Investing in Real Estate • August 28, 2025

August 2025 Real Estate Market Update: What Buyers & Sellers Need to Know about Greater Cincinnati Real Estate

by Kristine Green

As summer winds down, the real estate market in Greater Cincinnati is shifting gears. Interest rates have dipped to their lowest level in nearly a year, new listings are giving buyers more options, and homes are still selling quickly in our most in-demand suburbs like Mason, West Chester, Liberty Township, and Indian Hill. Whether you’re planning to buy your first home, move up to your dream property, or sell before the holidays, understanding where the market stands in August 2025 will help you make smart moves.

Mortgage Rates: A Welcome Dip

30-year fixed mortgage: averaging 6.5%–6.56%, the lowest in 10 months.
Forecasts suggest rates could ease closer to 6.0% by year-end, creating even more affordability for buyers.

👉 What this means in real life: Buyers locking in rates now are getting the best financing opportunities we’ve seen since last fall. Even a small drop in rates later this year could spark heavier competition.

Greater Cincinnati Market Snapshot

Median Days on Market (DOM):
- Hamilton County: 8–9 days (fast pace, though slightly slower than last year).
- City of Cincinnati (Redfin): 43 days, showing longer timelines outside the hottest suburbs.
Median Sale Prices:
- Hamilton County: about $320,000, up 6.7% year-over-year.
- Cincinnati citywide: $294,243, up 7% year-over-year.
Inventory: Listings are rising modestly, giving buyers more choice without overwhelming sellers.

👉 What this means in real life: If you’re a buyer, you’ll notice a little more breathing room compared to spring. But in hot suburbs like Mason or Indian Hill, desirable homes are still flying off the market in just over a week.

Seasonal Market Notes

August is a transition month: families are wrapping up summer vacations, kids are back to school, and many buyers are making a push to get settled before the holidays. Sellers who list now can benefit from serious, motivated buyers who want to move before year-end.

Opportunities for Buyers

Move quickly, but strategically: Homes in Mason, West Chester, and Indian Hill are often under contract in under 10 days.
Secure financing early: Pre-approval gives you confidence and helps you compete in a mid-6% rate environment.
Watch fall trends: If rates dip closer to 6.0%, expect new buyers to re-enter the market—meaning more competition.

📋 Buyer Tip Box:

✅ Get pre-approved before you shop.
✅ Set up instant listing alerts.
✅ Tour homes as soon as they hit the market.

Opportunities for Sellers

Still a seller’s market: Well-prepared homes are drawing attention quickly.
Pricing precision is key: Overpricing risks sitting on the market—buyers are cautious and compare homes closely.
Luxury steady: High-end buyers are selective, but demand remains strong for well-presented properties in Indian Hill and Liberty Township.

📋 Seller Tip Box:

✅ Declutter and stage your home for maximum impact.
✅ Refresh curb appeal with landscaping and exterior touch-ups.
✅ Consider a pre-listing home inspection to avoid surprises.

Neighborhood Highlights

Mason & West Chester: Family-friendly communities with low DOM and competitive offers.
Indian Hill: Luxury properties continue to attract buyers seeking exclusivity and privacy.
Liberty Township: Popular with move-up buyers, with strong activity and rising demand.

Looking Ahead

If mortgage rates continue their gradual decline this fall, we may see multiple-offer scenarios return in full force. Planning ahead now—whether you’re buying or selling—puts you in the strongest position to act confidently when the market shifts.

Key Takeaway

The Greater Cincinnati market remains one of momentum and opportunity. Sellers can still benefit from strong demand, while buyers now have more options and slightly less competition than earlier this year. As rates hover in the mid-6% range, the window is open for both sides to make confident, well-timed decisions.

📞 Thinking about making a move this fall?
I’d be happy to provide a personalized strategy—whether you’re preparing to sell, upsizing, downsizing, or buying your first home.

Kristine Green
Realtor®, Global Luxury Specialist
Coldwell Banker Realty
Office: 513-445-8195

Popular Smart Home Automation Systems: Features, Costs, and Integrations

by Kristine Green

Smart home automation is no longer just a futuristic concept—it’s here to stay. Homeowners today want security, convenience, and energy efficiency at their fingertips. Buyers are also drawn to homes that already include smart technology, making these features a selling point in today’s market.

This guide explores popular smart home systems—Vivint, SimpliSafe, ADT, Ring, Cove, and Control4—along with their features, costs, integrations, and ratings.

Why Smart Home Systems Are Important

Adding smart technology can benefit both current homeowners and future sellers:

Convenience – Control lights, locks, or thermostats from your phone or with your voice.
Security – Use video doorbells, motion sensors, and professional monitoring.
Energy Savings – Automate heating and cooling to lower monthly bills.
Buyer Appeal – Homes with automation feel modern and move-in ready.

Even small upgrades, like a video doorbell or smart lock, can make a big difference.

Vivint Smart Home

For: Homeowners who want full-home automation with professional installation.

Equipment Cost: $450–$600+
Monitoring Fee: $29.99–$39.99/month (+$5 per camera)
Contract: Month-to-month if paid upfront, or 3.5–5 years if financed
Ratings: 9.1–9.4/10 expert reviews | 4.2/5 Trustpilot
Integrations: Amazon Alexa, Google Assistant, Z-Wave devices

Highlights:
Vivint offers whole-home automation and security. Features include AI-powered cameras, 24/7 monitoring, and integration with lighting, locks, and climate control. The mobile app puts everything in one place.

Considerations: Higher upfront costs and contracts may not suit every homeowner.

SimpliSafe

For: Affordable DIY security with no contracts.

Equipment Cost: Around $199
Monitoring Fee: From $19.99/month
Contract: None (month-to-month)
Ratings: 9.8/10 expert reviews | strong customer satisfaction
Integrations: Amazon Alexa, Google Assistant

Highlights:
SimpliSafe is easy to set up and focuses on reliable security. It includes cameras, sensors, and alarms with flexible monitoring plans. Alexa and Google compatibility allow for basic voice control.

Considerations: SimpliSafe does not offer full-house automation, such as smart lighting or climate systems.

ADT

For: Nationwide brand trust and professional monitoring.

Equipment Cost: $199–$599
Monitoring Fee: From $24.99/month
Contract: Month-to-month or up to 36 months
Ratings: 9.8/10 security rating
Integrations: Amazon Alexa, Google Assistant, Z-Wave devices

Highlights:
ADT is one of the most recognized names in home security. It provides professional monitoring across multiple centers, mobile app controls, and integration with lights and locks.

Considerations: Some plans require longer contracts.

Ring

For: Budget-friendly, camera-first security.

Equipment Cost: Varies, generally low
Monitoring Fee: $19.99/month
Contract: None
Ratings: Around 4/5 customer reviews
Integrations: Amazon Alexa

Highlights:
Ring is best known for its video doorbells and security cameras. It sends real-time alerts and allows live viewing through its app. With Alexa, homeowners can control devices hands-free.

Considerations: Ring is more focused on cameras than complete automation.

Cove

For: Cost-effective security with flexible terms.

Equipment Cost: About $300
Monitoring Fee: From $17.99/month
Contract: None
Ratings: 8.7/10
Integrations: Amazon Alexa, Google Assistant

Highlights:
Cove offers budget-friendly home protection with easy DIY setup. Monitoring is affordable, and smartphone alerts keep homeowners updated.

Considerations: Cove is simpler than systems like Vivint or ADT and lacks advanced automation.

Control4

For: Luxury homes with high-end, customized automation.

Equipment Cost: High-end custom pricing
Monitoring Fee: N/A (dealer-based)
Contract: Dealer installation agreements
Ratings: Premium brand for full-home automation
Integrations: Amazon Alexa, Google Assistant, Apple HomeKit, and thousands of third-party devices

Highlights:
Control4 specializes in luxury-level automation. It integrates lighting, audio, security, and climate into one seamless system, often with elegant touchscreens and wall panels.

Considerations: Pricing is significantly higher, and installation must be done through certified dealers.

Smart Home Comparison Chart

System	Equipment Cost	Monitoring Fee	Contract	Integrations	Best For
Vivint	$450–$600+	$29.99–$39.99/mo	Mo-to-mo or 3.5–5 yrs	Alexa, Google, Z-Wave	Full-home automation + security
SimpliSafe	~$199	From $19.99/mo	None	Alexa, Google	DIY, affordable security
ADT	$199–$599	From $24.99/mo	Mo-to-mo or 36 mo	Alexa, Google, Z-Wave	Reliable nationwide monitoring
Ring	Low, varies	$19.99/mo	None	Alexa	Affordable, camera security
Cove	~$300	From $17.99/mo	None	Alexa, Google	Budget-friendly protection
Control4	High-end custom	Dealer pricing	Dealer contract	Alexa, Google, Apple, 3rd-party	Luxury whole-home automation

Final Thoughts

Smart home automation is becoming an expected feature in modern houses. From entry-level DIY systems like SimpliSafe and Ring to advanced platforms like Vivint and Control4, there’s a solution for every budget and lifestyle.

Homeowners enjoy improved convenience, energy savings, and peace of mind.
Sellers can highlight smart technology to make their homes more appealing.
Even simple devices like a smart lock or thermostat can set your home apart in the market.

Ready to Take the Next Step?

Smart home upgrades can enhance your lifestyle today and add value if you’re preparing to sell. If you’re considering buying, selling, or investing in real estate, I can help you understand which features matter most to today’s buyers.

📞 Kristine Green
Realtor®, Global Luxury Specialist
Coldwell Banker Realty
Office: 513-445-8195 | Mobile: 513-884-1754

Investing in Real Estate • Relocation • August 14, 2025

Why Late September 2025 Is the Best Time to Buy a Home—According to Experts

by Kristine Green

As summer winds down and kids return to school, many assume the best time to buy a home has passed. But for savvy homebuyers, late September—specifically the week of September 29 through October 5—offers one of the most favorable windows of the year to make a move.

According to Realtor.com, buyers who take advantage of this narrow fall window can save over $14,000 compared to peak summer prices. It’s the perfect time to step in while competition cools and motivated sellers are ready to negotiate.

Prices Drop After the Summer Rush

The summer market is known for peak prices and heavy competition. Families scramble to close before the school year starts, and sellers often price high, knowing demand will be strong.

But as we head into fall, prices begin to drop sharply. Sellers who missed the summer window are more flexible, and many reduce their asking prices to attract attention before year-end.

If you’re a buyer, this is a prime opportunity to negotiate, save money, and still enjoy a great selection of listings.

More Listings, Less Competition

Even as buyer activity slows down, fall still offers plenty of inventory. Homes listed in late summer are still available, and new listings continue to hit the market.

With fewer buyers shopping, you’ll notice several advantages:

Bidding wars are less common
Leverage shifts in your favor
Thoughtful decision-making becomes easier

This makes late September an ideal time for those who felt pressured or priced out earlier in the year.

Sellers Are More Motivated

By late September, many sellers are facing personal or financial timelines. Some want to move before the holidays, others are aiming to close before the end of Q4, and many want to avoid carrying the home into winter.

These motivations often lead to:

More flexible pricing
Willingness to offer closing cost credits
Faster response times to offers

For buyers, this opens the door to better terms and a more collaborative negotiation.

Expert Tips for Fall Buyers

Want to make the most of this seasonal sweet spot? Here’s how:

✅ Get pre-approved now so you’re ready to move quickly.
✅ Target homes on the market for 30+ days—those sellers may be more negotiable.
✅ Ask about school zones, neighborhood trends, and resale value.
✅ Partner with a local agent who knows how to capitalize on fall market timing.

Preparation makes the difference when timing your purchase right.

Why Closing Before the End of the Year Matters

Buying in late September often means you’ll close by late fall—just in time for tax season and holiday planning.

Buying before year-end comes with multiple benefits:

✅ You may qualify for homestead tax exemptions
✅ Mortgage interest and property taxes could be deductible
✅ You’ll enjoy a fresh start before the new year
✅ And you can avoid the hassle of a winter move

You’ll also lock in your rate and start building equity before January.

Let’s Build a Strategy for Your Next Move

If you’ve been waiting for the right moment to buy a home, late September may be your best opportunity this year.

As your personal real estate expert, I’m here to help you navigate the market with confidence and strategy.

📞 Call 513-445-8195 today to schedule your personalized fall homebuying consultation.

If you’re considering selling in the next 6 to 12 months, let’s talk now so we can create a tailored plan to maximize your home’s value when you’re ready to list.

Let’s make your next move your best one yet.

Homeownership Tips • Investing in Real Estate • July 30, 2025

July 2025 Real Estate Market Update: Trends Across Cincinnati and the Northern Suburbs

by Kristine Green

July 2025 Real Estate Market Update

As we move through the heart of summer, the July 2025 housing market in Greater Cincinnati and the northern suburbs is experiencing a typical seasonal shift. While buyer interest remains steady, activity has slightly tapered as many families take vacations or prepare their children for the upcoming school year.

Inventory Inches Up, But Still Tight

Across Cincinnati and its northern suburbs—such as Mason, West Chester, Loveland, Liberty Township, and Monroe—we’re seeing a slow but steady increase in new listings. Inventory is up 12% month-over-month, giving buyers a bit more breathing room. However, the total number of available homes remains well below pre-pandemic levels.

Takeaway: Sellers still have an advantage, especially in move-in-ready homes priced appropriately. Buyers now have more selection, but desirable homes in great school districts still move fast.

Price Growth is Leveling Out

Home values in the Cincinnati metro area and surrounding suburbs have held firm this month, with a modest 1.8% increase year-over-year. The luxury markets—including Indian Hill, Montgomery, and parts of West Chester—continue to perform well, while family-friendly neighborhoods in Mason, Deerfield Township, and Fairfield Township are attracting steady interest from buyers looking to settle in before the school year begins.

School-Year Planning Causes Brief Slowdown

Every July, the real estate market sees a natural cooling as families focus on summer vacations, back-to-school shopping, and planning transitions. This year is no exception. Open house traffic has dipped slightly, and showings tend to slow in the afternoons and weekends.

However, serious buyers are still out there—especially those relocating for work or targeting a school district move before fall.

Interest Rates and Buyer Motivation

Mortgage rates are averaging 6.4% for a 30-year fixed, creating a mix of urgency and caution. Buyers with strong credit are locking in rates now, while others are exploring flexible loan options to maintain affordability.

Pending Sales Still Strong

Even with the seasonal slowdown, pending home sales rose 7% compared to June, proving that motivated buyers are still taking action. The northern suburbs—particularly Mason, Liberty Township, and Monroe—are seeing strong movement due to their school ratings, community amenities, and newer home inventory.

Is Now a Good Time to Sell or Buy?

Yes—if you have a plan. Sellers who list now face less competition than in spring and can appeal to serious buyers looking to move before school starts. Buyers benefit from increased inventory and slightly less competition, creating more negotiating power.

Let’s Discuss Your Goals

Whether you’re looking to sell, buy, or simply understand your home’s value in today’s market, I’m here to guide you. With proven marketing strategies and a customized approach, I help clients make smart moves—regardless of the season.

📞 Call: 513-445-8195

Investing in Real Estate • July 19, 2025

Are You Putting Your Life on Hold Waiting for Interest Rates to Drop? A Smart Buyer’s Guide to Timing, Preparation, and Strategy

by Kristine Green

Buying a home is a meaningful step—financially, personally, and emotionally. In today’s market, many buyers are pressing pause, waiting for a “better time” or hoping for lower interest rates. But the housing market will always ebb and flow. The key isn’t trying to time it perfectly—it’s making a well-informed decision that aligns with your goals, your budget, and your life.

When you’re financially prepared and focused on buying the right home—not just any home—you’re already positioned for success. This guide will show you how to prepare wisely, evaluate your options clearly, and move forward with confidence when the time is right for you.

Step One: Financial Readiness Comes First

Before timing the market, make sure you’re financially prepared. The better your financial foundation, the more options you’ll have—and the faster you can act when the right home appears.

How to Prepare:

Review Your Credit Score and Reports
- Check all three bureaus for accuracy at AnnualCreditReport.com.
- Aim for a score of at least 620; 740+ unlocks the best rates.
- Pay down credit card debt and resolve any reporting errors.
Speak With a Lender for Pre-Approval
- A full pre-approval shows sellers you’re serious.
- A lender will help you understand your true buying power and walk you through loan options.
Set Aside Funds for Your Down Payment and Closing Costs
- Down payment: typically 3%–20% depending on loan type.
- Closing costs: typically 2%–5% of the purchase price, including:
  - Title insurance
  - Loan origination fees
  - Home inspection and appraisal fees
  - Prepaid property taxes and insurance
Create a Realistic Monthly Budget
- Account for property taxes, homeowners insurance, utilities, HOA dues, and maintenance—not just the mortgage payment.
Pause Major Financial Changes
- Avoid large purchases, new credit accounts, or job changes during the homebuying process.

Clarify Your Must-Haves, Wants, and Flexibility

One of the smartest things buyers can do before they start shopping is to create a clear list of priorities.

Must-Haves (Non-Negotiables)

These are essential for your lifestyle or financial goals:

Number of bedrooms and bathrooms
Price range
Specific school district, commute time, or accessibility needs
Parking or garage
Lot size or floorplan layout

Would-Like-to-Haves (Wants)

These make daily life more convenient or enjoyable:

Updated kitchen or baths
Dedicated office or bonus room
Outdoor space or fenced yard
Open floor plan or finished basement

Nice-to-Haves (Bonuses)

These are extras—not essential, but great if you find them:

Smart home tech
Pool or spa
High-end finishes or custom details
Scenic views or location perks

Know Where You’re Flexible

Ask yourself:

Could I handle a few small projects or updates if the layout is right?
Am I open to older homes with character—or do I prefer new construction?
Would I consider a different neighborhood if it offers better value?

Knowing your non-negotiables and your flexible areas helps you act with clarity and confidence, without getting distracted by emotion or pressure.

Don’t Skip Inspections and Appraisals

Even if a home looks perfect, inspections and appraisals protect your investment.

Home inspections identify structural, mechanical, or safety issues.
Appraisals ensure you’re paying fair market value and are required by most lenders.

I’ve helped buyers navigate everything from minor repairs to complex post-inspection negotiations. I’ll help you assess the situation, avoid surprises, and keep the transaction on track.

What About Interest Rates?

It’s understandable to want the lowest rate—but here’s the reality:

Interest rates rise and fall. Life moves forward. And waiting for the “perfect” rate can cause you to miss the right home, the right neighborhood, or the right opportunity for your goals.

Many smart buyers today are:

Buying within a comfortable monthly budget
Locking in fixed rates they can afford now
Planning to refinance if and when rates improve

If you’re financially prepared, there’s no reason to let interest rates stop you from making the right move for your life today. I’ll help you evaluate your numbers and build a strategy that protects your interests long-term.

Timing the Market vs. Living Your Life

Fall & Winter:

Lower buyer competition
Motivated sellers
More negotiating power

Spring & Summer:

More inventory
Higher buyer activity
Faster-paced market

The best time to buy isn’t just about the calendar—it’s about your personal goals, your financial readiness, and the right support to guide the way.

Why Who You Work With Matters

Buying a home is more than a transaction. It’s a complex process with timelines, negotiations, and big decisions. You deserve an agent who:

Knows the contracts and contingencies inside and out
Has experience solving real-world challenges
Negotiates with strategy and calm under pressure
Advocates for you from first showing to final signature

With nearly two decades as a licensed Realtor®, I’ve helped hundreds of clients navigate changing markets, inspection issues, low appraisals, competitive offers, and more. You’ll never feel lost or alone in the process.

Ready to Make Your Move?

Whether you’re buying, selling, or simply exploring your options, I’m here to help you navigate the market with clarity, strategy, and results. Let’s connect and create a plan tailored to your goals. As always, feel free to call: 513-445-8195

Kristine Green
Top Realtor® | #1 Brokerage in Cincinnati
Global Luxury & Local Expertise | Client-Focused | Proven Results
Successfully Serving Cincinnati Homes & Businesses Since 2007

Investing in Real Estate • June 30, 2025

June 2025 Greater Cincinnati Real Estate Market Update

by Kristine Green

Summer is here, and the Greater Cincinnati real estate market is heating up too. Whether you want to buy, sell, or invest, knowing the latest trends can help you make smart choices.

🌟 What’s Happening in the Residential Market?

As of June, the median home price in Greater Cincinnati is about $375,000, which is 4% higher than last year. Many neighborhoods are seeing steady price growth as demand stays strong.

The good news for buyers? There are 18% more active listings than this time last year. That means more choices, but it also means sellers face more competition. Homes are spending an average of 24 days on the market, a bit longer than last year’s 19 days, showing buyers are taking more time before making decisions.

The average price per square foot is around $198. In many northern areas, it ranges from $190–$210/sq ft, making our market competitive but still affordable compared to bigger cities.

🔎 Expired Listings: A Warning for Sellers

Greater Cincinnati has more expired and withdrawn listings this summer. When a home doesn’t sell before the listing contract ends, it’s often because the price was too high or the marketing didn’t connect with buyers.

If your home didn’t sell, don’t get discouraged. Take the chance to review your price, update your home’s look, and plan a better marketing strategy. A fresh approach can help you attract buyers and get your home sold.

🏡 How Sellers Can Stand Out

Today’s buyers have more choices. To get offers, your home needs to stand out. Here’s what you can do:

✅ Get a Pre-Listing Home Inspection
Fixing problems before listing your home can build buyer trust and make negotiations smoother.

✅ Reduce Buyer Concerns
Simple updates like fresh paint, modern lighting, or updated fixtures can make your home feel move-in ready. Staging helps buyers picture themselves living there.

✅ Price It Right
Homes priced within 2-3% of true market value sell faster and for more money. Overpriced homes often sit on the market and don’t attract offers.

✅ Use Professional Marketing
High-quality photos, videos, and a strong online presence help your home grab attention. Most buyers start their search online, so your listing needs to shine.

🔑 Tips for Buyers

✅ Get Pre-Approved Before You Shop
In today’s competitive market, pre-approval is essential—and experienced agents like me require it! Pre-approval shows sellers you’re serious, makes your offer stronger, speeds up the buying process, and is part of the purchase contract.

✅ Look for Hidden Deals
Watch for homes that recently expired or were relisted. These sellers may be more open to negotiation, which can help you get a better deal.

🏢 What’s Happening in Commercial Real Estate?

The commercial market in Greater Cincinnati is also busy. Businesses are adjusting their space needs, investors are looking for good opportunities, and owners are updating properties to keep up with new trends.

What’s Hot: Small industrial and flexible spaces are in high demand. Companies want these spaces for e-commerce, logistics, and services. Local retail centers in busy areas are still attracting franchises and regional businesses looking for strong foot traffic.

Trends to Watch:

Flexibility Matters: Tenants want shorter leases and flexible spaces so they can adapt quickly.
Office Conversions: Owners are updating or converting old office buildings to homes or mixed-use projects as remote work continues.
Neighborhood Retail is Strong: Smaller shopping centers near neighborhoods are staying busy as shoppers prefer nearby stores over large malls.
Sustainability: Investors and tenants care more about energy-efficient buildings and eco-friendly upgrades.

Investor Interest: Many local and regional investors are buying income-producing properties. Smaller industrial buildings and grocery-anchored retail centers are especially popular.

Seller Strategies: If you plan to sell a commercial property, highlight stable leases, good tenants, and recent upgrades. Pricing your property right and using professional marketing can help it sell faster.

📢 Ready to Make Your Move?

Whether you’re selling your home, investing in commercial property, or buying your next place, having an experienced agent by your side can make all the difference. My team and I offer proven strategies, local knowledge, and personal support to help you succeed.

📞 Call 513-445-8195 for a free, no-obligation consultation.

Let’s make your next move a success!

Homeownership Tips • Investing in Real Estate • June 25, 2025

7 Home Upgrades That Help You Sell Faster (and for More) This Summer

by Kristine Green

Thinking about selling your home this summer?
You’re not alone. Summer is one of the best times to list—buyers are motivated, the weather makes showings easier, and your home looks its absolute best with all that natural light and curb appeal.

But here’s the question I hear most from homeowners:
“What should I fix or update before listing?”

The answer doesn’t have to mean a full renovation. The key is making smart, strategic updates that create a strong emotional impression—and a great return on your investment.

After helping hundreds of homeowners prepare their homes for sale, I’ve identified the 7 most effective upgrades that help homes sell faster, for more money, and with less time on the market.

🎨 1. A Fresh Coat of Paint (Interior & Front Door)

Paint is a powerful first impression tool. It instantly freshens up your space, neutralizes bold choices, and gives buyers that coveted “move-in ready” feeling. This year, grays are out—warm neutrals and natural tones are in.

Top Paint Colors for 2025:

Sherwin-Williams “Accessible Beige”
Benjamin Moore “Classic Gray”
Sherwin-Williams “Alabaster”
Farrow & Ball “Skimming Stone”

Pro Tip: Don’t forget the front door! A pop of navy, sage green, or matte black creates a clean, welcoming entrance that buyers notice immediately.

Estimated Cost: $2,000–$3,000
ROI: Up to 107%

💡 2. Modern Lighting Fixtures (Transform a Room in a Day)

Lighting has an amazing way of transforming a space—and it’s one of the easiest upgrades you can make. Dated lighting can instantly age a home, while modern fixtures add style, warmth, and sophistication.

Easy High-Impact Swaps:

Sleek pendant lighting in the kitchen or dining area
Stylish foyer chandeliers or statement entry lights
Sconces in hallways or bathrooms for that designer touch
Updated finishes like matte black, brushed gold, or bronze

Pro Tip: Install dimmer switches or smart lighting controls for added ambiance and appeal. Use warm LED bulbs to give a cozy glow during evening showings.

Estimated Cost: $500–$1,200
ROI: Moderate—but the visual payoff is major

🍽️ 3. Minor Kitchen Refresh (Big Results Without a Gut Job)

The kitchen remains the #1 selling feature of most homes—and the best part is, you don’t need a full remodel to make a strong impression.

High-ROI Kitchen Updates:

Paint outdated cabinets a warm, modern tone
Replace hardware with matte black or brushed brass
Add a simple subway tile backsplash
Install a new pull-down faucet
Declutter countertops and add fresh, natural decor

Pro Tip: Buyers notice clean lines, natural light, and consistency. Keep your color palette neutral and the space tidy—it signals that your home has been well maintained.

Estimated Cost: $3,000–$7,000
ROI: 70–80%

🚿 4. Simple Bathroom Touch-Ups

Bathrooms don’t need to be luxurious—they just need to feel fresh, clean, and functional. You can achieve a polished look with just a few budget-friendly updates.

Ideas That Impress:

Re-grout tile or caulk around tubs
Replace the mirror with a modern framed option
Upgrade the faucet or lighting
Add shelving for simple staging (towels, candles, greenery)

Pro Tip: White towels, a neutral shower curtain, and soft lighting give that “spa” feel buyers love.

Estimated Cost: $1,000–$4,000
ROI: 60–70%

🌷 5. Curb Appeal That Turns Heads

Your home’s exterior is your first showing—online and in person. A tidy, attractive front yard can make all the difference in getting buyers through the door.

Simple Ways to Boost Curb Appeal:

Fresh mulch and seasonal flowers
Trim bushes and edge the lawn
Power-wash walkways and siding
Add a modern mailbox or house numbers
Paint or replace the front door

Pro Tip: Stand across the street and snap a photo—does anything look out of place or neglected? If so, start there.

Estimated Cost: $1,500–$3,000
ROI: Up to 100%

🪵 6. Flooring That Feels Fresh and Consistent

Flooring is one of the first things buyers notice. Worn carpet or mismatched floors can make a home feel disjointed or dated. The solution? Luxury vinyl plank (LVP) or refinished hardwoods.

Why Flooring Matters:

Creates a seamless, open feel
Makes the home look move-in ready
Helps buyers visualize furniture placement and flow

Pro Tip: Stick with wide planks and natural tones for broad appeal. Avoid overly trendy patterns or cool gray tones.

Estimated Cost: $5,000–$8,000
ROI: 80%

📱 7. Smart Home Features That Buyers Love

Today’s buyers—especially millennials and Gen X—are drawn to homes with modern, tech-savvy conveniences. These upgrades are affordable, easy to install, and add serious perceived value.

Must-Have Smart Features in 2025:

Smart Locks & Video Doorbells – Keyless access and remote monitoring for safety
Smart Thermostats – Auto-adjusts temperature and saves energy
Smart Lighting – App-controlled, dimmable, and programmable
Smart Plugs & Garage Openers – Convenience and automation made simple

Pro Tip: Most devices can be controlled from your phone, and buyers love knowing they can manage their home remotely.

Estimated Cost: $500–$1,500
ROI: 60%+ and strong buyer appeal

💬 Final Thoughts: Let’s Get Your Home Market-Ready

You don’t need a complete remodel to get top dollar—just smart, focused upgrades that today’s buyers love. Whether you’re prepping now or planning ahead, these 7 improvements can help your home stand out, sell faster, and attract stronger offers.

I’m here to help you every step of the way—from walk-through advice to connecting you with trusted local vendors. If you’d like a custom plan tailored to your home, I’d love to schedule a free, no-pressure consultation.

Let’s talk strategy and get your home ready to shine this summer. 📞 513-445-8195

Pre-Forclosure • June 10, 2025

Behind on Mortgage Payments? Know Your Options Before It’s Too Late

by Kristine Green

Falling behind on your mortgage can feel overwhelming—but you’re not alone, and you do have options. Whether you’ve missed a single payment or are already receiving notices, acting early can make the difference between saving your home, selling on your terms, or facing foreclosure.

With years of experience helping homeowners through challenging situations, I offer discreet, compassionate guidance and a results-driven plan. Here’s what you need to know if you’re behind on payments:

1. Understand Your Timeline

Most lenders won’t start foreclosure proceedings until you’re three to six months behind. However, late fees, credit damage, and added stress can begin immediately after your first missed payment.

What to do now: Don’t wait—contact your lender to understand your exact status and timeline.

2. Remember the Power of Your Equity

Many homeowners today have significant equity thanks to rising home values. If you’re facing financial hardship, selling your home before foreclosure can protect your credit and allow you to move forward with cash in hand.

Selling with positive equity can help you:

Pay off your mortgage balance
Cover moving expenses
Start fresh financially
Avoid the lasting impact of foreclosure on your credit

3. Life Throws Curveballs

Life can change in an instant. Job loss, health crises, the death of a loved one, or divorce can disrupt even the best-laid plans. Sometimes, staying in your current home isn’t the right choice—and moving on can offer peace, stability, and a fresh start.

You’re not alone. I understand life can be hard, and I’m here to help you navigate these moments with care and understanding.

4. Explore Loan Modification or Forbearance

If your hardship is temporary, you may qualify for a loan modification or forbearance plan. These programs can reduce or pause your payments while you work to regain financial stability.

5. Consider Selling Before Foreclosure

If your financial challenges are longer-term or your home no longer meets your needs, selling before foreclosure can protect your credit and preserve your equity. A proactive sale often results in a higher price than a bank-owned sale.

I provide customized marketing strategies to help you sell quickly and maximize your home’s value—even when time is limited.

Why Selling Now Can Be Your Best Move

Choosing to sell your home before foreclosure doesn’t mean giving up—it can be a smart, proactive decision that helps you regain control of your finances and your future. With many homeowners holding significant equity thanks to rising home values, selling sooner rather than later can offer powerful advantages, including:

Protecting Your Credit: A timely sale keeps foreclosure and missed payments from further damaging your credit score, making it easier to buy or rent in the future.
Preserving Your Equity: By selling before the bank takes over, you keep any equity you’ve built, which you can use for a security deposit, moving costs, or as a down payment on a more affordable home.
Reducing Stress: Knowing your next step and having cash in hand can lift a huge weight off your shoulders and allow you to focus on what comes next, rather than fearing what might happen.
Maintaining Control of the Process: When you sell on your own timeline, you can negotiate the best terms, choose your move-out date, and avoid the stigma of a foreclosure on your record.
Creating a Fresh Start: Sometimes life’s challenges—whether a job loss, health issue, divorce, or other unexpected event—mean it’s time for a new beginning. Selling now gives you the chance to reset and move forward with stability.

Remember: time is your most valuable asset in this situation. Acting sooner gives you more options and better outcomes.

6. Evaluate a Short Sale

If your home is worth less than your mortgage balance, a short sale—where your lender agrees to accept less than what you owe—could be an option. While it can affect your credit, it’s generally less damaging than foreclosure.

7. Don’t Ignore the Problem

The worst thing you can do is nothing. As missed payments accumulate, late fees and penalties add up quickly, making it even harder to catch up. Over time, foreclosure proceedings may begin, and the window to protect your credit and equity can close faster than you expect.

Ignoring the issue can also lead to:

More damage to your credit score, which can affect future housing and loan opportunities
Increased stress for you and your family as uncertainty grows
Losing the ability to sell on your own terms, as foreclosure limits your options and may leave you with little or no equity

Early action gives you the most control over your outcome. Even if you’re unsure of your next step, reaching out for professional guidance can open doors to solutions you might not know exist—from loan modifications to selling before foreclosure.

Remember, you don’t have to face this alone. A caring professional can help you understand your options, advocate on your behalf with lenders, and guide you toward the best decision for your situation.

Need Help Getting Ready for the Market?

If you’re thinking about selling but feel overwhelmed by repairs, updates, or prepping your home for buyers, let’s talk. I can guide you through every step—and our office offers programs like Revitalize to help cover upfront costs for staging, renovations, and improvements that can boost your home’s value.

But I can’t help if you don’t pick up the phone. Call me today to get started on a plan that will give your home the best chance to sell quickly and for top dollar.

A Trusted Confidant You Can Rely On

I’m here to hold your hand through these difficult times, serving as your trusted guide and confidant. All consultations are completely discreet. I promise to help you move on with care and ease, so you can start the next chapter of your life with confidence.

Call Kristine Green at 513-445-8195 for a confidential, no-obligation consultation. You do not have to do this alone!

Investing in Real Estate • May 31, 2025

May 2025 Greater Cincinnati Real Estate Market Update: Summer Brings New Opportunities

by Kristine Green

As May 2025 officially comes to a close and schools have let out for the summer, the Greater Cincinnati real estate market is experiencing some shifts. While the national real estate landscape may look different in some areas, Cincinnati is seeing its own unique set of trends. The summer months bring fresh opportunities for both buyers and sellers in the region, but it’s important to recognize that local dynamics may vary from the national picture.

🌞 Summer Brings More Inventory and Choices

Greater Cincinnati is currently experiencing an increase in available homes, with more listings entering the market as summer begins. This rise in inventory provides buyers with more options and more time to make thoughtful decisions, especially as we enter the slower summer months. However, it’s important to note that not every property is seeing the same results. While there is an influx of homes in many neighborhoods, certain property types—such as luxury homes and new construction—are still highly sought after and attracting multiple offers.

In contrast, some older homes or properties with less modern finishes are seeing longer market times and price reductions, with more listings expiring than in previous months. This provides an opportunity for buyers who may have been hesitant to enter the market earlier due to higher competition.

📉 Price Adjustments Create Opportunities

As the inventory of homes increases, some sellers are adjusting their price expectations to remain competitive. In Greater Cincinnati, approximately 18% of listings saw price reductions in April. These price adjustments are especially common in neighborhoods with older homes or those requiring updates. For buyers, this means a chance to secure a property at a more affordable price than earlier in the year.

However, properties in prime locations or those with desirable features—like updated kitchens, spacious yards, or modern amenities—are still in demand. These homes continue to see multiple offers, especially in high-demand areas like Mason, West Chester, and Hyde Park.

💰 Mortgage Rates Stabilize

Mortgage rates have stabilized around 6.89% for a 30-year fixed-rate loan. While this is higher than the historically low rates we’ve seen in recent years, this stability provides buyers with more certainty when it comes to planning their finances. Greater Cincinnati buyers can take advantage of the more predictable rates while securing a home in areas that are still experiencing strong demand.

📊 National Real Estate Trends and How They Compare to Cincinnati

Nationally, the real estate landscape is experiencing some notable shifts:

Buyer Activity Declines: U.S. home sellers significantly outnumber buyers, with nearly 500,000 more homes for sale than there are buyers, marking the widest margin recorded by Redfin since 2013. High mortgage rates nearing 7% and economic uncertainties have dampened buyer enthusiasm during the spring season. (NYPost)
Inventory Surges Amid Slowing Demand: Housing inventory has reached five-year highs, particularly in the South and West regions, where listings are spending longer on the market, prompting price cuts. In April, nearly 20% of sellers reduced prices—the highest rate since 2016—with cities like Phoenix, Tampa, and Jacksonville seeing the most reductions. (MarketWatch)
Mortgage Rates and Affordability Challenges: Mortgage rates are stabilizing around 6.89%, which provides some certainty but still remains a barrier for many buyers. The high rates, combined with high home prices, continue to strain affordability for first-time buyers. (Reuters)
Regional Variations: While the national market is cooling, regional markets like the Northeast and Midwest are still showing resilience due to limited inventory. Conversely, areas like the West and South are experiencing price declines due to affordability challenges and economic factors. (Cotality)

While these trends are unfolding nationally, it’s crucial to understand that Cincinnati is experiencing its own local market dynamics. The increase in inventory and pricing adjustments in the region contrasts with the national slowdown, showing that Greater Cincinnati is still very much a market of its own.

🏡 Seller Strategies for a Balanced Market

For sellers in Greater Cincinnati, the current market calls for a more strategic approach. Sellers of high-demand properties—such as newer homes in popular neighborhoods—are still seeing strong interest and can often sell quickly, sometimes with multiple offers. On the other hand, sellers with homes that are less updated or in less competitive locations may need to adjust their pricing and marketing strategies. Offering incentives like closing cost assistance or home warranties can help attract serious buyers.

It’s essential for sellers to recognize the shifts in the market and adjust expectations accordingly. The right pricing and marketing strategies will make a significant difference in securing a sale.

🔮 Looking Ahead: A Balanced Market

Looking ahead into the summer and fall of 2025, Greater Cincinnati’s real estate market is expected to remain balanced, with a steady flow of inventory, stabilizing mortgage rates, and price adjustments that benefit buyers. Both buyers and sellers have opportunities to make thoughtful, strategic moves this season, and with the right preparation and guidance, you can navigate the market with confidence.

Key Takeaways for Greater Cincinnati Real Estate:

Buyers: More inventory, price reductions, and stabilized mortgage rates provide opportunities for thoughtful purchasing. However, be prepared for competitive bidding on prime properties.
Sellers: If your property is highly desirable or in a sought-after location, expect continued demand. For properties with fewer updates or in less competitive areas, adjusting your price and strategy may be necessary to attract the right buyer.
Investors: Opportunities remain in both established neighborhoods and newer developments. Keep an eye on areas where inventory is rising and properties are being priced more competitively.

Ready to make your move this summer? Whether you’re buying or selling in Greater Cincinnati, I’m here to provide expert guidance tailored to your specific goals. Contact me today for a free consultation, and let’s work together to find the best opportunities in the local market.

Lifestyle • Luxury Homes • Relocation • May 20, 2025

Cincinnati’s Memorial Day Kickoff: Events + Real Estate Opportunities You Shouldn’t Miss

by Kristine Green

Memorial Day weekend isn’t just the start of summer—it’s also the unofficial kickoff to the hottest season in real estate. As families gather for parades, barbecues, and pool openings across Greater Cincinnati, many are also thinking about making a move.

If you’ve been considering selling your home, this is the perfect time to act. The market is full of buyers—especially families hoping to settle in before the new school year—and the long weekend gives sellers a natural opportunity to prepare their homes, boost curb appeal, or start listing conversations.

So while you’re enjoying local events from Taste of Cincinnati to the Hyde Park Block Party, know this: now is the time to get ahead of the summer real estate rush.

Why This Time of Year Matters for Home Sellers

Late May through July is one of the most active times of year for real estate, and sellers are uniquely positioned to benefit. Here’s why:

School Breaks: Many families plan their moves around the school calendar to avoid mid-year disruptions.
Extended Daylight: Longer days make it easier to schedule showings and open houses.
Enhanced Curb Appeal: Summer landscaping makes homes more attractive.
Buyer Urgency: Inventory tightens in late summer, but buyer demand remains high.

If your home is not quite market-ready, now is the time to start preparing. This includes minor updates, staging, and decluttering. You can begin here with a helpful resource:
👉 Spring Cleaning Donations in Cincinnati – Where to Take Your Stuff »

Planning a Move or Transition?

Whether you’re downsizing, in-between properties, or relocating out of state, I offer support tailored to your situation:

Memorial Day Weekend Events in Greater Cincinnati

May 24–27, 2025

Here’s a curated list of local events worth attending this holiday weekend:

Cincinnati

Taste of Cincinnati (May 24–26)
Downtown Cincinnati’s signature food and music festival.
Cincinnati Reds vs. Cubs
Home games throughout the weekend at Great American Ball Park.
North by Northside Festival (May 24–25)
80+ local bands performing at venues throughout the Northside neighborhood.
Hunger Walk & 5K Run (May 26)
Annual event supporting the Freestore Foodbank and local hunger relief.
Spring Grove Cemetery Veterans Tribute (May 25)
A moving tribute honoring those who served.

Hyde Park

Hyde Park Avenue Block Party (May 26)
Community celebration with food, music, and neighbors.

Oakley

Oakley Pool Opening (May 24)
Seasonal opening for one of Cincinnati’s favorite community pools.

Mason

Memorial Day Parade and Ceremony (May 26 at 10:00 AM)
A classic community parade followed by a remembrance ceremony.

West Chester

Memorial Day Parade (May 26 at 10:00 AM)
Patriotic celebration along Cincinnati-Dayton Road.

Loveland

Memorial Day Parade and Ceremony (May 26 at 9:00 AM)
Honoring veterans at Veterans Memorial Park.

Blue Ash

73rd Annual Memorial Day Parade and Ceremony (May 26 at 10:15 AM)
A long-standing tradition beginning at Reed Hartman Hwy & Cooper Road.

Get Your Free Home Market Evaluation

Wondering what your home is worth in today’s market? Whether you’re looking to sell this season or just exploring your options, I offer a complimentary home value assessment with no obligation.
👉 Request your home valuation here »

Thank You & Happy Memorial Day

Thank you for being part of this community. I’m here to provide trusted, high-level service with clear communication and full accessibility every step of the way. As you enjoy the holiday weekend, stay safe, have fun, and remember the reason we celebrate. And when it comes to real estate—whether you’re buying, selling, or planning your next move—I hope you’ll think of me.
Click here to connect or call/text me at 513-884-1754.

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