Pine Bush NY real estate listings and homes for sale, home buying, home selling information – R J Smith Realty - Homepage

Caring Approach - Dynamic Results

Buying or selling a home?

Let me guide you through the process:

  • In the shortest time
  • With the least amount of headache
  • At the best price


Karen J. Mills

Licensed Real Estate Salesperson



A Sweet Success Story

A nice young man was tired of renting.  He wanted to own a home.  But, like so many of us, no matter how hard he tried, it was just not possible to save up a lot of money. He asked me if there was any way he could buy a house without money for a big downpayment and closing costs. I looked around and found a wonderful mortgage program for him that allowed him to include all the closing costs and downpayment into the loan.  It is true!  We just closed on his new home, and it really, truly was a no downpayment deal.  Of course there were expenses along the way that needed to be paid out-of-pocket - not a lot, but some.  However, he was fully reimbursed for all of those at the closing table!  This is a wonderful program for anyone who wants to own a home, but believes they just can't do it until they save up thousands of dollars!