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Bexley Realty Group Helping you buy, sell, lease & invest across Houston Real Estate with strategy, precision, and results. Luxury. Smart Moves. Real Results.

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Houston sellers: should you offer concessions right now?With buyers averaging 58 days to make a decision and 5.5 months ...
10/16/2026

Houston sellers: should you offer concessions right now?

With buyers averaging 58 days to make a decision and 5.5 months of inventory across Greater Houston, this is not a question you can ignore.

Here is the honest answer:

In today's market, a seller-paid rate buydown is one of the most effective tools available. Here is why:

At 7.40%, a $300,000 loan costs a buyer approximately $2,075/month in principal and interest. Buy the rate down 1 point to ~6.40%, and that same buyer pays approximately $1,880/month.

That is ~$195/month less. That is the difference between a serious offer and a pass.

A 1-point buydown typically costs the seller 1% of the loan amount — approximately $3,000 on a $300,000 loan. If it closes a deal that would otherwise fall through or sit for another 30 days, the math usually works in the seller's favor.

Other concession strategies worth understanding right now:
- Closing cost assistance
- HOA fee credits
- Repair credits vs. price reductions
- Temporary 2-1 buydowns

Not every seller needs to offer concessions. But in a 5.5-month inventory market, sellers who understand the tools available have a real advantage.

Full breakdown on the blog today.

bexleyrealtygroup.com | 832-648-2492
Bexley Realty Group | Brokered by eXp Realty

Houston's housing market has shifted — and if you're buying, this matters.Sellers are paying concessions right now. With...
10/16/2026

Houston's housing market has shifted — and if you're buying, this matters.

Sellers are paying concessions right now. With 5.2 months of inventory in Greater Houston, buyers have real negotiating power — closing costs, rate buydowns, and home warranties are all on the table.

Know how to use this market to your advantage. Ask us what sellers in your target neighborhood are currently offering.

Bexley Realty Group, Brokered by eXp Realty
📍 bexleyrealtygroup.com
📞 832-648-2492

Let's talk about what a 3.125% mortgage rate actually means vs. 4.99%.On a $250,000 loan:💰 At 3.125% → ~$1,070–1,100/mon...
10/16/2026

Let's talk about what a 3.125% mortgage rate actually means vs. 4.99%.

On a $250,000 loan:
💰 At 3.125% → ~$1,070–1,100/month
💰 At 4.99% → ~$1,350–1,380/month

That's approximately $280–$300/month less.
Over 5 years: approximately $17,000 in savings.

This Meridiana townhome has an assumable FHA loan at 3.125% for qualified owner-occupant buyers.

3 BR | 2.5 BA | 1,843 Sq Ft | $275,000 | Move-In Ready
📍 4055 Champlain Way | Iowa Colony, TX 77583

*(Always confirm payment estimates with your lender. Loan assumption subject to lender approval.)*

📞 [Phone] | 🔗 [Link]

At 7.40% mortgage rates, what does a Houston home actually cost per month?A lot of buyers are focused on purchase price....
10/16/2026

At 7.40% mortgage rates, what does a Houston home actually cost per month?

A lot of buyers are focused on purchase price. The number that really matters is the monthly payment.

$250,000 loan → ~$1,730/month (P&I)
$300,000 loan → ~$2,075/month
$350,000 loan → ~$2,420/month
$400,000 loan → ~$2,765/month

*Estimates only. 30-year fixed at 7.40%. Does not include taxes, insurance, or HOA. Verify with your lender.*

What this means for Houston buyers right now:

→ Purchasing power has compressed significantly vs. two years ago
→ Seller-paid rate buydowns can meaningfully reduce these payments
→ Assumable FHA/VA loans at 3-4% represent real savings when available
→ The question is not just the purchase price — it is the monthly payment you can sustain

Full breakdown on the blog today, including what a 1-point buydown actually saves you in Houston.

bexleyrealtygroup.com | 832-648-2492
Bexley Realty Group | Brokered by eXp Realty

Should you rent or buy a home in Houston right now?With mortgage rates above 7.40% and Houston rents averaging $1,400–$1...
10/15/2026

Should you rent or buy a home in Houston right now?

With mortgage rates above 7.40% and Houston rents averaging $1,400–$1,600/month for a two-bedroom, the math deserves a real look — not a gut feeling.

Here's the honest picture:

Renting keeps you flexible. No repair costs, no down payment required, no rate risk. In a high-rate environment, that flexibility has real value.

Buying builds equity. In Greater Houston, the median home price is $330,000 (September 2026 — a record for September). Every payment reduces your balance and builds your stake in a market that has historically appreciated.

The question most people don't ask: What does renting for another 2–3 years actually cost?

At $1,500/month in rent, you'll pay $54,000 over 3 years — with $0 equity accumulated and no benefit if values continue rising.

There's no universal right answer. But there is a better answer for your specific situation — and we can help you find it.

Full breakdown on the blog today.

🔗 bexleyrealtygroup.com | 📞 832-648-2492

Mortgage rates are sitting above 7.40% again this week — and the 10-year Treasury is pushing past 5.3%.A lot of Houston ...
10/15/2026

Mortgage rates are sitting above 7.40% again this week — and the 10-year Treasury is pushing past 5.3%.

A lot of Houston buyers are asking: why does the Treasury rate matter to my mortgage?

Here's the short answer: your 30-year fixed mortgage doesn't follow the Federal Reserve. It follows the bond market — specifically the 10-year Treasury yield.

Right now, bond markets are pricing in persistent inflation. September CPI came in hotter than expected. Energy prices are elevated. That combination pushes Treasury yields up — and mortgage rates follow.

What does this mean practically for Houston buyers?

→ Your purchasing power has compressed compared to 12 months ago
→ Seller-paid rate buydowns are a legitimate negotiating tool right now
→ Some loans are assumable — and that matters when a seller locked in at 3%
→ Knowing your real monthly payment numbers is more important than waiting for a "better" rate

We broke down the full picture on the blog today — what's driving rates, what the data actually shows, and what Houston buyers can do.

🔗 bexleyrealtygroup.com | 📞 832-648-2492

This image is a rendering — an example of the type of home that can be built on a rural Texas acreage lot. It does not r...
10/15/2026

This image is a rendering — an example of the type of home that can be built on a rural Texas acreage lot. It does not represent the subject property or any specific build plan.

What IS real: a 5.16-acre lot in Wild Wing Preserve — a gated, deed-restricted community near Columbus, TX with private paved roads and a community fishing lake.

Price Reduced $14,000 — Now $127,000.

If you've been looking for the right piece of land to build on — this is a conversation worth having.

📍 5557 Teal Lane | Columbus, TX 78934 | $127,000
*(Rendering shown for illustrative purposes only. Verify deed restrictions and build requirements with listing agent.)*

Contact Missy Phillips:
📞 816-838-9565
📧 [email protected]

Here's what $250,000 buys in Richmond, TX right now.4 bedrooms. 2 full baths. 1,686 sq ft. Established Fort Bend County ...
10/15/2026

Here's what $250,000 buys in Richmond, TX right now.

4 bedrooms. 2 full baths. 1,686 sq ft. Established Fort Bend County neighborhood. Low HOA fee.

✓ 4 Bedrooms — Rare at This Price in Fort Bend County
✓ $148/Sq Ft vs. $184 Market Average
✓ Low HOA Fee — Established Community
✓ $219,000 Below Richmond Median List Price

For the buyer who has been searching for 4 bedrooms but keeps hitting new construction prices — this is the conversation.

6830 Pickett Drive | Tara Subdivision | Richmond, TX 77469
📞 [Phone] | 🔗 [Link]

Buyers comparing homes in Grand Lakes and Firethorne at $650,000–$750,000 — here's what $599,999 gets you in Fort Bend C...
10/15/2026

Buyers comparing homes in Grand Lakes and Firethorne at $650,000–$750,000 — here's what $599,999 gets you in Fort Bend County right now.

✅ Resort Pool + Attached Spa — Already Done
✅ Solar Installed — Already on the Roof
✅ 5 Bedrooms · 4 Full Bathrooms
✅ 3,511 Sq Ft · 2020 Ashton Woods
✅ First-Floor Primary + In-Law Bedroom Down
✅ Game Room + Theater Room Upstairs
✅ Quartz Kitchen · Water Softener

26107 Pond Lily Circle | Creekside Ranch | Richmond, TX 77406
Price reduced. Motivated seller.

Bill Bexley · Bexley Realty Group
📞 832.816.5139
[email protected]

Houston sellers — if your home has been sitting longer than expected, you're not alone. And you're not out of options.Se...
10/15/2026

Houston sellers — if your home has been sitting longer than expected, you're not alone. And you're not out of options.

September 2026 Houston market data shows homes averaging 58 days on market. Inventory has climbed to 5.5 months. Pending sales fell 11.6% year-over-year.

That's not a reason to panic. It's a reason to get strategic.

The most common reasons a Houston home isn't selling right now:

🏠 Pricing — The biggest factor. With 5.5 months of inventory, buyers have options. A home priced above comparable sold data won't move.

📸 Presentation — In a buyer-choice market, online photos and first impressions matter more than ever.

📍 Condition — Today's buyers are negotiating. Deferred maintenance or obvious repair needs become price reduction leverage.

💬 Positioning — Who is this home for? How is it being marketed to reach that buyer?

We published a detailed guide on the blog today — what the September data shows, how to read your home's situation honestly, and what sellers can actually do to change the outcome.

🔗 bexleyrealtygroup.com | 📞 832-648-2492

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Katy, TX

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