https://linktr.ee/karliek_realtor

Karlie Kubasiewicz - Licensed Real Estate Salesperson, Rochester, NY (2026)

11/01/2023

And we are CLOSED 🎉🏡

A huge congratulations to my seller for closing on his home! With a little bit of work and staging, we were able to get over asking for his home in W. Irondequoit! With a smooth transaction, he was able to move back to his hometown to start a new job.

If you or someone you know is relocating for work - give me a shout! Even if it’s only 20 minutes or hours away, myself or my network of agents can help you have a smooth closing and get the keys to your new home ☺️🔑

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Karlie Kubasiewicz
[email protected]
585.831.2533

08/29/2023

NEW TO THE MARKET! 🎉🏡

Welcome to 81 Woolacott Road! This MOVE-IN READY 3 bedroom // 1.5 bath home is nestled in a quiet neighborhood with West Irondequoit schools!! This home features plenty of charm with gorgeous refinished hardwood floors throughout the living spaces. Step inside the foyer into the spacious living space with built in storage & formal dining room. The eat-in kitchen is just around the corner with plenty of cabinet space, updated appliances & closet/pantry. Right off of the kitchen, find the half bath and an enclosed breezeway that will lead you to an attached 2 car garage!! Walk upstairs to find 3 bedrooms and a full bath. Even more space is included in the basement that is partially finished // laundry area located in basement. All appliances included! Roof replaced in 2016 and owner has installed new upstairs windows & hot water tank. Conveniently located minutes away from shopping, restaurants, and expressways! Don’t miss out on making this house your home.

Offered at $169,900 ✨

Delayed Negotiations until Wednesday, September 6th at 3pm. 🔑

Click the link below for more information and photos! 📸

https://www.homesnap.com/NY/Rochester/81-Woolacott-Road?a=770891370

OPEN HOUSE: 🏡🍪
Saturday, September 2nd 12-2PM!
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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

08/29/2023

Going live tomorrow with West Irondequoit schools!!!

Who do you know that’s looking for a home in the area? ☺️🏡🔑

08/22/2023

As a real estate agent, I’ve seen so many people struggle to save for a house, not because they aren't invested, but because they just don’t know how.

Here's a step-by-step guide to kickstart your journey to homeownership. Don't forget to save this post for future reference!

01) Understand Your Financial Standpoint
Use budgeting apps like Mint or 'You Need a Budget' to track your income and expenses. Determine what you can afford to set aside for your housing expenses each month. A helpful guideline is the 28/36 rule - no more than 28% of your monthly income should go to housing costs, and total debt payments shouldn't exceed 36% of your income.

02) Save for a Down Payment
Open a high-yield savings account and set up automatic monthly transfers to start building your 'house fund.' Consistent, automatic contributions are the secret to growing this fund. As of July 2023, some high-yield savings accounts offer nearly 5% interest rates, but remember rates can vary.

03) Practice Good Credit Hygiene
Maintain a credit utilization ratio of less than 30% of your credit limit, pay your bills on time, and work towards reducing or consolidating high-interest debt. These practices can improve your credit score, which can lead to better mortgage rates.

04) Research Mortgage Programs
Explore loan programs that offer lower or zero down payments. Various federal, state, and local programs can help first-time homebuyers get favorable mortgage terms.
Tip: I can help get you connected with a trusted mortgage lender. Send me a message!

Ready to take the next step? Comment 'READY' and I'll message you the link to my comprehensive buyer guide for in-depth insights and strategies to make your home buying journey smoother.

Remember, the path to homeownership is a marathon, not a sprint - save this post, and take it one step at a time.
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Karlie Kubasiewicz
43 North Real Estate
[email protected]
585.831.2533

08/16/2023

NEW RENTAL ALERT 🚨

This charming 3 bedroom 1 bath Cape Cod home is located right in the heart of North Winton Village! Featuring an updated spacious kitchen with a brand new cabinets, countertops and appliances. A first floor bedroom and bath with 3 additional bedrooms located upstairs. You won't want to miss an opportunity to see this one!

** Please excuse our dust, photos were taken during the end of renovations! 🔨🧰

This home is available for rent NOW and won't be available long!!! Reach out today if you or someone you know might be interested!
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Karlie Kubasiewicz
43 North Real Estate
[email protected]
585.831.2533

08/16/2023

Ever thought about turning your spare bedroom, basement, or even your entire property into a cash machine? Real estate can be a potent source of passive income when managed right. Here's how:

💡 Remember, your home is more than just your sanctuary, it can be your asset too. And the beautiful part? You're the one in control. You decide who lives there, for how long, and at what cost.
💡 Understand your market. What kind of tenants are you aiming for? Long-term or short-term, professionals, students, or vacationers? Each choice will have different implications, so research is key.
💡 Get to know your local regulations. Can you rent out your home on Airbnb? Are there specific rules about rentals in your area? Ignorance isn't bliss in the world of property rentals. It's best to know the lay of the land.
💡 Estimate your potential rental income and costs. Consider factors like rental rates in your area, potential vacancy periods, maintenance costs, and insurance. This will give you a realistic idea of your potential earnings and expenses.
💡 Don't underestimate the importance of a good property manager. If you don't have the time or the inclination to deal with tenants, maintenance, and all the legalities, a property manager can be worth their weight in gold.

There you go! Five points to get you started on the journey to transforming your home into an income-generating asset. It's not for everyone, but if the shoe fits... well, you just might find yourself with an extra stream of income.

Feel like you might want to explore this path? I'm here to guide you through. Let's sit down, analyze your property, and map out the best plan to meet your goals. You've got the resources, and I've got the expertise. Let's put them together and make magic happen. Send me a message, let's start today.
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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

08/01/2023

It's that time again! Drop an emoji in the comments that represents your goals for August 👇

Then, swipe to see 'The Monthly Edit' - a roundup of recent updates and a forecast of what to expect in the real estate market this month.

As always, if there's anything I can do to help you get closer to your real estate goals, send me a message! I'm here to help.

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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

07/10/2023

Is that you leaving your stress at the door??

I thought so!

Welcome the world of stress-free home selling with me as your tour guide!

Listing your home with me means an exceptional experience from start to finish. Here's a glimpse of what you can expect:

Personalized Strategy: Together, we'll craft a tailored marketing plan that highlights your home's unique features, maximizing its visibility to attract potential buyers.

Professional Staging and Photography: I'll collaborate with top-notch staging professionals and skilled photographers to present your home in its best light, capturing its true essence.

Extensive Market Knowledge: With my in-depth understanding of the local real estate market, I'll provide you with accurate pricing guidance to ensure your home is priced competitively, attracting qualified buyers.

Effective Marketing Campaigns: Your home will receive maximum exposure through strategic online and offline marketing channels, reaching a wide audience and drumming up qualified buyers.

Skillful Negotiation: I'll work tirelessly to secure the best possible terms and price for your home, protecting your interests like they’re my own throughout the process.

Seamless Transaction Management: From handling paperwork to coordinating inspections and appraisals, I'll manage all the details, ensuring a smooth and stress-free transaction.

Trusted Advisor: I'll be by your side every step of the way, providing regular updates, answering your questions, and offering expert guidance, so you feel confident and informed throughout the entire journey.

Listing your home with me means peace of mind, exceptional service, and a dedicated advocate working tirelessly to achieve your goals. Ready to take the next step? Let's connect and discuss your goals!
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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

07/06/2023

Ever wonder what makes lenders “say yes to the loan?”

THIS ---> Your credit score.

Like it or not, your interest rate and loan terms largely depend on the strength of your credit score. Wanna hear more? Here you go.

Credit Score Ranges
Scores range from 300 to 850. For a conventional home loan, a credit score of 620 or higher is a strong starting point. FHA and VA loans typically require a minimum of 580, while a USDA loan typically requires 640 or above.

The Power of a High Score
Scores above 700 are seen as a sign of financial responsibility and can secure the best rates and terms for your loan. Aim to elevate your score to unlock these benefits.

Understanding the Score
Your credit score is influenced by factors such as payment history, credit utilization, length of credit history, credit mix, and inquiries. By managing these aspects wisely, you can positively impact your score.

Your Credit Score...and Then Some
Lenders also consider other factors like steady income, employment history, and a modest debt-to-income ratio. Demonstrating financial stability is key to gaining their confidence and you feel satisfied with your shiny new loan.

Find this post helpful? Give it a like and share it with a friend who might benefit! And remember, I'm here to help. If you have any questions or want to chat more about loan qualifications, feel free to DM me.

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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

06/28/2023

Feeling like you're on a roller coaster ride with the recent fluctuations in interest rates? You're not alone!

Interest rates can be a major factor in deciding when to buy or sell real estate, and keeping up with their constant changes can feel like a full-time job.

But fear not, because I'm here to share some tips to help you stay on top of these rates without breaking a sweat:

1) Stay informed: Knowledge is power. Regularly check reputable financial news sources or sign up for updates from your bank or mortgage provider.

2) Understand what affects rates: Economic factors like inflation, unemployment rates, and the housing market can all impact interest rates. The more you understand these elements, the better you can predict future movements.

3) Consult with professionals: Financial advisors and real estate agents (like yours truly) keep their fingers on the pulse of interest rates. Don't hesitate to reach out for their expert advice.

4) Consider fixed-rate mortgages: If the uncertainty is too much, a fixed-rate mortgage could be a good option. It'll give you a set rate for a specific period, removing the worry of fluctuations.

5) Be patient: Interest rates go up and down. If they're high, it might be worth waiting if you're not in a rush to buy or sell. But remember, don't try to time the market perfectly - it's about making the best decision with the information available to you.

You don't need to tackle this ride alone. If you have any questions or if you're thinking about buying or selling, feel free to reach out. You've got a friendly neighborhood real estate agent who's more than happy to help you navigate these turbulent waters.🏡
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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

06/21/2023

Read this if you're thinking about buying or selling a home this summer. ☀️

The summer housing market is heating up, so whether you’re buying or selling, It's time to prepare now for what lies ahead.

Here's a glimpse of what to expect if you're diving in:

- A more active selling season than spring, with sales likely ticking up by 5% compared to the first 3 months of the year.
- While sales may increase, inventory will likely stay limited as current homeowners sit tight and rates remain high.
- That's not all… Some analysts predict that rates will level off in the 6% range as inflation eases, slightly boosting affordability for buyers.

Here's what that means for buyers:

- If you find a home you love, act quickly and make the strongest offer you can. Consider a large down payment or purchase with cash if possible.
- One more tip: While you can’t control prices, you can improve your chances of getting the best rate by improving your credit score now. Three quick ways? Pay your credit card balances down, ask for higher credit limits, and review your credit report for errors.

And what it means for sellers:

- While prices have cooled from the previous year’s highs, you will likely receive multiple offers IF you price your home competitively.
- That said, you’ll definitely want to work with an experienced agent to manage offers and maximize your sale price.

Find this post helpful? Follow for more updates and hit the share button to help spread the word about the latest trends this summer.⛱️

Sources: 9 Ways to Build and Improve Your Credit Fast - NerdWallet
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Karlie Kubasiewicz
43 North Real Estate
585.831.2533

06/19/2023

Hey there, Rochester friend! Want an easy way to stay up on the local housing market, featured listings, and all the happenings around town?

If you're thinking, "Umm….YEAH!" then subscribe to my monthly newsletter, and never miss the latest news in and around Rochester. Come join us - https://mailchi.mp/7fc91cbf5966/keyswithkarlie-junemarketupdate

Karlie Kubasiewicz - Licensed Real Estate Salesperson

11/01/2023

08/29/2023

08/29/2023

08/22/2023

08/16/2023

08/16/2023

08/01/2023

07/10/2023

07/06/2023

06/28/2023

06/21/2023

06/19/2023

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