Timothy Lower

Orange Beach planners vote today (4 PM) on final plats for 142 cottage lots at Margaritaville. 2-bed lofts to 6-bed bungalows, live in or rent through the resort. Buying or investing near The Wharf? DM me "COTTAGE." baldwincitizen.com/orange-be… #OrangeBeach #BaldwinCounty

30-yr mortgage rates dipped again: ~7.03%, down from 7.11% last week. Tuesday's inflation report (CPI) decides if it sticks. Baldwin County buyers: get pre-approved now so you can lock fast. DM me "RATE" for your numbers. fortune.com/article/current-… #MortgageRates #BaldwinCounty

663 homes proposed in Loxley are on hold until Dec. 10. Planners want answers on lot sizes, recreation space, and traffic toward Hwy 59. Central Baldwin homes averaged $338K in October. Want to know what's for sale now? DM me "CENTRAL." southalnews.com/loxley-plann… #Loxley #BaldwinCounty

Rates fell 3 weeks straight to 7.18%, but a hot jobs report (+165K) keeps a December Fed hike on the table. Baldwin County buyers: you've got a rate dip AND negotiating leverage right now. That combo won't last forever. DM me "RATE." realtywire.com/week-in-housi… #MortgageRates #GulfShores #BaldwinCounty

"You need 20% down." Biggest myth in real estate. 3% conventional. 3.5% FHA. 0% VA. And the lender you pick can quietly kill your deal without telling you another lender could've saved it. Tim Lower Podcast 👇 #RealEstate #FirstTimeHomeBuyer #BaldwinCounty #TimLowerPodcast

50-foot pilings?! Buying land in Baldwin County? Jillian Lopez on the red flags to watch for. Full episode: youtu.be/AF0QkZGUh6Q #BaldwinCounty #LandForSale #RealEstate #TimLowerPodcast

You don't have to be an artist to donate to Art for Heart. Any service, any profession. Not just Orange Beach: Daphne, Fairhope, Bay Minette, all of Baldwin County. Amanda Spears Harper, @heartalabama. Full episode: youtu.be/6sXfunko604 #ArtForHeart #TimLowerPodcast

Baldwin County beach market, October: 🏖️ Resort-area avg price $793,039, up 11.4% 🏢 Coastal condos up ~21% 📉 Beach new listings down ~11% Fewer listings = a window for sellers. DM me for your home's value. obawebsite.com/baldwin-count… #GulfShores #OrangeBeach #BaldwinCounty

His team does 50+ ribbon cuttings a year. The person holding the scissors is doing exactly one. "It might be their dream. They might have thought about this for 20+ years." Travis Valentine, South Baldwin Chamber Full episode: youtu.be/pSawjyLcJmk #TimLowerPodcast

Where Art for Heart money goes: education, equipment, and supplies for areas in need — including infant CPR kits for local hospitals. Amanda Spears Harper with @heartalabama. Full episode: youtu.be/6sXfunko604 #ArtForHeart #TimLowerPodcast

U.S. home prices fell for a 3rd straight week. Monthly payments hit a 5-week low. Pending sales: lowest in Redfin's records. Baldwin County median sold ~$395K, ~87 days on market. Local listings still tighter than the national trend. DM me "PRICES" for your neighborhood numbers. redfin.com/news/housing-mark… #BaldwinCounty #RealEstate

NAR: first-time buyers are only 22% of the market, median age 40, and a RECORD 10% paid all cash. Cash first-timers median age: 54. Financed: 38. On the Gulf Coast, cash already matters. DM me "CASH" for a game plan. nar.realtor/newsroom/first-t… #BaldwinCounty #RealEstate

Foley has adopted its updated, FEMA-recognized flood ordinance. The city says it supports our standing in the National Flood Insurance Program. Buying or selling in Foley? Get the flood zone and insurance quote early. DM me. docketcity.com/al/foley/legi… #FoleyAL #RealEstate

A teacher handed her class a Google Doc. One kid asked for paper instead. Then the whole class did. Turns out they were right: you retain info far better writing by hand than typing. The pen-and-paper comeback is real. Stephanie Cody on The Tim Lower Podcast 👇 youtu.be/9WOi7B7mszM #Handwriting #EdTech #StudyTips #TimLowerPodcast #FoleyAL

Gulf Shores is weighing new impact fees on new homes: $4,831 to $15,326 by size, capped at 1% of property value. Nothing adopted yet; a public hearing comes first. Building or buying new? DM me before you sign. 🏗️ baldwincitizen.com/gulf-shor… #GulfShores #RealEstate

Last year Art for Heart raised about $351K. Started with 5–10 people in a home. Now it's at the Orange Beach Event Center at The Wharf with ~25 on the leadership team. Amanda Spears Harper with @heartalabama. Full episode: youtu.be/6sXfunko604 #ArtForHeart #TimLowerPodcast

Food stamps. Lost house. Lost car. Negative $800 in the bank 42 days after getting his real estate license. Today Sean Miku runs a brokerage of ~1,200 agents. The SimpliHOM founder's underdog story on The Tim Lower Podcast. 🎥 Full episode: youtu.be/MBWNE48k4xI Agents hiring now: joinsimplihom.com/timl552 #RealEstate #Realtor #SimpliHOM #TimLowerPodcast

Live auction + silent auction. Saints tickets with a New Orleans stay. A yacht day with a captain. Amanda Spears Harper on Art for Heart. Full episode: youtu.be/6sXfunko604 @heartalabama #ArtForHeart #TimLowerPodcast

U.S. homes for sale: up 7.4% 📈 Baldwin County: down about 8% 📉 30-yr rate eased to about 7.09%, from 7.21% last week. Buyers can negotiate. Sellers face less competition. DM me for your neighborhood's numbers. realtor.com/news/trends/hous… #BaldwinCounty #RealEstate

Home prices just fell year over year for the first time in 3+ years (Redfin: $389,601, -0.1%). Buyers have the most negotiating power in a decade. Buying or selling in Baldwin County? DM me and I'll show you how to use it. 🏖️ redfin.com/news/housing-mark… #RealEstate #BaldwinCounty