Why this September Feels Different

Dear friends,

I love September. The kids are back in school, routines return, the weather is perfect and we’re all reminiscing about the best parts of summer. For me, it’s also my birthday month — which always feels like a natural fresh start. A new season. A new chapter.

This year feels especially new in our house. Both of our boys started at new schools. My oldest is a brand-new middle schooler navigating 6th grade, and my 9-year-old just began at Landon, stepping into an all-boys environment where uniforms and tradition set the tone. I love the discipline and growth I’m

seeing out of both of them already — it’s a reminder that change, while challenging, can bring out the best in us.

In that vein, just like my boys are stepping into new seasons of growth, maybe this fall is the right moment for your fresh start, too. And in real estate, the timing couldn’t be more interesting — the market itself is in transition, opening up opportunities we haven’t seen in a while.

📊 3 Key Insights Shaping the Market Right Now

Rates are easing.

The 30-year fixed mortgage is now closer to 6.25–6.40%, recently reaching its lowest point in nearly a year. That dip is giving families more buying power and reopening doors that felt shut just months ago.

Demand is climbing.

Mortgage applications — both purchases and refinances — are at their highest in more than three years. Buyers who pressed pause are jumping back in, which means competition is warming up again.

Inventory is improving, but affordability is still tough.

More homes are hitting the market compared to last year, giving buyers a little more choice. But prices and overall costs (insurance, taxes, mortgage payments) are still squeezing budgets — making smart strategy more important than ever.

💡 What This Means for You

Thinking of selling? Buyers are back. Well-presented homes in desirable locations are drawing attention, but pricing strategy matters more than ever.

Looking to buy? You may finally have a bit more leverage, with more homes to choose from and slightly friendlier rates.

Staying put? Consider a refinance check-up. Lower rates could save you money, even if you’re not planning a move.

For me, September is a season of renewal. If you’re ready to start something new, I’d love to help you take the first step with confidence.

Warmly,

House

kaul

8408 Crimson Leaf Court

Potomac // Avenel

5 Beds | 4.5 Baths | 5,029 SQFT

When my would-be seller approached me, we talked through the options and landed on a smart strategy for this special Avenel home: prepare and photograph now, before the leaves fall and the trees turn bare. 🍂 This renovated home is absolutely stunning—with a yard and pool that shines in the current backdrop—and while we’re not fully marketing it yet (you’re among the first to know about it), we wanted to capture it at its best. By planning ahead, we ensure the home is ready to launch beautifully whenever the timing feels right. That’s the kind of forethought you deserve: a strategy that protects your options, puts you in the strongest position, and keeps your goals first—even if plans shift down the road.

git's guide

As the season changes, Git’s Guide brings you a curated collection of things to make your life better. This month I am sharing three things I personally own and each of them makes me uniquely happy. I hope they bring joy to your space too!

JOVS 4D Laser Light Mask

I’ve got one of these and as the weather cools down and we spend more time at home, consider adding a red light therapy mask to your routine. This one offers advanced LED laser light therapy to target fine lines, dark spots, and dullness.

Williams Sonoma Crofton Doormat

With trick-or-treaters on the way, you'll have the opportunity to enjoy your elevated curb appeal more often with this personalized doormat. Both festive and functional, it sets the tone for cozy autumn nights and gatherings.

Gucci Clogs

Turns out this fall has me fully in my monogram era 😂 and what better way to embrace it than with these adorable clogs? They’re perfect for keeping toes warm and cozy — with or without socks and keep you as chic as you are comfy this season.

Save the Date:

5th Annual Kaul Me A Holiday Market

I cannot believe I am in my 5th year of hosting our beloved outdoor neighborhood market which brings together over 20 local women owned businesses just in time for holiday shopping. This event is all about celebrating the art and enterprise of these inspiring women, building community and of course, shopping. Having my clients and supporters come out every year is so meaningful and I look forward to welcoming you to the market this year on

Nov 9th, from 12-4. Details below!

KAUL HOME GROUP sales

Bannockburn

off market

7111 Braeburn Place

4 BD 3.5 BA 3275 SF $1,395,000

Grasonville

ACTIVE ON MARKET

141 Winchester Avenue

5 BD 5 BA 5399 SF $1,295,000

NoMa-H Street

UNDER CONTRACT | REPRESENTING SELLER

913 12th Street Northeast, Unit 4

2 BD 2 BA 955 SF $699,000

YOUR Market report

What my clients say

"Gitika Kaul is fantastic—responsive, upbeat, and full of great referrals. Professional, elevated, and easy to work with, she made the process seamless. Highly recommend her as a top-tier real estate professional."

- Rockville Seller

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