Renee Orlewicz, Realtor

01/01/2026

12/05/2025

Knowing how much home you can truly afford before buying is essential for making a smart and sustainable financial decision. Many buyers focus only on the mortgage payment, but true affordability includes property taxes, homeowners insurance, maintenance, utilities, and potential HOA fees. Overextending your budget can lead to financial stress, making it difficult to cover unexpected expenses or save for future goals. Lenders may approve you for a higher loan amount than what’s comfortable for your lifestyle, so it’s important to analyze your monthly income, debts, and long-term financial plans. By setting a realistic budget and sticking to it, you can enjoy homeownership without sacrificing financial stability or peace of mind.

11/06/2025

Property taxes are a levy imposed by local governments, such as cities, counties, or municipalities, to fund public services like schools, roads, and emergency services. They are calculated based on the assessed value of your property, which is determined by a local assessor.

The tax rate, often referred to as a millage rate, is applied to this assessed value to determine the amount owed annually.

Property taxes can vary widely depending on the location, size, and value of the property, as well as local tax laws.

Typically, they are paid annually or semi-annually, either directly by the homeowner or through an escrow account managed by a mortgage lender.

10/29/2025

Just in time for Halloween, let’s clear the cobwebs on some haunting real estate myths! 👻 Many buyers believe you must have 20% down to purchase a home, but that’s simply not true - there are many loan programs with lower requirements. Another spooky myth? That fall is a bad time to buy or sell. In reality, motivated buyers are still active, and listings often face less competition this time of year. Don’t let these myths scare you away from your real estate goals—knowledge is the best way to keep the monsters at bay! 🏡✨

10/25/2025

Buying into a community with a Homeowners Association (HOA) means agreeing to rules and monthly fees that maintain common areas and protect property values. Understanding what’s covered, how fees work, and any restrictions is essential before making an offer. A quick HOA education can prevent future frustration and help buyers decide if the neighborhood is the right fit. Always ask your agent about the specifications of an HOA when looking at a home that has one!

10/15/2025

A title company is one of the unsung heroes of every successful real estate transaction. A title company ensures that a property is legally ready to be bought or sold. They verify the chain of ownership, check for liens, and issue title insurance to protect both buyer and lender from potential disputes. This behind-the-scenes work safeguards the entire transaction.

09/18/2025

Property taxes can vary widely depending on where you live, but they play a big role in your overall housing budget. Taxes are based on your home’s assessed value and local rates, and they fund essential services like schools, roads, and emergency services. Before buying, check the property tax history and rates in the area so you know what to expect. Being aware upfront helps avoid surprises down the road.

09/16/2025

Not all upgrades are created equal when it comes to resale value. According to industry reports, the top renovations with the best return on investment are:
1️⃣ Minor kitchen remodels (think updated cabinets and appliances).
2️⃣ Bathroom updates (new fixtures, modern vanities, fresh tile).
3️⃣ Adding usable living space (finished basements or attic conversions).
If you’re planning to sell in the future, these updates can give you the biggest bang for your buck.

08/04/2025

A buyer’s agent is more than just someone who opens doors. They’re a trusted guide throughout the entire home buying journey. From helping clients find listings that match their needs, to crafting competitive offers, to negotiating on their behalf, buyer’s agents are advocates every step of the way. They help coordinate inspections, communicate with lenders, and manage timelines to ensure a smooth closing. A great agent is there to protects your interests and eliminate stress during what can be a complex process.

08/01/2025

A Comparative Market Analysis (CMA) is one of the most powerful tools real estate agents use to help sellers price their homes accurately. It compares recently sold homes in the area, active listings, price per square foot, and market trends to give sellers a realistic idea of what their home is worth. A well-prepared CMA helps avoid overpricing (which leads to stale listings) or underpricing (which could leave money on the table). It’s one of the first steps in a smart selling strategy! Call me if you’d like one!!

07/30/2025

Listing your home above market value might seem like a good way to maximize profit, but it often backfires. Overpriced homes tend to sit on the market longer, which can make buyers suspicious and less interested. This can lead to fewer showings and eventually force you to lower the price—sometimes below what you could have gotten if priced right from the start. Pricing your home competitively helps attract serious buyers quickly and increases your chances of a faster, smoother sale.