Kerry A Loiselle, Licensed Assoc Real Estate Broker

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So I was two episodes deep into a show, comfy pants on, definitely not thinking about real estate 😅Then my phone buzzed....
09/29/2026

So I was two episodes deep into a show, comfy pants on, definitely not thinking about real estate 😅

Then my phone buzzed.

A client had just seen a listing pop up and panicked it was "the one" — worried it would be gone by morning if they didn't act fast.

Here's the thing though. I didn't mind the text at all 👇

📲 In this market, timing genuinely matters — waiting until "business hours" can mean missing out on a home you loved

🏡 A quick five-minute conversation that night saved them from either rushing into the wrong decision or losing out on the right one

💬 Half of my job isn't paperwork — it's being a steady voice when someone's nervous about a big decision

We talked it through. Turned out it wasn't quite the right fit for them, and they slept easier knowing that before morning instead of stressing all night.

This job doesn't really run on a 9-to-5 clock, and honestly, I'm okay with that. Big decisions don't wait for convenient timing, so neither do I.

If you're in the middle of a home search and something pops up that has you second-guessing at an inconvenient hour, that's exactly what I'm here for.

DM me if you're curious 👀

Spring gets all the hype. Fall quietly hands buyers the leverage.Less competition, more motivated sellers, inventory tha...
09/28/2026

Spring gets all the hype. Fall quietly hands buyers the leverage.

Less competition, more motivated sellers, inventory that's been sitting long enough for real negotiation. Sellers who are still on the market in October usually have a reason to actually move, not just test the waters.

"Off-season" is often code for "less pressure, more room to ask for things." Repairs, closing costs, timelines, all of it gets easier to negotiate when there isn't a line of buyers behind you.

Share this with someone who thinks they missed their window this year. There’s still time.

This one catches so many buyers off guard, and it shouldn't 😤You've budgeted for your down payment. You've budgeted for ...
09/28/2026

This one catches so many buyers off guard, and it shouldn't 😤

You've budgeted for your down payment. You've budgeted for closing costs in general. But there's usually one line item that nobody walks you through ahead of time — until you're staring at it on your closing disclosure.

Let's break down a few of the usual suspects 👇

📄 Title insurance — protects you and your lender in case there's an issue with the property's ownership history

🏦 Loan origination fees — what your lender charges to actually process and create your loan

📝 Recording fees — the cost for your local government to officially record the sale

🔍 Prepaid items — things like homeowners insurance and property taxes your lender collects upfront

None of these are scams or hidden tricks. They're standard parts of most transactions. The problem is they're rarely explained clearly before people see the total.

I'd rather walk you through every one of these weeks before closing day than have you feel blindsided by a number you weren't expecting.

If you're getting ready to buy and want a real breakdown of what your closing costs will actually include, let's go over it together.

DM me if you're curious 👀

If you've never sold in a hot market before, this phrase can feel a little intimidating 😅"Highest and best" is when mult...
09/27/2026

If you've never sold in a hot market before, this phrase can feel a little intimidating 😅

"Highest and best" is when multiple offers come in on your home and you ask all buyers to submit their strongest, final offer by a set deadline.

Sounds straightforward. But there's more strategy to it than people realize 👇

⏰ Setting the right deadline matters — too short and you might miss serious buyers, too long and you risk losing momentum

💵 It's not just about asking for the highest price — you can also request buyers clarify contingencies, closing timelines, and financing details

🤝 How you communicate this process to buyers' agents affects how they respond — clunky communication can scare off good offers

📊 You're not obligated to accept any offer, even after highest and best — you're just gathering your best options

Done well, this process can genuinely increase your final sale price. Done poorly, it can create confusion and cause good buyers to walk away.

This is one of those moments where having someone experienced running the process for you makes a real difference in your outcome.

If you're thinking about listing soon and want to understand how this could play out for your home, let's talk through it before you're in the middle of a multiple-offer situation.

DM me if you're curious 👀

09/25/2026

I need more buyers to hear this before they pop the ch*****ne early 😅

Getting your offer accepted feels like the big moment. And it is exciting! But it's actually just the starting line for the next few weeks.

Here's what's still ahead after that celebratory phone call 👇

🔍 Home inspection — this is where you find out what you're really buying, not just what the listing photos showed you

📋 Appraisal — the bank needs to agree the home is worth what you're paying, or things can get complicated fast

🏦 Final loan underwriting — lenders often do one more deep look at your finances right before closing

📄 Title work — making sure there's nothing lurking in the property's history that could hold things up

Buyers who stay calm and prepared through this stretch tend to have a much smoother path to the closing table.

The ones who assume it's all smooth sailing after acceptance? They're usually the ones calling me stressed out at week two.

My job doesn't stop when your offer gets accepted. It's actually when I lean in the most.

If you're getting ready to make an offer soon, let's talk about what this whole stretch really looks like so nothing catches you off guard.

DM me if you're curious 👀

09/24/2026

I don't just want your closing. I want your next 3. 🤝

Let's be honest about something most agents won't say out loud 👇

A lot of this business is built around getting to the closing table and moving on to the next client.

That's not how I operate.

I want to be the person you call when your lease is up in two years. When your parents are ready to downsize. When your best friend from work says "do you know a good agent?"

Here's why that matters for you right now 📋

🏡 I'm not rushing you into a decision just to close faster

📈 I'm giving you the full picture — including reasons NOT to buy or sell yet, if that's the honest answer

🗺️ I'm building a relationship with your neighborhood, not just your one transaction

💬 I'm still going to answer your questions three years from now, not just during escrow

Real estate isn't a one-and-done thing. You buy, you sell, you help your kid buy their first place, you refer your coworker, you move for that job opportunity you didn't see coming.

I want to be there for all of it, not just this one deal.

That's the kind of agent I'd want for myself. So that's the kind I try to be for you.

DM me if you're curious 👀

Quick real talk because I get this question constantly 📞A rate lock means your lender is guaranteeing your interest rate...
09/23/2026

Quick real talk because I get this question constantly 📞

A rate lock means your lender is guaranteeing your interest rate for a set period of time — usually 30, 45, or 60 days — while your loan is being processed.

Sounds simple. But here's what most people don't realize 👇

⏳ If your closing gets delayed past your lock period, you might have to pay to extend it

📉 Rates can move daily, so locking too early or too late can genuinely cost you thousands over the life of your loan

🔄 Some lenders offer a "float down" option, meaning if rates drop after you lock, you can still get the lower rate

📄 Your lock only applies to the loan terms you originally qualified for — if your situation changes, so can your rate

The timing of your lock is honestly just as important as the number itself.

I always tell my clients: don't just ask your lender what the rate is. Ask them what the lock strategy looks like for your specific timeline.

That one conversation can save you real money.

Curious how this applies to your situation? Let's talk it through.

DM me if you're curious 👀

Welcome to 306 Parkers Corners Rd in Rotterdam. This sweet home is ready for you! Check out the nice price improvement ...
09/22/2026

Welcome to 306 Parkers Corners Rd in Rotterdam. This sweet home is ready for you! Check out the nice price improvement as well!!

09/22/2026

This is the situation every seller dreams about — until it actually happens and you realize price isn't the only thing on the table 😅

Two buyers. Same offer price. So now what?

Here's what I walk my sellers through when this happens 👇

💵 Earnest money deposit — a bigger deposit signals a more serious, committed buyer

📅 Closing timeline — does one buyer's timeline actually match what you need right now

🏦 Financing type — cash and conventional loans move differently than FHA or VA, and that affects your risk

🔍 Contingencies — inspection, appraisal, and financing contingencies can make an "equal" offer riskier than it looks

🤝 Buyer's agent responsiveness — how smooth negotiations have been so far often predicts how smooth closing will be

The highest number isn't always the strongest offer. Sometimes the "safer" offer at the same price is actually the smarter choice.

This is exactly why having someone in your corner to break down the fine print matters — not just to get you an offer, but to get you the right offer.

If you're thinking about listing and want to understand how these decisions play out before you're in the middle of one, let's chat.

DM me if you're curious 👀

Address

1487 Saratoga Road
Ballston Spa, NY
12020

Telephone

+15183226650

Website

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