A lifelong resident of the Rotterdam – Schenectady area, Jim has been married for over 30 years
and has two adult children and one grandchild. Public service has been a major part of Jim’s
adult life. His past service as a volunteer firefighter, police officer, paramedic and his current
membership in the National Ski Patrol continue to reflect his commitment to our community. Jim
believes that you should treat others as you would like to be treated. This belief, coupled with
character traits of honesty, dedication, and confidentiality, are well suited to the field of public
safety, and in serving your needs in the purchase, sale or leasing of real estate.
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Real Estate Glossary Terms
An anticipatory breach of contract is the action that occurs when one party in the contract shows their intention to not fulfill their contractual obligations to the other party. The anticipatory breach liberates the counterparty of the contract from the responsibility of respect to their contractua...
Points paid by a lender for a loan with a rate above the rate on a zero point loan. For example, a lender might quote the following prices: 8%/0 points, 7.5%/3 points, 8.75%/-2.5 points. Negative points, often referred to as 'rebates,' are used to reduce a borrower's settlement costs. When negati...
A borrower who must use tax returns to document income rather than information provided by an employer....
Table used in health insurance premium rate calculations that depicts the probability that a claim will continue by time and amount....
Real Estate Questions
If you’ve just gotten the news that you’re about to be evicted, you’re probably ex ...
During periods of inflation, house prices tend to increase. The impact of increasing inflation on gl ...