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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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.

Is It Time To Move on to a New Home?

Is It Time To Move on to a New Home?

09/20/21 Keeping Current Matters

Is It Time To Move on to a New Home? If you’ve been in your home for longer than five years, you’re not alone. According to recent data from First American, homeowners are staying put much longer than historical averages (see graph below):As the graph shows, before 2008, homeowners sold their houses after an average of just five years. Today, that number has more than doubled to over 10 years. The housing industry refers to this as your tenure. To really explore tenure, it’s important to understand what drives people to make a move. An article from The Balance explores some of the primary reasons individuals choose to sell their houses. It says: “People who move for home-related reasons might need a larger home or a house that better fits their needs, . . . Financial reasons for moving include wanting a nicer home, moving to a newer home to avoid making repairs on the old one, or cashing in on existing equity.” If you’ve been in your home for longer than the norm, chances are you’re putting off addressing one, if not several, of the reasons other individuals choose to move. If this sounds like you, here are a few things to consider: If your needs have changed, it may be time to re-evaluate your home. As the past year has shown, our needs can change rapidly. That means the longer you’ve been in your home, the more likely it is your needs have evolved. The Balance notes several personal factors that could lead to your home no longer meeting your needs, including relationship and job changes. For example, many workers recently found out they’ll be working remotely indefinitely. If that’s the case for you, you may need more space for a dedicated home office. Other homeowners choose to sell because the number of people living under their roof changes. Now more than ever, we’re spending more and more time at home. As you do, consider if your home really delivers on what you need moving forward. It’s often financially beneficial to sell your house and move. One of the biggest benefits of homeownership is the equity your home builds over time. If you’ve been in your house for several years, you may not realize how much equity you have. According to the latest Homeowner Equity Report from CoreLogic, homeowners gained an average of $33,400 in equity over the past year. That equity, plus today’s low mortgage rates, can fuel a major upgrade when you sell your home and purchase a new one. Or, if you’re looking to downsize, your equity can help provide a larger down payment and lower your monthly payments over the life of your next loan. No matter what, there are significant financial benefits to selling in today’s market. Bottom Line If you’ve been in your home for 5-10 years or more, now might be the time to explore your options. Today’s low rates and your built-up equity could provide you with the opportunity to address your evolving needs. If you feel it’s time to sell, let’s connect.

Are We in a Housing Bubble? Experts Say No

Are We in a Housing Bubble? Experts Say No

07/1/21 Keeping Current Matters

The question of whether the real estate market is a bubble ready to pop seems to be dominating a lot of conversations – and everyone has an opinion. Yet, when it comes down to it, the opinions that carry the most weight are the ones based on experience and expertise. Here are four expert opinions from professionals and organizations that have devoted their careers to giving great advice to the housing industry. The Joint Center for Housing Studies in their The State of the Nation’s Housing 2021 report: “… conditions today are quite different than in the early 2000s, particularly in terms of credit availability. The current climb in house prices instead reflects strong demand amid tight supply, helped along by record-low interest rates.” Nathaniel Karp, Chief U.S. Economist at BBVA: “The housing market is in line with fundamentals as interest rates are attractive and incomes are high due to fiscal stimulus, making debt servicing relatively affordable and allowing buyers to qualify for larger mortgages. Underwriting standards are still strong, so there is little risk of a bubble developing.” Bill McBride of Calculated Risk: “It’s not clear at all to me that things are going to slow down significantly in the near future. In 2005, I had a strong sense that the hot market would turn and that, when it turned, things would get very ugly. Today, I don’t have that sense at all, because all of the fundamentals are there. Demand will be high for a while, because Millennials need houses. Prices will keep rising for a while, because inventory is so low.” Mark Fleming, Chief Economist at First American: “Looking back at the bubble years, house prices exceeded house-buying power in 2006 nationally, but today house-buying power is nearly twice as high as the median sale price nationally… Many find it hard to believe, but housing is actually undervalued in most markets and the gap between house-buying power and sale prices indicates there’s room for further house price growth in the months to come.” Bottom Line All four strongly believe that we’re not in a bubble and won’t see crashing home values as we did in 2008. And they’re not alone – Goldman Sachs, JP Morgan, Morgan Stanley, and Merrill Lynch share the same opinion.

  • Jason S., Ambler, PA - 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 Client

    “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 - Industry Colleague

    “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 - Colleague + Former Manager

    “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...”

  • M. 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 B. - 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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