Friday, November 28, 2025 / by Tanya Kerr
*While I am a licensed Realtor®, I am not acting as your Realtor. Every real estate situation is unique, so please consult a professional who can provide advice tailored to your needs.*
If you have been watching the Central Texas real estate market and wondering whether 2025 is the right time to buy, you are asking the same question as almost every buyer I meet. As someone who personally bought a new primary residence this year, my answer is clear. Yes, 2025 is one of the strongest buying windows we have seen in years, and buyers who understand the opportunity are stepping forward strategically.
I have been told by trusted real estate economists that the next three to six months leading into 2026 may be the best time to buy before the market shifts again. I do not have a crystal ball, but I do pay attention to data, supply, demand, and buyer behavior across Austin, Georgetown, Round Rock, Leander, Hutto, Cedar Park, Liberty Hill, and surrounding areas. What I see right now . ...
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real estate, t. kerr property goup, realtor
Wednesday, November 26, 2025 / by Tanya Kerr
*While I am a licensed Realtor®, I am not acting as your Realtor. Every real estate situation is unique, so please consult a professional who can provide advice tailored to your needs.*
“How much home can I afford?” is one of the most common questions buyers ask when they start shopping in Central Texas. Whether they are looking in Austin, Georgetown, Round Rock, Liberty Hill, Hutto, Leander, or Cedar Park, the fear of getting in over their head is real. As someone who used to be an educator, one of my favorite things to do is break down complex decisions so people feel informed, confident, and empowered.
The truth is that affordability is not one number. It is a combination of payment, comfort, lifestyle, and long term financial health. A lot of buyers try to guess their budget or rely on online calculators and end up shocked when the real numbers come in. That is why we always recommend working immediately with a trusted lender who can run real scenarios based ...
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real estate, t. kerr property goup
Monday, November 24, 2025 / by Tanya Kerr
*While I am a licensed Realtor®, I am not acting as your Realtor. Every real estate situation is unique, so please consult a professional who can provide advice tailored to your needs.*
If you have been hearing rumblings about 50-year mortgages, you are probably wondering if this is actually happening or if TikTok is just bored again. Before we decide whether a 50-year mortgage is smart or scary, it helps to zoom out and understand how the current system was built and how interest rates historically behaved.
Here is a breakdown of how we got the 30-year mortgage and what a 50-year version could mean for homeowners.
A Quick History of Mortgage Evolution
Before the 1930s
Mortgages were:
Three to five-year terms
Interest only payments
Huge balloon payment at the end
High default risk
Designed to protect banks, not borrowers
Homeownership was not realistic for most households.
&n ...
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real estate, t. kerr property goup
Friday, November 21, 2025 / by Tanya Kerr
*While I am a licensed Realtor®, I am not acting as your Realtor. Every real estate situation is unique, so please consult a professional who can provide advice tailored to your needs.*
Part of my own wealth-building journey has been through real estate - and that requires discipline. Over the years, I’ve seen how financial stability and smart decision-making can completely transform not only an individual’s future but their family’s. At T. Kerr Property Group, part of our mission is to be a conduit for wealth-building for our clients. To do that, we have to talk openly about both the opportunities and the risks that come with homeownership.
If you’re trying to figure out how much to spend on a home, the 30/30/3 rule is one of the best frameworks out there. It was first introduced during the 2008 financial crisis to help buyers avoid overextending themselves - and it’s just as relevant today.
Following the 30/30/3 rule gives you a higher chance of ...
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Thursday, November 20, 2025 / by Tanya Kerr
*While I am a licensed Realtor®, I am not acting as your Realtor. Every real estate situation is unique, so please consult a professional who can provide advice tailored to your needs.*
If you’ve recently come into money – maybe from selling a property, receiving a bonus, an inheritance, or even winning the lottery – you may be sitting on a financial opportunity most homeowners overlook. That extra cash can do more than just sit in your bank account or get eaten up by inflation. Used strategically, it can help you slash your monthly payments, cut years off your loan, and save hundreds of thousands in interest through recasting or refinancing your mortgage.
Let’s unpack what each of these options means, when to use them, and how much you could actually save.
What Is a Mortgage Recast?
A mortgage recast (sometimes called a loan re-amortization) allows you to apply a large lump-sum payment toward your existing m ...
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real estate, realtor, t. kerr property goup, seller, austin area real estate, georgetown texas real estate, tanya kerr, buying vs. selling
