Experience Pensacola Finest Real Estate

About

REALTOR®

Property Search
Connect with Marnie

Welcome Home - Pensacola Luxury Real Estate Guide

Realtor® | Lic #SL3490728

Buyers

Sellers

Our Promise to You

At our core, we believe real estate is more than just transactions – it’s about finding your perfect home and building your financial future. We are committed to understanding your unique needs and delivering exceptional, personalized service. With our team, you can expect:

  • Guidance at every step of the process
  • Personalized care and attention to detail
  • Expert negotiation for successful outcomes
  • Access to insightful investment opportunities
  • Decades of experience and industry knowledge
  • Unmatched customer service and clear communication

discover Pensacola Living at Its Finest

Discover Pensacola most luxurious homes through our handpicked collection of featured properties. Each residence highlights impeccable design, sought-after locations, and exclusive amenities—offering a true taste of upscale living. Explore these exceptional homes and uncover the one that fits your lifestyle perfectly.

Marnie Lowery

REALTOR®

850-232-2034

marnielowery@smart.realestate

Connect

Marnie Lowery, REALTOR®

Pensacola Area Specialist | Trusted Guide in Florida Gulf Coast Real Estate

With deep roots in the vibrant Pensacola community, Marnie Lowery is more than just a REALTOR®—she’s a trusted local advisor, a skilled negotiator, and a tireless advocate for her clients’ success. Specializing in residential real estate across the Pensacola area, Marnie combines market expertise with a warm, people-first approach that makes every buyer or seller feel confident and cared for.

Your Vision, Her Mission

Every client’s journey is unique—and Marnie embraces that. She takes the time to understand your goals, priorities, and lifestyle so she can deliver solutions that are tailor-made. Whether it’s helping first-time buyers find a place to call home or guiding seasoned sellers through a strategic listing process, Marnie’s meticulous attention to detail ensures nothing is overlooked.

Results-Driven. Relationship-Focused.

Marnie is known for her exceptional responsiveness, proactive communication, and results that speak for themselves. She leverages innovative marketing strategies, local insight, and a network of trusted professionals to make transactions smooth and successful. Her calm demeanor and resourceful problem-solving turn even complex challenges into manageable steps forward.

Why Clients Love Working With Marnie

  • Deep local market knowledge

  • Personalized service and strategic guidance

  • High-touch communication and follow-through

  • Integrity, professionalism, and commitment at every stage

Let’s Make Your Move Happen

Whether you’re buying your dream home, investing in the Gulf Coast, or preparing to sell, Marnie Lowery is ready to go to work for you. Her mission? Making your real estate experience seamless, enjoyable, and above all—successful.

📞 Reach out today and discover how easy it can be to move forward with confidence.

Get Your Free SMART Home Buyer's Guide

Download

Buying a home is one of the most exciting milestones in life. To help you navigate this significant journey, our step-by-step SMART buyer’s guide will reduce stress and make the process enjoyable. We’re here to assist you every step of the way!

Research 

Before diving into homebuying, it’s crucial to do your research. Do you know the neighborhood you want to live in? Are you set on a condo, townhome, or single-family home? What features are must-haves and which ones can you live without? Start exploring the current market and pay attention to asking prices. This research will provide valuable insights into housing trends and help you make informed decisions when the time comes to place an offer.

Get Pre-Approved

Getting pre-approved for a mortgage is a critical step in the home buying process. It not only helps you understand your budget but also makes you a more attractive buyer to sellers. We specialize in guiding first-time buyers, whether you’re looking for more space, downsizing, or expanding your investment portfolio. Let us assist you in securing a pre-approval so you can confidently move forward in your home search.

Find the Right Home

This is where the excitement begins! Finding the right home should be an enjoyable experience. We’ll guide you through viewing homes and understanding their features. Take notes on what you like and dislike about each property. Test the functionality of doors and windows, check water pressure, and inspect under the house if possible. Don’t forget to explore the neighborhood, observe traffic patterns, evaluate parking, and consider proximity to schools and grocery stores.

Due Diligence

Once you find a home you’re seriously interested in, it’s time to dive into the details. We’ll help you review disclosures and reports to understand the home’s condition and identify immediate and future needs. Considering the age of homes in our area, some maintenance will always be necessary. We’ll also evaluate recent comparable sales to establish a value range based on the current market, ensuring you make a well-informed decision.

Make an Offer

After your offer is accepted, we’ll submit a ratified contract to the escrow company to initiate the next phase. As a buyer, you’ll deposit funds into escrow, work with your lender for an appraisal if needed, choose insurance, decide how to hold the title, and sign necessary transfer documents.

Sellers will provide loan payoff details if applicable and sign their documents. We’ll keep you informed of all important dates to ensure a smooth process.

Congratulations!

Once the final paperwork is signed, you’re almost a homeowner! It may take a few days for your loan to be funded, but once the seller receives the check, you’ll get the keys to your new home. Congratulations on becoming a new homeowner!

Get Your Free SMART Home Selling Guide

Download
Let Marnie Lowery guide you through the home selling process with deep expertise in the San Diego luxury real estate market. This approach goes beyond typical transactions, turning your property aspirations into successful outcomes.

Partnering With Marnie Lowery

Joining forces with your SMART agent brings the benefit of her extensive experience and impressive sales history.  Deep market insights help strategically position your home, making it stand out, and a comprehensive online marketing strategy, significantly boost your property’s visibility and attractiveness, ensuring it reaches the right buyers effectively.

Priming Your Home for the Market

Preparing your home for sale involves creating a customized marketing plan highlighting its unique qualities. By analyzing recent sales data, we ensure your home is competitively priced, by identifying key enhancements to improve your home’s appeal and coordinating with professionals for necessary updates. Staging services are enlisted to maximize attractiveness, while strategic renovations can offer substantial returns. All required inspections and disclosures are managed meticulously to present your home transparently and attractively.

Crafting Your Marketing Campaign

Developing an effective marketing campaign starts with showcasing your home through high-quality photography. The best images are selected to create an engaging virtual tour, and your listing is prominently featured on leading real estate websites. A visually appealing brochure is designed and distributed to highlight your property’s features. Local agents and potential buyers are informed effectively, and signage and lockboxes are used to facilitate viewings in compliance with local guidelines.

Showtime - Welcoming Prospective Buyers

Once you find a home you’re seriously interested in, it’s time to dive into the details. We’ll help you review disclosures and reports to understand the home’s condition and identify immediate and future needs. Considering the age of homes in our area, some maintenance will always be necessary. We’ll also evaluate recent comparable sales to establish a value range based on the current market, ensuring you make a well-informed decision.

Navigating Offers

When offers start coming in, Andy carefully verifies buyer qualifications and financial readiness to focus on serious prospects. Each offer is reviewed for its terms, and Andy negotiates to secure the best deal for you.  By encouraging competitive bidding, maximizing your advantage, and finalizing agreements with legally binding signatures to ensure a smooth transaction.

Sustaining the Transaction

Maintaining transaction momentum involves initiating escrow and understanding the process thoroughly. All necessary paperwork is completed, and preparations for buyer inspections are made. Repair requests are addressed thoughtfully, and contingencies are removed promptly to keep the deal moving forward towards closing.

Finalizing Your Sale

The finalization of your sale includes coordinating any required repairs and completing the final paperwork. Your home is prepared for the handover in excellent condition, and a final walkthrough with the buyers confirms their satisfaction. The key transfer is managed smoothly, and you receive your proceeds through the chosen method, marking the successful completion of the sale.

By adhering to these strategies, the SMART team ensures a streamlined, effective, and rewarding home-selling experience, delivering outstanding results for their clients.

Transform Your Real Estate Dreams into Reality with Marnie Lowery, REALTOR®

Whether you’re buying, selling, or investing in Pensacola luxury real estate, connect with Marnie Lowery.
With unmatched dedication and deep expertise in Pensacola market, Marnie Lowery is committed to turning your real estate goals into reality. Reach out today to experience personalized service and expert guidance every step of the way.

Useful Links

Connect with Marnie

© 2025 

Marnie Lowery

Marnie Lowery

REALTOR®

850-232-2034

marnielowery@smart.realestate

Connect With Marnie

Fill out the form below to download your free guide and take the first step toward your dream home!

Fill out the form below to download your free guide and take the first step toward selling your home