Karen Charbonneau
Karen Charbonneau & Karen Totino
Saratoga Springs, NY
REALTOR®
(518) 290-1009
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How Much Is My Home Worth in Saratoga Springs, New York

How Much is your home worth in Saratoga Springs, New York? If you are planning on selling your home, that is a question you need answered. As your Local Saratoga Springs Real Estate Expert, I can help you to learn the answer to that question. I will pe... Read more

Find Your Dream Home in Saratoga Springs, New York

There are so many different kinds of homes out there for families to choose from. Do you want to live in Saratoga Springs? Or are you looking for a second home? How many bedrooms and bathrooms do you need? Do you need a large back yard? RV access? An a... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more


Karen Charbonneau
     & Karen Totino

340 Broadway
Saratoga Springs, NY 12866
Karen Charbonneau (518) 290-1009  
Karen Totino (518) 573-6846
Email: Karen@SaratogaHomeTeam.com

Testimonials

"To all my current and past clients, thank-you so much for choosing me as your real estate agent. I value your opinion about what it was like to work with me and I think other prospective buyers and sellers will appreciate knowing what level of service they can expect from me." - Karen Charbonneau
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