The Lowry Team - EXP Realty

The Lowry Team - EXP Realty The Lowry Team is an award winning real estate firm specializing in Southwest, West Central & Northwest Ohio real estate. http://www.LowryTeam.com

The Lowry Team – eXp Realty is an award winning, full service real estate firm specializing in West Central and Southwest Ohio. The Lowry Team is “Different By Design”… taking a team approach to home buying and selling. The Lowry Team consists of members that are focused on areas of specialization including Listing Specialists, Buyer Specialists, Transaction/Listing Coordinator, Inside Sales Assoc

iate and a Marketing Director. Don’t Hire an Agent…Hire a Team. The Lowry Team. Buyers and Sellers can reach The Lowry Team - eXp Realty by calling or texting 513-368-3751.

Everyone talks about spring as the best time to buy. But the buyers who know what they're doing? A lot of them wait for ...
09/03/2026

Everyone talks about spring as the best time to buy. But the buyers who know what they're doing? A lot of them wait for fall. 🍂🏡

According to HousingWire Data and Realtor.com, fall brings three distinct advantages that buyers in Greater Cincinnati don't get any other time of year:

✅ More choices
Wait — doesn't inventory drop in fall? Not as dramatically as people think. Sellers who listed in spring and summer and haven't sold yet are still on the market — and they're motivated. Combined with new fall listings from sellers who need to move before year-end, there's more selection than most buyers expect. And with 500,000 more sellers than buyers nationally right now, the inventory picture in West Chester, Mason, Fairfield, and Liberty Township favors buyers heading into Q4.

✅ Softer pricing
The buyers who drove up competition and prices during spring and summer have largely made their moves. The pool has thinned. Sellers who have been sitting since May are watching their neighbors drop prices — and many are ready to negotiate in ways they simply weren't six months ago. Over 40% of sellers have already reduced asking prices. Fall is when that softening is most accessible.

✅ More negotiation
Fall sellers are often the most motivated sellers of the year. Families who need to close before the holidays. Relocating employees on corporate timelines. Sellers who tried spring, didn't sell, and are now genuinely ready to deal. That motivation translates directly into negotiating room on price, concessions, closing costs, and timelines — all of the things buyers couldn't touch in 2021 and 2022.

The hidden fall advantage nobody talks about:

Fewer competing buyers. The people who said "we'll buy this fall" in June? Many of them got distracted, got cold feet, or are still "waiting for rates to drop." The buyers who actually show up in September and October are serious — and they're walking into a market with motivated sellers and minimal competition from other buyers.

That's a combination that only exists a few weeks a year. And it's almost here. 🙌

One thing to remember:

Fall buyers need to be prepared BEFORE the leaves change — not after. Get pre-approved now. Know your budget. Have your agent ready. The best fall opportunities move fast even in a buyer-favorable market, because serious sellers attract serious buyers quickly.

The Lowry Team knows the Cincinnati fall market inside and out. We know which neighborhoods have motivated sellers, which listings have been sitting, and exactly how to position your offer to win in this environment.

👉 Link in bio to get ready at LowryTeam.com — let's make fall your season. 🍂

Something historic just happened in the housing market — and it's a big deal for buyers. 🏗️For the first time in years, ...
09/02/2026

Something historic just happened in the housing market — and it's a big deal for buyers. 🏗️

For the first time in years, newly built homes are actually cheaper than existing homes.

Median sale price, July 2026: (Sources: Census, NAR)
🏠 Existing homes: $434,100
🏗️ Newly built homes: $393,800

That's a $40,300 difference — in favor of brand new construction.

This has historically been flipped. New homes typically commanded a premium over existing homes because you were paying for everything being brand new. Builders have aggressively adjusted pricing, reduced square footage, and added incentives to move inventory — and the result is a genuinely rare pricing window that buyers in Greater Cincinnati should not overlook.

Think about what $40K less on a new home actually means:

💰 Lower purchase price = smaller down payment needed
📉 Less to finance = lower monthly payment
🏦 More room in your budget for upgrades, furniture, or savings
🎨 AND you still get everything brand new — roof, HVAC, appliances, warranties, modern layouts, energy efficiency

The new construction advantage in Cincinnati's suburbs:

Communities in Liberty Township, West Chester, Mason, and the broader Butler County area have active new construction that's now priced below comparable existing homes in many cases. Add builder incentives — rate buydowns, closing cost contributions, free upgrades — and the total value picture gets even more compelling.

The one thing most buyers forget:

You need your own agent when buying new construction. The builder's agent represents the builder — not you. Having the Lowry Team represent you costs you nothing and ensures someone is negotiating on your behalf, reviewing every line of the contract, and making sure you're getting every available incentive.

This pricing gap won't last forever. As builders sell through inventory and start new communities, new home prices will normalize back above existing homes. 🙌

👉 Link in bio to explore new construction options in Greater Cincinnati at LowryTeam.com

This chart explains a lot about what's happening in the housing market right now. 📊According to Redfin, there are curren...
09/01/2026

This chart explains a lot about what's happening in the housing market right now. 📊

According to Redfin, there are currently far more active sellers than buyers in the market — and that gap has been widening significantly since mid-2024.

~1,500,000 active sellers
~975,000 active buyers

That's roughly 500,000 more sellers than buyers competing for the same pool of qualified purchasers.

What this means in plain English:

The balance of power has genuinely shifted. When sellers outnumber buyers by this much, competition between sellers increases — which is exactly why we're seeing price reductions top 40%, concessions offered by nearly half of all sellers, and days on market climbing.

This is supply and demand working exactly as it should — just in buyers' favor for once. 🏡

For buyers in West Chester, Mason, Fairfield, and Liberty Township:

You have options. Real ones. The kind that didn't exist in 2021 when buyers were practically begging sellers for a chance. Today you can negotiate. Today you can ask for closing cost help. Today you can include inspection contingencies. Today you can take a breath and make a thoughtful decision.

But here's the nuance this chart also shows: buyer activity has been slowly declining even as seller activity climbs. That means the qualified, prepared buyers who ARE in the market right now are facing less competition from other buyers — making this one of the best environments to find and close on a great home we've seen in years.

For sellers in Greater Cincinnati:

This chart is why pricing strategy matters more than ever. With ~500,000 more sellers than buyers nationally, your home needs to earn buyer attention — not just expect it. The sellers winning right now are the ones priced correctly, presented beautifully, and marketed aggressively from day one.

The sellers struggling? They're pricing like it's 2021 in a 2026 market. And the longer they wait to adjust, the more it costs them. 💰

The Lowry Team helps sellers cut through the noise and buyers capitalize on the opportunity — in any market conditions. 🙌

👉 Link in bio to connect with us at LowryTeam.com

One of the most common questions we hear from first-time buyers in Greater Cincinnati: "Can I use my 401(k) to buy a hom...
08/31/2026

One of the most common questions we hear from first-time buyers in Greater Cincinnati: "Can I use my 401(k) to buy a home?" 🏡

Short answer: yes. But it comes with real tradeoffs worth understanding before you do. (Source: Bankrate)

The Pros:

✅ No approval needed — It's your money. No credit check, no lender approval, no waiting on underwriting.

✅ It's fast — Funds are typically available within days, which can be critical when you're trying to close on a home in West Chester, Mason, or Fairfield.

The Cons:

❌ There's typically a cost — Early withdrawals before age 59½ usually trigger a 10% penalty PLUS ordinary income tax on the amount withdrawn. On a $20,000 withdrawal, that could mean $4,000–$8,000+ gone before you see a dollar.

❌ Long-term impact — Every dollar you remove from your 401(k) today loses its compounding growth potential for decades. $20,000 withdrawn at 35 could cost you $150,000+ in retirement wealth by 65.

Before you tap your 401(k) — consider these alternatives first:

🔍 401(k) loan vs. withdrawal — Many plans allow you to borrow from your 401(k) instead of withdrawing. You pay yourself back with interest, avoid the penalty, and keep the money growing. Worth exploring with your plan administrator.

🏦 FHA loans — As low as 3.5% down. Much less cash needed upfront.

🏡 Ohio OHFA programs — Down payment assistance specifically for Ohio buyers that doesn't require raiding retirement savings.

🤝 Seller concessions — 46% of sellers are currently offering them. That's real cash that could cover closing costs and reduce what you need out of pocket.

💰 Down payments are at their lowest since 2021 — The bar may be lower than you think without touching your retirement.

The bottom line: using your 401(k) is an option — but it should be the last resort, not the first one. Before you make that call, talk to a financial advisor AND connect with our team to explore every alternative available to you in today's Cincinnati market. 🙌

We're not financial advisors — but we know the programs, the lenders, and the strategies that help buyers get into homes without sacrificing their financial future to do it.

👉 Link in bio to start the conversation at LowryTeam.com

👏 👏  Congratulations ERIC LOWRY on another great sale! in today's market, it truly calls for market expertise, way to go...
08/28/2026

👏 👏 Congratulations ERIC LOWRY on another great sale! in today's market, it truly calls for market expertise, way to go Eric💥

⭐ ⭐ ⭐ ⭐ ⭐ Our Clients Say The Nicest Things! 😍 💖
08/27/2026

⭐ ⭐ ⭐ ⭐ ⭐
Our Clients Say The Nicest Things! 😍 💖

Over 40% of sellers are dropping their asking price. Here's what that tells us — and what it means for you. 📊According t...
08/27/2026

Over 40% of sellers are dropping their asking price. Here's what that tells us — and what it means for you. 📊

According to HousingWire Data, more than 4 in 10 active listings have already had a price reduction.

Two very different stories depending on which side of the transaction you're on:

If you're a buyer in Greater Cincinnati 🏡

This is negotiating power you haven't had in years.

Price reductions are a signal. They tell you the seller is motivated, that the original price wasn't landing with the market, and that there's room to negotiate — not just on price, but on concessions, closing costs, and terms.

When you see a price-reduced listing in West Chester, Mason, Fairfield, or Liberty Township, don't automatically assume something is wrong with the home. Often it just means the seller started too high and has now recalibrated to reality. That recalibration is your opportunity. 🙌

A great buyer's agent knows how to read these situations and negotiate accordingly — getting you the home AND the best possible deal on it.

If you're a seller 🏠

This stat should be a wake-up call — not a reason to panic, but a reason to price right from day one.

We've shared this before: homes that sit and require a price reduction sell for significantly less than homes that are priced correctly and sell quickly. Buyers notice days on market. They notice price history. And they use both as leverage.

The sellers NOT dropping their price? They priced it right to begin with. They came in with a strategy built on real, current data — not hope. And they're the ones walking away with the strongest net proceeds. 💰

Pricing your home correctly in today's Greater Cincinnati market isn't pessimism. It's the move that maximizes what you actually put in your pocket at closing.

The gap between sellers who price right and sellers who don't has never been more visible than right now. The Lowry Team helps you be on the right side of that stat — every time.

👉 Link in bio to connect with us at LowryTeam.com

In a world of noisy headlines and confusing market predictions — here's what's actually happening. 🏡According to Freddie...
08/26/2026

In a world of noisy headlines and confusing market predictions — here's what's actually happening. 🏡

According to Freddie Mac, NAR, and Realtor.com, the housing market right now is doing something a lot of people aren't giving it credit for:

It's holding steady.

📊 Home prices: Flat or slight increase in most markets
🏘️ Inventory: Right in line with last year
📉 Mortgage rates: Staying mostly between 6–7% since 2022

No crash. No frenzy. No dramatic swings in any direction.

Just a stable, functioning housing market doing what healthy markets do.

And here's why that's actually really good news — especially for buyers and sellers in Greater Cincinnati.

Stability means predictability. When prices aren't spiking or crashing, when inventory is consistent, and when rates are moving in a narrow band — you can make a decision with confidence. You're not racing against a runaway market. You're not trying to catch a falling knife. You're buying or selling in conditions where smart strategy wins over panic and luck.

Stability means the urgency is real but not manufactured. Prices are still growing — just steadily. Rates aren't dramatically improving — so waiting has a real cost. Inventory isn't flooding the market — so competition for the right home in West Chester, Mason, Fairfield, and Liberty Township is still meaningful.

Stability means NOW is a perfectly reasonable time to move. Not desperate. Not rushed. Just ready. 🙌

The buyers and sellers who do best in a stable market aren't the ones who waited for excitement. They're the ones who recognized a solid opportunity, prepared well, and executed with a great team.

That's what we do every day at the Lowry Team.

👉 Link in bio to get started at LowryTeam.com — steady market, steady team, steady results.

If you've been wondering what the rest of 2026 holds for the housing market — the experts just gave us their clearest an...
08/25/2026

If you've been wondering what the rest of 2026 holds for the housing market — the experts just gave us their clearest answer yet. 📊

According to Freddie Mac, FHFA, NAR, Fannie Mae, Wells Fargo, HPES, and MBA — six of the most respected names in housing — here's what to expect:

Mortgage Rates:
📌 August average: 6.67%
📌 Q3 forecast: 6.62%
📌 Q4 forecast: 6.63%

Home Prices:
📌 Current year-over-year growth: +2.2%
📌 2026 full-year forecast: +2.0%

The headline? More of the same.

And honestly — that's not bad news. That's actually really useful news. Here's why.

For buyers in West Chester, Mason, Fairfield, and Liberty Township:

Rates aren't crashing. We've established that. But they're also not spiking. The 6.6% range appears to be where we're settling for the foreseeable future — which means the buyers who act now and those who wait another 3 months are going to be looking at essentially the same rate environment.

What WON'T be the same? Home prices — up another 2% by year end. On a $400,000 home that's $8,000 more. On a $450,000 home that's $9,000 more. Every month of waiting costs real money when prices are appreciating.

For sellers:

A stable rate environment means a predictable buyer pool. Buyers aren't waiting for a dramatic rate drop — they're making decisions based on their lives and their budgets. A well-priced, well-presented home in Greater Cincinnati right now has a qualified buyer pool actively looking at it. 🏡

The strategic read:

When six major forecasters agree — and they're all saying "steady" — that's not uncertainty. That's clarity. The market isn't going to dramatically improve for buyers waiting on rates, and it isn't going to dramatically worsen for sellers. What exists right now is what you have to work with.

And what exists right now is actually pretty good for everyone who's prepared and ready to move. 🙌

👉 Link in bio to connect with our team at LowryTeam.com — let's make your move before Q4 price appreciation gets here.

Getting under contract is exciting. Staying under contract is the job. 🏡According to Redfin, here are the top reasons ho...
08/24/2026

Getting under contract is exciting. Staying under contract is the job. 🏡

According to Redfin, here are the top reasons home sales fall through:

🔍 70% — Inspection or repair issues
💳 28% — Buyer's financing fell through
🏠 21% — Buyer's current house didn't sell
📋 15% — Change in buyer's situation

The good news? Every single one of these is either preventable or manageable with the right preparation and the right team.

Let's break down how:

70% — Inspection issues
For sellers: a pre-listing inspection is one of the smartest investments you can make. Know what's coming before buyers do — fix what matters, disclose what you can't, and price accordingly. No surprises = no falling out of contract.

For buyers: don't skip the inspection to be competitive. In today's more balanced market in West Chester, Mason, and Fairfield, you don't have to. A thorough inspection protects your investment and gives you negotiating leverage for repairs or credits.

28% — Financing fell through
Get fully pre-approved — not just pre-qualified — before you start shopping. Know the difference. A pre-approval means a lender has verified your income, assets, and credit. A pre-qualification is an estimate. One holds up at closing. One sometimes doesn't.

Also: don't make major financial moves between contract and closing. No new credit cards, no big purchases, no job changes. This is where deals die quietly.

21% — Buyer's house didn't sell
We just covered this — the sell-first vs. buy-first decision matters enormously here. Having a strategy for your existing home before you go under contract on a new one is critical. Bridge loans, simultaneous closings, and sale contingencies all have a role depending on your situation.

15% — Change in buyer's situation
Life happens. But being financially prepared — with pre-approval, stable employment, and a clear budget — reduces the risk of a life change derailing your purchase.

Here's the bottom line: the #1 job of an experienced agent isn't just finding you a home or a buyer. It's keeping the deal together all the way to the closing table. That's where the Lowry Team earns its reputation every single day. 🙌

👉 Link in bio to connect with us at LowryTeam.com — let's make sure your next transaction makes it all the way to closing day.

Address

300 E. Business Way, Suite 200
Cincinnati, OH
45241

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