Cathy Lutz - Berkshire Hathaway Home Services First, REALTORS

I fully appreciate that this is not business as usual…or life as usual.

Yet, we at Berkshire Hathaway HomeServices First Realtors remain positive, present, and prepared to do what’s necessary to help you navigate the transaction every step of the way. The digital infrastructure already in place will serve to minimize disruptions and help ensure contract and closing deadlines are met.

Expertise through experience. With more than 19 years experience as a top producing Realtor, I provide client advocacy and transparency throughout the transaction. As a member of both the Sunflower and Lawrence MLS, I promote your home to engage the largest audience of potential Buyers.

While the current COVD-19 challenges impact the global economy, housing markets remain local. Put my local expertise to work for you.

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Using photos I’ve taken from a 360° camera, I can quickly compile the images to create an immersive tour that flows seamlessly from room to room. For Buyers, I can create virtual showings with high quality resolution. This technology serves Sellers by minimizing physical showings to quality prospects with interest and intent.

Search Homes with Virtual Tours

Find me in your favorite social media space, I look forward to connecting.

Who Pays for Title Insurance and How Do I Find a Company?

By Cathy Lutz | September 29, 2020

Buying title insurance is a pretty straightforward process. A title company will walk you through the process and will do almost all of the work itself. Still, there are some things to know about how to find a good title insurance company and how much the service costs. When buying title insurance, look to your […]

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How to Prepare for a Home Loan Refi

By Cathy Lutz | September 29, 2020

Just as you want to put your best financial foot forward when applying for a mortgage to buy your first home, you also want to prepare your finances before refinancing a home loan. A mortgage refi can pay for a kitchen or bathroom remodel, for example, or for something as simple as replacing a homes […]

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Modular vs. Manufactured Homes: What’s the Difference?

By Cathy Lutz | September 29, 2020

Many hopeful homeowners may get confused by the terms modular and manufactured when it comes to property types. And while modular and manufactured homes tend to get used interchangeably, they are actually very different. Technically, both types of homes could be considered manufactured, since they are both built in a factory or manufacturing facility, but […]

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Maintenance Costs Every Homeowner Should Be Aware Of

By Cathy Lutz | September 29, 2020

A rule of thumb when determining how much money to set aside for ongoing home maintenance is to budget 1 percent of the homes purchase price each year. If your home cost $300,000, then setting aside $3,000 per year is a good start. You may not spend that much every year on home maintenance, but […]

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Financing Your Tiny Home Loan

By Cathy Lutz | September 29, 2020

Tiny homes dont cost much, but they can require a tiny mortgage. Unless you have $30,000 in cash to buy the average tiny home of 200 square feet, it can be difficult, if not impossible, to get a mortgage on a tiny home. A mortgage requires that a home be placed on a permanent foundation, […]

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Tips for Organizing Your Home

By Cathy Lutz | September 29, 2020

No matter the size of your home, odds are you could still spend all day cleaning. Even though life tends to get in the way of secondary chores, identifying your homes major bound-to-be-disorganized areas can help ease the clutter tension in your home and save you cleaning time. Kitchen: With so many pots and pans […]

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4 Non-Traditional Ways to Finance a Home

By Cathy Lutz | September 29, 2020

A 30- or 15-year, fixed-rate mortgage with the same payment amounts each month is one of the most common ways to buy a home”but not everyone can qualify for a traditional mortgage, or has the money set aside for a sizable down payment so they can get a low-interest loan and have affordable payments. Here […]

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What You Need to Know About Flood Insurance

By Cathy Lutz | September 29, 2020

In the wake of Hurricanes Harvey and Irma, the latest storms to devastate thousands of American homes, homeowners may find themselves wondering whether to consider flood insurance. For those in areas perceived as vulnerable, it’s no decision since its required as a condition of their home loan. For others, it raises the same questions as […]

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What Private Mortgage Insurance Is and How to Avoid It

By Cathy Lutz | September 29, 2020

Paying less than 20 percent on a down payment on a house will likely require buying private mortgage insurance by the lender. The insurance, called PMI for short, is used to reimburse the bank if you default on the loan. It isnt too expensive”usually between 0.5 and 1 percent of the entire loan amount paid […]

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3 Ways to Get Creative With Lighting

By Cathy Lutz | September 29, 2020

In today’s day and age, choosing the right lighting for your space can be an overwhelming proposition. But it doesn’t have to be. Here are three out-of-the-box ideas you can”and should”put into play. Light unexpected spaces. There’s no need to settle for simple overhead lighting. Up ambiance and interest in a room by lighting a […]

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