YOUr MEMBERSHIP TRIFECTA
THE THREE-WAY AGREEMENT
Education opportunities specific to your state
Legislative advocacy on issues affecting your state
Statewide community of real estate practitioners
State-level legal and compliance resources
The
Amplified
Unmatched
Access to NAR insurance for associations, af filiates and MLSs
Frontline resource for support, guidance and local market expertise tailored to your business
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Local networking and educational opportunities
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Nationwide, unified advocacy platform
Unmatched real estate research, information, expertise and education, including accreditations and designations
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Laura Burns, CEO
OFFICERS
Melissa Woodcock, President
Kirsten Blanchard, President-Elect
Michelle Poccia, Secretary-Treasurer
DIRECTORS
Susan Cerone
Felton McLaughlin
Jennifer Mentiply
Lorenzo Murray
Suzanne Prezio
Kathie Spangler
Haleh Struzinsky
Kathleen Sullivan
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 on 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.
On the cover: In June, GCAR leadership traveled to Washington, DC to attend the REALTOR® Legislative Meetings
EMPOWERING REALTORS®, ADVANCING FAIR HOUSING, BUILDING THE FUTURE
As we move through another transformative year in real estate, I’m honored and humbled to serve as your 2025 President of the Greater Capital Association of REALTORS®.
It’s no secret that our industry is evolving at an unprecedented pace. From shifting market conditions to regulatory changes and advances in technology, the role we play in our clients’ lives is more important—and more complex— than ever. But through it all, one thing remains steadfast: our shared commitment to professionalism, advocacy, and community.
At GCAR, we are working diligently to ensure that you are supported, informed, and empowered. Whether it’s through continuing education, legislative advocacy at the state and national levels, or expanding access to tools that make your business more efficient and effective, your association is here for you.
I’m also incredibly proud to announce the launch of GCAR’s Fair Housing Committee—a meaningful step forward in our ongoing efforts to promote equity, inclusion, and opportunity for all. This committee will focus on education, outreach, and accountability to ensure that fair housing remains a core pillar of our mission and a daily practice in the work we do.
In the coming year, I will continue to listen to your voices and work alongside our leadership to ensure GCAR remains a powerful, unifying force for good in our region. Our strength lies in our diversity of experience, of perspective, and of passion for serving others. Let us continue to lift one another up and lean into the values that brought us to this profession in the first place: integrity, transparency, and trust.
As we look ahead, I invite you to get involved, share your ideas, and support one another. Together, we are not just REALTORS®—we are leaders, advocates, and change-makers.
Thank you for the work you do every day. It is seen. It is valued. And it matters.
With appreciation and respect,
Melissa Woodcock 2025 GCAR President
DATES TO REMEMBER
September 14 - 17
NYSAR Fall Business Meetings
Turning Stone Casino
October 29
Global MLS Annual Meeting
Hilton Garden Inn - Clifton Park
October 30
GCAR Trade Show
Saratoga City Center
November 12
GCAR Annual Meeting
Crowne Plaza - Desmond Hotel
November 14 - 16
NAR NXT
Houston, TX
December 8 - 11
Triple Play
Atlantic City, NJ
For additional information, visit GCAR.com/events
GCAR Volunteers Support Operation At Ease PTS
Awareness Ride
Members of GCAR’s Community Relations Committee volunteered to direct traffic at the 7th Annual Operation At Ease PTS Awareness Ride on July 26. The event, escorted by the Colonie Police Department, featured a scenic ride for cars and motorcycles beginning and ending at Spitzie’s Harley-Davidson. Operation At Ease rescues shelter dogs and pairs them with veterans and first responders, providing free, guided training for service dogs specializing in post-traumatic stress and mobility support.
Need A Sign?
Did you know we sell signs, riders, and various other real estate accessories at the GCAR office? So, if you need a sign in a pinch, just stop by and pick one up at 449 New Karner Rd, Albany, NY 12205.
NAR Consumer Guides
Each one-page resource gives clients a handy overview of key aspects of the real estate transaction, like negotiating written buyer agreements and understanding offers of compensation. They’re an invaluable way to start conversations with and educate consumers.
>> Find them here: facts.realtor
Sympathies are extended to...
GCAR member Ginny O’Brien of Coldwell Banker Prime Properties for the passing of her husband, Mike O’Brien, on June 24, 2025.
Sympathies are extended to the friends and family of former, longtime GCAR member Mary Ann Blanchet upon her passing on July 9, 2025. She retired in 2001 following a 26-year career with Realty USA in Clifton Park, NY.
GCAR General Membership Meeting
Thank you to all the members who joined us for the June 25th General Membership Meeting at Shaker Ridge Country Club.
We’re especially grateful to GCAR General Counsel James Braman, Esq., for his informative legal update, and to guest speaker Reph Chorew for his engaging presentation on modern video marketing and AI trends.
A heartfelt thank you as well to everyone who donated gift cards to support Big Brothers Big Sisters and the Veterans Miracle Center. Your generosity will make a meaningful difference in the lives of those served by these incredible organizations. We appreciate your kindness and commitment to our community!
HOW AI IS GIVING REALTORS® THE EDGE IN A COMPETITIVE MARKET
Artificial Intelligence (AI) isn’t just the future—it’s transforming real estate today. From time-saving automations to instant content creation and seamless client communications, AI tools are becoming indispensable in every REALTOR®‘s toolkit.
But with every new technology comes a learning curve. Some agents are diving in headfirst, while others remain hesitant—unsure of its authenticity, reliability or the investment required to learn it. And a few still picture it as “Skynet” from the movies.
These hesitations are understandable. AI isn’t perfect, and it can feel impersonal if not used thoughtfully and overseen by a human element. But, when harnessed strategically, it can boost productivity, sharpen insights and streamline tasks—all without replacing the personal connection at the heart of real estate.
Let’s see what agents are using AI for and how RPR’s AI-powered tools can help you “wow” more clients and close more deals…
AI in real estate: more than just listing descriptions
At first, real estate agents began using AI primarily for writing tasks: listing descriptions, social media captions and email copy. And while that’s still a popular use case, today’s AI tools go far beyond that.
Here are just a few of the most valuable AI-powered platforms real estate pros are exploring:
• ChatGPT, Gemini and Claude: For content generation, scripts and brainstorming.
• Canva Magic Write and Adobe Firefly: To design visuals and marketing materials with speed and style.
• Jasper.ai and Copy.ai: AI writing tools tailored for marketing.
• Whisper and Otter.ai: For voice transcription and meeting summaries.
• REimagine Home: AI-powered staging and renovation previews.
• Structurely and Localize: AI chat and lead conversion tools.
These tools are making it easier than ever to communicate, market and analyze. And adoption is growing—because AI is not just for tech enthusiasts anymore. It’s for any agent looking to save time and elevate their business.
From hype to help: AI in RPR
AI can sometimes feel overwhelming, but tools like those offered in RPR (Realtors Property Resource®) are designed to be easy to use, practical and purpose-built for agents. As well as no extra costs involved! With a few clicks, agents can unlock rich insights and generate content that would otherwise take hours to create and they can do it in RPR with no hits to their pocketbook. Let’s explore how RPR’s AI offerings can help REALTORS® take their business to the next level:
Residential Market Trends ScriptWriter
This AI-powered feature helps agents create digestible market summaries based on hyper-local market data. Users can:
• Choose from different tones, including professional, engaging, conversational or friendly/casual.
• Target messages to buyers, sellers, both, first-time buyers, move-up buyers, investors, luxury sellers and more.
• Receive video scripts and social media posts, based on local market trends stats, that can be quickly shared on social channels, emails, websites or presentations.
It’s a game-changer for market updates and neighborhood expertise. Try it now.
Commercial ScriptWriter tool
Designed specifically for commercial real estate professionals, this AI-powered tool enables agents to create impactful Trade Area summaries and businessfocused presentations with ease. Users can:
• Choose from different tones, including professional, conservative, engaging or conversational.
• Target specific audiences such as city planners, business owners/tenants and investors.
• Select from multiple output options, including onepage summaries, detailed reports or presentation outlines.
It’s a powerful tool for simplifying complex market data and delivering it in a format that drives business decisions. Try it now.
AI Property Insights in the RPR Mobile App
Perhaps the most versatile of all, this tool allows agents to:
• Instantly generate a property summary based on property data.
• Pull from RPR’s Market Trends stats to give a basic understanding of market type, pricing comparisons and monthly inventory levels.
• Choose from several tones and client types.
• Share quick insights while on tours, at open houses or during initial conversations.
The AI button in any Property Details page brings professional polish and insight directly to your clients in seconds, right from your phone. Download the RPR app today!
AI still needs a human presence… yet the results are anything but artificial
AI amplifies what agents do best—delivering faster insights, deeper market understanding and more engaging client interactions. The best agents know that technology is most powerful when paired with experience, empathy and personal connection. RPR’s suite of AI tools enables REALTORS® to respond smarter, deliver value faster and lead in a competitive market.
As AI continues to evolve, if you embrace these tools thoughtfully, you won’t just keep up—you’ll stand out. And RPR makes it easier than ever to try them out and apply them to your growing business.
KEY POLICY UPDATES
By Connor Gillis Government Affairs Rep, NYSAR
Court: Landlords Have Constitutional Right to Repayment
On June 6, the U.S. Court of Appeals for the Federal Circuit denied the federal government’s petition for a rehearing in Darby v. United States, a case claiming the CDC’s eviction moratorium was unconstitutional under the Fifth Amendment. The decision marks a significant victory for property owners. By upholding the Darby ruling, the court maintains the legal framework that protects housing providers against uncompensated government takings and reaffirms that landlords have the right to pursue compensation claims for losses suffered during the CDC eviction moratorium. The case may still be reviewed by the U.S. Supreme Court, however.
Dorcey Applyrs Wins Democratic Primary for Albany Mayor
Chief City Auditor Dorcey Applyrs was victorious in a four-way democratic primary for Albany Mayor, besting candidates Dan Cerutti, Corey Ellis, and Carolyn McLaughlin. Current Albany Mayor Kathy Sheehan, who has served for 12 years, announced previously that she would not seek re-election. Applyrs has the inside track to get elected in November, as democrats have a significant voter enrollment advantage in the City of Albany.
In the democratic primary for Chief City Auditor, Sam Fein was the winner in a three-way contested primary. The other candidates in the primary were David Galin and John Rosenzweig.
NYSERDA Says NY May Need to Rely on Fossil Fuels Longer Than the Original CLCPA Goals
This week, Doreen Harris, President and CEO of the New York State Energy Research and Development Authority (NYSERDA), announced that the state has updated its draft energy plan to reflect the continued
need for New York to rely on fossil fuels over the next 15 years. Governor Kathy Hochul has also recently stated that the state cannot achieve the objectives of the CLCPA within the current timeframe of reaching 100 percent zero-emission electricity by 2040. The state is expected to issue the latest draft energy plan over the summer for public comment, which will continue through the fall.
REALTOR® Priority Bills Pass at the End of State Legislative Session
The State Legislature wrapped up its session on June 17, with NYSAR staff reviewing thousands of bills and tracking about 1,200 that affect REALTORS® and real estate. In the final days, NYSAR successfully saw the passage of two priority bills:
1. A.5886-C/S.6361-B limits residential listing agreements to two years with an option for renewals, addressing concerns about predatory long-term contracts.
2. A.7691/S.5197 raises the experience requirement to obtain a real estate broker’s license from two to five years, reflecting concerns over insufficient broker experience impacting transactions.
Both bills will be sent to Governor Hochul for consideration. Additionally, NYSAR successfully lobbied against harmful legislation, including the REST Act, which aimed to allow municipalities to declare housing emergencies for rent control, and a bill that would impose extra real estate transfer taxes for a Community Housing Fund.
Since 1969, the REALTORS® Political Action Committee (RPAC) has promoted the election of pro-REALTOR® candidates across the United States. The purpose of RPAC is clear: voluntary contributions made by REALTORS® are used to help elect candidates who understand and support their interests. These are not members’ dues; this is money given freely by REALTORS® in recognition of the importance of the political process. The REALTORS® Political Action Committee and other political fundraising are the keys to protecting and promoting the real estate industry.
Cornhole for RPAC
Our 2nd Annual Cornhole for RPAC Fundraiser, held on July 24 at Lionheart on the Green, raised $1,500 in support of RPAC.
We extend our sincere thanks to everyone who attended and contributed to the success of this event. Your support helps protect and promote the real estate industry through advocacy and action.
Fundraising
$83,806 YTD: 52,496 (62%)
777 (69%)
Investor: $15 - $98
99 Club: $99 - $249
Capitol Club: $250 - $499
Presidents Club: $500 - $999
Sterling R: $1,000 - $2,499
Crystal R: $2,500 - $4,999 Golden R: $5,000 - $9,999 Platinum: $10,000
From Risky Business to AI Brilliance: How to Make AI Your Real Estate Ally
By Colleen Campbell Founder and AI Strategist for A-Human-I
AI promises to revolutionize the real estate industry; however, like any transformative technology, it brings both opportunity and responsibility. Ditch the guesswork and learn how to build a responsive AI governance framework.
In today’s rapidly evolving landscape, real estate professionals face the same pressing questions: “How do I become AI savvy?” and “Which AI tools should I adopt?” This curiosity is well-founded as AI represents the most significant business transformation in decades, offering agents the potential to reduce costs, increase productivity and minimize administrative errors.
Many real estate companies are already leveraging AI applications, including:
• Conversational chatbots to support employee HR needs
• Auto-generated listings and purchase agreement preparation
• Candidate sourcing to support recruitment
• Enhanced Automatic Valuation Models (AVMs) with effective accuracy and speed
• Predictive analytics revealing market trends before they emerge
• Client-facing chatbots providing 24/7 responsiveness
• Virtual staging tools transforming property views
With innovation accelerating daily, professionals understandably worry about falling behind. There’s a growing urgency to master AI fundamentals and integrate these powerful tools into daily workflows and broader business operations.
AI promises to revolutionize the real estate industry with remarkable efficiency and insights. However, like any transformative technology, it brings both opportunity and responsibility. As organizations embrace these advancements, establishing thoughtful governance and appropriate guardrails becomes essential at the organizational and individual agent
levels to protect against financial risks, reputation damage, and potential legal complications.
Why Responsible AI Matters in Real Estate
AI tools process vast amounts of sensitive data – client financial profiles, personal details, property specifications, and market intelligence. They increasingly influence high-stakes decisions, from property pricing and mortgage eligibility assessments to marketing campaigns and client interactions. Without clear rules, oversight, and ethical guidelines, the potential for misuse or unintended consequences is enormous.
There are many regulations at the federal, state, and local levels that real estate organizations must consider when selecting and implementing AI products. These regulations are designed to ensure consumer protection, prevent discrimination, and safeguard data privacy. Here are some considerations when using AI responsibly:
• The Fair Housing Act: The FHA prohibits discrimination in housing-related activities—including property listings, lending, pricing, tenant screening, and marketing— based on protected classes such as race, gender, and national origin. Any AI system used in these areas must be designed and monitored to avoid both intentional and unintentional discriminatory outcomes.
• The Federal Trade Commission Act: The FTC also applies here in prohibiting unfair or deceptive practices. This includes the use of “black box or opaque” AI models, where the internal reasoning behind decisions is not easily explainable. If an AI system influences decisions affecting consumers—such as loan approvals or rental eligibility— its outputs must be transparent and accountable.
• Privacy laws: For example, the California Consumer Privacy Act (CCPA) grants California residents greater control over how their personal data is collected and used. AI systems that process personal data must comply with these requirements, including providing disclosures, honoring opt-out requests, and ensuring data minimization.
AI tools used in real estate must be continuously monitored for fairness, equity, and regulatory compliance. Organizations should adopt governance frameworks such as the NIST AI Risk Management Framework and others to assess bias, document decision-making processes, and ensure that security and human oversight is incorporated into AI tools.
The Risk for Real Estate Companies and Agents
Understanding the potential challenges of AI is your first step toward harnessing its power safely. While real estate companies are accountable for developing comprehensive safeguards, equipping agents with proper education creates an additional layer of protection. Here are some areas to prioritize:
• Data privacy: Real estate transactions involve some of life’s most sensitive information, from social security numbers to financial histories. AI systems can become prime targets for cyberattacks, especially when trained on large datasets that contain valuable sensitive datasets. Ensure your AI tools are secure and collect only the data necessary for the task.
• Algorithmic bias: Even the most sophisticated AI can inadvertently perpetuate existing patterns of bias. Imagine implementing an exciting new lead-scoring system that mysteriously deprioritizes specific neighborhoods, potentially violating Fair Housing standards while missing market opportunities.
• Accuracy and reliability issues: Over-reliance on flawed AI outputs can lead to poor business decisions. That lightning-fast AI writing assistant might sound impressive, but what happens when it pulls outdated school district information or incorrect zoning details? Suddenly, that time-saving tool becomes a liability, leading to misrepresentation. Remember, efficiency should never compromise accuracy.
• Lack of transparency or the “Black Box” problem: Many sophisticated AI models are incredibly complex, making it difficult for creators to understand precisely how they arrive at a specific output. When a client asks, “How did you arrive at this valuation?” or a regulator requires justification for a lending decision, vague references to complex algorithms won’t suffice. The inability to clearly explain AI-driven conclusions creates vulnerability in an industry that strives to be transparent and build client trust.
Ensuring AI compliance is a shared responsibility among developers, businesses, and users of the tech. For example, businesses that deploy AI are responsible for continuously monitoring the technology for compliance risks, performing impact assessments, and carefully reviewing vendor contracts to safeguard their legal and operational interests. When each party fulfills its role, the result is a more robust and trustworthy AI system that remains compliant not just at deployment, but over time.
Building Your AI Governance Framework: 9 Steps to Take Implementing effective AI governance in the evolving AI landscape can be tricky. But there are several regulatory laws, guidelines and governance frameworks which need to be followed based on your geographic location, customers, how you collect data, decisions your AI tools make and more., Some of the AI frameworks include the NIST AI Risk Management Framework, the EU AI Act, the OECD AI Principles, the ISO/IEC AI Management System Standard, Microsoft’s Responsible AI Standard, and the World Economic Forum’s AI Governance Toolkit and more. There are specific laws, guidelines and frameworks that need to be followed, but below are some of the foundational steps for responsible AI governance.
• Chart your course with a governance committee: Every journey needs a compass! For larger organizations, assemble a diverse team from IT (e.g., data, security, AI) and core functional leaders (e.g., human resources, legal, finance and marketing) to understand risks and create a strategic plan. Be sure to include those who are already using AI tools. Smaller companies may leverage key internal leaders as well as external experts. This committee will become your organization’s AI steward, overseeing your technology portfolio, conducting ethical reviews, ensuring AI value, allocating resources to prevent potential pitfalls, and embracing excellence. Ensure you have someone on your team, whether internal or external, with a strong AI governance background who understands the laws and knows how to structure the governance appropriately.
• Define your organizational AI principles and policies: As the saying goes, if you don’t set the rules, someone else will! Take a proactive approach by clearly documenting your organization’s stance on AI tools from internal systems like AVMs to popular external resources like ChatGPT. Create thorough but straightforward guidance covering acceptable use and protecting ethical boundaries that drive fairness, accountability, data handling guidelines, human oversight checkpoints, and transparency expectations.
• Make data governance your foundation: AI is only as brilliant as the data it consumes. Implement robust data management practices that answer the essential questions:
What information do we have? Where does it come from? Who can access it? Is it accurate, secure, and legally obtained? Are we collecting only the information we need? Give special attention to sensitive client information and ensure you have trustworthy hands managing this crucial asset.
• Have humans-in-the-loop reviews: While AI can impressively handle tasks independently, human judgment remains essential for high-stakes decisions and reputational information, such as market-facing materials, employment decisions, or finalizing pricing. Workflows require the appropriate human review for property valuations, AI-suggested contract clauses, complex client guidance, and any outputs with potential legal or fair housing implications.
• Assess and audit regularly: Before welcoming any new AI tool into your toolkit, examine it for potential bias, security vulnerabilities, accuracy limitations, and compliance risks. Build periodic reviews on your existing systems with acceptable parameters, as even the best model data can drift over time. Ask vendors tough questions about testing methodologies, transparency, and bias mitigation strategies.
• Champion transparency: Sophisticated AI systems often operate as “black boxes,” which means there is limited understanding of how conclusions were drawn from the inputs. So, request transparency from vendors about their AI reasoning process, what data it was trained on and where it comes from, and what safeguards are in place to protect against unexpected outcomes. Ask for documentation of this information and relevant insights into challenges they’ve encountered. Also, inform clients when using AI, whether they are engaging with a chatbot or their data is used in key decision-making and processing. Clients generally need to be informed about how their data is collected, used, and retained, and how they are impacted by AI. Informing clients with AI disclosures on listing descriptions or onboarding documents and using phrases like “AI-assisted valuation” or “chat support powered by AI” provides transparency, builds trust and is often legally required.
• Invest in agent and employee education and communication: Ensure everyone understands the basics of your AI tools, company policies, potential risks (especially regarding bias and privacy), and their role in responsible implementation. Remember that many employees feel uncertain about AI’s impact on their future—building trust through transparency and ongoing learning opportunities is key to enthusiastic adoption.
• Choose AI vendors wisely: That exciting property technology or “proptech” solution might promise revolutionary results, but have you examined their testing protocols for bias? Without proper due diligence, you
might unknowingly adopt an AI tool with inherent biases, poor security practices, or non-compliant data handling. A sophisticated AVM that consistently undervalues homes in historically marginalized communities creates serious liability for everyone involved in its use.When selecting proptech vendors, look beyond flashy features and attractive pricing. Examine their AI governance practices, training data sources, security certifications, privacy policies, and contractual accountability and obligations should you experience AI failures. Understand your risk exposure should anything go awry.
• Stay regulation-ready: The compliance landscape is complex, from core data regulations like the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and the Fair Housing Act to AI-specific regulations that continue to evolve rapidly. Anticipating future regulations requires constant vigilance. Using AI tools that are not compliant could lead to hefty fines and lawsuits.Assign someone to monitor evolving AI regulations at the local, state and federal levels, particularly regarding data privacy and fair housing. Use this intelligence to keep your policies current and your team well-informed.
The good news? With thoughtful implementation, clear governance frameworks and ongoing education, these risks become manageable rather than insurmountable obstacles. The goal isn’t to avoid innovation—it’s to embrace it responsibly, ensuring AI enhances rather than undermines real estate organizations’ commitment to fairness, accuracy, and trust!
Navigate the AI Revolution with Trust and Confidence
Artificial intelligence isn’t just changing our industry—it’s reimagining what’s possible. These powerful tools offer a world where real estate professionals can work with remarkable efficiency, uncover deeper market insights, and create truly personalized client experiences that were once the stuff of science fiction.
Remember, robust governance isn’t just about playing defense and compliance—it’s about creating trust with your clients, communities, agents, employees and regulators. When they know you’re approaching AI purposefully and responsibly, you’re building something more valuable than keeping up with the AI Jones. You are creating a brighter and more efficient real estate future for everyone.
Copyright NATIONAL ASSOCIATION OF REALTORS®. Reprinted with permission.
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
Adirondack Basement Systems 80 Sheehan St Mechanicville, NY 12118
518-371-9621
www.adirondackbasement.com kevin.koval@adirondackbasement.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
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
Celtic Mold Assessments 863 Route 212 Saugerties, NY 12477
845-853-4840 www.celticiaq.com info@celticiaq.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
GCAR AFFILIATE MEMBERS
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
Decker’s Land Solutions 1632 Main Street Pattersonville, NY 12137 518-799-5543 nick@deckerslandsolutions.com www.deckerslandsolutions.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
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 clifford.carignan@firstnewyork.org
Grace Roofing 895 Delaware Ave
Delmar, NY 12054
518-209-4224
www.graceroofinginc.com graceroofinginc@gmail.com
GoRascal, Inc.
376 Broadway, Ste 17 Saratoga Springs, NY 12866 518-791-4595
team.gorascal.com/heidi heidi@gorascal.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
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
John Heiden Allstate Agency
772 Saratoga Rd, Ste 4
Burnt Hills, NY 12027
518-399-7000
agents.allstate.com/john-heiden-burnthills-ny.html
johnheiden@allstate.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
LaChance Agency
498 Albany Shaker Rd Albany, NY
518-275-0300
achanceagency.com
erik@lachanceagency.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
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Metzwood Insurance
300 Great Oaks Blvd, Suite 300 Albany, NY 12203
518-392-5161
www.metzwood.com matt@metzwood.com
Monaco Cooper Lamme & Carr, PLLC 1881 Western Ave, Ste 200 Albany, NY 12203
518-855-3535
mclclaw.com jlamme@mclclaw.com
Movement Mortgage
120 West Ave, Ste 206 Saratoga Springs, NY 12866 518-368-4404
www.theannasmithteam.com anna.smith@movement.com
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 American Funding 169 Shrewsbury St, Ste A Worcester, MA 01604 www.newamericanfunding.com brian.marchand@nafinc.com
New York Real Estate Photography 518-284-1400 nyrephotos.com matthew@nyrephotos.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
RE Tech Academy 517-214-3333 retechacademy.com todd@retechacademy.com
GCAR AFFILIATE MEMBERS
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
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 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
Top Gun Inspection Services Group 47 Crestwood Drive Schenectady, NY 12306
518-956-0532
www.topguninspectionservices.com info@topguninspectionservices.com
Upstate Bug Busters
636 Maple Lane Niskayuna, NY 12309
518-281-4180
blake@upstatebugbusters.com www.upstatebugbusters.com
Wells Fargo Home Mortgage 2500 Westchester Ave, 2nd Fl Purchase, NY 10577
941-285-1469
www.wellsfargo.com michael.wolfe@wellsfargo.com
WELCOME
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