Home Buyers

Learn why the housing affordability crisis is about so much more than just rates. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The Affordability Crisis: It’s Not the Rates You Need To Worry About

Here’s the reality most agents won’t tell you: While economists panic about a “national housing emergency,” smart buyers in Ellis County are quietly positioning themselves for one of the most significant wealth-building opportunities in a decade. But you’ve got about a 12-18 month window before everyone else figures this out. Let me explain what’s really happening and more importantly,...

Learn how portable mortgages let you take your existing mortgage rate with you. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

What If You Could Take Your Mortgage With You? Portable Mortgages Impact On Affordability

Listen, when I woke up this morning and saw the Trump administration is “actively evaluating” portable mortgages, my first thought wasn’t “that’s interesting.” It was “this could be fantastic.” Because here’s what nobody in Ellis County is talking about yet: This single policy shift could unlock the biggest inventory wave North Texas has seen in years. And while every other agent...

Will Trump's 50 year mortgage and new fed chair pick finally create affordability? Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

Will Trump’s 50-Year Mortgage and New Fed Chair Lower Your Monthly Payment?

Chaos is opportunity, and right now, the housing finance world is about to get very chaotic. President Trump’s administration just dropped a 50-year mortgage proposal and is actively selecting a new Federal Reserve chair. Both moves could dramatically reshape what you pay monthly, and what you actually own at the end. Let’s break down the real story, because understanding this NOW puts you five...

Learn what Trump's new fed chair pick could do to mortgage interest rates. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

Trump’s Next Fed Chair Pick: What The 5 Candidates Could Do to Mortgage Rates

The Five Candidates, What Each Means for Ellis County Home Buyers, and Why This Decision Matters More Than Any Interest Rate Announcement Here’s something most North Texas real estate agents won’t tell you: the biggest factor determining your mortgage payment in 2026 isn’t listed in the MLS. It won’t show up in property disclosures. And it’s not something your lender can lock in for you...

How to repair your credit score with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The Real Story Behind Credit Scores: What North Texas Homebuyers Actually Need to Know

Listen, I’m going to be straight with you, most credit repair guides are written by people who’ve never sat across from a first-time buyer watching their dream slip away because of a 580 credit score. I have. And in a market where Ellis County home prices jumped 47% in three years while that Ferris development is about to reshape everything? Your credit score isn’t just a number, it’s the...

50 year mortgages have been introduced, are they good or bad for North Texans. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The 50-Year Mortgage: Game Changer or Generational Trap for North Texas Buyers?

This could be fantastic. Or it could be a disaster. Either way, we need to talk about it. Look, I get calls every week from buyers who are frustrated. They’re making decent money, household income of $85K, $95K, even pushing six figures, and they still can’t comfortably afford a home in decent North Texas neighborhoods. The math just doesn’t work anymore. So when the Trump administration floated...

New Texas law could change Friday night lights forever and be a signal for neighborhood equity growth. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

New Law That’s About to Change Friday Night Lights Forever

Listen, here’s what most agents won’t tell you about choosing a community in North Texas: The way a school handles Friday night football isn’t just entertainment, it’s a direct indicator of property values, community culture, and whether you’re buying into a neighborhood that’s trending up or slowly circling the drain. And Texas just changed the game completely. Starting this school...

The $900 million Northpark deal. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The $900 Million NorthPark Deal Nobody’s Talking About (And Why Your Home Value Depends On It)

Most agents saw the NorthPark Center headlines and scrolled past. Big mistake. A massive story just unfolded that could reshape North Texas residential real estate in ways most won’t see coming until it’s too late. What Actually Happened (The Version That Matters To You) The Nasher-Haemisegger family just dropped $900 million to buy back complete control of NorthPark Center from J.P....

How to choose a lender. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

Choosing Your Mortgage Lender Guide: North Texas Edition

“Your lender choice might matter more than the house you choose. Here’s why, and what to do about it.” Listen, I’m going to shoot straight with you: A 0.25% difference in your interest rate costs you approximately $15,000 on a $300,000 mortgage over 30 years. That’s a new car. That’s your kid’s first year of college. But here’s what’s even more critical in Ellis County and DFW...

Young couple who are first time homebuyers in their newly purchased home. Learn more with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The North Texas Home Buying Guide: What Your Agent Isn’t Telling You

The North Texas Home Buying Guide: What Your Agent Isn’t Telling You   Let’s Cut Through the BS Here’s what nobody tells you about buying a home in North Texas: the game changed in 2024, and most agents are still playing by the old rules. I’m not here to give you the sanitized version. I’m here to give you real intel, the kind that comes from major development and corporate relocations before...