Real Estate • December 12, 2025

Your Equity Could Change Everything About Your Next Move

by Twila Bertrand

Your Equity Could Change Everything About Your Next Move

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Thursday December 11th, 2025

Article from Keeping Current Matters

A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise…

For many homeowners, the answer is a strong yes.

Why? Because of one major factor working in your favor: your equity. Odds are, if you’ve lived in your home for a while, you know you have significant equity. But how much are we really talking about? The number might just change everything about your next move.

The Hidden Wealth of Homeownership

Here’s how it works. When you own a home, you build up something called equity.

Each time you make a mortgage payment, you’re chipping away at your loan balance. And that helps your ownership stake in your home grow. At the same time, home values typically rise – which drives up the overall value of your home.

When you put those two things together, you’re building wealth automatically, month after month, year after year.

And that combo can add up to real dollars that can make a real difference in your move. That’s especially true if you’ve lived in your house for a while, which many homeowners have. According to Realtor.com:

“Nearly half (45.2%) of today’s homeowners have lived in their home for more than 15 years, and 1 in 4 for over 25 years.”

If that’s you, just imagine what 15-25 years of payments + steady appreciation have done to your bottom line. It’s time you see how your equity stacks up over time.

What That Really Means in Dollars

This chart uses research coming out of Realtor.com to show an estimate of how much equity homeowners have built up depending on when they bought. For each time frame, it takes the median-priced home and uses it as the baseline example. The numbers are shocking, too. According to the study, if you bought the average-priced home in…

The mid-90s? You could be sitting on over $400,000 in equity now.
The early 2000s? You could have over $330,000, even with owning during the housing crash.
In 2015? Even in that shorter 10-year time frame, many homeowners have already built nearly $285,000 in equity.

Of course, your actual number is going to vary based on the purchase price, any work you’ve done to the house, the size of your original down payment, and more. The point is…

A lot of homeowners are sitting on hundreds of thousands of dollars in equity without even realizing it.

Your Equity Could Power Your Next Move

Here’s where this becomes really important. That equity can offset nearly every concern you have about moving right now.

Worried about taking on a higher mortgage rate? Your equity could cover a significant down payment. And the more money you put down, the less you need to finance at today’s rates.
Unsure if you can compete in today’s market? Thanks to your equity, you may be able to buy your next house in cash. And an all-cash offer is something that’s going to appeal to a lot of sellers because they don’t have to worry about their buyer’s financing falling through at the last second.

Bottom Line

If you haven’t had someone help you understand the value of your home this year, now’s the perfect time to take another look. It doesn’t mean you have to sell. But it does mean you’ll at least know what you could be working with – and how far that number can take you.

If you want a custom professional equity assessment, let’s connect.

Twila Bertrand, REALTOR®
CENTURY 21 Cota Realty | Lufkin, TX

Twila Bertrand is a top-producing REALTOR® with CENTURY 21 Cota Realty and a trusted real estate expert serving Lufkin, Angelina County, and surrounding East Texas communities. Known for her strong market knowledge, honest guidance, and results-driven approach, Twila helps buyers find the right home and sellers maximize their home’s value in today’s market.

Whether you’re searching for the best Realtor in Lufkin, need a detailed market analysis, or want expert guidance when buying or selling a home in Angelina County, Twila is committed to making the process smooth, informed, and successful from start to finish. Twila was awarded the Lufkin Association of Realtors, Best Realtor of the Year Award in 2024 and Awarded the CENTURY 21 Cota Realty Diamond Award in 2025 for overall sales.

📍 Serving Lufkin, Huntington, Diboll, Central, Hudson & surrounding East Texas areas
🌐 https://twilabertrand.sites.c21.home

Click the link below for my Zillow website with many of my previous client testimonials:

https://www.zillow.com/profile/Twila%20Bertrand

Real Estate • December 1, 2025

How To Find the Best Deal Possible on a Home Right Now

by Twila Bertrand

How To Find the Best Deal Possible on a Home Right Now

Monday December 1st, 2025

For Buyers,First-Time Buyers,Buying Tips

Article from Keeping Current Matters

Want to know how to find the best deal possible in today’s housing market? Here’s the secret. Focus on homes that have been sitting on the market for a while.

Because when a listing lingers, sellers tend to get more realistic – and, more willing to negotiate. And that’s where the savviest buyers are finding homes other buyers overlook.

The Opportunity: 1 in 5 Homes Has Had a Price Cut This Year

According to Realtor.com, about 1 in every 5 listings (20.2%) have dropped their asking price at least once. And while so many things in today’s housing market vary by region, that number is consistent throughout the country. That tells you one thing…

No matter where you live, there’s a chance to score a better deal. You just need to know where to look. And that’s where your agent comes in.

The Tactic: Target Homes That Have Been Sitting the Longest

Your agent can help you identify which homes have been on the market the longest. Those are the ones where you’re more likely to get a discount. That’s because the seller may be getting frustrated their house hasn’t sold yet, so they’re more willing to play ball.

And since a lot of buyers steer clear of homes that aren’t selling, you may be the only offer they get. So, you can lean in and push for a better deal. As Realtor.com explains:

“Less competition means fewer bidding wars and more power to negotiate the extras that add up: closing cost credits, home warranties, even repair concessions . . . these concessions can end up knocking thousands of dollars off the price of a home.”

And they’re not the only ones calling out the opportunity you have right now. Bankrate also says:

“During the quieter fall and winter months, when fewer prospective buyers are shopping, home sellers may be more willing to lower their prices, or offer concessions, to attract those prospective buyers who are still looking.”

And the proof is in the data. The National Association of Realtors (NAR) shows a clear pattern: the longer a home stays on the market, the lower it tends to sell for compared to the original asking price.

So, if you’re serious about getting as much as you can for your money, focusing on these listings could be your best strategy yet.

Even a Small Discount Can Go a Long Way

And while paying 94% of the original asking price may not sound like much of a deal, the savings add up. That’s roughly $24,000 in savings on the median priced home (see chart below):

Zillow sums it up best:

“If you’re a buyer who is hoping to strike a deal, look for homes that have been on the market for a while and that may already have lowered prices to entice buyers. You may find a motivated seller who is more willing to negotiate.”

Bottom Line

If you want to find the best deal possible on a home right now, start by looking where others aren’t.

With 1 in 5 sellers cutting prices and many growing more flexible by the week, the homes that have been sitting a little longer could be your best opportunity to save.

Let’s talk about where to find them in our area.

🔑 Twila Bertrand, REALTOR® – CENTURY 21 Cota Realty
Your Trusted, Experienced, and Top-Rated Real Estate Agent in Lufkin & Angelina County

Helping buyers and sellers across Lufkin, Hudson, Huntington, Diboll, Pollok, and all surrounding East Texas communities. If you’re searching for the Best Realtor in Lufkin, TX or need expert guidance in today’s market, I’m here to help you make confident, informed real estate decisions.

📲 Call/Text: 936-635-4311
🌐 Website: https://twilabertrand.sites.c21.homes/
🏡 CENTURY 21 Cota Realty – Lufkin, Texas

Check out many of my client testimonials on my Zillow website below as well!

https://www.zillow.com/profile/Twila%20Bertrand

Real Estate • November 14, 2025

Would You Let $80 a Month Hold You Back from Buying a Home?

by Twila Bertrand

Would You Let $80 a Month Hold You Back from Buying a Home?

Thursday November 13th, 2025

For Buyers,First-Time Buyers

Mortgage Rates

Affordability

Forecasts

Article from Keeping Current Matters

…

A lot of buyers are stuck in “wait and see” mode right now. They’re watching rates hover a little above 6% and thinking, I’ll buy once they hit the 5s. Because who doesn’t want a better rate?

But here’s the thing: that 5.99% number might not save you as much as you think.

Affordability is still a challenge. There’s no question about that. But the market has given savvy buyers a head start. Mortgage rates have already come down over the past few months. And the drop we’ve seen saves you more than you’d think.

How Much You’ve Already Saved, Without Realizing It

Let’s put some real numbers to it. Rates peaked for the year in May when they inched above 7%. But since then, they’ve been slowly declining. Now, they’re sitting in the low 6s. And while that may not sound like a big deal, that change translates to real dollars.

According to data coming out of Redfin, the typical monthly payment on a $400,000 home is already down almost $400 since May.

That means if you’re buying a home now, you’re saving hundreds of dollars every month compared to what you would have been able to get earlier this spring. That’s real money that makes a real difference for buyers who paused their plans because they thought homeownership was out of reach.

And while it may be tempting to wait even longer to see bigger savings, that’s a gamble that could cost you. Here’s why.

Where Experts Say Rates Are Headed

For starters, most experts say mortgage rates are likely to stay pretty much where we are today throughout 2026. So, there’s no guarantee we’ll see a rate much lower than what we have now. Only one expert forecaster is saying rates could fall into the upper 5s next year (see graph below):

And even if rates do dip below 6%, the extra savings you’re holding out for won’t move the needle as much as you might expect.

The Real Math Behind a 5.99% Rate

Let’s break it down. If rates come down to 5.99% from where they’ve been lately that’s a difference of only about $80 a month on an average priced home – give or take a bit based on your price point and the rate your lender quotes you (see chart below):

Eighty dollars. That’s it. And for the typical family, that’s about one dinner out (or one dinner in, if you have it delivered). That’s not enough to change the game for most buyers. But the savings of nearly $400 we already have compared to when you paused your search in the spring? That might be.

So, the question to ask yourself is this:

Is an extra $80 savings really worth the wait?

Because while you’re holding out for that small dip, the bigger opportunity might be slipping away.

When Rates Fall, Competition Follows

Right now, you have more homes to choose from, sellers who are ready to negotiate to get a deal done, and fewer buyers to compete with. But once rates fall below 6%, buyer mindsets will shift and all of that will change.

The National Association of Realtors (NAR) reports that if rates hit 6%, about 5.5 million more households will be able to afford the median-priced home. Even if only a small fraction of them decide to buy, that could mean hundreds of thousands of buyers getting back into the market.

That creates more competition for you, which would push home prices even higher – maybe high enough to cancel out the extra savings you waited for.

So, if you’re waiting for rates below 6%, just keep in mind… that extra $80 may not be worth it in the grand scheme of things.

Bottom Line

You don’t have to wait for 5.99%. You have the chance to move (and save) right now. So, ask yourself: Would you let $80 hold you back from buying a home?

If you find a home you love and the math makes sense, getting ahead may be the best strategy. Let’s run your numbers so you can see what you’re working with in our market.

Twila Bertrand
REALTOR® | CENTURY 21 Cota Realty
Proudly serving Lufkin, Huntington, Diboll, Hudson, Central, Pollok, and all of Angelina County

📞 Call/Text: 936-208-7631
📧 Email: twilabertrand@gmail.com

https://twilabertrand.sites.c21.homes/

If you’re looking for the best and most experienced real estate agent in Lufkin, TX, I would love to help you buy or sell your home. With extensive knowledge of the Lufkin real estate market, proven results, and a passion for serving families, I’m committed to delivering exceptional service and smooth, stress-free transactions.

Your trusted local expert for buying, selling, and investing in East Texas real estate.

Real Estate • November 10, 2025

The VA Home Loan Advantage: What Every Veteran Should Know Right Now

by Twila Bertrand

The VA Home Loan Advantage: What Every Veteran Should Know Right Now

Monday November 10th, 2025

Article from Keeping Current Matters

For Buyers,Buying Tips

If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment.

Unfortunately, 70% of Veterans (that’s 7 out of every 10) don’t know about this benefit, according to Veterans United.

And that’s a big missed opportunity for those who’ve earned this benefit through service. So, let’s break down what you really need to know about Veterans Affairs (VA) home loans right now.

Why VA Home Loans Can Be a Great Option

For nearly 80 years, VA loans have made homeownership possible for millions of Veterans and active-duty service members. Here are just a few of the top perks according to the Department of Veteran Affairs:

Options for $0 Down Payment: Many Veterans can buy a home without spending years saving up.
Fewer Upfront Costs: The VA limits which types of closing costs Veterans have to pay, helping you keep more cash on hand when you’re finalizing your purchase.
No Private Mortgage Insurance (PMI): Unlike many other loan types, VA loans don’t require PMI, lowering your monthly costs.

These features make VA loans a great way for service members (or their family) to build stability, save money, and start creating long-term wealth through homeownership.

Can You Still Get a VA Loan with the Government Shutdown?

But lately, there’s been some confusion about whether VA loans are still available due to the government shutdown. And that uncertainty has kept some Veterans from taking the next step.

While there may be processing delays, Veterans United explains you can still get a loan:

“There’s been a lot of confusion and uncertainty about how a government shutdown will affect VA home loans . . . The good news is that the shutdown has minimal impacts on VA lending. Lenders are still able to order appraisals, obtain a borrower’s Certificate of Eligibility, submit the VA Funding Fee and more. In short, Veterans are still able to use their home loan benefit to buy a home or refinance an existing mortgage.”

So, despite the headlines, you can still use your VA home loan benefits today. The process is ready when you are. It just may take more time to go through.

Why the Right Agent and Lender Matter

Just remember, using your VA home loan is easier (and smoother) when you have the right team behind you. As VA News puts it:

“Choosing a military-friendly broker or agent who understands the VA home loan application process can make all the difference in the homebuying experience. Finding the right agency or brokerage is just as important as locking in a good VA mortgage lender. Communication is key to getting to the loan closing table.”

A knowledgeable agent and an experienced lender can help you navigate every step, all the way from qualifying to closing. With their help, you can make sure you’re getting the most out of your benefits.

Bottom Line

If you’re a Veteran, a VA home loan is one of the most valuable benefits you’ve earned through your service. It offers options for no down payment, limited closing costs, and more.

Want to learn more? Talk to a lender so you can take full advantage of the benefits you’ve earned.

Click the link below for my Zillow website with many of my client testimonials:

https://www.zillow.com/profile/Twila%20Bertrand

💼 Twila Bertrand, REALTOR®
Your Trusted Real Estate Expert in Lufkin, Texas 🏡
Helping families buy and sell homes across Lufkin, Diboll, Huntington, Nacogdoches and all over Angelina County.

✨ Known for Christian faith, integrity, local expertise, and a passion for helping clients find their perfect home.

📞 Call or Text: 936-208-7631
📧 Email: twilabertrand@gmail.com
🌐 Website: https://twilabertrand.sites.c21.homes/

🔍 Looking for the Best Realtor in Lufkin TX?Choose Twila Bertrand, your local real estate professional committed to excellence and faith-driven service in East Texas!
#BestRealtorInLufkin #LufkinRealEstateAgent #TexasHomes #LufkinTXRealEstate

Real Estate • October 27, 2025

Why Some Homes Sell Quickly – and Others Don’t Sell at All

by Twila Bertrand

Why Some Homes Sell Quickly – and Others Don’t Sell at All

Monday October 27th, 2025

For Sellers,Inventory,Agent Value,Selling Tips

Article from Keeping Current Matters

A few years ago, inventory hit a record low. Just about anything sold – and fast. But now, there are far more homes on the market. Listings are up almost 20% from this time last year. And in some areas, supply is even back to levels we last saw in 2017–2019. For sellers, that means one thing: Why Some Homes Sell Quickly – and Others Don’t Sell at All

Your house needs to stand out and grab attention from day one.

That’s especially true when you consider why the number of homes for sale is up. Here’s how it works. Available inventory is a mix of:

Active Listings: homes that have been sitting on the market, but haven’t sold yet
New Listings: homes that were just put on the market

Data from Realtor.com shows most of the inventory growth lately is actually from active listings that are staying on the market and taking longer to sell (see the graph below).

The blue bars show active listings. These are the homes that are sitting month to month and not selling. The green bars are new listings, the homes that were just put on the market. And it’s clear there are fewer new listings compared to how many are staying on the market unsold.

Since you don’t want your house to be one of the ones that take a long time to sell, let’s break down where things can go sideways and how to set yourself up to sell quickly.

Why Some Homes Sell and Others Sit

The secret to selling in today’s market is simple. Make sure your house is easy for buyers to say yes to as soon as it is listed.

Price it based on current conditions (not what your neighbor sold for 3 years ago). Make important repairs. And highlight the best things about your house. If you do that, it will sell in any market – sometimes even faster than you’d think. Because the truth is, homes that are priced right today are still selling.

It’s the homeowners who are clinging to outdated expectations that are seeing their house sit and their listing go stale. According to Redfin and HousingWire, here are some of the most common reasons sales stall out:

Priced it too high from the start
Skipped necessary repairs before listing
Didn’t stage the house well
Sellers won’t negotiate with buyers
Limited availability for showings
Ineffective marketing or listing pictures

Most of those things didn’t matter as much just a few years ago. When inventory was at a record low, sellers could skip the prep, name their price, and still walk away with multiple offers over their asking price.

But today’s market is different now that inventory has grown. And that means your approach needs to be different too.

You don’t want to try out old strategies and aim too high just to see what sticks. Your first few weeks on the market are everything. That’s when your listing gets the most attention – and when pricing or presentation mistakes hurt the most. Get it wrong up front and your house will sit…and sit. Get it right, and it’ll be snatched up before you know it.

The Right Agent Helps Your House Stand Out

Selling quickly isn’t about luck. It’s about knowing how to play to the market you’re in. And that’s where your agent comes in.

A great agent will analyze your local market, suggest a price based on the latest comparables sold in your neighborhood, and create a marketing plan that makes buyers pay attention from day one. They’ll also walk you through any repairs you need to make or whether you need to bring in a staging company. As the National Association of Realtors (NAR) explains:

“Home sellers without an agent are nearly twice as likely to say they didn’t accept an offer for at least three months; 53% of sellers who used an agent say they accepted an offer within a month of listing their home.”

That’s the power of getting it right (and getting expert help) from the start.

Bottom Line

There are more homes for sale today than there were even just a year ago, but that doesn’t have to work against you.

When your house is priced right, shows well, and is marketed effectively, it will sell. Let’s connect if you want to know how to make that happen in our market this fall.

🏡 Twila Bertrand, REALTOR®
CENTURY 21 Cota Realty — Helping East Texas Families Find Home
📍 Serving Lufkin, Hudson, Huntington, and all of Angelina County, Texas
📞 Call/Text: (936) 208-7631
📧 Email: twilabertrand@gmail.com
🌐 Website: https://twilabertrand.sites.c21.homes/

🌐 Zillow Website: https://www.zillow.com/profile/Twila%20Bertrand
💛 Faith • Family • Homes — Where Every decision is made with prayer!

If you’re searching for the Best Realtor in Lufkin TX, or need the Best Real Estate Agent in East Texas, I’d love to help you buy or sell your home. I’m proud to serve families throughout Lufkin, Hudson, Huntington, and all over Angelina County, providing trusted real estate guidance and dedicated service backed by CENTURY 21 Cota Realty.

Real Estate • October 23, 2025

Planning To Sell in 2026? Start the Prep Now

by Twila Bertrand

Planning To Sell in 2026? Start the Prep Now

Wednesday October 22nd, 2025

For Sellers,Selling Tips

Article from Keeping Current Matters

You’ve got big plans for 2026. But what you do this year could be the difference between a smooth sale and a stressful one. If you’re thinking of selling next spring (the busiest season in real estate), the smartest move you can make is to start prepping now. As Realtor.com says:

“If you’re aiming to sell in 2026, now is the time to start preparing, especially if you want to maximize the spring market’s higher buyer activity.”

Because the reality is, from small repairs to touch-ups and decluttering, the earlier you start, the easier it’ll be when you’re ready to list. And, the better your house will look when it’s time for it to hit the market.

Why Starting Now Matters

Talk to any good agent and they’ll tell you that you can’t afford to skip repairs in today’s market. There are more homes for sale right now than there have been in years. And since buyers have more to choose from, your house is going to need to look its best to stand out and get the attention it deserves.

Now, that doesn’t mean you have to do a full-on renovation. But it does mean you’ll want to tackle some projects before you sell. Your house will sell if it’s prepped right. And you don’t want to be left scrambling in the spring to get the work done.

Because here’s the advantage you have now. If you start this year, you’ll be able to space those upgrades and fixes out however you want to. More time. Less stress. No sense of being rushed or racing the clock.

Whether it’s fixing that leaky faucet, repainting your front door, or finally replacing your roof, you can do it right if you start now. And you have the time to find great contractors without blowing your budget or paying extra for rushed jobs.

Get an Agent’s Advice Early

To figure out what’s worth doing and what’s not in your market, you need to talk to a local agent early. That way you’re not wasting your time or money on something that won’t help your bottom line. As Realtor.com explains:

“Respondents overwhelmingly agree that both buyers and sellers enjoy a smoother, more successful experience when they start early. In fact, a recent survey reveals that, for sellers, bringing a real estate agent into the process sooner can pay off significantly.”

A skilled agent can tell you:

What buyers in your local area are looking for
The repairs or updates you need to do before you list
How to prioritize the projects, if you can’t do them all
Skilled local contractors who can help you get the work done

And having that information up front is a game changer.

To give you a rough idea of what may come up in that conversation, here are the most common updates agents are recommending today, according to research from the National Association of Realtors (NAR):

Just remember, what’s worth updating really depends on the homes you’re competing with in your market. Some areas don’t have a ton of inventory, so little updates may be all you need to tackle. In other areas, there are far more homes for sale, so you may need to do a bit more to make your house stand out.

Your agent will walk you through what you need to do for your specific house and market. And that’s expertise that’ll really pay off.

Bottom Line

If your plan is to sell in 2026, it’s time to get serious. Taking some time to prep means you’ll hit the market confident, ready, and ahead of other sellers who waited until January to get started.

Want to know which projects are getting the biggest return on their investment in our market? Let’s connect so you can head into next spring with a solid game plan.

Your agent will walk you through what you need to do for your specific house and market. And that’s expertise that’ll really pay off.

Bottom Line

Want to know which projects are getting the biggest return on their investment in our market? Let’s connect so you can head into next spring with a solid game plan.

📍 Twila Bertrand – REALTOR® | CENTURY 21 Cota Realty
Serving Lufkin, Texas and surrounding East Texas communities with honesty, dedication, and results.
Whether you’re buying your first home, selling your property, or just exploring your options, I’m here to help make every step smooth and successful.

✨ Looking for the Best Realtor in Lufkin, TX?
Call or text Twila Bertrand today to see why clients trust me to deliver exceptional service and results!

A link to many of my previous client testimonials on my Zillow website is below:

https://www.zillow.com/profile/Twila%20Bertrand

📞 Direct Cell: 936-208-7631
📧 Direct Email: twilabertrand@gmail.com

🌐 https://twilabertrand.sites.c21.homes/

🏡 Helping families reach milestones and find their way home in Lufkin, Texas.

Real Estate • October 20, 2025

Is the Housing Market Going To Crash? Here’s What Experts Say

by Twila Bertrand

Is the Housing Market Going To Crash? Here’s What Experts Say

Monday October 20th, 2025

For Buyers,For Sellers,Home Prices,Economy,Forecasts

Article from Keeping Current Matters

If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth.

The data doesn’t point to a crash. It points to slow, continued growth.

And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small, short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years.

The Real Story Is in the Expert Forecasts

In the Home Price Expectations Survey (HPES) from Fannie Mae, each quarter over 100 leading housing market experts weigh in on where they project home prices will go from here. And in the report that was just released, the experts agree prices are projected to climb nationally through at least 2029 (see graph below):

Here’s how to read this visual. Each bar in that graph shows an increase, not a loss. It’s just that the anticipated pace of that appreciation varies year-to-year.

And to further drive this home, let’s look at another view of where prices are and where they’re expected to go. In this version, the expert forecasts are broken into 3 categories: the overall average, the most optimistic projections, and the most pessimistic projections (see chart below):

Notice how even the most pessimistic forecasters say we’ll see prices rise by almost 5% over the next few years.

Overall, prices are expected to rise about 15% from now through the end of 2029.
The optimists say we’ll beat that and see a roughly 26% increase.
And even the pessimists anticipate prices will go up by 5% during that period.

What sticks out the most? None of these groups who study the market are forecasting a crash, or even a decline, over the next 5 years.

How This Compares to “Normal” for the Market

Now, focus back on the first graph. The projections call for 2-3.5% price increases in each of the next five years. For context, the average rate of appreciation for the last 25 years was closer to 4-5% annually.

So, while that’s slightly below the historical average, it’s much more sustainable and typical than where the market was in 2020, 2021, and 2022.

Back then, prices rose too much, too fast based on record-low supply and record-high demand. Some places even saw prices climb by 15-20%.

So, while it may feel like prices are stalling compared to those pandemic-era surges, what’s really happening is that the market is finally finding balance again.

Why Prices Aren’t Expected To Crash

A lot of the chatter about home prices today is based on that rapid rise and the old saying that what goes up, must come down. But historically, that’s not really true. Home prices almost always rise.

And the main reason we’re not heading for a repeat of 2008 is simple: supply and demand.

Even though affordability challenges have made it harder for some people to buy over the past few years, there still aren’t enough homes for everyone who wants one. And that ongoing shortage is keeping upward pressure on prices nationally.

That’s why experts across the board can confidently agree: we’re not headed for a price collapse, but for steady, long-term appreciation.

And just in case it’s the economy that’s got you worried, remember this. Over the past 50 years, there have been plenty of economic events that have impacted the market. And one thing that’s consistently been true throughout time is the housing market always recovers. And we’re coming through that turn right now and going into a recovery.

Bottom Line

If you’ve been waiting to buy or sell because you’re worried about a crash, it’s time to look at the data – not the headlines.

The question isn’t if home prices will rise, it’s by how much.

Let’s connect so you know what’s happening in our local market and what these forecasts mean for your next move.

Click the link below for my Zillow website with many of my previous client testimonials and reviews!

https://www.zillow.com/profile/Twila%20Bertrand

Twila Bertrand, Realtor® | CENTURY 21 Cota Realty – Lufkin, Texas
Helping buyers and sellers across East Texas find their perfect home or land since day one! Whether you’re buying, selling, or investing, I’m here to guide you every step of the way with faith, integrity, and dedication.

🏡 Looking for the Best Realtor in Lufkin, TX?
I’m proud to serve families throughout Lufkin, Diboll, Huntington, and all of Angelina County — helping turn real estate goals into reality.

📞 Call or Text: 936-208-7631
📧 Email: twilabertrand@gmail.com
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💛 “Committed to serving families, guided by faith, and passionate about helping others find their way home!

Real Estate • October 16, 2025

The $280 Shift in Affordability Every Homebuyer Should Know

by Twila Bertrand

The $280 Shift in Affordability Every Homebuyer Should Know

Thursday October 16th, 2025

For Sellers,First-Time Buyers,Mortgage Rates,Move-Up,Affordability,Buying Tips

Article from Keeping Current Matters

If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improvingin 39 of the top 50 markets, according to First American. And that’s the 5th straight month where buying a home has started to get a little bit easier.

Let’s break this down into real dollars, so you can see the difference this could make for you (and your move).

Monthly Payments Are Coming Down

One of the clearest signs of this shift is in monthly payments. The latest data from Redfin shows mortgage payments on a median-priced home are now $283 lower than they were just a few months ago (see graph below):

This kind of monthly savings adds up fast, and totals nearly $3,400 over the course of a year.

While this isn’t enough to completely change the affordability game overnight, think about it this way. When you’re putting together a homebuying budget, a few hundred dollars could be the difference between being comfortable buying and feeling like money’s a bit tight.

And from a home-search perspective, it could even be enough to change the price point you can look at. According to Redfin:

“A borrower with a $3,000 monthly budget can now afford a $468,000 home, about $22,000 more than in June.”

And that’s a big deal if you haven’t found a home you love in your price range yet. It gives you a little more flexibility to find the one that’s right for you.

Either way, that’s a big win.

What’s Behind the Shift?

Two key factors are working in your favor right now:

Mortgage rates have eased from their high earlier this year
Home price growth is slowing in many markets

Both of those things help your bottom line and give you a bit of breathing room if you’re buying a home. As Andy Walden, Head of Mortgage and Housing Market Researchat ICE Mortgage Technology, says:

“The recent pullback in rates has created a tailwind for both homebuyers and existing borrowers. We’re seeing affordability at a 2.5-year high . . .”

Whether you’re a first-time homebuyer or someone looking to move-up into a bigger house, the shifts happening this year could make your move possible. Connect with a trusted agent or lender to see what your monthly payment would look like at today’s rates.

For you, the savings could be the difference between “not yet” and “let’s go.”

Bottom Line

Affordability is improving in many markets. And that resets the math on your move.

If you’ve been sitting on the sidelines, this is your cue to start looking again. Let’s run the local numbers together so you can get a rough estimate of how much more buying power you may have than you did just a few months ago.

Whether you’re buying your first home, selling property, or investing in real estate in the Lufkin area or anywhere in Angelina County, Texas, I’m here to guide you every step of the way. As a local CENTURY 21 REALTOR®, I provide trusted market insight, professional service, and a faith-driven approach to real estate. Visit my website at https://twilabertrand.sites.c21.homes/ to explore the latest homes for sale in Lufkin, neighborhood updates, and expert real estate tips designed to help you make confident decisions in today’s East Texas market. I am always striving to be the Best Real Estate agent I can for all of my clients.

🏡 Twila Bertrand, REALTOR®
CENTURY 21 Cota Realty | Lufkin, Texas
📞 Call/Text: (936) 208-7631
📧 Email: twilabertrand@gmail.com
🌐 Website: https://twilabertrand.sites.c21.homes/

🌐 Website on Zillow: https://www.zillow.com/profile/Twila-Bertrand

✨ Faith-based service. Local expertise. Helping families buy, sell, and invest in real estate across Lufkin and all of Angelina and Nacogdoches County, TX.

Real Estate • October 15, 2025

Why More Buyers Are Turning to New Construction This Year

by Twila Bertrand

Why More Buyers Are Turning to New Construction This Year

Monday October 13th, 2025

For Buyers,New Construction,Affordability,Buying Tips

Article from Keeping Current Matters

There’s a trend taking hold in real estate right now: more buyers are choosing newly built homes. And it’s not just about getting the latest technology or modern floorplans. It’s because they may be able to get a better deal.

Builders are offering serious incentives today, and people are jumping on them.In fact,new home sales just hit their highest level in over two years (see graph below):

Why Builders Are Throwing in Perks

There are more newly built homes for sale right now than there have been in years. And as a buyer, that can help you in two big ways. It gives you more options to choose from on the market, and it motivates builders to sell their inventory before they build more.

That’s exactly why more buyers are scoring incentives like these:

Mortgage rate buydowns to shrink your monthly payment
Price cuts that make homeownership more attainable
Help with closing costs and even upgrades in some communities

The best part is, a lot of builders are offering these perks right now.According to Zonda, nearly 6 out of 10 new home communities are doing incentives on to-be-built homes. And over 75% are doing the same for quick move-ins, which are homes that are already built and ready to move into. As real estate analyst Nick Gerli explains:

“. . . builders are adjusting to the realities of the current housing market. They’ve cut prices 13 percent from peak, and are giving generous mortgage rate buydowns on top of that.”

The big takeaway is: builders are motivated to sell. So, you could snag a lower price and maybe even a lower mortgage rate if you buy new. If you’ve been feeling priced out, these offers might be your way back in.

You Have More Brand-New Options Than Normal

Since there are more new homes on the market than usual, that gives you more options than you’ve had in years. Whether you’re looking for something turnkey or want to personalize a build, odds are there’s more available near you than you may realize.

Even though the number of new homes for sale is up throughout the country, there are pockets where you have an even better chance to find a better price. According to Census data, here’s a high-level look at which parts of the country are seeing the biggest boost in newly built homes (see graph below):

Both the South and West have more new homes available, so you may find builders are even more willing to negotiate in these regions.

Just know that this opportunity won’t last forever. Recent data shows builders are slowing down their production efforts. And a lot of that is to avoid having too many homes for sale. As Robert Dietz, Chief Economist at the National Association of Home Builders (NAHB), explains:

“The slowdown in single-family home building has narrowed the home building pipeline. There are currently 621,000 single-family homes under construction, down 1% in July and 3.7% lower than a year ago. This is the lowest level since early 2021 as builders pull back on supply.”

Moving forward, the number of new options may start to shrink as builders focus more on selling what’s already built before they add more. So, the best time in years to buy a new home may actually be right now.

Bottom Line

With builders cutting prices and maybe even helping you score a lower monthly payment, that’s not something to overlook.

If you want to see how active builders are in your target area and what they’re offering, here’s your power move: before you even begin looking, let’s connect.

That way, you have your own agent to help you compare incentives from multiple builders and negotiate on your behalf, making sure you get the best deal possible.

🏡 Twila Bertrand, REALTOR®
CENTURY 21 Cota Realty — Helping East Texas Families buy and sell properties!
📍 Serving Lufkin, Huntington, Hudson, Diboll, Nacogdoches, and Angelina County, Texas
📞 Call/Text: (936) – 208-7631
📧 Email: twilabertrandrealtor@gmail.com
🌐 Website: https://twilabertrand.sites.c21.homes/
💛 Faith • Family • Forever Homes — Rooted in Faith, Strengthened by Hope — Guiding you home with Purpose! ~~ Colossians 2:7

Awarded – The Angelina County, Lufkin Association of Realtors – Best REALTOR ® of the YEAR for 2024!!

Striving to always be the Best Realtor ® and the Most Trusted Real Estate Agent for all of my clients! Representing Sellers and Buyers with Real Estate sales and purchases in Lufkin, Huntington, Nacogdoches, and all over Deep East Texas since 2012.

“Knowledge is Power and Experience Matters!!”

Click the Link below for many of my previous client testimonials on my Zillow website:

https://www.zillow.com/profile/Twila%20Bertrand

Real Estate • October 7, 2025

Why Experts Say Mortgage Rates Should Ease Over the Next Year

by Twila Bertrand

Why Experts Say Mortgage Rates Should Ease Over the Next Year

Monday October 6th, 2025

For Buyers,For Sellers,First-Time Buyers,Mortgage Rates,Affordability,Economy

Article from Keeping Current Matters

You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go?

Experts say there’s room for rates to come down even more over the next year. And one of the leading indicators to watch is the 10-year treasury yield. Here’s why.

The Link Between Mortgage Rates and the 10-Year Treasury Yield

For over 50 years, the 30-year fixed mortgage rate has closely followed the movement of the 10-year treasury yield, which is a widely watched benchmark for long-term interest rates (see graph below):

When the treasury yield climbs, mortgage rates tend to follow. And when the yield falls, mortgage rates typically come down.

It’s been a predictable pattern for over 50 years. So predictable, that there’s a number experts consider normal for the gap between the two. It’s known as the spread, and it usually averages about 1.76 percentage points, or what you sometimes hear as 176 basis points.

The Spread Is Shrinking

Over the past couple of years, though, that spread has been much wider than normal. Why? Think of the spread as a measure of fear in the market. When there’s lingering uncertainty in the economy, the gap widens beyond its usual norm. That’s one of the reasons why mortgage rates have been unusually high over the past few years.

But here’s a sign for optimism. Even though there’s still some lingering uncertainty related to the economy, that spread is starting to shrink as the path forward is becoming clearer (see graph below):

And that opens the door for mortgage rates to come down even more. As a recent article from Redfin explains:

“A lower mortgage spread equals lower mortgage rates. If the spread continues to decline, mortgage rates could fall more than they already have.”

The 10-Year Treasury Yield Is Expected To Decline

It’s not just the spread, though. The 10-year treasury yield itself is also forecast to come down in the months ahead. So, when you combine a lower yield with a narrowing spread, you have two key forces potentially pushing mortgage rates down going into next year.

This long-term relationship is a big reason why you see experts currently projecting mortgage rates will ease, with a fringe possibility they’ll hit the upper 5s toward the end of next year.

Here’s how it works. Take the 10-year treasury yield, which is sitting at about 4.09% at the time this article is being written, and then add the average spread of 1.76%. From there, you’d expect mortgage rates to be around 5.85% (see graph below):

But remember, all of that can change as the economy shifts. And know for certain that there will be ups and downs along the way.

How these dynamics play out will depend on where the economy, the job market, inflation, and more go from here. But the 2026 outlook is currently expected to be a gradual mortgage rate decline. And as of now, things are starting to move in the right direction.

Bottom Line

Keeping up with all of these shifts can feel overwhelming. That’s why having an experienced agent or lender on your side matters. They’ll do the heavy lifting for you.

If you want real-time updates on mortgage rates, let’s connect so you have someone to keep you in the loop and help you plan your next move.

I am here and always happy to help! Representing Buyers and Sellers with Real Estate services in Lufkin, Huntington, Nacogdoches, and all over East Texas since 2012!

Always Striving to be the Best Realtor and Best Real Estate Advocate I can for all of my clients! Knowledge is Power and Experience Matters!!

Twila Bertrand, REALTOR ®

CENTURY 21 Cota Realty

210 E Lufkin Ave, Lufkin Tx 75901

Click the link below to see many of my client Testimonials on my Zillow website!

https://www.zillow.com/profile/Twila%20Bertrand

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© CENTURY 21 2023 - 2024. All rights reserved. CENTURY 21®, C21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Franchisee Legal Entity Name (not the dba) fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each franchise is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

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