Emily Rubin is a REALTOR with Home.Heart.Community. at Keller Williams Real Estate, licensed in both Pennsylvania and New Jersey. She is a Northeast Philly native who spends most of her time getting first-time buyers out of rentals and into something of their own.
Before real estate I managed a Wawa. Deli side. You have got to have a Wawa.
I moved on from there, started in real estate, and never looked back. My whole focus now is helping first-time buyers get into their first home with as little out of pocket as I can possibly manage. A lot of people assume they need twenty percent down and years of saving. Most of the time that is not true, and nobody has ever sat them down and shown them the actual numbers.
I grew up in Northeast Philadelphia and I still work it. When I am not showing houses or writing offers you will find me at home with my furbaby Sylvie, or out trying a restaurant somewhere in the city I have not been to yet.
Most buyers fixate on the sale price. The number that actually decides whether you can do this is what you need at the table on closing day, and that is the number I work hardest on.
I have put a client into a fully remodeled house for four thousand dollars out of pocket, with a monthly payment lower than the rent she was already paying. She spent less to buy a house than she would have spent to move into another apartment. That is not a trick, it is knowing which programs exist and how to stack them.
Being licensed in both Pennsylvania and New Jersey helps too. If your search ends up crossing the bridge, you do not have to start over with somebody new.
A completely remodeled home, and my client got into it for four thousand dollars out of pocket. Her monthly payment came in under what she had been paying in rent. The hard part was not the financing, it was finding the right house for her.
A fully updated single family with a new roof, newer windows and newer HVAC. It appraised twenty thousand over what we paid. The hard part was finding a forever home in that area under five hundred thousand, and we did it.
“She patiently showed us houses while we figured out what we were actually looking for, and her advice and experience helped us negotiate and win our bid. After we closed she kept being a resource for us. After thirty years at one residence, we are looking forward to our new life in our new home.”
“My husband and I were so defeated by the housing market for years. We worked with Emily for about three months and landed the home of our dreams. She is knowledgeable, supportive, and always flexed her schedule to accommodate ours.”
Northeast Philadelphia first, then across the city and up into Lower Bucks.
She works best with first-time buyers, and she is licensed in Pennsylvania and New Jersey.
This goes straight to her, not to the general inbox. Even if you are just thinking out loud.
Or reach her directly at (267) 312-0064
erubin@kw.com