Jill Zarcone NYS RE Salesperson

10/18/2026

Love being out of my area and seeing my amazing colleagues face!!

10/14/2026

Oh, Hi! 👋

10/14/2026

Thinking about buying your first home in the Hudson Valley?

You might be closer than you think. 🏡
Here’s the part nobody tells you: you do NOT need 20% down.

Most first-time buyers I talk to are surprised by how much help is actually out there in New York. Let me break it down for you:

1. SONYMA - New York’s own helper SONYMA (the State of New York Mortgage Agency) offers below-market mortgages to first-time buyers, plus a Down Payment Assistance Loan: up to $15,000 or 3% of your purchase price, at 0% interest with no monthly payment, forgiven over 10 years. There’s also an enhanced version DPAL Plus up to $30,000 for lower income buyers, but funds are limited and first-come, first-served. You apply through a SONYMA participating lender, not the state directly.

2. FHA loans - 3.5% down
FHA loans are one of the most common first-time buyer paths: as little as 3.5% down with more flexible credit requirements.

3. VA and USDA - 0% down
Veterans, active-duty military, and surviving spouses: VA loans typically require no down payment. And USDA loans also 0% down cover eligible rural areas, and a lot of our Hudson Valley towns qualify.

A few things to know:
• “First-time buyer” generally means you haven’t owned a home in the last 3 years (veterans and buyers in certain target areas can be exceptions).
• Income and purchase price limits vary by county.
• Most assistance programs ask you to complete a homebuyer education course, it’s genuinely useful, not just a hoop.
• Programs and limits change, so always confirm the current details with your lender.

If buying has been on your mind, let’s talk it through over coffee- no pressure, just real talk about where you stand and what your options actually look like.

What’s the #1 thing holding you back from buying right now the down payment, credit, or just not knowing where to start?

Tell me below. 👇

10/10/2026

Enjoy this beautiful Saturday!!

10/09/2026

We be rollin’ in this crazy real estate market! 🏡🔥🚗💨

🔥 Hot and fresh on the market one day… SNATCHED UP the next!

This market sure knows how to keep us on our toes! 😂

10/09/2026

It was absolutely awesome working with the amazing Ruby Torres on this one! 🏡❤️

A huge congratulations to our buyer! 🎉 Here’s to new beginnings, exciting adventures, and a lifetime of wonderful memories in your new home!

Cheers to your next chapter! 🥂🔑

10/08/2026

👏 🙌 👏

10/07/2026

Special delivery today. 📚✨
The Energy Quadrant by Shaun Rawls is officially in my hands, and I’m excited to dive in.

One thing I’ve learned in real estate—and in life—is that you can never stop learning. Markets change. People change. Business changes. And if you want to continue growing, leading, and serving people at a high level, you have to keep educating yourself.

Knowledge is power. If you know, you know. 😉

Always learning. Always growing. Always working to become better than I was yesterday.

Master your energy. Multiply your life. ❤️🏡

10/02/2026

💜🦋💜

💜🌈 🌈💜

I know firsthand that life isn’t always fair. Sometimes life can be downright cruel and unforgiving, and there are moments when we simply can’t understand why the people we love are asked to walk such difficult roads.

But I also believe deeply in the power of prayer, love, community, and showing up for one another. I believe in surrounding people with so much love and light that even in their darkest hours, they know they are never walking alone.

A beautiful family very close to our hearts already knows the cancer journey far too well. Harper’s mom has been fighting her own battle with cancer and is currently continuing maintenance treatment.

And this past week, their family received news no parent ever wants to hear.

Their beautiful young daughter, Harper, has been diagnosed with Hodgkin lymphoma. 💜

Hodgkin lymphoma is a cancer of the lymphatic system, which is part of the body’s immune system. While Harper has a difficult journey ahead of her, she has something incredibly powerful surrounding her: an army of people who love her, believe in her, and are ready to stand beside her every step of the way.

Harper is brave. She is strong. She is surrounded by love and light. And she has one incredibly strong mama showing her exactly what it means to fight.

We believe in you, Harper. 🌈🦋💜

For the entire month of October, Greater Things Roasters will donate 50% of the proceeds from every October specialty drink sold directly toward Harper’s journey, helping her family with travel and other expenses associated with her treatment.

And because this family means so much to us, Ray and I personally will match the total amount raised through this campaign. Every dollar our community helps raise will be met with a dollar from us. It is our way of standing beside Harper and her family and reminding them that they do not have to carry this journey alone.

So when you stop in for your October specialty drink, you’re doing more than buying a cup of coffee. You’re helping us wrap this beautiful little girl and her family in the love and support they deserve.

Please join us. Say a prayer. Share her story. Grab a drink. Send some love.

And most importantly, help us remind Harper that she does not fight alone.

💜🌈🦋 We stand with Harper. We believe in Harper. 🦋🌈💜