Phillip Gaines Realtor

04/01/2026

https://www.zillow.com/homedetails/37-Lakeaire-Dr-Eufaula-OK-74432/224785843_zpid/?utm_campaign=androidappmessage&utm_medium=referral&utm_source=txtshare

Lakeview Property Available For Sale!

01/11/2026

Open House today 2-4 and I have treats!
Come by and let's visit!

This 1861 square feet Multiple Occupancy home has 4 bedrooms and 2 bathrooms. It is located at 2555 NW 20th St, Oklahoma City, OK.

01/08/2026

Interesting fact: Today is the first time I have ever seen the MLS have a higher number of both new listings and expired listings over price decreases.

12/27/2025

Homeowners insurance is essential for protecting your property and belongings from unexpected events like natural disasters, theft, or accidents. Remember to regularly review your policy to ensure it reflects your home’s current value and any major updates or renovations. Pro tip: bundling your home and auto insurance and exploring discounts for safety features like smoke detectors or security systems can often help you save money too! Questions about buying or selling? I'm here to help!

I am your resource for your real estate related concerns.

11/18/2025

Hello Everyone,

I’ve been learning a lot lately and I have thought extensively about the challenges so many people face with their current living situations. I want to speak directly to those with these types of pain points that often get overlooked. Things like: If you’re renting, you know the struggle; watching rent increase ever so often while nothing about your financial situation improves much. Or maybe, feeling like you’re paying someone else’s mortgage while you build no equity of your own. For some, that sentence might actually go over your head. Then there is dealing with landlords who don’t fix things, who don’t care, or don’t allow you to make your space truly yours.
If you’re living in an apartment, a mobile home, or even the same older home you’ve been in your entire life, you may feel stuck. You may even feel like upgrading or moving into something better just isn’t possible. That simply is not true.
Here’s the truth: you might be even closer to homeownership than you think.

Over this weekend, information was reported to take effect 11/15/2025 that Fannie Mae has eliminated the old 620 credit score rule for those who may qualify for an FHA loan. This move would allow lenders to potentially use other forms of verified financial history, job history, rental history and more to establish creditworthiness.
This is a big deal for people who have been told “no” simply because of a number even when their real financial habits show they’re responsible and stable. This change could open the door for people who once thought they had no chance. Contact me directly for the YouTube video explaining in better detail and would like to share that with anyone that wants to know more.
Whether you're:
Looking to buy your first home
Curious about real estate investing, or
Simply needing someone to break down how a real estate transaction really works
I would like to help you move from uncertainty to clarity.
We could discuss:
What programs you may qualify for
How to understand your credit and financing options
How to move from renting to owning
Resources to get started without stress or confusion
Investment strategies you don’t need to be wealthy to begin

Seriously, if you’re tired of feeling stuck in your current housing situation? If you’re ready to explore your options? If you want to stop pouring your money into someone else’s pockets?
Reach out to me today.
Comment, DM me, or text/call — whichever you prefer.

Even if you’re unsure or think you’re not ready, let’s talk.
Right now is a great time to better understand the opportunities that are already within your reach.
Let’s make homeownership or real estate investment not just a dream, but a plan.

Thank you for taking the time to read this post. Enjoy your day everyone!

11/05/2025

News you can use!
Oklahoma’s New Real Estate Wholesaling Law Took Effect November 1, 2025

Remember those calls, texts, or mail from “investors” wanting to buy your house?
Remember blocking their phone numbers?
Well a new Oklahoma law is now in effect that requires anyone wholesaling or assigning real estate contracts for profit to be a licensed real estate professional.

This protects homeowners from misleading offers and ensures that every transaction is transparent and handled ethically.

Keep this in mind, if you’re facing pre-foreclosure, probate or inherited property and need to sell quickly or as-is?

I work with verified cash buyers ready to purchase properties across the state with fast closings, no repairs, and no hidden fees.

Contact me to discuss your situation, I will do my best to help resolve the matter.

09/24/2025

A new plaza dedicated to fostering community engagement is coming to the historic Capitol Hill area of Oklahoma City. It's set to open later this month.

Link to the full story is in the comments below.

09/17/2025

Mortgage rates dropped sharply Tuesday, as investors in mortgage-backed bonds seemed to buy in ahead of a widely expected rate cut by the Federal Reserve.

The average rate on the 30-year fixed mortgage dropped 12 basis points from Monday to 6.13%, according to Mortgage News Daily. That is the lowest level since late 2022.

“The overall set-up is reminiscent of September 2024 when rates were doing the same thing for the same reasons ahead of Fed meeting with a virtual 100% chance of a rate cut,” said Matthew Graham, chief operating officer of Mortgage News Daily. “Back then, mortgage rates moved paradoxically higher after the Fed rate cut. The same thing could happen this time, but it’s by no means guaranteed.”