This Mortgage Tip is brought to you by: Jefferson Lewis Board of Realtors, Northern Credit Union, and Personalized Real Estate Solutions. A third form required when selling residential property in
NYS is the Seller Property Condition Disclosure or SPCD. Hi I am Lance Evans from the Jefferson-Lewis Board of REALTORS®. Sellers are required to fill out the SPCD based on their own knowledge. Failure to provide the form to buyers prior to the buyers making an offer to purchase the property results in a $500 credit to the buyers at closing. The form, required of all sellers whether they are using a real estate agent or not, gives the buyer background information on the property that would be hard to obtain otherwise. It is not a guarantee or warranty. Knowing before you buy will help you to “Dream It, Live It, Own It in Northern New York.” Brought to you by Northern Credit Union. Have you considered refinancing your mortgage? Now is the best time to refi your home to lower your
interest, shorten your term, or lower your payments.

Call 777.8910 or visit to learn more.

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