Alysha Rizzicone, Licensed Real Estate Salesperson

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Alysha Rizzicone, Licensed Real Estate Salesperson

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Licensed Real Estate Salesperson Hi, I am Alysha Rizzicone, with Crystin & Co. Realty. My clients' concerns, fears, and happiness are my first priority.

I would be honored to provide my real estate services to you whether you are looking to buy, sell, rent, or invest. Having worked in the healthcare industry for 9 years empowering people with disabilities to lead healthy, happy and productive lives, I have decided to venture out into Real Estate. My passion for real estate started when I was 21 years old and bought my first home. Buying your first home can be scary but I was lucky enough to work with a salesperson who made the transaction go smoothly. She held my hand through the entire process and I would like to be that relief to you. Being a real estate salesperson, is just as important as my previous career because it gives me the opportunity to empower and support people through some of their most important transactions, buying, selling, renting or investing in real estate. My goal as a real estate agent is to build a long-term friendship with my clients. Feel free to call/text me directly at (518) 728-9615. I would be happy to help you in your search for a new home/apartment, sell your existing home, or investing in real estate. Hope to hear from you soon!

11/05/2026

Wondering where mortgage rates are headed?

The latest forecasts from Fannie Mae, MBA, and Wells Fargo show rates settling in somewhere between about 6.9% and 7.5% through the end of 2027. That means no big drop is expected, and there’s no big spike to worry about either.

Why? These forecasts are based on where the economy, the job market, and world events stand today. Until those things change, rates probably won’t either.

While it may not be the direction you were hoping for, that kind of steadiness does make it a lot easier to plan your next move.

Let’s run the numbers on what buying or selling looks like at today’s rates, so you can decide based on your goals, not the headlines.

11/04/2026

The headlines about home sales falling through may sound scary. But here's something sellers should know. Most sales go through just fine. Only roughly 10-15% hit a snag.

And the #1 reason those buyers back out is something you can actually head off before it ever becomes a problem.

By getting a pre-listing inspection, you can avoid surprises and keep your sale moving forward, because you’ll already know what the buyer’s inspection will find and can fix it before you ever list or go in ready to negotiate.

Don't let fear of the what-ifs hold you back. With the right prep and a smart strategy, selling is still possible. I help people do it every day.

Let's talk about how to set your house up for success.

11/03/2026

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

11/02/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.

10/30/2026

Pop quiz. What credit score do you need to buy a home?

If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit.

But you probably don’t need as high a credit score as you think.

Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan.

So the real answer? Both A) 620 and D) “it depends” are right.

And with all the changes to credit models lately, even more people will be able to buy than before.

Don’t let myths keep you locked into a lease. Let’s find out where you actually stand.

10/29/2026

What if you finally get an offer on your house... and then the buyer backs out?
It's every seller's nightmare. And with headlines about canceled contracts on the rise, it's a concern worth talking about.

But here's what those headlines aren't telling you: 85–90% of home sales still make it to closing.

And there's more good news. You can actually take steps to protect your sale before your house even hits the market.

According to a Redfin survey, 70% of agents say inspection or repair issues are a reason buyers back out. That's the biggest reason reported, by far.

So, what's one smart move you can make?

Consider getting a pre-listing inspection. It could help you spot potential problems early, decide what to fix, and avoid surprises that might send a buyer running.

And that's just one piece of the puzzle. The right preparation, pricing, and negotiation strategy can make a real difference.

Selling your house doesn't have to feel like a gamble. A little preparation can give you a much stronger start.

Thinking about selling? Send me a message, and let's talk about how to set your sale up for success.

10/28/2026

In case you haven’t heard, 27% of homes sold in September were bought with cash, according to NAR. That’s more than 1 in 4.

When you hear a number like that, it’s easy to wonder how that’s even possible nowadays – especially with so many people struggling with affordability.

You might picture wealthy investors with deep pockets…but not all cash buyers are who you'd think.

Some are just regular homeowners who’ve built up enough equity over the years to sell their house and buy their next one in cash.

So sure, affordability is tight. But that doesn't mean buying a home today is only possible for the wealthy or big investors.

If you own a home and you’ve lived there for a while, you may be in a better position to move than you think.

Want to know how much equity you have? Let’s find out what it could do for your next move.

10/27/2026

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold.

10/26/2026

Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home?
Here's why that matters.

When the market slows, homeowners and builders don't always react the same way.

A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money.

That can make builders more motivated to negotiate. And the numbers prove they're already making moves.

According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%.
For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate.

And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers.

So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate.

10/23/2026

What if your first home isn't a house at all?

If you've been struggling to find a traditional single-family home that fits your budget, don't overlook condos.

According to Zillow, the typical starter condo costs under $200k nationally. Part of the reason they can be more affordable than a single-family home is because they’re normally smaller.

Sure, you may trade some square footage or a backyard for shared walls and an HOA fee. But you could also get a lower purchase price, great amenities, and less maintenance to handle yourself.

And if that means getting your own set of keys sooner, it could be an option worth exploring.

Your first home doesn't have to check every box you originally imagined. It just needs to be the right fit for your life and your budget right now.

Let's look at what's available in our area and see if a condo could be your way into homeownership.

Address

1801 Altamont Avenue
Schenectady, NY
12303

Telephone

+15187289615

Website

http://alysharizzicone.com/

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