Libby Churchill, Lic. R.E. Associate Broker
Bobbi Frederick, N.Y.S Lic. R.E. Associate Broker and N.Y.S. Licensed Salesperson

The Libby Churchill Team of Christensen Realty USA specializes in waterfront and resort properties in the Thousand Islands region on the St. Lawrence River in northern New York as well as seasonal and year-round homes on Lake Ontario. This is truly an amazing area of enchanting beauty that spans two nations - a well kept secret!

Our marketing area extends all along the Seaway Trail to include Alexandria Bay, Clayton, Wellesley Island, Cape Vincent, Hammond, Three Mile Bay, Chaumont, and Henderson Harbor. We also handle residential and commercial properties in Jefferson, Lewis and St. Lawrence Counties including the Fort Drum/Watertown area where our military presence with the 10th Mountain Division is strong.

In our website we have summarized much of what brings people from all areas to the Thousand Islands and Lake Ontario Region. Click on the "Town" tab to see for yourself what makes our area so special!

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. We offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top agents in our area, we have the experience and track record you are looking for.

The Libby Churchill Team adheres to a Standard of Excellence that guides our customer service throughout every transaction. We strive to ensure that every sale is handled with the utmost professionalism and class. The service and information that we provide to our clients and customers is prompt, accurate and thorough.

We are the 'results' realtors!

- Libby Churchill Team

My real estate in Clayton

Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Q	What might happen to the Empire State Building in extreme weather?
A	The Empire State Building can sway several feet to either side when buffeted by a severe windstorm or rainstorm.
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Libby Churchill Team, REALTOR®, real estate agent and broker for Thousand Islands, Lake Ontario Region and Fort Drum, New York home listings, property and land for sale - NUMBER1EXPERT

Libby Churchill Team
Christensen Realty USA
712 James Street
Clayton, NY 13624
Office - 315-686-4000
Direct Line: 315-783-7021
Fax: 315-686-3464
Libby@ChurchillTeam.com

The Libby Churchill Team adheres to a Standard of Excellence that guides our customer service throughout every transaction. We strive to ensure that every sale is handled with the utmost professionalism and class. The service and information that we provide to our clients and customers is prompt, accurate and thorough.

CRS ePro GRI CBR

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Thousand Islands, Lake Ontario Region and Fort Drum, New York

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Libby Churchill, Lic. R.E. Associate Broker Bobbi Frederick, N.Y.S Lic. R.E. Associate Broker and N.Y.S. Licensed Salesperson

In our website we have summarized much of what brings people from all areas to the Thousand Islands and Lake Ontario Region. Click on the "Town" tab to see for yourself what makes our area so special!

Buying and selling a home is one of the biggest events in your life. As top agents in our area, we have the experience and track record you are looking for.

We are the 'results' realtors!

- Libby Churchill Team

Libby Churchill, Lic. R.E. Associate Broker
Bobbi Frederick, N.Y.S Lic. R.E. Associate Broker and N.Y.S. Licensed Salesperson