Kelley Wontorski-Better Homes and Gardens Real Estate Connections

04/26/2026

Open House today 1-3
754 Cirque CT. Winfield, IN 46307

04/10/2026

01/05/2026

UPDATE: Recent improvements and seller incentives make this property especially attractive:
• Brand-new roof (2025)
• $5,000 seller credit toward flooring allowance or updates
• $525 credit toward a home warranty, buyer’s choice

✨ See the Potential at 420 E. Main St., Lowell, IN ✨

I’ve created updated renderings to showcase what this home could look like with a few strategic improvements—and the transformation is impressive.

🏡 Proposed Updates Include:
• Fresh white wall colors to instantly brighten and modernize the space
• White-painted kitchen cabinets paired with new countertops for a clean, timeless look
• A newly designed main-level bedroom with a private en-suite full bath
• The opportunity to add a second en-suite upstairs, creating flexible living options

These updates would significantly enhance both functionality and value, making the home ideal for multi-generational living, guests, or future resale.

Even better—I have trusted local companies available who can complete these updates, helping buyers turn vision into reality with confidence.

If you’re looking for a home with strong bones, flexible layout potential, and the ability to customize without starting from scratch, 420 E. Main St. is worth a closer look.

Recent improvements and seller incentives make this property especially attractive:
• Brand-new roof (2025)
• $5,000 seller credit toward flooring allowance or updates
• $525 credit toward a home warranty, buyer’s choice

Welcome to this beautifully maintained gem in the heart of Lowell—where classic charm meets cozy comfort and opportunity. This inviting 3-bedroom, 1-bath home is the perfect place to create lasting memories all year long.

From the moment you arrive, you’ll appreciate the charming front porch—ideal for seasonal décor and enjoying the peaceful neighborhood. Inside, the bright country kitchen offers a warm, welcoming space for everyday meals and gatherings. The spacious living room is filled with natural light, creating a comfortable setting for relaxation and entertaining.

Three bedrooms provide restful retreats, while the thoughtfully designed full bathroom adds everyday convenience. A full basement offers excellent storage potential, and the detached garage provides secure parking and additional space for tools or seasonal items.

Located in a friendly neighborhood close to local conveniences, this home offers comfort, value, and potential in one package.

Additional Details:
• Property is being sold As-Is
• Seller prefers to close at Fidelity National Title

Schedule your private showing today and explore the possibilities this Lowell home has to offer.

01/01/2026

New Homeownership Opportunity with Local Partners You Can Trust

I’ve teamed up with Faith Homes and DeMotte State Bank to offer a strong option for buyers looking to purchase a brand-new manufactured home on new property—all through one streamlined process.

DeMotte State Bank provides construction loan financing that allows you to bundle the land and the home together, simplifying the path to ownership. You can get started today by seeing what you qualify for with a preapproval.

I highly recommend working with Rachel Kiszenia at DeMotte State Bank, who is excellent at walking buyers through each step of the construction loan process and answering questions along the way.

Once preapproved, you can choose your 3 bed / 2 bath manufactured home at Faith Homes.
Site pricing includes everything necessary for move-in. If you’d like more detail on what this includes, just let us know—we’re happy to break it down.

Available options:

Pearl-colored home | 1,493 sq. ft.
Home + site work: $240,439.00

Gray-colored home | 1,692 sq. ft.
Home + site work: $250,892.00

Pictured property:
📍 419 Clay Street, Morocco, IN 47963
Just reduced to $70,000
Build your dream home on this spacious 1.033-acre residential-zoned property, located right in the heart of Morocco.

If you’re ready to explore building new, owning land, and keeping the process clear and local, this is a great place to start. Reach out anytime for details or next steps.

12/05/2025

🎅✨ Breaking News from Santa’s Nice List…
420 E. Main St. in Lowell is BACK ON THE MARKET and ready for a holiday miracle! 🎄🏡

This home didn’t get scooped up the first time, so it decided to come back dressed in its holiday best and wait for the right buyer to slide down the chimney (or through the front door 😉).

If buying a home is on your Christmas wish list, this could be the one!
🎁 Great layout
🎄 Cozy vibes
✨ Ready for tours NOW

Don’t wait until after the cookies are gone and the decorations come down — schedule your showing today before someone else unwraps this one!

📍 420 E. Main St. | Lowell, IN
📩 Call me to book your private tour-219-775-2891 -
Kelley Wontorski-BETTER HOMES AND GARDENS REAL ESTATE Connections!

11/14/2025

50-Year Mortgage vs. 30-Year Mortgage: What’s Best for You? Let’s Break It Down!

As a realtor, I know how overwhelming the home-buying process can be—especially when it comes to navigating mortgage options. If you’re struggling to figure out what’s best for your budget, you might be wondering whether a 30-year mortgage or a 50-year mortgage makes more sense for you.

Let’s take a look at the pros and cons of both, and how a 50-year mortgage could actually help you afford the home of your dreams… and potentially set you up for a refinance down the road.

50-Year Mortgage: Pros and Cons

Pros:

Lower Monthly Payments
With a 50-year mortgage, your monthly payments will be significantly lower than a 30-year mortgage. This can make buying a home more affordable—especially if you're in a competitive market or dealing with high home prices.

Increased Buying Power
Those lower payments can free up more of your budget, which might allow you to qualify for a larger loan. That means you could afford a bigger or nicer home than you might be able to with a traditional 30-year loan.

More Flexibility with Cash Flow
A lower monthly payment means you have more cash to work with each month for other priorities—like saving, investing, or simply enjoying life!

Cons:

More Interest Paid Over Time
While the monthly payments are lower, you'll pay more in interest over the life of the loan. It’s something to consider if you're planning on staying in the home for the long haul.

Slower Equity Growth
Since you're paying off your mortgage more slowly, you’ll build equity in your home at a slower pace, which could impact your ability to sell or refinance down the road.

Market and Interest Rate Risks
With a 50-year term, you're locking in a long-term commitment. Market shifts, interest rate changes, or personal financial changes could affect your situation down the line.

30-Year Mortgage: Why It’s the Traditional Choice

Pros:

Faster Equity Buildup
A 30-year mortgage helps you build equity faster because a larger portion of your monthly payments goes toward the principal.

Lower Total Interest
You’ll end up paying less in interest compared to a 50-year mortgage, since you're paying off the loan in half the time.

More Predictable Financial Planning
With a 30-year mortgage, you know exactly how much interest you’ll pay over the life of the loan, which helps you with long-term budgeting.

Cons:

Higher Monthly Payments
The biggest downside to a 30-year mortgage is that the monthly payments are higher, which can stretch your budget. But, if you can afford it, it’s a great option.

Potentially Limited Buying Power
Higher monthly payments could limit how much you can borrow, which might make it harder to afford a home in some markets.

How a 50-Year Mortgage Can Help You Now, Refinance Later

Here’s something to consider: You don’t have to be locked into a 50-year mortgage forever. You could use it as a stepping stone to get into the home you want now, and then refinance into a 30-year mortgage once you’ve built some equity and the home has appreciated in value.

Imagine this:

Step 1: Buy with a 50-Year Mortgage
You lower your monthly payments and get into your dream home—something you might not have been able to afford otherwise.

Step 2: Refinance to a 30-Year Mortgage
After a few years, when your home has gained value and you’ve built equity, you can refinance into a 30-year mortgage with potentially better rates and terms. This could lower your overall interest and shorten the length of your loan.

It’s a flexible approach that allows you to get into a home today, and take advantage of more favorable terms when you're ready.

Is a 50-Year Mortgage Right for You?

If you’re ready to take the next step in your home-buying journey but are feeling a bit strapped with monthly payments, a 50-year mortgage could be just the solution you need to make homeownership possible—without breaking the bank.

However, it’s always important to weigh the long-term financial impact, and I’m here to help guide you through every step of the process. Whether you’re leaning toward a 50-year mortgage or a more traditional 30-year loan, I can help you find the best option for your situation.

Feel free to reach out if you have any questions or want to chat about your options. Let's find the perfect home for you and make sure you’re on the best financial path!

Kelley Wontorski
Your go-to realtor for all things home buying and financing! 🏡✨

11/08/2025

Should you list your home for sale during the holidays? Learn why Better Homes & Gardens Real Estate® says the winter market could offer many benefits for homeowners.

10/28/2025

The journey to your dream home starts with a single step. Explore the possibilities and find the perfect property by visiting our website today.

10/21/2025

A home is more than just a place; it's where memories are made. Uncover the true potential of your property by visiting our website today for expert insights and guidance.