Texas Key Real Estate

What Higher Mortgage Rates Mean for Home Sellers

Higher mortgage rates are making buyers more cost-conscious. Builders know that, and many are responding with reduced rate, closing-cost help, price reductions, and other incentives.
If you're thinking about selling, let's look at what buyers are getting from other homes in our area – including new construction – and make sure your house is positioned to compete.

What Higher Mortgage Rates Mean for Home Sellers Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.

Whether you're bracing for a crash or hoping for one, the verdict is the same – prices are still expected to rise, not fall. Let's talk about what that means for your market and your plans.

Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In. Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Headlines and social media make today’s rates sound high. But you have to remember, the rate you’re seeing online and your actual rate could be different. The only way to know what your rate could be is to talk to a trusted lender.

With the right help, you can find out what your real rate is – and where it can take you.

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get. You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

Why So Many Sellers Are Cutting Their Price Right Now

Price cuts are a normal part of today’s housing market, and both buyers and sellers can use them to their advantage. Let's look at what's actually happening with prices in your neighborhood, so you know exactly where you stand before you list or make an offer.

Why So Many Sellers Are Cutting Their Price Right Now Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Four different housing markets are running at once: cash buyers, financed buyers, locked-in owners, and builders. Each one plays by its own rules, and the right move for one is exactly the wrong move for another.

Let's figure out which one you're actually in and build your next move from there.

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In? Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell.

🍂 After a good summer fling, it’s time to fall in love with a new home. 🏡❤️

Whether you’re ready to buy, sell, build new, lease, or find the perfect apartment, I’m here to help make your next move feel a little easier.

✔️ Buying
✔️ Selling
✔️ New Construction
✔️ Leasing
✔️ Apartment Locating

Ready to make a move this fall? Let’s talk! 🍁

📩 DM me to get started.

📍 Allen • McKinney • Frisco & Surrounding Areas

“Let’s Get Moving!” 💙

Serving Allen & Surrounding Areas in Collin County, Texas

Equal Housing Opportunity

3 Things You Can Actually Control About Your Mortgage Rate Right Now

You can't control where mortgage rates go, but you can control your credit, your loan, and the kind of home you buy. Working with a trusted lender can help you lock in the best rate you qualify for. And when you’re ready to make a move that fits your budget, let’s connect.

3 Things You Can Actually Control About Your Mortgage Rate Right Now If you're trying to buy a home, affordability is probably what keeps you up at night.

Big news for renters and first-time buyers: your on-time rent payments could now help you qualify for a mortgage. 👇

Here’s what’s happening — mortgage lenders just got the green light to use a new credit scoring model, VantageScore 4.0, for all Fannie Mae and Freddie Mac–backed loans. Unlike the older model, it factors in rent, utility, and phone bill payment history, not just credit cards and loans.

Swipe through for what it actually means 👉

If you’ve been paying rent and bills on time but don’t have a long traditional credit history, this works in your favor. FHA is set to accept it too, starting January 1, 2027.

To be clear: lenders can still use Classic FICO if they choose — this just gives more borrowers a shot at being seen accurately.

Not sure how this affects your homebuying timeline? Let’s talk through what lenders will actually see when they pull your file.

DM me “SCORE” or drop a comment below. 👇

Lisa Linford, Broker
Equal Housing Opportunity

📍Allen • McKinney • Frisco & Surrounding Areas

Source: MetroTex, “VantageScore 4.0 Now Available to More Mortgage Lenders” September 2026.