•  Solar Panels – A Cautionary Tale from the Central Texas Market ,Albert Chen

    Solar Panels – A Cautionary Tale from the Central Texas Market

    As a seasoned Central Texas realtor who's helped sell nearly 10 homes with solar panels, here’s the honest truth I’ve yet to see solar panels add actual value to the resale of a home in our area. Between wind, hail, and insurance claims, solar can complicate roof replacements—you'll need a licensed

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  •  What a Fed Rate Cut Could Mean for Mortgage Rates,Albert Chen

    What a Fed Rate Cut Could Mean for Mortgage Rates

    Right now, all eyes are on the Federal Reserve. Economists widely expect a few rate cuts before the end of 2025, but here’s what you need to know if you’re watching the housing market   The Federal Funds Rate = the short-term interest rate banks charge each other. It impacts borrowing costs but isn’

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  •  Thinking About Buying a Home? Start Here FIRST! ,Albert Chen

    Thinking About Buying a Home? Start Here FIRST!

    Before you fall in love with a house, you need to get pre-approved for a mortgage — and here's why it matters: What is Pre-Approval?It’s when a lender checks your finances to determine how much you can borrow  What Can Impact It?Debt-to-income ratioEmployment & incomeCredit scorePayment history Why

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