David Kowal Realtor & Wholesale Mortgage Loan Officer

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David Kowal Realtor & Wholesale Mortgage Loan Officer Your secret weapon in King County. I don’t just show homes; I engineer the financing to win them. Expert in Non-QM & Self-Employed obstacles. Stop competing.

As your Buyer Agent & Loan Strategist, I control the deal from offer to funding. Start closing.

📅 Schedule a time with me:https://calendar.app.google/yukgmxCyYwFPjecy6Is the housing market heading for a crash — or ar...
09/28/2026

📅 Schedule a time with me:
https://calendar.app.google/yukgmxCyYwFPjecy6
Is the housing market heading for a crash — or are we simply in a longer correction?
In this video, I break down what’s actually happening in today’s housing market and why the data points more toward a prolonged correction than a 2008-style collapse. Pasted markdown
We’ll cover why inflation-adjusted home prices matter, why seller concessions are becoming more common, what weaker buyer demand means, how rising inventory could create more negotiating power, and why housing conditions can vary dramatically by region. Pasted markdown
I also explain why buyers should focus less on headlines and more on strategy: understanding comparable sales, looking for motivated sellers, negotiating concessions, and making sure the payment and property make sense today rather than relying on future appreciation. Pasted markdown
A correcting market does not automatically mean it’s a bad time to buy. It means buyers need to be more disciplined and more selective.
If you’re thinking about buying, selling, or investing in real estate and want to review your specific situation, schedule a time with me above.
David Kowal
Lender & Realtor
Dual Expertise. Double Savings.

https://youtu.be/7Uo4v--mpC0 Foreclosures are rising again in 2026 — but this is...
05/27/2026

https://youtu.be/7Uo4v--mpC0 Foreclosures are rising again in 2026 — but this is not 2008.

This is not panic.
This is preparation.

Some homeowners are starting to feel more pressure from higher mortgage payments, property taxes, insurance, debt, repairs, and everyday living costs.

At the same time, buyers and investors may start seeing distressed properties come back into the market after years of limited opportunity.

But here is the truth:

A distressed property does not automatically mean a bad situation for the seller.
And it does not automatically mean a good deal for the buyer.

For homeowners, the key is to look at your options early — before missed payments, late fees, legal costs, and stress begin to stack up.

For buyers, the key is strategy. You need to understand the condition, repairs, financing, appraisal risk, resale value, and true numbers behind the property.

The opportunity is not just finding a lower price.
The opportunity is making the right move with the right plan.

If you are behind, overwhelmed, or unsure what to do next — message me the word PLAN.

I am David Kowal, Realtor and lender in Washington State, and I help people make smart real estate decisions with clarity, strategy, and confidence.

Schedule a meeting today: https://calendar.app.google/yukgmxCyYwFPjecy6What we are seeing is a measured but meaningful shift in the housing market. Some home...

05/14/2026

www.DavidKeysAndLoans.com

Classic charm meets modern function in the heart of Auburn! 🏡

This 1910 Auburn charmer offers the kind of character buyers love — a covered front porch, hardwood flooring, French doors, a sunny living room, a spacious kitchen with butcher block island, and flexible living spaces throughout.

With 3 bedrooms, 2 bathrooms, a partially finished basement, a sunroom, a covered back deck, and an oversized EV-charger-ready garage, this home gives you space to live, work, entertain, and grow. The backyard even features mature cherry trees and grape vines — a rare urban orchard feel right near Downtown Auburn.

Minutes from local restaurants, coffee shops, transit, and the Sounder Train, this one has the location, layout, and lifestyle buyers are looking for.

Message me if you want details or want to schedule a private showing.

MLS #2513950

115 F Street SE, Auburn, WA 98002

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05/10/2026

www.DavidKeysandLoans.com
Today I'm out touring homes with my buyers at 3961 East T Street in Tacoma, and this one is a great opportunity to take a closer look at what Tacoma has to offer.

When you are buying a home, the online photos are only the starting point. Walking the property in person helps buyers understand the layout, condition, neighborhood feel, commute, and whether the home actually fits their lifestyle and long-term goals.
Tacoma continues to be a strong option for buyers looking for value, space, and access to the South Sound. Whether you are a first-time homebuyer, relocating, or comparing neighborhoods in Pierce County, having a clear strategy before you tour makes a big difference.

I am David Kowal, a Realtor and lender in Washington, helping buyers make smart, informed decisions from the first showing to the closing table.
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05/10/2026
04/12/2026

www.DavidKeysandLoans.com🏡 OPEN HOUSE VIBES IN KENMORE 🔥

Sunday 3-6pm

This isn’t just an open house… it’s your chance to walk into your next home.

📍 16309 Simonds Rd NE, Kenmore

Step inside, explore every corner, and picture your life here—from morning coffee in the kitchen to relaxing evenings in your new living space.

✨ What to expect:

• Tour the home at your own pace

• Ask questions about pricing, financing, and the market

• Get real insights on what it takes to win in today’s market

💡 Whether you’re just starting your home search or ready to make a move—this is where it begins.

📲 Want details before you show up?

DM me or hit the link in bio.

Address

1524 Market Street
Kirkland, WA
98033

Telephone

+14257771509

Website

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