Header image Willow Realty
NYS Licensed
Real Estate Salesperson

email me

120 Main Street
Gardiner, New York, 12525

(845) 270-5441 cell
(845) 255-7666 office



Willow Realty 
120 Main Street 
Gardiner, NY 12525 


For Buyers

* Agency Disclosure * Exclusive Right * Relocating *
* The Home Buying Process * Home Buying Scorecard *
* Local Lenders * Using an Attorney * Home Inspection * The Closing *

8 steps to a new home!

What’s an ‘Agency Disclosure’ form?

It’s a form required by NYS law. Before I show you a home, I have to tell you (“disclose”) whether I work for the seller (in the rare case that it’s a home I’ve listed), or whether I’m working for you as your buyer's agent.  Signing this form doesn’t make any  long-term commitment on your part.  Click here to see a sample form.

What’s an ‘Exclusive Right to Represent’ form?

It’s a form that sets out an agreement between us so that I can be your exclusive Buyer’s Agent. As such you become a preferred customer.  It spells out my compensation and ensures that I will do my best to protect your interests and negotiate on your behalf in any real estate transaction (including homes "for sale by owner"), for a period of time that we agree upon.  Click here to see a sample form.

Do I pay my Buyer’s Agent?

In most cases, you won't have to. The commission is paid out of the proceeds of the sale, and is split between the seller's agent and the buyer's agent.

More Resources for Home Buyers

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How Big is an Acre?

Buying Land and Building a Home: The Process and Cost

Home Buyer Scorecard

The Home Buying Process

About Our Schools

New York School District "Report Cards"

NEW! View NY School Tax Information Online (not all Districts are available yet)

Home Buying General

Home Buying 101 - Escrow? Jumbo loan? PMI? Before your head is swimming with these house-buying terms, get a quick vocabulary lesson in some real estate and mortgage terms.

8 tips for House-Hunting on Vacation - Some say it's no way to spend a vacation, but checking out the real estate market in your favorite corner of paradise actually may be a smart way to multitask.

What's Better: New or Existing Home? - Different strokes for different folks. Here's a review of the pros and cons of each.

10 Biggest Mistakes Home Buyers Make - If you can avoid falling into these traps you're likely to get a much better deal.

Condo or House? What's Best For You? - Condo units sometimes appreciate faster than single-family homes, but that's just one factor to consider when deciding between the two.

Who Should NOT Buy a House - It's not for everyone, you know. Some people in some circumstances shouldn't even think about it.

Vacation Homes: Not Just for the Rich and Famous - You, too, can own a vacation home, even if you're not rich. The trick is in avoiding the property-management middleman.

Six Top Benefits of Owning a Home - The responsibilities that go with homeownership can be a pain, but the financial and "feel good" rewards make it all worthwhile.

Foreclosures & Real Estate Investments

The Truth About Buying Foreclosures - Everyone wants to buy a foreclosure for a song. But they're not that easy to find and there's no guarantee it's a good investment.

Investing in Foreclosures: For Novices it's a Crapshoot - Getting rich from buying foreclosures is the fantasy of many Americans, but it's much like most other things that seem too good to be true.

Top Ten Mistakes by Novice Real Estate Investors - Real estate has become the investment everyone sees as their ticket to easy wealth. It's not that easy.

Avoiding Foreclosure-Rescue Scams - The convergence of economic and political forces may soon bring about a home-equity version of the stock market crash of 1929.

7 Tips About Foreclosure from the National Consumer Law Center - Avoid slick sales talk and seek advice from your lender if you find yourself in a bind.

Real Estate Gurus - If Only it Were that Easy - The road to riches sure isn't as easy as advertised.

Anti-Flipping Rules Aimed at Investors - Stricter lending rules on homes that are bought and quickly resold are having a negative effect on investors.

Your Finances & Your Mortgage

A New Way to Grow Your Money Tax Free - Proposed Roth 401(k) will offer significant benefits for savers.

Interest Only Mortgage Deja Vu - That last craze for interest-only mortgages craze ended with a Depression-era wave of foreclosures. The new variety of this loan is even riskier, says Jack Guttentag, the Mortgage Professor.

Locking a Rate vs. Paying Discount Points - Those waiting for a house to be finished often spend thousands on long rate locks, but there is an alternative: Pay that same money for discount points.

Shop Wisely for a Real Estate Investment Club - You can learn a lot, both good and bad, so check them out thoroughly.

6 Money Mistakes Even the Experts Make - Everybody messes up. Smart people learn from the experience.

Breaking the Paycheck-to-Paycheck Cycle - If your money runs out before the month does, this eight-step plan will help, says the Debt Adviser.

Breaking an ARM's Grip - Those who took out adjustable-rate mortgages (ARMs) when rates were at record lows are now looking for ways out.

Adding Up Deductible Sales Tax - The new sales tax deduction gives many filers another chance at cutting their federal bills. Our expert looks at how the law applies to some specialty sales taxes.

8 Calls to Make if Your Identity is Stolen - A step-by-step guide to clearing your good name.

Quiz: Do You Protect Your Identity? - Check to see if you're protecting yourself from identity thieves.

14 Ways to Avoid Identity Theft - Former thief Frank Abagnale offers some suggestions to protect your credit.

Good News, Bad News: Credit Card Minimum Payments Doubling - Ballooning minimum monthly payment on credit card balances could help you reduce debt faster or push you closer to bankruptcy.

Before you Move

Get Rid of Your Junk - Choose one of several methods to sell your old belongings and make some money.

Now You're A Homeowner!

How to Hire a Contractor - Remodeling or repairing your home is not something you do every day. Here's how to be selective when choosing a contractor.

Ten Mistakes Do-it-Yourselfers Make - Home improvement projects often require more time and money t han you expect. Four experts share the ten most common mistakes.

How Much do you Know about Home Equity? - Take this quiz to see if you understand how home equity loans and lines of credit work.

Beefing Up Your Home's Security - You can keep the bad guys at bay without having to rob a bank to pay for the cost of additional security.

16 Ways to Get Better Insurance - What you say and how you say it can make a big difference.

Reverse Mortgages: Retirement's On the House - Among the faster growing products in the home finance industry today is a mortgage that puts money into the pockets of borrowers -- and they don't have to pay it back until after they move out.

Cutting Your Home Energy Costs - Cooling your home this summer will be pricey, but a few changes can make a big difference. And, many changes don't cost much in cash, or comfort.

A few tips for Sellers

Be Safe While Selling Your Home - When you're selling your house, you're letting strangers into your home. Make sure you're safe.

Price Your Home at the Top, but Not Over the Top - Pricing it lower than it should be is cheating yourself, but going overboard can lead to no sale at all.


Relocating out of the Area? Did you know ...

Believe it or not... I can actually assist you, or someone you know, even if it’s an out of the area move. Yes, that’s right. It’s as simple as making one phone call (or email) to me and to let me know where it is you are moving to. Then I can do the legwork for you and locate a Realtor to assist you at your destination point. Even if you know someone out of state that is moving, I can help them find a Realtor to sell and market their existing home. It doesn’t cost you, or them a cent... it’s just that EASY! So why not give it a try... let me be the FIRST call you make. I am here,


** If you would like me to assist you, please email me with the person' s name, address, and phone info, so I may make contact to gather further information.


National Association of Realtors


Ulster County
Board of Realtors