202 Pennington Road

Beautiful NEW CONSTRUCTION home in a great location within easy reach of great schools, Parks, lakes, shopping, dining & more. This home offers 3 bedrooms, 2 bathrooms & 1,854 sq ft of living space. The open concept design of the main area creates a spacious feel, perfect for entertaining or spending time with family. The living room has large windows for natural light to flood the space. The kitchen is equipped with modern stainless-steel appliances, granite countertops, ample storage & pantry. The spacious primary bedroom includes an ensuite bathroom with dual sinks, garden bathtub, walk-in shower & large walk-in closet. The 3-car garage provides plenty of room for vehicles & additional storage. If this floor plan does not suit your needs, there's other homes that are listed or close to being finished.

204 Pennington Road

Beautiful NEW CONSTRUCTION home in a great location within easy reach of great schools, Parks, lakes, shopping, dining & more. This home offers 4 bedrooms, 2 bathrooms & 1,839 sq ft of living space. The open concept design of the main area creates a spacious feel, perfect for entertaining or spending time with family. The living room has large windows for natural light to flood the space. The kitchen is equipped with modern stainless-steel appliances, granite countertops, ample storage & pantry. The spacious primary bedroom includes an ensuite bathroom with dual sinks soaking garden bathtub, walk-in shower & large walk-in closet. The 3-car garage provides plenty of room for vehicles & additional storage. If this floor plan does not suit your needs, there's other homes that are listed or close to being finished.

206 Pennington Road

Beautiful NEW CONSTRUCTION home in a great location within easy reach of great schools, Parks, lakes, shopping, dining & more. This home offers 3 bedrooms, 2 bathrooms & 1, 843 sq ft of living space. The open concept design of the main area creates a spacious feel, perfect for entertaining or spending time with family. The living room has large windows for natural light to flood the space. The kitchen is equipped with modern stainless-steel appliances, granite countertops, ample storage & pantry. The spacious primary bedroom includes an ensuite bathroom with dual sinks, walk-in shower & large walk-in closet. The 3-car garage provides plenty of room for vehicles & additional storage. If this floor plan does not suit your needs, there's other homes that are listed or close to being finished.

313 Donna Circle

Welcome to this immaculately maintained 4-bedroom, 2-bath home located in the highly sought-after Ashley Oaks neighborhood and within the acclaimed Acton Elementary School District. Situated just a mile behind H-E-B on the Fort Worth side of town, this property combines comfort, convenience, and charm. Step inside to discover an inviting open floor plan with beautiful wood-look tile flooring throughout the main living areas. A cozy brick fireplace anchors the spacious living room, creating a warm and welcoming atmosphere. The kitchen is a chefs delight, featuring custom Knotty Alder cabinetry, a large center island perfect for entertaining or casual dining, and sleek stainless steel appliances. The thoughtfully designed split-bedroom layout offers privacy and functionality. The primary suite is tucked away from the secondary bedrooms, providing a peaceful retreat complete with a generous en-suite bathroom, dual vanities, and a massive walk-in closet. Step outside to enjoy your own backyard oasis. The covered patio overlooks a refreshing above-ground poolperfect for cooling off during the Texas summersand a raised bed garden, ideal for growing your favorite vegetables or flowers. A full sprinkler system keeps the lawn and garden lush year-round. Dont miss your chance to own this beautiful home in a prime location with top-rated schools, modern amenities, and plenty of space to relax and entertain.

Rate Reality Check

Rate Reality Check: What Really Happened After the Fed Cut“Wait… didn’t the Fed cut rates? So why did mortgages go up this week?”You are not alone — this question is coming from buyers, sellers, and even agents who have been through multiple market cycles. Let’s walk it through in clear, human language (no econ degree required).First — Not All Rates Move the Same WayThe Fed controls overnight rates — money that moves for a day at a time. Mortgage rates are based on longer-term bonds, and most mortgages only last about 7 years (not 30!).So, we’re comparing two totally different types of loans. Naturally — they react differently.Second — Timing MattersMortgage rates can adjust every day — sometimes multiple times per day.The Fed can only make a move eight times a year.So, mortgage rates often price in rate changes early, before the Fed even announces anything.And this most recent cut?The market saw it coming a mile away — it was already baked into mortgage pricing.So Why Did Rates Go Up After the Announcement?Because of what was said after the rate cut.During the press conference, Powell made it clear: Another cut in December is not guaranteed.That unexpected tone changed expectations — and expectations are what move mortgage rates. Not the Fed’s announcement itself, but the future outlook.When expectations shifted → mortgage-backed securities shifted → rates moved higher.What This Means in Plain TermsThe Fed cut was old news.Powell’s comments were new news.New news moves rates.What to Watch NextFor mortgage rates to come meaningfully lower, we’ll likely need:Softer economic dataClear signals of slowing inflationFull access to updated government economic reports (once shutdown delays clear)Until then, rates may move in smaller, choppy ranges.Your Takeaway (Share This With Clients)It’s not about what the Fed did. It’s about what the market expects will happen next.When expectations shift — rates shift.And Here’s the OpportunityEven in a mixed-rate environment, smart buyers win by planning:Buy the home that fits nowRefinance when the market shiftsBuild equity while waiting for the next rate cycleIt’s not about timing the market — It’s about entering with strategy and support.And that’s exactly what we do, together. Warm Regards, Patty NewbyPublished November 3rd 2025

“Rate Cut ≠ Relief”

The Fed May Cut Rates — But Don’t Expect Mortgage Relief (Yet!)The Federal Reserve is expected to cut rates next week, and the headlines will sound exciting — but before you celebrate, let’s clear something up: a Fed rate cut doesn’t automatically mean lower mortgage rates.While it feels like those two things should move together, the truth is that mortgage rates often react before the Fed does — and sometimes in the opposite direction.Why the Fed Cut Doesn’t Equal Lower Mortgage RatesWhen the Fed adjusts its benchmark rate, it impacts short-term lending — things like credit cards, auto loans, and home equity lines. But mortgage rates are tied to long-term bond markets (specifically mortgage-backed securities and the 10-year Treasury yield).By the time the Fed officially cuts rates, the market has already priced it in. Traders, investors, and lenders have spent weeks adjusting to the expectation of a cut — meaning the “good news” is old news for mortgage rates.That’s exactly what we saw after both the September 2024 and September 2025 rate cuts, when mortgage rates actually ticked higher right after the Fed meeting.What’s Really Moving Mortgage Rates Right NowMortgage rates respond daily to fresh economic data — inflation reports, job numbers, and global trends. The Fed, on the other hand, only meets eight times a year, which means they’re often just confirming what the market already knows.So when the Fed cuts rates next week, any benefit for mortgage rates likely already happened back in early September when the data first signaled this move.That’s why you’ll hear me say often: Don’t wait for the Fed to move. The market moves first.What Could Still Change RatesThe one wildcard? The Fed’s words. If Chair Powell surprises markets with new guidance or a change in tone during the press conference, that could shift bond yields — and mortgage rates with them. But the actual rate cut? It’s already baked in.The Bottom LineThe Fed may be cutting rates, but your mortgage rate likely won’t drop overnight. Smart buyers and homeowners stay ahead by watching economic momentum, not just headlines.If you’re considering buying, refinancing, or simply want a personalized rate strategy, let’s connect — I’ll help you design your mortgage plan with clarity and confidence.Warm Regards, Patty NewbyPublished October 27th 2025

Tracking Expenses

Key PointsTrack your expenses by noting what you bought, how much it cost, and its category like dining, entertainment, etc.Make a list of all things you spend money on or will need to spend on in the future, considering categories like rent, utilities, groceries, etc.Use an app, spreadsheet, or other method that suits you to keep a record of your spending.After the first month, evaluate and adjust your spending plan, looking for ways to cut non-essential expenses or earn more income.PAUSE BEFORE CONTINUING: Follow The Video Exercise ---->Tracking expenses means keeping a record of everything you spend your money on. You can use an app on your phone or a spreadsheet on your computer to track your expenses, or both like myself. Whatever you do, just create a system that works for you.Whenever you spend money, track what you bought, how much it cost, and what category of expenses that falls into. For example, “Purchase: Restaurant, Price: $29.50, Category: Dining Out.” Apps can make this fairly quick and simple to do, but you have to create a habit around doing it after every purchase or at the end of each day or week. Otherwise the expenses can pile up. Why is this important?By keeping track of your expenses, you can see where your money is going and make informed decisions about how to adjust your spending. You might also discover that you're spending more on certain things than you realized, which can help you identify areas where you can cut back and save money.And here is another opportunity to relieve your money anxiety. If you’re not sure how much money you’re spending on eating out, but you “feel” like it’s a lot, ignoring your expenses will only create anxiety or poor financial decisions and move you further from living your best life. Ok, let’s do it.Make a list of all the things you spend your money on or will need to spend your money on over the next year.It might be helpful to look back through your expenses over the past few weeks or months. This will give you a pretty good idea of what you might spend money on in the future. If you are new to managing money, then ask your parents or adults in your life to help you with identifying your expenses. We have outlined a few below that you might want to consider. You may also want to create your own categories that make sense to you and what you want to track. Rent or mortgage paymentUtilities (electricity, gas, trash, water, internet)GroceriesTransportation (car payment, gas, car maintenance, public transportation or rideshares)Insurance (health, car, renter’s)Healthcare (doctor’s visits, etc.)Entertainment (eating out, going to the movies, streaming services, etc.)Personal care (skincare products, clothing, makeup, etc.)Education (tuition, books, etc.)Miscellaneous (gifts, unexpected expenses)SavingsPro Tip: Don’t stress too much about your spending plan in the beginning. The point is to learn how you spend your money and create a plan that you can review and adjust. After the first month, you can evaluate how accurate your spending categories are and make any changes you want to for next month. You can also consider looking for additional ways to try cutting some of your “want” expenses (i.e. eating out less) or looking for more ways to bring in money (i.e. picking up a shift waiting tables or babysitting). Warm Regards, Patty NewbyPublished November 5th 2025

Rates Near 3-Yr Lows

A Small Win in a Shaky WeekMortgage rates have been quietly coasting since mid-September, barely budging within a tight 0.05% range. To put that into perspective, the day after the Fed meeting, rates jumped three times that amount in one day.But Friday finally broke the calm. Rates dipped—just slightly—but the move stood out for two reasons.First, we saw rates move from the top of that three-week range to new lows in just one trading session. Second, there was a clear cause behind the move: a surprise statement from the President hinting at a massive new round of Chinese tariffs and calling off any upcoming meetings with China’s President Xi.The market reaction was swift. Stocks tumbled in their biggest one-day sell-off since April, while investors rushed toward bonds—pushing mortgage rates lower in the process.Tariffs have always been a mixed bag for interest rates. Sometimes they push rates down because of slower economic growth; other times, they drive rates higher due to inflation worries. This week’s drop seemed more about investors looking for safety before the long holiday weekend.For now, it’s too soon to tell if this mini-rally will stick. Real momentum usually comes from major economic reports, and with parts of the government still shut down, key data like the jobs report remains on hold.So, while Friday’s dip was a welcome change of pace, don’t expect smooth sailing just yet. As always, we’ll keep watching how these market swings shape real-world mortgage opportunities—and I’ll keep breaking it down here so you don’t have to decode every headline.Warm Regards, Patty NewbyPublished October 13th 2025