Jay Cottrell - Real Estate Agent

09/05/2026

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.

A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.

And that opens up a window for you to get brand new everything for less than you may expect.

DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget after all.

09/04/2026

Do you realize how much pull you have right now as a buyer?

There are more sellers than buyers on the market right now. That means a lot of sellers know they’ll have to compromise a bit to get their house sold, which leaves you room to negotiate on price and terms.

Of course, exactly how much room you have depends on where you’re looking. But more and more markets are trending in favor of buyers, so let’s chat about what’s going on in our area.

Send a DM, and we’ll turn your negotiating power into a set of keys.

09/03/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.

09/02/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.

09/01/2026

Buying soon? You’ve got more pull than you might expect. Right now, there are more sellers than buyers on the market. And that means sellers know they’ll have to give a little to get their house sold. Exactly how much negotiating power you have depends on where you’re looking. So, let’s chat about how much power you have here, then turn it into a set of keys. 

08/31/2026

Affordability is definitely a challenge, but that doesn’t mean tapping your 401(k) is your only way in if you want to buy.

If you're considering using your 401(k) savings for a down payment, weigh all your options and talk with a trusted financial advisor before you make any decisions. They’ll help you make a plan to fit your goals and your budget.

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.

08/29/2026

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

08/28/2026

🏡 Thinking about buying or selling a home or land in Northeast Tennessee?

Jay Cottrell - Real Estate Agent with lpt Realty, helps buyers and sellers across the Tri-Cities navigate real estate with local market knowledge, clear communication, and personalized guidance.

Whether you are looking for a home, selling property, or exploring land opportunities, Jay can help you take the next step with confidence.

Learn More:
👉 https://incredibletowns.com/directory/jay-cottrell-realtor-lpt-realty/

Jay Cottrell, Realtor with lpt realty | Northeast Tennessee Real Estate Expert   Jay Cottrell, Realtor with lpt realty, is a trusted real estate professional in Johnson City, Tennessee, proudly serving the Tri-Cities region of Northeast TN. Specializing in residential homes, land, buying, and selli...

08/28/2026

🏡 Real estate isn’t one-size-fits-all—and your service shouldn’t be either.

Whether you’re buying your first home, preparing to sell, relocating, or exploring your next investment, Jay Cottrell - Real Estate Agent takes the time to understand your goals, priorities, and unique situation before creating a strategy designed for you. 🤝

With Jay, personalized service means:

✅ Clear, consistent communication
✅ Honest answers and thoughtful guidance
✅ Local Tri-Cities market knowledge
✅ Attention to the details that matter to you
✅ Strong advocacy from the first conversation through closing

Buying or selling a home is a major decision. Having a dedicated Realtor by your side can make the experience feel clearer, more manageable, and more personal. 🔑

📞 Call Jay Cottrell at (423) 302-0862 to start the conversation.

👉 Learn more and connect with Jay through Incredible Towns:
https://incredibletowns.com/directory/jay-cottrell-realtor-lpt-realty/

08/28/2026

Ready to make a move?

If real estate is on your mind, Jay Cottrell - Real Estate Agent can help you explore your options and take the next step with confidence.

📞 Call or text: (423) 302-0862
🌐 https://www.tricities.homes

Jay Cottrell, Realtor | LPT Realty