Our HomeBuying a home is a significant financial and emotional decision. Navigating the Capital Region real estate market can be overwhelming. At Monticello, we carefully listen to your concerns, wants, and needs to simplify the process and ensure success. We pay particular attention to the current market conditions and provide you with the most recent and relevant information.

But don’t take our word for it, listen to what our clients have to say. These are all clients who Monticello worked with to purchase a new home, some were first time homebuyers other were buying their second home and selling their existing home. See how the Monticello homebuying experience is so different.

The process involves the pre-contract and contract phases. The contract is formed once your purchase offer is accepted. Below is the full buyer’s guide, and you can search for homes on our newest website featuring all of the latest homes for sale in the Capital Region.

Pre-Contract Phase

  1. Pre-Approval Monticello will assist you in connecting with a banker to secure pre-approval for a mortgage, if you have not already been approved. Before you work on your wish list, you must determine what you can afford and how much the bank will allow you to mortgage. Learn more about why pre-approval matter.
  2. Wish List – Monticello will help your dreams come true, but we also promise to be realistic and honest. Determining what you want in your home, will help us narrow down the search.
  3. The Search Next you establish your price range, criteria, and the neighborhoods and regions you want to search, and Monticello will schedule the showings and bring you to the properties. Monticello has a new website – – that links directly into the Capital Region MLS so you can get the latest listings and most accurate information. As you know, the other websites (trulia, zillow, etc.) don’t always have the most up-to-date information.
  4. Offer – Once you find your home, Monticello will conduct a comparative market analysis, advise you on the current market value, and draft and deliver your offer.

Contract Phase

  1. Attorney Approval – After your offer is accepted, a legally binding contract is formed for the purchase of your home. The first step is to hire an attorney to review the contract. Monticello will place you with one of our carefully selected closing attorneys, if you do not already have a preferred attorney.
  2. Apply for Mortgage – During the contract phase your relationship with your banker is important, that is why Monticello relies on carefully selected mortgage professionals. Monticello will work with you and your banker to ensure you submit the strongest mortgage application.
  3. Conduct Home Inspection – Within two weeks of your contract you will also want to hire a licensed professional home inspector to evaluate the structural integrity of your home, and determine whether you need to conduct any additional tests such as radon or termite tests. Monticello also has recommended inspectors to simplify for your search.
  4. Closing – Finally, when the closing arrives it should just be a matter of several signatures and exchanging checks before you take the keys to your new home. Monticello will conduct a walk through of the property just prior to closing to inspect the property and your attorney will provide all of the legal assistance to execute the purchase contract and title transfer.

Check out our reviews on Zillow!

Check out our reviews on Zillow!
“Alex was extremely helpful throughout our search for a home. As first time home buyers we relied on his knowledge and expertise of the home buying … more
by LauraEverett1
“The home buying experience with Monticello Real Estate has exceeded all my expectations. Home buying IS easy if you choose Monticello. Thank you Alex … more
by amanda zezima
“Very friendly and accommodating. Helped ease the nerves of first-time home buying for me. Sent us MLS listings specifically for what we were looking … more
by cpitphyre

Here’s what our clients say:

“We really can’t heap enough praise on Alex and his crew who we used for the purchase and sale of our houses. They were professional (the photos and video for our sale were beautiful yet realistic, our house sale was under contract in less than two weeks from listing, Alex’s recommendation for listing price of our “unique property”was exactly what we got); patient and compassionate (no question was too trivial, no anxiety too small that Alex was not there to explain and calm us down); and thorough (he was with us at every step of the processes, from dealing with the for sale by owner seller we purchased from, to the inspection and both closings). He is absolutely worth every penny we spent using them and we recommend them to anyone who wants complete reassurance that they are getting the best service possible during a VERY stressful time.” -Julia | Albany, NY

“As first time home buyers, Christina was a great fit for our family because she was flexible, intuitive, and honest in her service. She maintained her professionalism throughout the stressful process and answered all our questions in a simple manner. Our family is grateful for her service and now are happy in a new home.” -Ed | Normanskill, NY

“We can’t speak highly enough of our experience with Nirisa. We were first-time homebuyers with very little knowledge about how to find the right place. All throughout the negotiations and closing Nirisa was there quickly handling any issues that may have risen. Nirisa was always calm, listening to our every request for information. She was immediately responsive to our questions to help us in making a decision. When the time ever comes when I will be looking for a new home, there isn’t any question on who my Realtor will be!” -Nancy | Mechanicville, NY

Vanessa was amazing for our first home buying experience. She was very knowledgeable of the area and helped us through a process that can seem daunting. We would highly recommend Vanessa to anyone in the area and hope to work with her again in the future.” -Katy | Albany, NY

Kati is the absolute best real estate agent. We gave her a budget and a broad area to look for us, and she did the rest! She set up all our showings around my husbands crazy work schedule and rearranged anything that didn’t work for us. She was an advocate for us throughout the entire process. Her knowledge and professionalism helped us to get a great deal on our home and make sure that the home we didn’t buy was safe and worth what we were spending. She was not afraid to point out any issues a home had just to make a sale. She truly wants the best for her clients and for them to be thrilled with their purchase. I have recommended her to all of my friends who are looking to buy or sell a home in the near future. If I want to sell my house, Kati is the person I will be calling. I highly recommend her!” -Stephanie | Schenectady, NY