Kathy Lowe Realtor

Kathy Lowe Realtor Who you work with matters.There is no substitute for great service in any industry. Kathy is dedicated to helping you achieve your next real estate goals.

10/13/2024

SOLD is my second favorite S-word… but making your moving day a reality is definitely my #1!

Helping sellers make that ‘SOLD’ sign happen is what I live for 😉





Mortgage rates are dropping! 📉 So, how would you take advantage of this opportunity?A) Buy my first home – Time to final...
10/12/2024

Mortgage rates are dropping! 📉 So, how would you take advantage of this opportunity?

A) Buy my first home – Time to finally become a homeowner!

B) Upgrade to a larger home – Need more space for the family or lifestyle?

C) Refinance my current mortgage – Lower rates, lower payments!

D) Invest in a rental property – Thinking of flipping houses or turning a single-family home into a rental?

E) Wait to see if rates drop further – Holding out for an even better deal?

Drop your letter in the comments and let’s see what your next move would be! 👇





10/11/2024

Ever heard of house hacking? It’s a game-changer for savvy homeowners! Here’s how it can help you:

✔️ Live for Less: By renting out part of your home, you can cover a significant portion, if not all, of your mortgage payments. This means you live in your home for much less than the usual cost

✔️ Build Wealth: The rental income you earn can be saved or reinvested into other ventures, helping you build wealth over time. It’s a smart way to grow your financial portfolio.

✔️ Tax Benefits: You can enjoy potential tax deductions for the portion of your home that you rent out. This can include deductions on mortgage interest, property taxes, and home maintenance costs.

✔️ Flexibility: House hacking is versatile – you can rent out a spare room, a basement, or even a separate unit like a granny flat. This flexibility allows you to choose an option that fits your lifestyle and comfort level.

❤️ Like this post and share with anyone you know who might benefit from this info.

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You’re just three simple steps away from saving $100K on your mortgage 👇1️⃣ Don’t Settle for Just One Lender!Shopping ar...
10/10/2024

You’re just three simple steps away from saving $100K on your mortgage 👇

1️⃣ Don’t Settle for Just One Lender!
Shopping around can save you thousands! By comparing rates and fees from multiple lenders, you could save an average of $60,000 over the life of your loan.*

-> Comparing a 6.49% vs. 6.24% rate on a $380K loan saves ~$52/month, totaling $18,720. When you add lower fees, savings can reach $60,000.

2️⃣ Make Biweekly Payments Instead of Monthly!
This easy switch can help you make an extra payment each year without even noticing—leading to about $100,000 in savings over a 30-year mortgage.**

–> Ex: Paying $1,190 biweekly instead of $2,380 monthly on a 6.49% loan saves ~$100,000 in interest over 30 years.

(Check with your lender to see if this option is available.)

3️⃣ Explore Different Loan Options!
Consider adjustable-rate mortgages (ARMs) which often start with lower rates. Currently, the average rate for a 30-year fixed mortgage is 6.49%, while 5/1 ARMs are around 6.15%. That difference could potentially save you $40,000 or more!**

–> Starting with a 6.15% ARM vs. 6.49% fixed rate saves ~$84/month, totaling $5,040 over 5 years, with potential lifetime savings of $40,000+.

*Calculations based on a $400,000 home with a 5% down payment and typical rates as of August 2024.

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Feeling like every home search ends in frustration? Trust me, we’ve all been there. Here’s what I’d do to turn things ar...
10/09/2024

Feeling like every home search ends in frustration? Trust me, we’ve all been there. Here’s what I’d do to turn things around:

✔️ Broaden your search criteria! Don’t be afraid to explore nearby neighborhoods or homes just above your budget—you might find sellers willing to negotiate.

✔️ Work with a savvy real estate agent ( Hello 👋 ). I have insider info on listings before they even hit the market.

✔️ Adjust your must-haves. Maybe compromising on yard size or cosmetic features will lead you to the perfect home that checks most of your boxes.

✔️ Use social media and networking. Share your home search with your network—sometimes, word of mouth leads to off-market gems.

✔️ Look for off-market deals. Connect with agents or even send direct mail to homeowners in your dream area.

✔️ Be ready to act quickly! Get pre-approved so you can move fast when the right house comes along.

✔️ Expand to alternative property types like condos or townhomes. You’d be surprised how much value you can find in these options!

✔️ Set up custom alerts with real estate apps so you’re always ahead of the game.

Remember…Things are shifting, and more homes are hitting the market, giving you even more options to explore. Plus, with rates dropping, the market is starting to balance out! Your perfect home is out there, and now might just be the perfect time to find it.

Ready to take the leap into homeownership? Comment “READY” and let’s start this exciting journey together!

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Thinking about selling your home [ in your Town ] ? Let’s chat about how recent industry updates could change your game ...
10/08/2024

Thinking about selling your home [ in your Town ] ? Let’s chat about how recent industry updates could change your game plan! 🏡

Here’s what’s new and what it means for you:

➡️ More Flexibility with Commissions: You now have more say in how much you offer to the buyer’s agent, which can play a role in how your listing stands out.

➡️ Transparency is Everything: Knowing how these new commission structures work can help you stay competitive and draw in serious buyers.

➡️ Stronger Negotiation Position: These changes give you more options when it comes to negotiating, which can make a big difference during the selling process.

Curious about how these shifts could impact your home sale? Let’s connect and discuss a specific home-selling strategy just for you ( When you’re ready to sell) If you are… Comment the word “SELL” and I’ll take it from here 😉

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10/07/2024

Did you know you can use other people’s money to buy properties? 🤯 Yep, it’s possible, and here’s how:

1️⃣ Use business credit, private money, homebuyer grants, CDFI lenders, seller financing, hard money lenders, or even business credit cards to fund your real estate purchases! 💸

2️⃣ Look for affordable properties and land at land banks, government auctions, tax sales, and sheriff sales. These are hidden gems! 🏠✨

3️⃣ Avoid costly mistakes by teaming up with an experienced Real Estate Agent (Hello 👋) who can guide you every step of the way!

If you’re interested to learn more, comment “GUIDE” and I’ll send you an invite to a FREE Zoom consultation where I’ll discuss these options in detail with you, plus I’ll teach you how to navigate the current market challenges and discover how to avoid costly mistakes!

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10/06/2024

Why settle for paying someone else’s mortgage when you can pay your own? 😂🏡 Time to turn those rent checks into home equity and upgrade your living situation!

Who’s ready to say ‘Bye Bye’ to rent?





Can You Qualify for a mortgage with Student Loans?✔️ Yes! According to the National Association of Realtors, 38% of firs...
10/05/2024

Can You Qualify for a mortgage with Student Loans?

✔️ Yes! According to the National Association of Realtors, 38% of first-time buyers had student loan debt.
✔️ Steady income helps. Many people in similar situations have qualified for home loans.
✔️ Multiple loan programs are available. Even with student debt, you have options.

Key Takeaway: Homeownership is achievable even with student loans.

Next Steps: Talk to your local mortgage specialist who will guide you through your options or comment REFERRAL and I’ll send you a few solid ones 😉

Bottom Line: Many people with student loan debt can still qualify for a mortgage. Let’s explore your options.

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10/04/2024

Are you a first-time homebuyer looking to get approved for a higher loan amount you can actually afford?

Here’s a tip 👇

It’s all about reducing debt and/or boosting your income (plus having a good credit score, of course).

Cutting your monthly debt by $350 can boost your buying power by $50,000 and increase your loan approval amount.

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🍂 October’s here, bringing crisp air, cozy vibes, and the perfect time to make your move in real estate! Whether you’re ...
10/03/2024

🍂 October’s here, bringing crisp air, cozy vibes, and the perfect time to make your move in real estate! Whether you’re buying or selling, the market’s shifting like the autumn leaves, and you don’t want to miss out!

Here’s what’s in store for you this month: 👇

✅ For Home Buyers:

-> Lower Mortgage Rates: With just 15 weeks left until the end of the year, we’re expecting some relief as mortgage rates start to gradually decrease. That means potentially lower monthly payments!

-> Price Adjustments: Home prices are stabilizing, and in some areas, you might even see modest declines. But remember, this varies by region!

-> More Homes on the Market: With inventory growing, you’ll have more choices, but the competition for lower-priced homes will still be strong.

✅ For Home Sellers:

-> Still a Seller’s Market: Demand remains strong, so it’s still possible to get great offers.
-> New Build Competition: Watch out for competition from newly constructed homes, especially in areas where builders are busy!

💬 –> Let’s cozy up with a conversation! Got questions about what this could mean for you? Comment “OCTOBER” below for a quick Zoom consultation where you’ll learn how to avoid common mistakes and navigate the homebuying or selling process like a pro! 🍂💬

Like ❤️ this post and Share it with someone who could use a little optimism in their real estate journey.

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🎃 Before you dive into pumpkin spice everything and cozy sweater weather, give your home a little fall TLC! 🏠💖 Dedicate ...
09/29/2024

🎃 Before you dive into pumpkin spice everything and cozy sweater weather, give your home a little fall TLC! 🏠💖 Dedicate a few September weekends to these essential home maintenance tasks:

✅ Check plumbing for leaks – don’t let those drips drive you crazy!

✅ Service lawn equipment – your mower deserves a break too

✅ Inspect the fireplace and chimney – let’s avoid unexpected bonfires

✅ Check insulation – keep that winter chill out

✅ Clean and store outdoor furniture – summer memories safely packed away

✅ Inspect the roof – because it’s always better to be under a solid roof

✅ Check and clean gutters – clear the way for the fall leaves

let’s tackle these tasks with a grin and keep our homes in tip-top shape.





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30342 Esperanza
Rancho Santa Margarita, CA
92688

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