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Real Estate NewsletterPublished October 6, 2025
November 2022 Real Estate News
{original post 11/29/2022}Hello! Thanks for tuning in to this month’s newsletter. It’s our goal to bring valuable real estate content and local updates to you, so we hope you enjoy it! In this e-newsletter, we will dig deep into rate buydown options and wealth-building opportunities. We also have a special discount offer for your next home inspection for preventative maintenance! The Schwaegerle Team strives to educate and empower all people on the ins and outs of real estate, so thank you for tuning in and following the team on social media! |
| Client Appreciation Party Recap Thank you so much to everyone who attended our 3rd Annual Client Appreciation Party! It was a joy to celebrate you. We greatly appreciate your trust in our business, and we look forward to continuing to serve you with your real estate-related needs. A special thanks to all the vendors that donated the amazing raffle gifts! Harper Homes, KD Capital Mortgage, First American Home Warranty, Fidelity Home Warranty, Type 9 Succulent Design, and AmandaLee Design, thank you! We truly appreciate every single one of you. We wouldn’t be here without the support we get from our families, friends, clients, and business partners. THANK YOU!     |
| Special Offer: Discounted Home Inspections Curious to know more about what is going on behind the scenes in your home? Consider having a home inspection, a complete overview that diagnoses the health of your home. The report generated after the inspection will identify potential areas of concern, on which you can choose to seek further maintenance. If you have purchased a home recently, you may be more familiar with home inspections. Home inspectors provide valuable information by helping keep your beautiful home in tip-top shape. The Schwaegerle Team works closely with certified home inspector Dylan Linnenkamp at Harper Homes. Dylan has strong attention to detail, quick and thorough communication, and he strives to educate all current and future homeowners about his findings in an inspection, something we really value as a team. Exclusive for our team, Dylan has offered our clients a home inspection discount for current homeowners! Reach out to us today to learn more, or connect with Dylan directly and let him know that The Schwaegerle Team referred you!  |
| 2nd Annual Fall Food Drive It’s back! Last year’s Fall Food Drive was such a success, and we are ready to exceed the number of families served this year! For our 2nd Annual Fall Food Drive, our team is partnering with the New Life Food Pantry in Pismo Beach. If you have any of the below items and would like to donate, please let us know if you’d like us to drop a donation bag off at your home or bring the items to our office by November 18. Thank you so much for your donations!   |
| Wealth Building Opportunities in Today’s Market With the market shifting, buyers are seeing greater negotiating opportunities. They are also looking for creative ways to buy real estate, oftentimes by purchasing an income-producing property rather than a standard single family home. According to a new survey by Mynd, people younger than 40 say they would rather invest in a home that will generate income than buy a home to live in. Mynd founder and CEO, Doug Briend states, “Young people are discovering that buying an investment property gives them the best of both worlds: They can live wherever they want, including cities where they can’t yet afford to buy, and still become property owners, which, as we learned in our survey, is still considered an important part of their American dream.” |
| 3/2/1 Buydown: How to get a 3% interest rate discount Want to know how some people are getting a 3% discount on their interest rate? It’s totally possible with a new loan program called a 3/2/1 Buydown. Essentially, the way this loan program works is the borrower gets a 3% discounted rate for year 1 of the loan, a 2% discounted rate for year 2 of the loan, and a 1% discounted rate for the last year of the loan. Then it settles back into the going rate of the market today. This loan program is saving borrowers thousands of dollars over the first three years of the loan. Rates are expected to drop significantly over the next two years, so many people looking to buy are using this program to help them achieve a lower monthly mortgage payment with the expectation of refinancing out of that loan once rates drop. Sounds too good to be true, so what’s the catch? Essentially, you have to pay additional closing costs on the front end for the program. The way we are seeing this work out is by asking the seller to give a closing cost credit to help buy the rate down. This way, the lender is essentially gathering the interest from the seller so they are able to reduce the interest rate in the short term for the borrower. As you can see in the infographic below, the difference in monthly payment for the same priced home is significantly reduced when the 3/2/1 Buydown program is applied. The discounted rate works much more effectively than a regular interest rate buydown. Now, this loan program doesn’t work for every person in every situation. If you are interested in learning more and want to see if this program could work for you on your next purchase, please reach out to us. We can schedule an individual consultation where we can do an overview of your exact situation and run through some scenarios with you.   |
| Let's Be Social Thanks so much for reading our newsletter this month! We want to hear from you! Please let us know how we can support you on your real estate journey. Whether you just purchased a new home, want to explore home-buying options, are curious about what your property might be worth, or just want to know more about the market, please reach out! @theschwaegerleteam @savannahsiador_ @marianovahomes @closeinslo You can also follow us on YouTube and Facebook for more updates throughout the month. |
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