• Restocking Free Fridges in Albany and Schenectady.
• Delivering toiletries to shelters across the Capital Region.
• Raising $2,600 for Troy Area United Ministries via a silent auction.
GCAR also distributed $16,800 to ten organizations through the Community Outreach Fund. As the year ends, the committee is adopting a Saratoga County family for the holidays, bringing joy to three children.
Advocacy in Action
The Legislative Affairs Committee, chaired by Cathy Griffin, had a productive year advocating for GCAR members and the real estate community.
In 2024, GCAR participated in NYSAR’s Lobby Day at the State Capitol, meeting with ten local lawmakers, including Senators Neil Breslin, James Tedisco, and Jake Ashby, and Assemblymembers Patricia Fahy, Scott
Bendett, Angelo Santabarbara, Mary Beth Walsh, Phil Steck, John McDonald, and Carrie Woerner.
Discussions focused on key legislative priorities such as:
• Good Cause Eviction legislation
• First-time homebuyer assistance programs
• The NY HEAT Act
• The telemarketing ban
Through active engagement, the committee ensured REALTORS® and the housing industry had a strong voice in shaping policy and supporting a vibrant real estate market.
RPAC
Under the leadership of 2024 RPAC Chair Susan Sommers, the REALTORS® Political Action Committee dedicated itself to increasing member engagement and awareness. Through a series of creative and well-attended events, the committee brought members together while emphasizing the importance of supporting the REALTORS® Political Action Committee.
This year’s highlights included:
• Bowling tournament
• Wine pull
• Cornhole tournament
• VIP lounge at the Annual Trade Show
• Nina Amadon Memorial Dinner
The results of these efforts are evident: as of November 18, GCAR RPAC has raised $74,988, achieving 90% of its $83,246 fundraising goal. Participation also grew by 2.4% over last year, with 1,048 members investing in RPAC, representing 27% of the total membership.
The committee’s work continues to build momentum, strengthening the collective voice of REALTORS® and ensuring that critical real estate issues are heard by decision-makers. Thank you to all who invested in RPAC this year—you are making a difference!
A Year of Growth and Learning
By the end of 2024, GCAR will have offered 127 classes and over 500 hours of Continuing Education credit, covering topics like Mortgage Processing, Fair Housing, Buyer Trends, and VA Loans.
Key focuses included the Law of Agency and Ethical Business Practices, with 15+ classes each, and seven
sessions for navigating new statewide and Global MLS forms, attended by 639 members.
GCAR partnered with NYSAR to provide free designation courses, including MRP, SRES®, PSA, and four GRI modules, as well as two CRS courses: Increase Wealth with Rentals and Other Investment Properties in April and First Time Home Buyer Specialist in September.
Highlights include 17 new classes, four new instructors, and Mediation and Professional Standards Training sessions.
Special thanks to Education Committee Chair Maria Connally and members for advancing real estate education!
Upholding Ethical Standards
In 2024, GCAR’s Professional Standards Committee, chaired by Marie Bettini, remained steadfast in upholding ethical practices within the real estate community.
The committee provided 38 ethics complaint packets to GCAR members and the public, resulting in 12 formal complaints. Of these, five cases were withdrawn, one was dismissed, and five hearings were conducted, with one more pending at the time of publication. The most commonly violated standard was Article 01 of the Code of Ethics, which emphasizes prioritizing clients’ needs while maintaining honesty with all parties.
Through diligent oversight, the committee reinforced the importance of professionalism and integrity in real estate.
GCAR AFFILIATE MEMBERS
Use this directory as a resource for products and services. Affiliates join monthly, so check each issue for updates. You can also search the online Affiliate directory by visiting GCAR.com/affiliate-members.
10 One Productions
518-487-9497
www.10oneproductions.com Aaron@10oneproductions.com
1st National Bank of Scotia 201 Mohawk Ave Scotia, NY 12302
518-370-7117
www.firstscotia.com japoulin@firstscotia.com
32 Mile Production – Filmworks
331 Round Lake Rd
Ballston Lake, NY 12019
845-597-4804
filmworks109.com chuck.fernandez@32mile.com
Ace Home Inspections
110 Wolf Rd, Suite 102 Albany, NY 12205
518-727-7091
acehomeny.com acehomeny@gmail.com
Arnoff Moving & Storage 10 Stonebreak Rd
Malta, NY 12020
518-463-5525
www.arnoff.com dfeldman@arnoff.com
Assured Partners
2880 US Highway 9
Valatie, NY 12184
518-783-8801
www.assuredpartners.com/valatie ryan.page@assuredpartners.com
Ballston Spa National Bank
990 State Route 67
Ballston Spa, NY 12020
518-363-8110
bsnb.mymortgage-online.com nancy.koval@bsnb.com
Bhumio PO Box 3872
Albany, NY 12203
518-429-7484
bhumio.com victoria@bhumio.com
Carey Home Inspection PO Box 1061
Averill Park, NY 12018
518-956-1078
www.careyhomeinspection.com don@careyhomeinspection.com
Clean Isle Home Inspections
350 Northern Blvd, Ste 324 Albany, NY 12204
518-914-8700
www.cleanisles.com mark.connal@cleanisles.com
Clearpath Mortgage Solutions
43 British American Blvd
Latham, NY 12110
518-389-7070
clearpathmortgages.com mike.rankin@clearpathmortgages.com
Community Bank NA 4781 State Highway 30 Amsterdam, NY 12010 518-380-3620 www.cbna.com toni.zidich@cbna.com
Concord Pools & Spas
156 Sparrowbush Road Latham, NY 12110
518-566-6499 concordpools.com bucky.jablonski@concordpools.com
Crosscountry Mortgage 105 Lake Hill Rd, Suite 4
Burnt Hills, NY 12027 518-469-1200 crosscountrymortgage.com/Robert-Tuttle robert.tuttle@myccmortgage.com
Cutco Closing Gifts 21 Cliff St Hastings on Hudson, NY 10706 518-755-5701 www.cutcoclosinggifts.com asahr09@yahoo.com
Deangelus Group, PLLC 3 Corporate Drive, STE 204 Clifton Park, NY 12065 518-631-6400 x101 www.dglawny.com/ karen@dglawny.com
Debut Property Staging PO Box 547
Slingerlands, NY 12159 518-313-0975 debutpropertystaging.com eileen@debutpropertystaging.com
DogWatch by Top Dog Pet Fence
410 Troy Schenectady Rd Ste 204 Latham, NY 12110
518-783-5678 x1 www.topdogpetfence.com ed@topdogpetfence.com
Dryer Vent Wizard
8 Napa Court Niskayuna, NY 12309
518-901-3694
www.saratogadryervent.com jcatino@dryerventwizard.com
Edgeco Environmental
136 Columbia St Cohoes, NY 12047 518-235-5687
www.edgecoenvironmental.com edgecoenv1@gmail.com
GoRascal, Inc.
376 Broadway, Ste 17 Saratoga Springs, NY 12866 518-791-4595 team.gorascal.com/heidi heidi@gorascal.com
Haus Capital Corporation
10 Blacksmith Dr, Ste 3 Ballston Spa, NY 12020 518-366-8608 www.hauscapitalcorp.com bryan@hauscapitalcorp.com
Hinman, Howard & Kattell 10 Airline Dr, Ste 205 Albany, NY 12205 518-869-5552 www.hhk.com jprout@hhk.com
Homeowners Advantage
4 Winners Circle Albany, NY 12205
518-928-8741
www.homeownersadvantage.com ecruz@homeownersadvantage.com
Homestead Funding Corp.
8 Airline Drive
Albany, NY 12205
518-464-1100 x392 homesteadfunding.com mholmes@homesteadfunding.com
In-House Media
5 Autumn Court Gansevoort, NY 12832
518-350-4991
www.mhfphoto.com hello@mhfphoto.com
J Squared Home Inspections
518-669-1574
www.jsquaredhomeinspections.com Jordan@jsquaredhomeinspections.com
Key Bank
66 South Pearl St Albany, NY 518-257-8602
www.key.com harjit_m_earnest@keybank.com
La Voie Insurance
440 3rd Ave
Watervliet, NY 12189
518-526-8043
lavoieinsurance.com dlavoie@lavoieinsurance.com
M&T Bank 313 Ushers Rd Ballston Lake, NY 12019
518-221-1145
www.mtb.com lmurphy2@mtb.com
Maple Tree Funding 1202 Troy Schenectady Rd, Bldg 3 Latham, NY 12110 518-782-1202
www.mapletreefunding.com slatza@mapletreefunding.com
Meri Light Photography, Inc. 227 Kingsley Rd Burnt Hills, NY 12027 518-754-1077 merilightphotography.com Meri@Merilightphotography.com
Metzwood Insurance
300 Great Oaks Blvd, Suite 300 Albany, NY 12203 518-392-5161 www.metzwood.com matt@metzwood.com
Movement Mortgage 120 West Ave, Ste 206 Saratoga Springs, NY 12866 518-368-4404
www.theannasmithteam.com anna.smith@movement.com
Navy Federal Credit Union 24 Sailfish Dr Groton, CT 06340
www.navyfederal.org brienne_ramos-dupuis@navyfederal.org
GCAR AFFILIATE MEMBERS
NBT Bank
52 Broad St Norwich, NY 13815
315-505-6572
ww.nbtbank.com aleo@nbtbank.com
NEST Environmental, LLC 863 Route 212
Saugerties, NY 12477 845-853-4840 www.nestpp.com jslater@celticiaq.com
New York Real Estate Photography 518-284-1400 nyrephotos.com matthew@nyrephotos.com
Northern Living 1849 State Route 9 Lake George, NY 12845 518-685-6569 www.northernlivingny.com info@northernlivingny.com
Premium Mortgage 935 New Loudon Rd Latham, NY 12110 201-638-9804 premiummortgage.com kkamber@premiummortgage.com
RE Tech Academy 517-214-3333 retechacademy.com todd@retechacademy.com
Rohan & Delancey, P.C.
18 Computer Drive, Ste 100 Albany, NY 12205 518-438-0010
brohan@rohanlaw.com
Salerno Law, PC
16 Round Lake Rd Ballston Lake, NY 12019 518-309-3404
salernolawny.com kim@salernolawny.com
Saratoga Community Federal Credit Union
23 Division Street
Saratoga Springs, NY 12866 518-583-2323 x123 www.saratogafcu.org lmccoy@saratogafcu.org
Saratoga National Bank & Trust Co.
171 Broadway Saratoga Springs, NY 12866 518-745-1000 x2921
www.saratgonational.com joy.rodriguez@arrowbank.com
SEFCU Mortgage Services
700 Patroon Creek Blvd. Ste 301 Albany, NY 12206 518-369-4815 www.sefcu.com mmoolick@sefcu.com
SMPR Title Agency, Inc.
50 Chapel Street Albany, NY 12207 518-867-7524 www.smprtitle.com beverly@smprtitle.com
Sunmark Credit Union 1187 Troy Schenectady Rd Latham, NY 12110 518-730-9070
www.sunmark.org eloisa.behnke@sunmark.org
The Dust Busters PO Box 4521
Clifton Park, NY 12065 518-728-7394 paula.dustbusters@gmail.com
The Mortgage Place 646 Plank Road, Suite 102 Clifton Park, NY 12065 518-982-0480 x102 www.themortgageplaceinc.com jrussell@themortgageplaceinc.com
The Reis Group 8 Stanley Circle, Suite #4 Latham, NY 12110 518-266-9966 reisinsurance.com cgranger@reisinsurance.com
The Towne Law Firm, P.C. 500 New Karner Rd Albany, NY 12205 518-452-1800 www.townelaw.com shalini.natesan@townelaw.com
Trustco Bank 518-374-4056 www.trustcobank.com ddepasquale@trustcobank.com
Wells Fargo Home Mortgage 43 N. Plank Rd Newburgh, NY 12550 845-440-2302
www.wellsfargo.com michael.waters@wellsfargo.com
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As a member benefit, NYSAR will continue to host FREE monthly legal updates via Zoom in 2025!
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