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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Libby Churchill Team, a proven Thousand Islands, Lake Ontario Region and Fort Drum, New York NUMBER1EXPERT™ Top Selling real estate agent. Find Thousand Islands, Lake Ontario Region and Fort Drum Homes - Find Thousand Islands, Lake Ontario Region and Fort Drum, New York real estate listings & homes for sale provided by Libby Churchill Team, your local expert real estate agent. Waterfront, Island Properties. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Libby Churchill Team, a proven Thousand Islands, Lake Ontario Region and Fort Drum, New York NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Libby Churchill Team, a proven Thousand Islands, Lake Ontario Region and Fort Drum, New York NUMBER1EXPERT™ Top Selling real estate agent. Thousand Islands, Lake Ontario Region and Fort Drum Information - Find local information on Thousand Islands, Lake Ontario Region and Fort Drum, New York including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Libby Churchill Team, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Libby Churchill Team, a proven Thousand Islands, Lake Ontario Region and Fort Drum, New York NUMBER1EXPERT™ Top Selling real estate agent. About Libby Churchill Team - Information about Libby Churchill Team including testimonials, guarantees, credentials, and contact information. Learn why Libby Churchill Team is a proven Thousand Islands, Lake Ontario Region and Fort Drum, New York NUMBER1EXPERT™ Top Selling real estate agent. 
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Making An Offer >Keeping Your Earnest Money Safe
When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?
The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.
If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.
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| Q |
In what U.S. home can you find the world's largest refrigerator magnet collection?
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| A |
Louise Greenfarb of Las Vegas, Nevada has 35,000 unique fridge magnets that she has been collecting since the 1970's. |
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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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