Delmar New Home

Benefits of Owning Your Own Home

Forced Savings
Some people are just lousy at saving money, and a house is an automatic savings account. You accumulate savings in two ways. Every month, a portion of your payment goes toward the principal. Admittedly, in the early years of the mortgage, this is not much. Over time, however, it accelerates.

Second, your home appreciates. Average appreciation on a home is approximately five percent, though it will vary from year to year, and in some years may even depreciate.. Over time, history has shown that owning a home is one of the very best financial investments.

Buying a home can be one of your most significant investments in life. Not only are you choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be. Our goal is to provide you with detailed information to assist you in making an intelligent and informed decision.

Bethlehem's Community
Located just three miles southwest of Albany and about 150 miles north of New York City, Bethlehem is a rapidly growing community of about 28,000 residents, covering an area of 52 square miles. Its natural borders include the Hudson River to the east and the Normanskill, one of several local "kills," or creeks, to the north. The Helderberg Mountains, foothills to the Catskill Mountains, are visible from most parts of the district.