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HXC Real Estate Customer Focussed & Results Driven

They were one signature away from leaving $12K on the table. ✍️😬📍 New construction buyers, under contract with the build...
10/13/2026

They were one signature away from leaving $12K on the table. ✍️😬

📍 New construction buyers, under contract with the builder

🎁 The incentive looked incredible: thousands off closing costs

🔒 The catch? Only through the builder’s in-house lender, no rate BUY-DOWN is FREE, so don’t get excited looking at 4.99%, before you check the math behind it!

🚫 They were ready to sign without comparing a single other option

⏸️ I asked for 48 hours
📊 We shopped it against 3 outside lenders
📉 The result was a lower rate with minimal extra fees
✅ And they kept the incentive that mattered most

💰 Even after the builder’s offer, the math flipped: ~$12K saved in cash-to-close
🏡 Same house, better terms

💡 The lesson:
→ Builders can profit on the house AND the loan
→ An “incentive” isn’t a discount until you’ve seen the full numbers
→ Compare before you sign disclosures

📲 Know someone under contract with a builder right now? Send them this before they sign.

🏡 Harman Cheema | Monument Realty
📞 469-381-0060
📩 [email protected]

🚨 Most buyers are watching the wrong headline. Are you? 👀People think: 🅰️ The Fed sets your mortgage rate🅱️ The bond mar...
10/12/2026

🚨 Most buyers are watching the wrong headline. Are you? 👀

People think:
🅰️ The Fed sets your mortgage rate
🅱️ The bond market sets your mortgage rate

Here’s why it matters for your wallet 💸

🏠 On a $400K loan, going from 6.71% to 7.28% adds about $150/month to principal and interest

📆 That’s roughly $1,800 a year, or about $55K over the life of the loan

⚡ And it happened in four weeks, while everyone was waiting on the Fed

What I’m telling my buyers right now 🧠
🔒 Get a quote this week and ask your lender about a float-down option

🏗️ Look hard at new construction. Many DFW builders are paying for rate buydowns, which can beat waiting for the Fed.

📊 Run the numbers at today’s rate. If it works now, a drop later is a refinance bonus, not a requirement.

Swipe through to see who’s really moving your rate ➡️

💬 Comment “MARKET” and I’ll send you my weekly rate-and-inventory read

📲 Tag someone who keeps saying “I’m waiting for rates to drop”

🏡 Harman Cheema | Monument Realty
📞 469-381-0060
📩 [email protected]

Last night at the ESPE Awards 2026 🔥 ✨ A room full of talent, grit, and serious work ethic.💯 Success stories that inspir...
10/09/2026

Last night at the ESPE Awards 2026 🔥

✨ A room full of talent, grit, and serious work ethic.
💯 Success stories that inspire you to push even harder

🎤 A phenomenal show by DFW Real Producers Thank you for raising the bar!

To my clients:

🤝 Thank you for believing in me
🏡 Thank you for trusting me with your biggest life decision
🙏 I never take that for granted

The truth is:

❤️ I pour my heart into this work, every single deal
📈 We’ve come a long way
🚀 And we still have a long way to go

Bless you all, and wishing everyone nothing but great times ahead! 🥂

🏡 Harman Cheema | Monument Realty

🚨7.28% is the headline. It’s not the rate smart buyers are actually paying. 👀📈 Rates jumped from 7.03% to 7.28% in one w...
10/08/2026

🚨7.28% is the headline. It’s not the rate smart buyers are actually paying. 👀

📈 Rates jumped from 7.03% to 7.28% in one week

⏳ First time above 7% in 20 months, and it took just 4 weeks to get there from 6.71%

❄️ January sat at 6.10%, the lowest in 3+ years. Same year.

💸 Same $400K loan: $2,424 then, $2,737 now. That’s +$313/mo

🧮 Over 30 years? $112,600, if you never refinance

📉 A $2,500 payment carried $412K in January. Today it carries $365K

🚪 Existing-home sales hit a 3.98M pace in August. Buyers stepped back.

🏗️ And that’s exactly why 2 in 3 builders are now paying incentives

🔑 Here’s the part most people miss: the rate is real, but who pays for it is negotiable

💰 On DFW’s $389K median, a seller- or builder-funded buydown to 5.99% saves about $265/mo vs 7.28%

🎯 The headline rate is the sticker. Almost nobody with leverage pays sticker.

📲 Want the list of North Texas builders still offering 4.99%? DM me “HOME” and I’ll send it over.

🏡 Harman Cheema | Monument Realty
📞 469-381-0060
📩 [email protected]

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1 Cowboys Way Suite 160
Frisco, TX
75034

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