Most people my age assume they can't buy yet. A lot of them are wrong, and they find out two years and $50,000 in rent later.
It takes one conversation to know which one you are.
You do not need a lender, a down payment, or a plan to start. Text me what you make and what you owe and I will tell you straight whether buying makes sense this year or whether you should wait. If the answer is wait, I will say wait.
Conventional loans go to 3% down. FHA is 3.5%. Texas has down payment assistance programs most first-time buyers never hear about. The number you have in your head is probably four times too high.
At $2,000+ a month in rent, in towns like Providence Village, Sanger and Anna, the payment math flips more often than people expect. I will build you the real comparison, taxes and insurance and HOA included, not the version that ignores them.
Resale is at six months of supply. A third of listings are cutting price. Builders are buying down rates. You can inspect, ask for repairs, ask for closing costs, and still close. Buyers three years ago could not do any of that.
Option fee, earnest money, inspection, appraisal, survey, insurance, first-year taxes. Nobody sends first-time buyers this list up front. I do, before you get emotionally attached to anything.
Not a portal that sells your info to five agents and shows you houses that sold in March. This is a direct MLS feed — live listings, accurate status, new ones the moment they hit. Free, and I don't get pinged every time you look at something.
Access code
Tap any of these and your phone opens a message already written. Change it, delete it, send it as is — whatever. I answer texts faster than anything else, usually within a few minutes.
Or call (214) 687-7193 · book a time · email
No pressure, no drip campaign, no getting handed off. Tell me what you're trying to do and I'll tell you honestly whether now is the time.
BRANDON KIRK
3010 AURORA MIST DR LITTLE ELM, TX 75068