Are you 1 in 4 million? If you don't own a home yet, rent is probably the biggest monthly expense you have. And if you're not getting credit for paying it - now you can. There’s a change rolling out now that lets renters opt in to counting their on-time rental payments toward their credit history. And that could help as many as 4 million more people qualify for a mortgage. Maybe you’re one of them. Even if you're not ready to buy a home today, there's no downside to taking simple steps to build your credit profile for the future. It's time to take credit for bills you already pay. Ask me how. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

Home sales may be slower than last year. But that doesn't mean buyers have disappeared. At the current pace, almost 4 million homes are expected to sell this year. That's about 11,000 each day, 450 an hour, and nearly 8 every minute. Why? Because even in this market, there are still buyers out there who have a reason to move. People get new jobs, families grow, people retire, downsize, and move closer to the people they love. And those changes create buyers and sellers in every kind of market. In fact, the latest report from NAR shows sales actually ticked up slightly in September, even though they're still below last year's pace. So, don't let a headline convince you no one is buying. You don't need every buyer. You just need the right one – and a strategy that helps your house get their attention. If you're thinking about selling, let's talk about how to make yours one of the homes that sells. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

🏡👀 What You Say During a Home Showing Might Not Stay Private! Imagine walking through a home, discussing how much you LOVE it, what you’re willing to pay, or what you don’t like about it. Now imagine the seller hearing that conversation! 😳 With smart cameras becoming more common, buyers should remember that a showing might not be as private as they think. 💡 My advice? Enjoy the tour, ask questions, and take notes. But save those important conversations about offers, pricing, and negotiating strategies for when you’re back outside with your Realtor®. A little awareness can go a long way when buying a home! 📰 Inspired by an article published by the Pennsylvania Association of Realtors® (PAR). 🔗 https://www.parealtors.org/blog/how-do-smart-cameras-affect-home-visits-from-buyers/ 🔑 Andie Katz – Managing Broker REAL of Pennsylvania – POCONO 📲 Mobile: 570-627-6017 ☎️ Office: 570-664-9936 📍 3101 PA-611, Ste. 2, Tannersville, PA #KatzsKey2PoconoLiving #PoconoRealEstate #HomeBuyingTips #RealEstateAdvice #AndieKatzTeam #PennsylvaniaRealtors

Same time of year. 2 very different stories. And mortgage rates are a big reason why. Last fall, mortgage rates came down and the number of homes for sale barely budged. This fall, rates have climbed above 7%. Some buyers have pulled back, homes are taking longer to sell, and instead of coming off the market, more listings are sticking around. Since August, the number of homes for sale has grown by about 25,000. So, what does that mean for you? Buying? You’ve got more homes to choose from and potentially more room to negotiate on price, repairs, or closing costs. Selling? Buyers have more options, so you’ve got to give them a reason to choose your house. That means getting the price right from day one and making sure your house stands out from the competition. Want to know what this shift looks like where you live? Drop a comment or send me a DM, and let’s look at the local numbers together. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

The Biggest Credit Hurdle for Renters Who Want To Buy The credit landscape is changing, but action is required on your part. You have to take credit for what you do. And the sooner you get started, the better. Ready to see where you stand? A quick conversation with a loan officer costs you nothing and could show you you're closer to owning a home than you think. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated. Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too. Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike. Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon. If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline. Let's look at what today's market means for your move and build a plan around the numbers you can actually work with. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

Homes Are Still Selling – Even in a Slower Market Don't let a headline about slowing home sales convince you no one is buying. Homes are still selling every minute of every day. If you need or want to move, let's talk about what it'll take to make sure yours is one of them. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

🎉 Excited and Honored to Share Some Great News! I am proud to announce that I have been selected to serve on REAL of Pennsylvania’s Market Growth Council! With an overwhelming response from agents across Pennsylvania, I am truly honored to have been chosen as one of 12 Market Growth Leaders representing our state. As a Market Growth Leader, my focus will be on building relationships, supporting fellow agents, creating opportunities for professional growth, and helping strengthen REAL’s presence throughout Pennsylvania. What makes this opportunity even more special is being the only woman selected to serve alongside 11 incredible male colleagues! I’m proud to have a seat at this table and bring my experience and perspective to the group. A special thank you to our Pennsylvania leadership and Designated Brokers for their confidence in me. I look forward to working with this group of leaders and representing the Pocono Mountains! Andie Katz – Managing Broker REAL of Pennsylvania – POCONO 📲 Mobile: 570-627-6017 ☎️ Office: 570-664-9936 📍 3101 PA-611, Ste. 2, Tannersville, PA #REALBrokerage #MarketGrowthLeaders #WomenInRealEstate #Leadership #PoconoRealEstate #KatzsKey2PoconoLiving