Cara Holt Real Estate

05/27/2026

Updated 1970s home nestled in a mature, established neighborhood featuring modern renovations, spacious living, and timeless curb appeal.

MLS # 21282718

Listed by:
Yours truly 🙋🏼‍♀️
Texas Broker Associate
RJ Williams & Company Real Estate LLC.
☎️ 817-688-2026
💜

05/13/2026

7300 Wind Chime, 76133
MLS #21269159 listed by RJ Williams & Company Real Estate LLC.

02/03/2026

2️⃣0️⃣1️⃣6️⃣ trend related to Real Estate. 🏡

National Association of Realtors provided the basis for sale price and interest rates. 💰

The other two calculator screen shots are showing:

2️⃣0️⃣1️⃣6️⃣ ($1,044)

versus

2️⃣0️⃣2️⃣6️⃣ ($2,567)

for principal & interest ONLY.

➡️ Note - a monthly mortgage payment also includes property taxes, home owners insurance, and mortgage insurance.

For a $414,400 sale price with minimum down payment and good credit in DFW, that additional monthly amount is roughly $1,000/month.

The TOTAL monthly payments 🟰 $3,567.

01/29/2026

You got approved for a home loan?! Great! 🙌🏻

➡️ Let’s look at what your monthly payments include.

1) Principle & Interest
2) Property Taxes
3) Home Owners Insurance
4) Mortgage Insurance (if under 20% down payment)

🛑 WAIT, what the heck is MORTGAGE INSURANCE?? 🤔

Good question. There are two types of Mortgage Insurance -
1. “Private” (conventional loans)
2. “Public” (government loans - FHA, VA, and USDA).

Who benefits from this insurance?
- the LENDER (less risk)

Is this paid monthly on the mortgage payments or up front with closing costs?
- if “Private” (conventional loan): monthly
- if “Public” (FHA, VA, or USDA): both

How much is it?
- if “Private”: depends on your credit score
- if “Public”: doesn’t matter your credit score, there is a fee paid to the government entity

How do I see the cost of Mortgage Insurance up front?
- ask your Loan Specialist or “Lender”

Note- this fee can be anywhere from $50/month for “Private” and up to $HUNDREDS/month on “Public”

A great “Lender” will break down the fees and help you structure your loan to best fot your needs.

💰 Need a LENDER referral??

Text me and I will share three local, knowledgeable LENDER partners. 👊🏻

☎️ 817-688-2026
RJ Williams & Company Real Estate LLC.
💜

01/27/2026

Texas homestead exemptions changed (voted on November 2025). 🗳️

Read below ⬇️

01/21/2026

Updated Information About Brokerage Services 2026. Attorney’s orders ⚖️

12/24/2025

Thank you to my repeat & referral clients for a prosperous 2025 in spite of a major downturn market.

07/31/2025

🚨 OPEN HOUSE: Saturday 08/02 11am-1pm

1202 Lipscomb Street
Fort Worth, Tx 76104
MLS #21012194

Listed by: RJ Williams & Company Real Estate LLC.

Texas Broker Associate
☎️ 817-688-3026
💜

06/04/2025

Repeat clients warm my heart! 💜

🌟 🌟 🌟 🌟 🌟

01/09/2025

🚨 🏡 HOUSING MARKET 2️⃣0️⃣2️⃣5️⃣ projection highlights & key 🔑 factors.

Cliff notes 📝:

🔒 The “lock-in” effect is the biggest factor still. According to the Consumer Financial Protection Bureau, 60% of mortgages are below 4% interest rates so why would sellers jump to today’s 7%?! 🤔

👩‍🦳 The median home buyer now is 56 years old (up 7 years from 2023) and first time home buyers are at a 44 year record low of 24%. Why⁉️
💰 Cost of homes =
2019: $274,000; 2025 $407,000 (a 68% ⬆️).

🍊 The “Trump Bump” with inauguration right around the corner COULD bring a “shot in the arm” to the U.S. unaffordable housing. Tax cuts, wholesalers recalibration, and possibly more federal land use should POSITIVELY impact our housing market.

☀️ The “Sun Belt” continues to be the most growing parts of the country with TEXAS, FLORIDA, & VIRGINIA leading the nation.

Have any questions ❓❓

Text/message me 📱 817-688-2026

Texas Broker Associate
RJ Williams & Company Real Estate LLC.
💜

The U.S. housing market crawled to a standstill last year—but there is a glimmer of hope on the horizon with mortgage rates projected to ease.