Wondering where mortgage rates are headed? The latest forecasts from Fannie Mae, MBA, and Wells Fargo show rates settling in somewhere between about 6.9% and 7.5% through the end of 2027. That means no big drop is expected, and there’s no big spike to worry about either. Why? These forecasts are based on where the economy, the job market, and world events stand today. Until those things change, rates probably won’t either. While it may not be the direction you were hoping for, that kind of steadiness does make it a lot easier to plan your next move. Let’s run the numbers on what buying or selling looks like at today’s rates, so you can decide based on your goals, not the headlines. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

🏡🔑 UNDER CONTRACT! Another exciting chapter begins! 🎉 📍 32 Oak Leaf Ln. E., Stroudsburg, PA There’s something extra special about helping a client sell her home AND find the perfect place to call home next! ❤️ We had the pleasure of selling our buyer’s previous home, and now she’s under contract on this beautiful townhouse! ✨ Less maintenance, more time to enjoy life! Townhouse living can be a wonderful option for anyone looking to downsize, simplify their lifestyle, or spend less time maintaining a property and more time doing what they love! Whether you’re downsizing, relocating, or simply ready for a change, we can help you sell your current home AND find the next one! Congratulations to our buyer! We’re so excited to be part of this next chapter! 🏡❤️ 📲 Thinking about making a move? Let’s talk! Andie Katz – Managing Broker Real of Pennsylvania - Pocono 📲 Mobile: (570) 627-6017 ☎️ Office: (570) 664-9936 📍 3101 PA-611, Ste. 2, Tannersville, PA #UnderContract #StroudsburgPA #TownhouseLiving #Downsizing #LowMaintenanceLiving #PoconoRealEstate #AndieKatzTeam #KatzsKey2PoconoLiving #RealOfPennsylvania

🏡🔑 UNDER CONTRACT! 🎉 📍 6981 Cemetery Rd., Bangor, PA Congratulations to our buyers! 🎉 Thank you for trusting MJ Jones and the Andie Katz Team to guide you on your homeownership journey. We’re excited to be one step closer to handing you the keys! 🔑❤️ 👏 Great job, MJ, for your dedication and hard work! 🏡 Looking to buy or sell? Let MJ help you make your next move! MJ Jones – REALTOR® 📲 (917) 853-0059 Andie Katz – Managing Broker Real of Pennsylvania - Pocono 📲 Mobile: (570) 627-6017 ☎️ Office: (570) 664-9936 📍 3101 PA-611, Ste. 2, Tannersville, PA #UnderContract #AndieKatzTeam #MJJones #KatzsKey2PoconoLiving #BangorPA #RealOfPennsylvania

Toward the end of the year, the number of homes for sale usually starts to level off or dip as we enter the slower season in the market. But so far this year, it’s still going up. And that break in the usual seasonal trend could be good for some buyers. Part of the reason is that fewer people are shopping right now with mortgage rates where they are. But that gives anyone who can make the numbers work an opportunity. If you’re able to buy at today’s rates, you have more options than you’d normally have. And that means more chances to find a home in budget – and less competition from other buyers. You’ll likely even see sellers more willing to strike a deal. What you’ll find depends on where you’re looking. Send a DM to see what’s on the market near you. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

What the Silver Tsunami Means if You’re Planning To Sell The term “silver tsunami” makes it sound like a wave of houses is about to hit the market all at once. The research says otherwise. According to Realtor.com, about 13.9 million homes owned by older Americans are expected to change hands by 2036. That's a big number. But it's spread across a decade, at roughly 1.3 to 1.5 million homes a year. The pace is important. After the 2008 housing crash, builders spent years not building enough homes to keep up with demand, and the country still hasn't caught up. As longtime homeowners sell over time, their houses will help ease a shortage that's already there. For buyers, that can mean more options. For sellers, it means there's no reason to put your plans on hold because of a trend that’s expected to play out over the next 10 years. What matters more is what's happening in your area right now: how many homes are for sale nearby, what similar houses are selling for, and what buyers want. Planning a move in the next year or so? Let's talk about what the local numbers mean for your house. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

Pop quiz. What credit score do you need to buy a home? If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit. But you probably don’t need as high a credit score as you think. Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan. So the real answer? Both A) 620 and D) “it depends” are right. And with all the changes to credit models lately, even more people will be able to buy than before. Don’t let myths keep you locked into a lease. Let’s find out where you actually stand. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

Selling Your Home? What You Should Know About Price Cuts vs. Rate Buydowns. What if you could make your house more attractive to buyers without lowering your asking price? With 43% of sellers cutting prices right now, according to HousingWire, it's a question worth asking – especially because there's another way to give buyers what they really want: a lower monthly payment. It's called a mortgage rate buydown. And the difference can be pretty remarkable. Here's an example. Let's say you're willing to offer a buyer $10,000 to help get your house sold. A $10,000 price reduction could save that buyer about $70 a month. But putting that same $10,000 toward a temporary mortgage rate buydown could save them roughly $500 a month in the first year. Same amount from you. A much bigger impact on their immediate budget. Now, those savings won't last forever with a temporary buydown. But for the right buyer, that upfront relief could be exactly what makes your house stand out. Thinking about selling? Send me a message. Let's explore which incentives could attract buyers while protecting your bottom line. 💁🏻‍♀️ Andie Katz, Assoc. Broker | REALTOR® 📲 570-627-6017 📧 andiekatzrealtor@gmail.com 🌍 www.katziskey2poconoliving.com 🏛️ REAL of Pennsylvania ☎️ 855-450-0442

🏡🔑 JUST CLOSED! A HOME RUN FOR HARISH! ⚾🎉 A HUGE congratulations to Harish Kundnani on another successful closing! 👏🎉 Harish represented both the buyer and seller in this transaction, and he knocked it out of the park! ⚾🏡 From start to finish, Harish delivered exceptional service, professionalism, and dedication to getting the job done! Congratulations to his buyer on their new home, and to the seller on a successful sale! 🏡❤️ 👏 Way to go, Harish! We’re proud to have you as part of our team! 🔑 Looking for a dedicated real estate agent who knows how to get the job DONE? 📲 Contact Harish Kundnani ☎️ 516-364-9500 Andie Katz – Managing Broker Real of Pennsylvania - Pocono 📲 Mobile: (570) 627-6017 ☎️ Office: (570) 664-9936 📍 3101 PA-611, Ste. 2, Tannersville, PA #JustClosed #HarishKundnani #AndieKatzTeam #RealOfPennsylvania #PoconoRealEstate #KatzsKey2PoconoLiving #AnotherHappyHomeowner