For Buyers

I'm "Your Neighborhood Expert" and offer the rare mix of local insider knowledge, expertise training and a personal passion you will want on your side when the negotiations begin. Whether you are buying or selling, you need someone as excited as you are about securing the very best deal.

My Commitment is to help my clients save time and money. I strive to understand their goals and preferences, stay in constant touch and work to make the transaction process go as smoothly as possible.

I pride myself on Repeat Business and Referrals and I hope you'll come to understand why. I look forward to working with you!

Please visit my Client Testimonial Page

I have earned the ABR Designation (Accredited Buyer Representative) - the benchmark of Excellence in Buyer Representation

Ranked Top 3% of Realtors Nationwide

Also Ranked Top 100 Realtors NY/CT Metro

"Experience Is Not Expensive, It's Priceless"

How I Can Help
Before you start looking
Closing Costs

As Your Agent, I Will:

Assure that you see all the properties in the area that meet your criteria.
Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
Make sure you don't pay too much for your new home and help you avoid costly mistakes.
Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

Check your credit rating. Straighten out any errors before its too late.
Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
Choose a REALTOR® that you trust and who understands your needs.
Determine what neighborhood best matches your needs.
Identify important features you need your new home to have.

Closing Costs to Expect:

Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
Third-party fees include charges for insurance, title search, and other inspections such as termites.
Government fees include deed recording and state & local mortgage taxes.
Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Find out how much your closing costs could be.

For Buyers

Kim Gifford, Top 5 in Real Estate, ABR, e-PRO