Across the Association
JUL/AUG 2026
21st Century Road to Housing
Legislative Update
Value of the MLS
TRADE SHOW
OCTOBER 9
Crowne Plaza AlbanyThe Desmond Hotel
REGISTRATION
Register at www.gcar.com
Early Bird: $25 (until 9/7)
General Admission: $30
RPAC VIP Lounge: $50
SCHEDULE
11:30am - 12:30pm | Keynote Presentation
12:30pm - 3:30pm | Exhibit Hall
12:30pm - 3:30pm | RPAC VIP Lounge
3:30pm - 4:30pm | Cocktail Reception
EVENT HIGHLIGHTS
Networking, networking, networking!
PLATINUM SPONSORS
RPAC VIP Lounge
Silent auction
Prize giveaways, including dues
Complimentary reception
WWW.GCAR.COM/TRADESHOW
Laura Burns, CEO
OFFICERS
Kirsten Blanchard, President
Michelle Poccia, President-Elect
Jennifer Mentiply, Secretary-Treasurer
DIRECTORS
Susan Cerone
Lisa Licata
Felton McLaughlin
Lorenzo Murray
Kathie Spangler
Haleh Struzinsky
Melissa Woodcock
Christopher Wright
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.
Building Momentum for Homeownership
Summer has arrived in Upstate New York, and there is no better place to enjoy the season. From our lakes and rivers to our charming small towns and scenic back roads, our region offers something for everyone. It is easy to see why so many people choose to vacation here, and I am always happy to spend this time of year exploring our own backyard.
The real estate market continues to keep us busy. While inventory challenges remain, buyers are still determined to find the right home, and REALTORS® continue to guide them through the process with professionalism and expertise.
There is also encouraging news from Washington. The recently enacted 21st Century ROAD to Housing Act is the result of years of advocacy by the National Association of REALTORS® and members across the country. During the REALTORS® Legislative Meetings, thousands of REALTORS®, including members of our own delegation, met with lawmakers to advocate for policies that address housing supply, affordability, financing, and homeownership opportunities.
This legislation represents meaningful progress toward expanding housing opportunities and helping more families achieve the dream of homeownership. While there is still work to be done, it is exciting to see momentum building on issues that matter to our industry and the communities we serve.
Thank you for all you do every day to help buyers and sellers navigate one of life’s most important milestones. There are few professions more rewarding than handing someone the keys to their new home and helping them begin the next chapter of their lives.
Kirsten Blanchard 2026 GCAR President
DATES TO REMEMBER
September 10
RPAC Autumn Soiree
Altamont Vineyard
September 15–18
NYSAR Fall Business Meetings
Turning Stone Casino
October 9
GCAR Trade Show
Crowne Plaza - Desmond Hotel
October 15
RPAC Psychic Social
Location TBD
October 21
Global MLS Annual Meeting
November 6-8
NAR NXT
New Orleans, LA
November 19
GCAR Annual Meeting
December 7-10
Triple Play
Atlantic City, NJ
For additional information, visit GCAR.com/events
GCAR Honors Sandy Nardoci During General Membership Meeting
During the General Membership Meeting on June 24, GCAR presented a donation to the CDYMCA Circle of Champs in memory of longtime GCAR member and Circle of Champs co-founder Sandy Nardoci, who passed away in December 2025.
The Circle of Champs is dedicated to improving the quality of life for families with children facing lifethreatening illnesses. The organization’s programs and services are made possible through the generosity of donors and the dedication of countless volunteers.
The presentation served as a meaningful tribute to Sandy’s lasting legacy of service and compassion, recognizing the profound impact she made on both the real estate community and the families supported by the Circle of Champs.
Left to right: Laura Burns, CEO, GCAR; Mark Audino, Circle of Champs; Heather Manthey, CDYMCA, Joe Nardoci; Lisa Wolcott, Executive Director, Guilderland YMCA; and Kirsten Blanchard, GCAR President.
GCAR Supports Five Local Charities
On July 1, representatives from the Regional Food Bank, Interfaith Partnership for the Homeless, CAPTAIN Community Human Services, Camp BraveHearts, and the Albany Ride for Missing Children received donations from the REALTORS® Community Outreach Fund.
These donations are made possible through the generosity of GCAR members. Each year, your support of the Community Outreach Fund helps provide valuable assistance to organizations that make a meaningful difference throughout our community. Thank you for helping us give back.
row
Development
Interfaith Partnership for the Homeless; and Kirsten Blanchard, GCAR President. Back row: Sherry Marr, GCAR Community Relations Committee Liaison, along with Community Relations Committee members Jessica Hauprich, Jonie Civill, and Judy Kaiser.
Toiletry Drive Benefits Interfaith Partnership for the Homeless
GCAR members also demonstrated their generosity by donating more than 20 bags of essential toiletry items for Interfaith Partnership for the Homeless. Donations included towels, laundry detergent, razors, toothpaste, deodorant, shampoo, lotion, socks, and other everyday necessities.
Bonnie St. Onge, Chief Development Officer for Interfaith Partnership for the Homeless, expressed her gratitude for the overwhelming support, noting that GCAR’s partnership plays an important role in providing critical services through the organization’s emergency shelters, housing programs, and community outreach efforts.
Thank you to everyone who contributed. Your generosity continues to make a lasting impact on the lives of those in need.
Front
(left to right): Laura Burns, CEO, GCAR; Bonnie St. Onge, Chief
Officer,
KEY LEGISLATIVE AND LEGAL DEVELOPMENTS AFFECTING NEW YORK REALTORS®
By Connor Gillis Government Affairs Rep, NYSAR
Staying informed on legislative and legal developments is essential in today’s real estate market. Here’s a look at several recent state and federal updates that could impact REALTORS®, property owners, and homebuyers across New York.
Federal Court Upholds All-Electric Buildings Mandate
A federal appeals court has upheld New York’s law requiring most new buildings to be constructed without natural gas appliances. The law was challenged by natural gas and construction industry groups, which argued it conflicted with the federal Energy Policy and Conservation Act (EPCA).
Governor Kathy Hochul had delayed implementation of the mandate while the case was pending. With the court’s ruling, the state has indicated it will begin enforcing the requirement 120 days after the decision. The case could still be appealed to the U.S. Supreme Court.
NYSAR Priorities Advance Before Session Ends
The New York State Legislature has officially concluded its 2025–2026 legislative session and is not expected to return until January 2027. During the two-year session, lawmakers introduced more than 21,000 bills, with approximately four percent ultimately passing both houses.
Among the legislation approved were three key New York State Association of REALTORS® (NYSAR) priorities:
• Housing Development: Reforms to the State Environmental Quality Review Act (SEQRA) for certain housing projects to help reduce delays.
• Broker Licensing: The experience requirement to become a licensed real estate broker will increase from two consecutive years to four years as a licensed real estate salesperson.
• Private Listings: Listed residential properties must be publicly marketed on consumer-accessible platforms. Private or off-market marketing will only be permitted when the seller provides informed, written consent using a standardized state disclosure form.
NAR Supports Challenge to Rent Stabilization Law
The U.S. District Court for the Southern District of New York has granted the National Association of REALTORS® (NAR) permission to file an amicus brief supporting housing providers challenging New York’s Rent Stabilization Law.
NAR, joined by NYSAR, is supporting plaintiffs who argue that restrictions on vacancy rent increases under the law amount to an unconstitutional taking of private property under the Fifth Amendment.
HUD Announces FHA Policy Updates
The U.S. Department of Housing and Urban Development (HUD) has announced 14 policy changes to the Federal Housing Administration’s (FHA) Single Family mortgage insurance program.
The changes are designed to lower costs, reduce regulatory burdens, and improve housing affordability. REALTORS® have long supported efforts to modernize FHA policies that responsibly expand access to credit, simplify the lending process, and help more qualified buyers achieve homeownership.
Historic Housing Legislation Brings New Opportunities for New Yorkers
The housing challenges facing New York are well known. Limited inventory, rising home prices, affordability concerns, and barriers to homeownership have made it increasingly difficult for many families to buy a home. A new federal law aims to address many of these challenges.
The bipartisan 21st Century ROAD to Housing Act was signed into law following years of advocacy from the National Association of REALTORS® (NAR), state and local REALTOR® associations, and thousands of REALTORS® across the country. The legislation represents one of the most comprehensive federal housing packages in decades, containing nearly 50 bipartisan provisions designed to strengthen the nation’s housing market.
The law focuses on five key priorities: increasing housing supply, improving affordability, expanding access to homeownership, strengthening housing finance, and supporting veterans.
For New Yorkers, where many communities continue to experience historically low housing inventory, these changes could have a meaningful impact. By encouraging new housing development and reducing barriers to building, the legislation is expected to help increase the number of homes available for purchase over time. While no single law will solve the housing shortage overnight, expanding supply is one of the most effective ways to improve affordability and create more opportunities for buyers.
First-time homebuyers may also benefit from measures intended to improve access to financing and remove obstacles that often prevent qualified buyers from entering the market. Veterans and military families will see additional support through housing programs designed to make homeownership more attainable.
The legislation also recognizes the importance of stable housing finance systems that allow lenders, borrowers, and communities to navigate changing market conditions while maintaining confidence in the housing market.
The passage of the bill reflects years of advocacy by REALTORS® across the country. During the REALTORS® Legislative Meetings in Washington, D.C., hundreds of REALTORS® met directly with Members of Congress to share firsthand experiences from their local markets. These conversations helped demonstrate how inventory shortages and affordability challenges are affecting communities nationwide, including here in New York.
Advocacy remains one of the most important member benefits of REALTOR® associations. By working together at the local, state, and national levels, REALTORS® continue to serve as trusted voices for policies that support property ownership, healthy housing markets, and strong communities.
BY THE NUMBERS
21ST CENTURY ROAD TO HOUSING ACT
NEARLY 50 BIPARTISAN HOUSING PROVISIONS
FIVE MAJOR PRIORITIES
646 MEETINGS between REALTORS and Members of Congress during the 2026 REALTORS® Legislative Meetings
2
YEARS of coordinated advocacy by REALTORS® and Federal Political Coordinators (FPC)
first-time buyers
Confronting Real Estate’s ‘Very Destructive’ Narrative
By Meghan Roos Editor, Real Estate News
Brown Harris Stevens CEO Bess Freedman draws a clear line between private listings and PLNs: “You have to be honest” about days on market, she says.
Eight years into her role as CEO of Brown Harris Stevens, Bess Freedman remains hopeful about the future of residential real estate — even after the disruption of litigation, consolidation and challenging market conditions over the past few years.
“What makes me optimistic is that the market is always here to serve the consumer,” Freedman said during an appearance on the National Association of Realtors’ latest “Change Agents” podcast. “Because we serve our consumers — our buyers, our sellers, our renters — at the highest level, I think there will always be a place for what we do.”
With the industry in its current state of flux, Freedman shared her thoughts on some of the biggest trends and debates that are impacting top-level executives and agents alike.
What ‘professionalism’ really means: Some real estate leaders have raised concerns about the decline of professionalism within the industry, due in part to its low barrier to entry.
So how does Freedman define professionalism? Timeliness, communication, showing up both in the office and for clients — all of these variables are “crucial,” she said.
As for her “fundamental golden rule”?
“Put your client first — they come before everything,” Freedman said. “We’ve lost a little bit of that, and here we really try to instill that with our execs and our agents and admins.”
The pros and cons of teams: Research indicates that teams are on the rise — and they “can be very successful,” Freedman acknowledged. But they’re not for everyone.
“You have to decide what your flow is and what will make you the most successful,” she said, adding that this depends “on your personality” and on local market conditions.
In some cases, a seller may prefer an individual agent because “they want to know who the person is, who they’re communicating with, who’s showing the apartment,” she noted.
“It just depends on what works for you.”
In defense of private listings …: As a luxury residential real estate brand, Brown Harris Stevens has worked with sellers who don’t want wide exposure for their home listing because they have a high public profile or are dealing with a sensitive life change.
“We’ve been doing that for a long time,” she said. “What we do is: We have the listing, we make phone calls to other agents who may have a buyer, we vet them, we make sure they’re not going to talk to the press — sometimes we have them sign NDAs — and then we sell the home quietly.”
Private listings are used for discretionary purposes — “and we respect that.”
… but not PLNs: A private listing network, on the other hand, is “a different sort of animal.”
“It is not really being transparent with the marketplace, because they’re hiding days on market,” Freedman said, adding that she finds “real issue” with this listing approach.
“Access to housing is the underpinning of a free and fair market,” she said. “I think you’re going to have all sorts of issues with fair housing. I just think there’s so many legalities.”
The average consumer doesn’t really understand the strategy, she added, and is “being fed a narrative that I think is very destructive to our industry.”
“Days on market is a thing — you have to be honest about it.”
Copyright Real Estate News. Reprinted with permission.
Defining and Communicating the Value of the Multiple Listing Service
By: Sam DeBord, RESO CEO
Every professional involved in the real estate industry should understand and be able to talk fluently about the MLS’s true purpose and value.
What is an MLS? On the surface, the answer seems simple. A multiple listing service is a marketplace where brokers and agents help consumers buy, sell and rent homes.
But the real estate marketplace isn’t simple. Often, high profile trends absorb the industry’s focus and obscure the image of the MLS. Powerful technology companies use MLS outputs to drive attention-grabbing products and services. News headlines highlight organizations challenging traditional MLS practices in data sharing and compensation.
In light of this uncertain, ever-changing environment, a casual observer might ask, “What is the existential value of an MLS?” The truth is, the MLS has provided an abundance of value over the past century that explains its broad appeal and its continued relevance.
Being able to succinctly communicate the many benefits of the MLS in a modern environment—with historical context, and even from an international perspective— is critical for brokers and MLS leaders to ensure that transparent, liquid marketplaces continue to serve their communities. In fact, any professional who’s involved in the real estate profession should be prepared to describe the value of the MLS.
What an MLS is Not
It’s often helpful to begin defining something by identifying what it isn’t. Oversimplified descriptions of the MLS are common. The MLS is not:
• A database
• A website or app
• A network for commission payments
• A REALTOR® association
While all of these things can exist adjacent to an MLS, or as features of it, they are inaccurate descriptions of the organization. Twenty years ago, former National Association of REALTORS® CEO Terry McDermott challenged association and MLS leaders to clearly understand the MLS with words that ring true today: “They have to make sure their members fully understand the MLS system and how it operates—that it’s not just a collection of electronic listings. ... If we keep cheapening the MLS system and commoditizing the MLS by saying it’s just an aggregation of listings, we’re going to inherit a very negative end result.”
The MLS Cooperative
At its core, an MLS is a broker cooperative: an organization in which multiple competitive companies agree to abide by shared rules. This cooperation agreement empowers MLS participants to provide superior professional services and access to inventory for their clients.
Three core components of an MLS are central to its definition:
• Multiple licensed brokerage organizations
• Exclusive listing agreements between brokerages and their clients
• An organization that establishes the rules and compliance mechanisms that ensure brokers and their customers and clients cooperate efficiently within its environment
MLSs provide many offerings. The most valuable services are those that are grounded in the cooperative rules of the MLS. MLS rules have benefits similar to those of a stock market. Rules for a stock market regulate who can
broker products, what they can sell, and what information must be provided about the products. The outcome of compliance with these rules is a market that buyers and sellers can trust: transparent, timely, accurate information about broadly aggregated inventory.
Rules-Based Services of an MLS
Rules for securities markets are set by government agencies, as are many of those for licensed real estate brokers. Industry organizations such as NAR, local REALTOR® associations and MLSs create additional rules through their subject matter expertise in the day-to-day business, further enhancing consumer marketplaces. Among the rules set:
• Solicitation of listings
• Forms and disclosures
• Listing input and updates
• Signs, advertising and open houses
• Usage of MLS-wide data (IDX, VOW, BBO)
• Marketing of property information
• Access via electronic keys and keyboxes
• Property showings and offer submission
• Earnest money distribution
• Closing of listings and transactions
• Dispute resolution
• Penalties and fines for noncompliance
This list is just the services you might find defined in an MLS’s rule set. There are many other features of an MLS that brokers access regularly, such as:
• Tax records
• CMAs
• Listing alerts
• Statistical reporting
• Training and education
• Safety programs
• Industry news
• Political and regulatory advocacy
So although headlines about changes in data and compensation rules may bring some uncertainty about the MLS’s place in the industry, the plethora and importance of services that it brings to the market ensures its continuity. Being able to express the stability these services will continue to provide to markets should be a priority for every professional involved in communicating the value of an organized real estate industry.
The MLS, Defined From a Historical Perspective
The NAR library and archives team recently completed a history of the MLS. There are records, starting in 1885, of MLSs in San Diego, Cleveland, Cincinnati and Chicago.
The first national focus on the MLS was in 1912 when the
immediate past president of the National Association of Real Estate Exchanges (NAR’s original name), Samuel Thorpe, called on all local boards to take part in the “exclusive agency and multiple listing plan.” Thorpe called it “the only modern, sane and effective method of selling real estate both in the interest of the broker and of the owner and purchaser.”
In 1916, the association’s name changed to the National Association of Real Estate Boards, and by 1924, NAREB had published “The Organization and Administration of a Multiple Listing System.” It defined the MLS as:
• A method of exchanging exclusive contracts for the sale of property between brokers
• An assurance that the listing broker retains the exclusive listing contract
• An effort to make all real estate a more liquid commodity
Those core values are a mirror of today’s MLS. They solve the same two primary marketplace problems.
• Sellers’ and buyers’ exposure to each other is limited without an agreement by brokers to cooperate in selling listings.
• Without rules to regulate interactions in the marketplace, consumers are unprotected from unethical practices that could harm them financially.
The MLS was created alongside REALTOR® professional associations to improve not just the business environment for brokers but also consumer protections for buyers and sellers.
Behind the Scenes of the MLS’s Success
The benefits of an MLS are largely dependent upon its members’ adherence to rules. An MLS’s ability to enforce its participants’ rule set defines its success.
While this is one of its least publicized values, the MLS’s compliance practices can be compared to a nation’s enforcement of laws—just as critical to an orderly society as they are to a working marketplace.
Consistency in information, services and participant experience is directly reliant upon this conformance with rules. Compliance processes to ensure that the cooperative’s regulations are followed are a key element in defining an MLS.
Variations on MLS Definitions
Many organizations have their own specialized definitions of an MLS. NAR’s policy definitions of an MLS have evolved over time alongside national policy updates. Current NAR MLS definitions include references to orderly accumulation
and dissemination of information, offers of compensation, and contributions to a common database for the purposes of sales, appraisals, analyses and valuations.
The Real Estate Standards Organization (RESO) tracks MLSs by the way they identify their unique technology systems and publishes a list of REALTOR® association–operated and independent MLSs. These MLSs have their data systems certified on RESO’s Data Dictionary and Web API standards, which allows their brokers to operate more efficiently in cross-market data partnerships and technology collaborations.
The most popular web portals all have their own technology-focused definitions of an MLS—and these are definitions that consumers are likely reading. Being aware of the different ways that MLSs are described can help a professional understand the customer’s viewpoint and deliver a nuanced explanation of what information is accurate and what might need more context.
A Global Perspective on MLS
In the U.S. and Canada, there are more than 500 MLS organizations. While they have some differing elements in their business models, they generally operate on the same core principles. Outside of North America, though, these core concepts of the MLS are literally foreign to most marketplaces.
It’s assumed in the U.S. that the word “listing” in “MLS” signifies an exclusive listing agreement. But in many countries, exclusive agency and exclusive listings are rare or nonexistent. In these markets, what is called an MLS usually looks more like a web portal. These entities are often just websites full of advertisements—their accuracy and timeliness is largely unregulated—and they include only a fraction of the available properties for sale. Global real estate practitioners who’ve worked in these environments consistently express their desire for the stability that a true MLS brings.
The 2023 International MLS Forum was evidence of this desire. The event attracted representatives from 33 countries and five continents. The content’s primary focus was on technology improvements through data standards and MLS systems. RESO and the Council of Multiple Listing Services led the discussions on creating liquid, trusted markets through rules and transparency.
The overwhelming consensus of the forum was that these
countries’ practitioners want the core elements of the MLS to bring consistency and certainty to their markets. Brokers and trade organization leaders stressed the benefits that ring true, no matter the country of origin:
• Transactions are faster and more efficient.
• Data is more accurate, timely and reliable.
• Outputs become more informative and lead to better decision-making.
• Professionals and consumers experience a market that promotes transparency and fairness and offers a broad array of services.
The value of an MLS to national and cross-border transactions was echoed by not only international real estate industry stakeholders but also banking, legal, investment and government representatives. Despite disputes on specific elements of the MLS in North America, the general model is viewed by the world as a monumental benefit to markets.
MLS in the Future
Just as the services, policies and definitions of the MLS have shifted over the past century, they will continue to change. The real estate industry is moving through some dynamic phases of technology, law and practice. The way brokers advertise homes, interact with clients, get paid for their work and develop new business will all likely change over time.
If you’ve ever sold anything in an online marketplace, you know that trust is a critical element. With something as large and complex as the selling and buying of real estate, the professional guidance, representation and cooperation provided through MLS is essential.
Leaders of MLSs, associations and brokerage organizations have the opportunity to face inevitable changes head-on. Communicating the many strengths of the MLS that have endured through an ever-changing industry adds clarity and confidence for all participants in the MLS ecosystem. It strengthens the industry’s professionals and the services they provide to consumers.
What is an MLS? It’s much more than a popular technology tool or a passing business trend. The MLS is what makes the market work. Copyright
Multiple Listing Services make it possible for aspiring homebuyers to access nearly all homes for sale in their market, using any real estate professional they choose.
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
10oneproductions.com Aaron@10oneproductions.com
1st National Bank of Scotia 201 Mohawk Ave Scotia, NY 12302
518-370-7117
www.firstscotia.com krbuhrmaster@firstscotia.com
Ace Home Inspections 110 Wolf Rd, Suite 102 Albany, NY 12205
518-727-7091
acehomeny.com acehomeny@gmail.com
Adirondack Basement Systems
80 Sheehan St Mechanicville, NY 12118
518-371-9621
www.adirondackbasement.com jayden.hamilton@adirondackbasement.com
American Financial Network
500 Craig Rd, Ste 202 Manalapan, NJ 07726
518-469-1200
www.afncorp.com/web/bobtuttle rtuttle@afncorp.com
Arnoff Moving & Storage 10 Stonebreak Rd Malta, NY 12020
518-463-5525
www.arnoff.com dfeldman@arnoff.com
Arrow Bank
1250 Glen St
Glens Falls, NY 12801
518-415-4212
www.arrowbank.com liz.wilcox@arrowbank.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
Celtic Mold Assessments 863 Route 212 Saugerties, NY 12477
845-853-4840 www.celticiaq.com • info@celticiaq.com
Clean Green Hauling & Removal
46 Timber Terrace
Ballston Spa, NY 12020
518-338-4439
www.cleangreenremoval.com keith@cleangreenremoval.com
Clean Isles 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
Cutco Closing Gifts 21 Cliff St Hastings on Hudson, NY 10706 518-755-5701 americanknifeguy.com aaron@americanknifeguy.com
Deangelus Group, PLLC 3 Corporate Drive, STE 204
Clifton Park, NY 12065 518-631-6400 x101 www.dglawny.com/ karen@dglawny.com
Edgeco Environmental 136 Columbia St
Cohoes, NY 12047 • 518-235-5687 www.edgecoenvironmental.com edgecoenv1@gmail.com
Empire Insurance 610 Union Street Schenectady, NY 12305 518-350-0511 www.ridewithempire.com joe@myinsurance.agency
Excelsior Restoration Services
433 Geyser Rd Ste 4 Ballston Spa, NY 12020
518-288-3699 excelsiorrestoration.net jim@excelsiorrestoration.net
First New York Federal Credit Union 2 Wall Street
Albany, NY 12205 518-393-1236 firstnewyork.org gina.kubow@firstnewyork.org
GoRascal, Inc.
376 Broadway, Ste 17 Saratoga Springs, NY 12866 518-791-4595 team.gorascal.com/heidi heidi@gorascal.com
Grace Roofing 895 Delaware Ave Delmar, NY 12054 518-209-4224 www.graceroofinginc.com graceroofinginc@gmail.com
Hinman, Howard & Kattell
10 Airline Dr, Ste 205 Albany, NY 12205
518-869-5552
www.hhk.com cfisher@hhk.com
Homestead Funding Corp.
8 Airline Drive Albany, NY 12205
518-464-1100 x392 homesteadfunding.com dstagnitti@homesteadfunding.com
Hunt Mortgage 1750 US Route 9
Clifton Park, NY 12065
518-578-7073
www.huntmortgage.com/staff-member/ kimberly-hughes/ kimberly.hughes@huntmortgage.com
In-House Media
5 Autumn Court Gansevoort, NY 12832 518-350-4991 www.mhfphoto.com hello@mhfphoto.com
JDog Junk Removal & Hauling
15 Roys Way Argyle, NY 12809 518-944-0901 www.jdogjunkremoval.com/locations/ new-york/ dbearor@jdog.com
John Fox Inspections
418 Broadway Ste N Albany, NY 12207 518-605-5176
jfoxinspections.com john@jfoxinspections.com
JPMorgan Chase Bank
416 Balltown Rd
Schenectady, NY, 12304 518-281-0901 • andrew.rubino@chase.com
Key Bank 66 South Pearl St Albany, NY 518-257-8602 • www.key.com joseph_philippone@keybank.com
La Voie Insurance
440 3rd Ave Watervliet, NY 12189 518-526-8043 lavoieinsurance.com dlavoie@lavoieinsurance.com
LaChance Agency 498 Albany Shaker Rd Albany, NY 518-275-0300
lachanceagency.com erik@lachanceagency.com
M&T Bank
313 Ushers Rd
Ballston Lake, NY 12019 518-221-1145 www.mtb.com kgleason1@mtb.com
Maple Tree Funding
1202 Troy Schenectady Rd, Bldg 3 Latham, NY 12110 518-782-1202 www.mapletreefunding.com slatza@mapletreefunding.com
Monaco Cooper Lamme & Carr, PLLC 1881 Western Ave, Ste 200 Albany, NY 12203 518-855-3535 mclclaw.com jlamme@mclclaw.com
NBT Bank 52 Broad St Norwich, NY 13815 315-505-6572 ww.nbtbank.com mnorris@nbtbank.com
Organize Senior Moves 215 Delaware Ave Delmar, NY 12054 518-621-6568 organizeseniormoves.com office.manager@organizeseniormoves.com
Premium Mortgage
935 New Loudon Rd Latham, NY 12110 201-638-9804 premiummortgage.com kkamber@premiummortgage.com
PrimeLending
518-366-7999
lo.primelending.com/kristen.zorda kristen.zorda@primelending.com
ProManage Property Services 20 Hawkwood Ave
Ballston Lake, NY 12019 promanagepropertyservices.com jeff@promanageps.com
Quick Response Restoration 2095 Rte 9 Round Lake, NY 12151 518-365-2323 qrrestore.com bserafini@qrrestore.com
Quintessential Mortgage Group 11 Broad Street Glens Falls, NY 12803
518-376-8139
maureen@qmgllc.com
RE Tech Academy 517-214-3333
retechacademy.com todd@retechacademy.com
Saratoga Community Federal Credit Union
23 Division Street
Saratoga Springs, NY 12866 518-583-2323 x123 www.saratogafcu.org lmccoy@saratogafcu.org
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 Brothers That Just Do Gutters 20 Corporate Cr Albany, NY 12203 518-334-9127 patrick.neill@brothersgutters.com capital-district.brothersgutters.com
The Mortgage Place 646 Plank Road, Suite 102 Clifton Park, NY 12065
518-982-0480 x102 www.themortgageplaceinc.com jrussell@themortgageplaceinc.com
The Towne Law Firm, P.C.
500 New Karner Rd Albany, NY 12205
518-452-1800 • www.townelaw.com shalini.natesan@townelaw.com
Top Gun Inspection Services Group 47 Crestwood Drive Schenectady, NY 12306 518-956-0532
www.topguninspectionservices.com info@topguninspectionservices.com
Wells Fargo Home Mortgage 2500 Westchester Ave, 2nd Fl Purchase, NY 10577 941-285-1469
www.wellsfargo.com carla.hawkins@wellsfargo.com
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