Svitlana Kwee, Realty Team

  • Home
  • Svitlana Kwee, Realty Team

Svitlana Kwee, Realty Team Join me on this page to stay on the top of real estate news, statistics and other useful info so you

Rising oil prices. Rising bond yields. Mortgage rates reacting again.Many people ask me lately: what does this actually ...
10/03/2026

Rising oil prices. Rising bond yields. Mortgage rates reacting again.
Many people ask me lately: what does this actually mean if you’re buying or selling a home right now?

Here is the simple explanation.

When oil prices go up, inflation pressure usually follows. Investors then demand higher yields on government bonds. Mortgage rates are closely tied to those bond yields, so when yields move higher, mortgage rates often move up as well.

What does this mean in real life?

For buyers, higher rates can slightly increase the monthly payment. Some buyers pause, waiting to see where rates go next. But this also creates opportunity. When fewer buyers compete, serious buyers often have more negotiating power, more seller concessions, and sometimes better prices.

For sellers, the market is still active, but pricing strategy matters more than ever. Homes that are positioned correctly with the right price and presentation continue to attract buyers, while overpriced homes tend to sit longer.

Real estate markets are rarely driven by just one factor. Even when rates fluctuate, people still move, relocate, invest, grow families, or downsize. Those life decisions keep the market moving.

The key today is strategy, timing, and understanding the numbers, not just the headlines.

If you’re curious how these economic shifts could affect your specific situation in Arizona, feel free to reach out. I’m always happy to walk through the numbers and help you build the right plan.

Svitlana Kwee
eXp Realty
602-772-1237

, , , , , , , , ,

Happy International Women’s Day.Today I’m thinking about the quiet strength that so many women carry every single day.Th...
08/03/2026

Happy International Women’s Day.

Today I’m thinking about the quiet strength that so many women carry every single day.

The kind of strength that shows up early in the morning, answers responsibilities, supports family, encourages friends, and still finds a moment to smile in the mirror and say, I deserve care too.

Modern women wear many roles.
Nurturers. Builders. Dreamers. Partners. Mothers. Friends. Leaders.

Many days require persistence, discipline, and courage.
Other days invite softness, laughter, and grace.

And somehow we learn to hold all.

With time we realize something beautiful: we are becoming wiser. We understand ourselves more deeply, choose our priorities more intentionally, and protect the energy that allows us to keep growing.

The real power of a woman is this balance — the fragile elegance the world sees on the outside, and the unstoppable determination quietly working within.

Life is not always easy. Yet when we surround ourselves with the right people, nurture meaningful relationships, and allow ourselves moments of joy, everything begins to feel deeper and more rewarding.

Today is simply a reminder to celebrate that journey.

The courage to keep moving forward.
The grace to stay feminine.
And the wisdom to build a life that feels truly ours.

Happy International Women’s Day.

, , , , , , , , ,

💥 Have you noticed how the commercial real estate landscape has been shifting over the last few years?Yesterday, some ex...
06/03/2026

💥 Have you noticed how the commercial real estate landscape has been shifting over the last few years?

Yesterday, some exciting news was released. eXp Commercial was named one of the Top 25 Commercial Real Estate Brands for 2026 by The Lipsey Company.

For those who have been in commercial real estate for a while, you know the Lipsey survey carries real credibility. It’s based on feedback from thousands of owners, investors, and industry professionals across the CRE world.

What makes this especially meaningful is that commercial real estate has historically been dominated by long-established legacy brokerages. Seeing a modern, cloud-based brokerage earn a place among the Top 25 global brands speaks to the momentum that has been building.

Many commercial brokers today are re-evaluating the traditional brokerage structure and looking for models that offer more collaboration, flexibility, and opportunities to build long-term income alongside their production.

If you’re a commercial broker at another firm and you’re curious why more agents are exploring this platform, feel free to reach out to me. I’m always happy to share what I’m seeing in the market and why many brokers are taking a closer look.

https://lipseyco.com/top-commercial-real-estate-companies/

Svitlana Kwee
eXp Realty
602-772-1237

, , , , , , , , ,

⚠️ Assumable VA loan opportunity — or buy after foreclosure. Two possible paths.A home near Gilbert Rd & Guadalupe Rd in...
06/03/2026

⚠️ Assumable VA loan opportunity — or buy after foreclosure. Two possible paths.

A home near Gilbert Rd & Guadalupe Rd in Gilbert, AZ is currently listed around $450,000, and the financing behind it creates an interesting situation.

Option 1 — Assume the existing VA loan

The current loan balance is about $483,000 with an interest rate around 2.875% and about 26 years remaining.

Estimated principal & interest payment: about $2,200/month (taxes and insurance not included).

Compared with today’s mortgage rates around 6%, that lower rate could mean about $700–$800 less per month — potentially over $200,000 in interest savings over the life of the loan.

Option 2 — Purchase after foreclosure

If the property goes fully through foreclosure, the buyer would likely purchase around $450,000 but with today’s mortgage rates around 6%.

A loan around that amount at current rates could bring the principal & interest payment closer to $2,900–$3,000/month.

Sometimes the real opportunity is not just the home — but the financing attached to it.

The home itself offers:

• 3 bed | 3 bath
• 1,504 sq ft
• Two-story layout
• 2-car garage
• Backyard with covered patio

The market value in the area is higher, and I can share the comparable sales and full financial breakdown.

Reach out if you’d like to explore this opportunity or similar ones.

Svitlana Kwee
eXp Realty
📞 602-772-1237
LCO: Matthew Potter Real Brokerage

, , , , , , , , ,

Katia, huge congratulations on hitting 100% capped! 🎉I’m so proud of you. Watching how you work is truly inspiring. Your...
04/03/2026

Katia, huge congratulations on hitting 100% capped! 🎉

I’m so proud of you. Watching how you work is truly inspiring. Your work ethic, your consistency, and your “no excuses” mindset speak volumes about the kind of professional you are.

You’re building your business while raising a little one at home and preparing to welcome another baby — and still showing up, pushing forward, and growing. That takes real strength and discipline.

You are a true boss lady, and this milestone is well deserved. I have no doubt the next stop is Icon Agent.

Proud to know you and proud to be on this journey together. Keep shining. 💫

04/03/2026

💥 UNDER CONTRACT!

Sunshine. Lake days. Golf mornings. Arizona freedom.

I just put my buyer under contract on a stunning home in Lake Havasu City — 3 years old, 1,900 sq. ft., 3 bed, 2 bath, only 10 minutes to the lake.

And here’s what matters.

We had been looking for a while.
Nothing with this price per square foot.
Nothing with finishes this clean and modern.

When this one hit the market — we moved immediately.

Because in today’s Arizona market, the right home at the right value does not wait.

This is exactly how I work with my buyers across the Metropolitan Phoenix area —
Phoenix, Scottsdale, Chandler, Gilbert, Mesa — and beyond.

Strategy.
Speed.
Strong positioning.

Are you planning to relocate to Arizona?
Do you want the lifestyle — without overpaying or losing out?

Let’s make sure you’re ready when the right opportunity appears.

📲 Svitlana Kwee
Exp Realty
602-772-1237
🌐 www.assumeazhome.com

Message me “MOVE” and let’s build your plan.

Video courtesy of the listing agent.

, , , , , , , , ,

Scottsdale at 2.96% — assumable.Yes, you read that right.Your payment (principal & interest): ~$2,300/monthInstead of to...
03/03/2026

Scottsdale at 2.96% — assumable.

Yes, you read that right.

Your payment (principal & interest): ~$2,300/month
Instead of today’s market payment: ~$3,200/month

That’s about $900/month saved.
Over the remaining 25 years — roughly $270,000 kept in your pocket.

• Purchase price: $699,000
• Nearly 1,800 sq. ft.
• 3 bed | 2 bath
• Remodeled — quartz countertops, stainless appliances
• Bright open layout
• Prime location near Old Town Scottsdale (Scottsdale Rd & McDowell)

And here’s the key:

This VA loan may be assumed by veterans, non-veterans, primary residents, or investors (qualification guidelines apply).

That’s the opportunity.

For full financial disclosure, detailed cash flow analysis, and complete closing structure, reach out directly. Serious inquiries only.

Svitlana Kwee
eXp Realty
602-772-1237

LCO: Angela Jacques, Coldwell Banker Realty

, , , , , , , , ,

VA Assumable Loan 2.25% | Montana Ranch | Scottsdale11858 E Gold Dust Ave5 Bed | 5 Bath | 4,769 SF~0.59 Acre Lot | Gated...
28/02/2026

VA Assumable Loan 2.25% | Montana Ranch | Scottsdale

11858 E Gold Dust Ave
5 Bed | 5 Bath | 4,769 SF
~0.59 Acre Lot | Gated Community

Located in prestigious Montana Ranch along the Shea Corridor, this nearly half-acre estate backs to a private wash with open desert and mountain views — offering rare privacy in the heart of Scottsdale.

This is true resort-style Arizona living:

• Heated pool & spa
• Putting green
• Outdoor kitchen with bar & BBQ
• Fire pit
• Expansive patios
• Seamless indoor / outdoor flow
• Solar system installed
• Over $500,000 in upgrades completed

Inside features a chef’s kitchen with 60” Wolf range, Sub-Zero refrigeration, built-in Miele coffee system, private office, and a spacious primary suite designed as its own retreat.

Now the financial advantage:

Approximately $1,000,000 remaining on a VA loan at just 2.25%.

Compared to financing that same amount at today’s ~6% rates, the difference is over $600,000 in interest savings over 25 years.

And important —
You do not need to be a veteran to assume this VA loan. Qualified buyers may step into it.

Assume the low-rate portion and structure the remainder through cash or additional financing.

If you want to see how this strategy could work for you, reach out directly.

Svitlana Kwee
eXp Realty
602-772-1237

LCO Referral Realty Group of Scottsdale.

💥 Sometimes, one short message from a client makes every busy day and late evening completely worth it. Moments like thi...
26/02/2026

💥 Sometimes, one short message from a client makes every busy day and late evening completely worth it. Moments like this remind me how lucky I am to work with amazing people who truly appreciate the process and trust me with their goals. Helping my clients build wealth and confidence through real estate is why I do what I do. Grateful for the relationships, the growth, and the journey.

💥 JUST SOLD in Tempe. This was his first property.Not a massive portfolio.Not a dramatic move.Just one intentional step ...
25/02/2026

💥 JUST SOLD in Tempe.

This was his first property.

Not a massive portfolio.
Not a dramatic move.
Just one intentional step forward.

We explored different areas — even considered Arcadia — but Tempe made the most sense. Close to Arizona State University, near Spring Training at Tempe Diablo Stadium, minutes from Scottsdale. Strong demand. Strong long-term fundamentals.

There’s always that quiet hesitation before signing:
“Is this the right time?”
“Am I overpaying?”

Especially after the past few years.

Here’s what made this one powerful:

✔ Negotiated $20,000 below list price
✔ Seller covered 100% of buyer broker representation
✔ Seller completed all requested repairs before closing

Strategy matters.
Negotiation matters.
Having someone who protects your position at every step matters.

For the first time in nearly 3 years, interest rates are easing. Some are still waiting. Others are positioning.

After closing, he said, “The next one will be even better.”

That’s how it begins.

He prefers to stay private, so no photos shared.

If you’ve been sitting on the sidelines, unsure whether to move — let’s review your options and create a plan that protects you.

Svitlana Kwee
eXp Realty
602-772-1237

, , , , , , , , ,

🏠🔥 Major changes happening in real estate — 2/23/261️⃣ President Trump’s State of the Union is expected to highlight hou...
24/02/2026

🏠🔥 Major changes happening in real estate — 2/23/26

1️⃣ President Trump’s State of the Union is expected to highlight housing affordability 🏛️ Possible limits on large investors? New tax incentives for homeowners? The average first-time buyer is now around 40 😳 This could shift buyer competition

2️⃣ Mortgage interest rates are at their lowest level in nearly 4 years 📉 That means more buying power and lower monthly payments for prepared buyers

3️⃣ The Federal Reserve is encouraging major banks to return to mortgage lending 🏦 Banks handled about 60% of home loans in 2008 — today it’s closer to 35%. More lenders could mean more choices and stronger terms 💰

4️⃣ Technology is disrupting large real estate firms 🤖 CBRE, JLL, and Cushman & Wakefield stocks dropped up to 14% in one day. Investors believe tech will reshape brokerages — and residential may be next 👀

Which of these do you think will impact the market the most?
Comment below 👇

21/02/2026

Above the pyramids in Mexico City…
and somehow I’m still scanning the neighborhood. 😄

Relaxing? Yes.
Completely switching off? Not exactly.

When you spend years looking at communities, layouts, growth, and potential… you start seeing it everywhere.

But today — no contracts.
No deadlines.
Just sky, history, and a little wonder.

Back to Arizona soon. 🌵

Svitlana Kwee
eXp Realty
assumeazhome.com

, , , , , , , .

Address


85383

Opening Hours

Monday 08:00 - 20:00
Tuesday 08:00 - 20:00
Wednesday 08:00 - 20:00
Thursday 08:00 - 20:00
Friday 08:00 - 20:00

Telephone

+16027721237

Website

Alerts

Be the first to know and let us send you an email when Svitlana Kwee, Realty Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Svitlana Kwee, Realty Team:

Shortcuts

  • Want your business to be the top-listed Realtor/realty Service?

Share