Rachel Crowl-McGrath


From the suburbs to the city, and everywhere in between, Rachel is as well known for her custom and caring approach as she is for her expertise, creative marketing, and concierge-level service. Rachel offers a personal touch, and prides herself on providing clients with the best possible experience buying, selling, and marketing their home.

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Q3 2021 Greater Philadelphia Area Real Estate Market Report

Q3 2021 Greater Philadelphia Area Real Estate Market Report

10/21/21 Rachel Crowl-McGrath

:: Q3 2021 Greater Philadelphia Area Real Estate Market Report ::   The housing market is still on fire!🔥 People often ask me my opinion of what is going on right now, so I’d like to take a quick moment to give you some insight into the local real estate market.🏡   As we’ve seen over the past year, the market has recovered and houses are flying off the shelf. This has been fueled largely by historically low-interest rates as well as homeowners’ desire to upgrade their space. If you’re thinking of buying or selling, these low rates and positive market conditions make it a great market for buyers and sellers. 🙌🏻   I am so excited to share the Q3 Greater Philadelphia Real Estate Market Report with you, highlighting trends and insights within the incredible neighborhoods of our region. Please visit to view the full report.    If you have any questions about this report, or if you'd like more specific info on your neighborhood, please get in touch with me. I’d love to chat with you! 🏡

Don’t Wait for a Lower Mortgage Rate – It Could Cost You

Don’t Wait for a Lower Mortgage Rate – It Could Cost You

10/12/21 Keeping Current Matters

Today’s housing market is truly one for the record books. Over the past year, we’ve seen the lowest mortgage rates in history. And while those rates seemed to bottom out in January of this year, the golden window of opportunity for buyers isn’t over just yet. If you’re one of the buyers who worry they’ve missed out, rest assured today’s mortgage rates are still worth taking advantage of. Even today, our mortgage rates are below what they’ve been in recent decades. So, while you may not be able to lock in the rate your friend got recently, you’re still in a great position to secure a rate well below what your parents and even grandparents got in years past. The key will be acting sooner rather than later. In late September, mortgage rates ticked above 3% for the first time in months. And according to experts throughout the industry, mortgage rates are projected to continue rising in the months ahead. Here’s where experts say rates are headed: While a projected half percentage point increase may not seem substantial, it does have an impact when you’re buying a home. When rates rise even slightly, it affects how much you’ll pay month-to-month on your home loan. The chart below shows how it works: In this example, if rates rise to 3.55%, you’ll pay an extra $100 each month on your monthly mortgage payment if you purchase a home around this time next year. That extra money can really add up over the life of a 15 or 30-year loan. Clearly, today’s mortgage rates are worth taking advantage of before they climb further. The rates we’re seeing right now give you a unique opportunity to afford more home for your money while keeping your monthly payment down.   Bottom Line Waiting for a lower mortgage rate could cost you. Experts project rates will continue to rise in the months ahead. Let’s connect so you can seize this opportunity before they increase further.       The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

5 Tips for Making Your Best Offer

5 Tips for Making Your Best Offer

09/20/21 Keeping Current Matters

5 Tips for Making Your Best Offer In today’s sellers’ market, standing out as a buyer is critical. Multi-offer scenarios and bidding wars are the norm due to the low supply of houses for sale and high buyer demand. If you’re buying this fall, you’ll want every advantage, especially when you’ve found the home of your dreams. Below are five things to keep in mind when it’s time to make an offer. 1. Know Your Budget Knowing your budget and what you can afford is critical to your success as a homebuyer. The best way to understand your numbers is to work with a lender so you can get pre-approved for a loan. As Freddie Mac puts it: “This pre-approval allows you to look for a home with greater confidence and demonstrates to the seller that you are a serious buyer.” Showing sellers you’re serious can give you a competitive edge. It enables you to act quickly when you’ve found your perfect home. 2. Be Prepared To Move Fast Speed and the pace of sales are contributing factors to today’s competitive housing market. According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), the average home is on the market for just 17 days. As the report notes: “Eighty-nine percent of homes sold in July 2021 were on the market for less than a month.” When homes are selling fast, staying on top of the market and moving quickly are key. After you’ve worked with your agent to find the home that suits your needs, they’ll help you put together and submit your best offer as soon as possible. 3. A Real Estate Professional Can Lead You to Victory No matter what the housing market looks like, rely on a trusted real estate advisor. As Freddie Mac says: “The success of your homebuying journey largely depends on the company you keep. . . . be sure to select experienced, trusted professionals who will help you make informed decisions and avoid any pitfalls.” Agents are experts in the local real estate market. They have insight into what's worked for other buyers in your area and what sellers may be looking for in an offer. It may seem simple, but catering to what a seller may need can help your offer stand out. 4. Craft a Strong, Fair Offer In the past, offering at or near the asking price was enough to make your offer appealing to sellers. In today’s market, that’s often not the case. According to the latest Realtors Confidence Index from NAR, 50% of offers are above the list price. In such a competitive market, emotions and prices can run high. Having an agent to help craft a strong, fair offer is critical in these situations. Your agent can help you understand: The market value of the home Recent sales trends in the area Current buyer demand 5. Understand the Seller’s Needs, but Resist Waiving Certain Contingencies When crafting an offer, you’ll want to keep both your best interest and the interest of the seller in mind. Your trusted real estate advisor will help you consider which levers you could pull, including contract contingencies (conditions you set that the seller must meet for the purchase to be finalized). Of course, there are certain contingencies you don’t want to give up, like the home inspection. Freddie Mac explains: “Resist the temptation to waive the inspection contingency, especially in a hot market or if the home is being sold ‘as-is’, which means the seller won’t pay for repairs. Without an inspection contingency, you could be stuck with a contract on a house you can’t afford to fix.” Bottom Line Today’s competitive housing market makes it more important than ever to make a strong offer on a home. Let’s connect to make sure your offer rises to the top.

  • Stephen B., King of Prussia, PA—Buyer Client

    “Rachel helped me find a new home. With the market in high gear, Rachel was patient and worked closely with me to see many homes and was honest in her take on the home thems...”

  • Greg and Lindsay Miller, Ambler, PA—Seller + Buyer Clients

    “Having Rachel as our realtor was an incredible experience. In today's market, Rachel probably could've gotten away with the bare minimum to sell our house, and move on to t...”

  • Jason Serafin, Ambler, PA—Real Estate Industry Colleague

    “Rachel is one of the nicest and most helpful people in this area. She works hard for her real estate clients and has one of the most remarkable track records in real estate...”

  • Christopher Santini, Austin, TX—Buyer Client

    “Rachel is one of the best real estate professionals I have worked with in Austin, New York, Philadelphia, and Seattle—all places I have bought and sold properties.”

  • Jeff Lyons, Ambler, PA—Referral Client

    “Rachel recently helped my aunt sell her home in Tacoma, WA so she could move to our home in Ambler, PA. We were so thrilled to have Rachel help us find and hire a top-notch...”

  • Anthony Pascale, Jr., Ambler, PA—Buyer Client

    “Rachel was an unbelievable partner for our family as we navigated the complicated process of buying our first home, and we would absolutely recommend her to anyone looking ...”

  • Marie and Howard Dupee, Ambler, PA—Seller Clients

    “Rachel is the best! We were extremely pleased with the professionalism, creativity, and constant attention to detail that Rachel provided for us throughout the entire selli...”

  • Paul Chun and Michelle Lee, Blue Bell, PA—Buyer Clients

    “Working with Rachel was a great experience. She's extremely responsive and detailed oriented, in addition to being genuinely nice and accommodating. We were out-of-state bu...”

  • Judy and CD Southard, Ambler, PA—Seller Clients

    “Rachel is very easy to work with. She pays attention to your needs. She was very helpful with all of the things that need to take place in the negotiations and sale of our ...”

  • Richard Mankiewicz—Real Estate Industry Colleauge

    “Rachel is a person with whom I have had the pleasure to work with for many years. She is professional, creative, organized, able to switch gears without missing a step, and...”

  • Lisa Ludovici—Former Manager + Colleague

    “Rachel is a star! She is a consummate professional who always keeps her customer's interests the focus. The trait that I hold in the highest regard for Rachel is her "can d...”

  • Mary Dooner, Blue Bell, PA—Buyer and Seller Client

    “Rachel helped me sell my home in Fort Washington and buy a new home in a 55+ community in Blue Bell. I had a lot of demands and Rachel was extremely helpful, responsive, an...”

  • Dr. Steven Fisher, Ambler, PA—Buyer Client

    “If you are looking for a real estate agent to buy or sell a home in the Greater Philadelphia Area, look no further! Rachel is amazing! Professional, kind, and with such att...”

  • Dr. Paul and Janet Engstrom, Ambler, PA—Seller Clients

    “We love Rachel. She is positive, helpful, steady, friendly, easy to reach, kind, nice, level-headed, knowledgeable, and really knows the areas and what is available If one ...”

  • George Shoup, Villanova, PA—Seller Client

    “Rachel recently assisted me in getting a Main Line estate listed and closed in under 60 days. The property was distressed and had been tied up in years of litigation. Rache...”

  • Edward Bissen, Philadelphia, PA—Seller Client

    “Rachel took over as our listing agent and on-site sales manager for the Tivoli Condominium in Philadelphia and really turned things around for us. She always has a smile an...”

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There is no reward in this business comparable to successfully guiding people through the sometimes-daunting process of buying and selling a house.

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