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Home Buying With Gilbo Realty

As your buyer agent, we can help streamline the process of buying a home and make it easier for you. We’ve aligned ourselves with the top professionals in the industry, and once an offer has been accepted, we will personally help facilitate the process to close on the home. By working closely with mortgage brokers, title and escrow companies, home inspectors, and home warranty companies we will provide you with the best service possible!

Afraid you don't have enough money to close?  Don't worry, we'll find it for you!  We can arrange for the seller to pay part of your closing costs and provide a list of local companies that offer state grants towards closing.  Don't let your lack of available funds stop you from looking for a home!

What's the First Thing I Should Do?  Visit a mortgage lender to get pre-approved.  Once thats complete, contact us and get setup on our Automated Home Search Site (Not Zillow!).  We will need to know what your approved for, how many beds and baths you would like/need, location of choice and more.  The more info you give us, the easier we can find you a home. 

Can I sit down/Zoom Meet with you now?  Absolutely and we highly recommend it!!  We'll go over the buying process, sign you up to our Automated Home System and provide a starter list of lenders we have worked with to get pre-approved at.  Click Here To Schedule A Free Consultation

If my offer is accepted, how long does it take to close?  Typically, it takes 60 days to close on a house.  A cash deal averages 30 days.  

Can i sell my home and make offer on another at the same time?  Yes!  We can make the sale of your home contingent upon you finding suitable housing.  This way you can start accepting offers and look for your next home at the same time. 

Why you should buy your next home with Gilbo Realty! 

  • First, we train our Agents in Mortgage Financing and how to find their clients the best deals around.  You'd be surprised how many times deals fall apart because the Agent didn't know the lender would finance their new home purchase. 
  • Second, when our Agents walk into a home, the first thing they do is to make sure that the loan you were APPROVED for can actually finance the house based on condition, geographical area and more. 
  • Third, our Agents knowledge of the business is second to none and we continually add to that with in house training, seminars and online classes.  

How much of my closing costs can a seller pay?   A seller can pay up to 6% of the purchase price with FHA loans, 3% with conventional loans when you put less than 10% down, 6% with conventional loans when you put 10% plus down.   Remember, the house must appraise by the bank in order to receive all those funds.  

How is a buyers agent paid?  In NY, most buyers agents are paid out of the sellers proceeds at closing.  The only time you have to come out of pocket with more money (in a traditional sale) is when you have a buyers agreement commission for more than the willing seller commission in the listing.  For example:  If the seller is willing to pay a buyers agent 2.5%, but your buyers agreement says you are willing to pay your agent 3%, you will have to pay the extra 1/2% at closing to your agents broker.  If you run into this scenario, your agent should discuss this discrepancy with you before writing the contract.

 

Schedule A Free Phone Consultation Here

 

Recently Listed Properties

$399,000
4 Beds ⋅ 3 Baths ⋅ NYS-S1443666 MLS
A Gorgeous Federal Style Colonial four-bedroom, three-bath home in Coveted Trillium Gardens on Oswego’s west side, welcomes you. Nestled on nearly a half-acre, this residence is comprised of more than 3,500 square feet of living space, along with a three-bay garage. The moment you enter through the paneled front door and pass through the entrance hall of the main floor you realize this home is special. The symmetrical design is typical of the Federal style with the formal living and dining rooms in the front of the home on either side of the foyer, while the kitchen and additional rooms (laundry, office/den) are in the rear. On the second floor, four spacious bedrooms and a surprisingly huge recreational room keep in the character of this select home. Upstairs and down the multi-paned windows add beauty and allow natural light to flow indoors; and the simple, elegant and understated center swing glass doors lead to the outdoor deck and patio where one can sit and enjoy the open air and sounds of nature. Don’t pass up the opportunity to own one of Oswego’s finest

14 Thistle Drive, Oswego-City
$399,000
3 Beds ⋅ 4 Baths ⋅ NYS-S1422644 MLS
Wow! This 1-of-a-kind property is awaiting lucky new owner. Gorgeous views of the Lower Reservoir & 5+ acres here w/water frontage & opportunity abound. 3 parcels in total w/more than 4,000 square feet (including the HEATED INDOOR POOL area) & also featuring oversized 3-car heated garage w/soaring ceilings & plenty of shop/storage space. There are additional outbuildings as well including one that houses outdoor wood boiler (just 2 years young) providing radiant in-floor heat for the indoor pool area as well as the large office space! Indoor pool has newer power safety cover and filter and there is an exhaust fan to keep humidity proper. Plenty of deck, patio & yard space outside from which to enjoy this picturesque slice of Earth including rear waterfront! Step inside to a full wall of glass overlooking the gorgeous Reservoir. Two 1st-floor bedroom options & 3 full baths on the main floor also. Second kitchen near pool area, great for entertaining & this can be entirely separated from main home. There is a basement for additional storage & housing mechanics. Additional loft space, too, which is currently used as the owner's bedroom w/half bath. Owner may consider holding the note.

2456 County Route 22, Orwell
$399,000
3 Beds ⋅ 2 Baths ⋅ NYS-S1423267 MLS
Thinking about owning your own equine facility...Now is your chance!! Horse Farm / Equine Facility, Farmhouse 3 beds, 2 baths, Sunroom, and many updates! Almost 10 flat, fenced acres, 15 stalls, 120x60 Indoor Arena, Outside ring, 3 Run-ins off arena, Hay loft for hay storage, even a dog boarding kennel or convert to 3 car garage. Incredible sunset views. Truly a beautiful farm!

1459 Nys Rt 80 W, Cazenovia
$398,900
2 Beds ⋅ 2 Baths ⋅ NYS-S1321746 MLS
The Isabella Model Built By J. Alberici & Sons, Inc. Features 9' Ceilings, 8' x 18' Covered Back Porch Between The Dining room and The Master Suite Overlooking The Private Back Yard, Shaker White Cabinets With Granite Counter Tops, Center Island With Overhang For Bar Stools, 18' x 20' Great Room With Cathedral Ceiling And Gas Fireplace, Owners Suite has a 12' x 6' Closet, On Suite Bath With Tiled Shower, There is a First Floor Laundry, The Basement is 8' Tall Poured Concrete With An Egress Window So You Can Finish The Basement and Add A Third Bedroom. This Home Is Located In The Timber Banks Jack Nicklaus Signature Golf Course & Marina Community And There Are Two Miles Of Walking Trails Along The Seneca River. Other Homes Are Available.

lot 357 Tall Tree Lane, Lysander
$395,000
3 Beds ⋅ 2 Baths ⋅ NYS-S1443307 MLS
Offering an upscale, back-in-the-woods home w/tons of extras. The landscaping alone shows a respect & deep appreciation for natural elements constructed w/modern technology to produce a timeless gem. This 3 (walk out basement) story, 3BD, 2BA home also has 2 furnaces!1 is a traditional propane fueled forced air & the other is wood burning. The great room opens to the second story loft. The main living area hosts a tongue-in-groove pine ceiling also found in the two upstairs bedrooms; plus a deck overlooking a good portion of the 9.2 acres.Try not to lose your mind over the 2 story heated garage with a 9 foot ceiling and 8 foot tall garage door. The second story is yours to finish or use for blessed storage. The outdoors is a feature of this home since it was purposefully situated to merge with its surroundings, and for that reason it could be the precious spot for a primary home or an ideal Air BnB since Kayuta Lake and Black River are less than 15 minutes away & Bellingertown Rd itself is part of the Snowmobile trail leading north to the Adirondacks. Old Forge is around 40 minutes by car & there is White Lake & Otter Lake before that, as you continue up rt 12 to 28.

11302 Bellingertown Road, Forestport
$395,000
3 Beds ⋅ 3 Baths ⋅ NYS-S1436949 MLS
**For sale or rent. See agent remarks for rental details** Introducing... The Gansevoort. This 2-story floor plan features open concept living & dining, and a beautifully appointed kitchen with stunning quartz countertops, shaker-style cabinetry & stainless appliances. Also on the main level, you will find a Master Suite complete with dual sink vanity, ample shower & a spacious walk-in closet. A private office, half bath & laundry room round out the first floor. Upstairs, you have 2 more bedrooms & another full bath. The full basement is equipped with an egress window, should you decide to add more living space.Woodhaven offers a very UNIQUE opportunity with thousands of dollars in TAX SAVINGS over the course of the PILOT PROGRAM. An attached chart shows the staggering savings of investing in Woodhaven over comparable properties. How amazing would it be to save on gas by shortening your commute to Griffiss, while taking advantage of HUGE SAVINGS on property taxes therby reducing your overall mortgage payment?! *Interior furnished photos depict the model home at 905*

907 Park Drive, Rome-Inside
$395,000
3 Beds ⋅ 3 Baths ⋅ NYS-S1436951 MLS
**For sale or rent. See agent remarks for rental details** Introducing... The Gansevoort. This 2-story floor plan features open concept living & dining, and a beautifully appointed kitchen with stunning quartz countertops, shaker-style cabinetry & stainless appliances. Also on the main level, you will find a Master Suite complete with dual sink vanity, ample shower & a spacious walk-in closet. A private office, half bath & laundry room round out the first floor. Upstairs, you have 2 more bedrooms & another full bath. The full basement is equipped with an egress window, should you decide to add more living space. Woodhaven offers a very UNIQUE opportunity with thousands of dollars in TAX SAVINGS over the course of the PILOT PROGRAM. An attached chart shows the staggering savings of investing in Woodhaven over comparable properties. How amazing would it be to save on gas by shortening your commute to Griffiss, while taking advantage of HUGE SAVINGS on property taxes therby reducing your overall mortgage payment?! *Interior furnished photos depict the model home at 905*

923 Park Drive, Rome-Inside
$395,000
NYS-S1422389 MLS
Calling All Investors! Package Deal for a total of 8 units, two separate properties bundled together! 1410 Lenox Utica to be sold with 93 Central Ave Ilion. Based upon our current rental rates monthly estimated income of $5,900, over $70,000 annually!!! All you have to do is bring a few tenants and you are on your way with these two huge potential income producing properties! MLS # S1422389 to be sold with MLS # S1422415 Properties being sold as is.

1410 Lenox Avenue, Utica
$390,000
4 Beds ⋅ 3 Baths ⋅ NYS-S1426115 MLS
A quiet retreat without sacrificing location. Bring yourself home to this beautifully designed custom-built house on 4 acres just steps away from Francis Pond and just 5 miles to town. The property is complete with a four-stall horse barn and a 16x20 back addition, large workshop with independent heat, electric, and water, as well as other outbuildings designed to suit this woodland cottage ambiance. 3 paddocks round out this well-maintained hobby farm, with one originally designed as a riding area. The top-quality woodwork and finishes throughout this home impress upon its viewers elevated ceilings from the 9ft full poured basement to the 10ft second story, hardwood floors throughout, Andersen windows to view your property from every angle, Hardie Board siding that won’t ever crack or warp as vinyl does, a new sunroom addition where work is underway, a woodburning fireplace and stove to end evenings with. Surrounded by hundreds of acres of bird sanctuary you will be greeted by songs from the trees, not road noise, yet still enjoy a year-round maintained roadway when winter brings even more charm to this private haven without compromising convenience. Sq ft in tax records is off.

101 Lewis Road, Constantia
$389,900
2 Beds ⋅ 3 Baths ⋅ NYS-S1443365 MLS
Discretely nestled with a true estate setting. English stone, cottage design with unusual features, and style. Charm and grounds rarely found in New Hartford, voluminous great room, meticulous care, 2 stall garage with guest suite too! Delightful!

29 Sherman Circle, New Hartford