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Alexandria Bay Chamber of Commerce
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Americu Credit Union
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Antique Boat Museum
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Brownell Abstract Corporation
Abstract Corporation
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Cape Vincent Chamber of Commerce
Chamber of Commerce
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Carthage Federal Savings & Loan
Local lending institution -handles conventional, FHA and VA Loans
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Citizens National Bank of Cape Vincent
Local Bank
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Clayton Chamber of Commerce
Chamber of Commerce
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Clayton Home Inspections
New York State Certified Home Inspector
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Community Bank
Local lending institution -handles conventional, FHA and VA Loans
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Department of Housing and Urban Development
Housing and Urban Development Website
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Fannie Mae
A program to help make homeownership and rental housing more available and affordable.
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First Niagara Mortgage
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Gouverneur Savings and Loan
Local Bank with branches in Alexandria Bay and Gouverneur
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Greater Watertown Chamber of Commerce
Chamber of Commerce
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Hawn Memorial Library
Library in Clayton
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Home N Spec
New York State Certified Home Inspector
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Jefferson County Agricultural Development Corp
Agricultural Development Corp
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Jefferson County Job Development Corp
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M&T Mortgage Corporation
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Newz Junky
Local Online News Site
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Northern Federal Credit Union
Federal Credit Union
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Pillar To Post
Professional Home Inspection
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REALTOR.com
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Rochester Area Mortgage Services
Local Mortgage Originator
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School Reports
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The Thousand Islands
Thousand Islands Website
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Thousand Island School
Thousand Islands Central School District Website
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VA Homes for Sale
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Watertown Daily Times
Daily Times
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Watertown Savings Bank
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School Reports in Thousand Islands, Lake Ontario Region and Fort Drum, New York
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New York Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
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Real Estate Tips
Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Real Estate Trivia
Q 
Where and when was the first motel introduced on the American commercial real estate scene?

A 
The first motel, appropriately named the "Motel Inn", opened in San Luis Obispo in 1925.
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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.

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