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Buying a Home Owning your own home has always been part of the American dream. With today’s low mortgage rates and a variety of financing options, more and more people are realizing their home ownership goals. That also means many home buyers are going through the process for the first time. Since this can be a daunting task – and likely will be the most significant purchase in your lifetime – there are several programs and resources that can help. Your county’s board of realtors will help you find a qualified, experienced realtor who is knowledgeable about the communities in which you wish to live. Other organizations will assist in navigating the often times complex process of buying a home. The government also has programs to assist low-income home buyers and offers low mortgage rates. The links below will help you get started in purchasing a home in your desired area.   Adirondacks/North Country Clinton, Essex, Franklin, Hamilton and Warren Counties including the cities of Plattsburgh and Glens Falls and the villages of Lake George, Lake Placid and Speculator. Clinton County Board of Realtors Northern Adirondack Board of Realtors Warren County Association of Realtors Capital Region Albany, Rensselaer, Saratoga, Schenectady, Schoharie, Washington Counties including the cities of Albany, Saratoga Springs, Schenectady and Troy and the towns of Bethlehem, Colonie, Guilderland, Greenwich, Mechanicville and Schoharie. Better Neighborhoods Inc. Greater Capital Association of Realtors Saratoga Schenectady Schoharie Association of Realtors Washington County Board of Realtors Hudson Valley Columbia, Dutchess, Greene, Orange and Ulster Counties including the cities of Hudson, Kingston, Newburgh and Poughkeepsie and the town of New Paltz. Columbia-Greene Board of Realtors Dutchess County Association of Realtors Greater Capital Association of Realtors Orange County Association of Realtors Ulster County Board of Realtors       Mohawk Valley Herkimer, Fulton and Montgomery Counties including the cities of Amsterdam, Gloversville, Herkimer, Johnstown and Little Falls. Fulton County Board of Realtors Greater Capital Association of Realtors Mohawk Valley Listing Service Mortgages & Financing What goes into applying for and obtaining a home mortgage.