2400 Bruin Drive

Explore this beautiful, modern home in Spicewood, TX! With bright, open spaces and lots of windows, this house feels sunny and welcoming. The floors are shiny and made of wood, making it both cozy and stylish. The kitchen is perfect for cooking and hanging out, with shiny stainless-steel appliances, smooth countertops, and lots of cabinets for storage. The main bedroom is like your own private getaway, with a big bathtub, a walk-in shower, and double sinks. There’s plenty of space in the other bedrooms for family or friends to stay. This home is in a quiet neighborhood close to Lake Travis and other fun places to visit.

2404 Bruin Drive

Step into your dream home in Spicewood, TX! This bright and beautiful house has everything you need to feel comfortable and happy. The open floor plan makes it easy to move around and spend time with family and friends. Big windows let in lots of sunlight, making every room feel warm and inviting. The kitchen is perfect for cooking, with shiny new appliances, lots of counter space, and modern cabinets. The main bedroom is your own private space, complete with a big bathtub to relax in, a walk-in shower, and plenty of storage for your things. There are other spacious bedrooms for your kids, guests, or even a home office.  This home is in a quiet, friendly neighborhood, close to Lake Travis and fun outdoor spots.

25829 Case Lane

Welcome to this beautiful and modern home in Spicewood, TX! It has bright, open spaces with big windows that let in lots of sunshine. The floors are shiny and warm, making the house feel cozy yet stylish. The kitchen is a chef’s dream with sleek cabinets, shiny countertops, and top-notch appliances, perfect for cooking and spending time with family. The main bedroom is like a private retreat, with a big bathtub, a walk-in shower, and lots of space to relax. The other bedrooms are spacious and great for family, friends, or even a home office. Outside, you’ll find a peaceful yard with plenty of room to enjoy the fresh air. This home is in a quiet, family-friendly neighborhood, close to Lake Travis and all the fun activities Spicewood has to offer.

25837 Case Lane

This modern and spacious house has everything you need to live comfortably and enjoy life. The open layout and big windows make the whole home feel bright and airy, letting in plenty of natural light. The kitchen is a dream for anyone who loves to cook, with shiny black cabinets, sleek countertops, and high-end appliances. The living spaces are perfect for relaxing with family or entertaining guests, and the cozy fireplace adds a touch of warmth and charm. Upstairs, you’ll find large bedrooms with plenty of closet space and bathrooms that feel like your own private spa. This home is located in a quiet neighborhood, just a short drive from Lake Travis and all the outdoor fun that Spicewood has to offer.

ALERT: Student Loan Deferment

ALERT: This is dropping clients scores, 60 to 100 points - There are 3.3M Americans in student loan deferment. It may impact you or buyers today and tomorrow. See my youtube channel for a deeper dive ----->

Your Money, Your Future – Money Basics

Managing your money like a pro is the key to owning your future. Mess it up, and things can get stressful real fast. But get it right, and you’ll have way more freedom and control over your life.At the end of the day, it’s all about the choices you make. And guess what? We’re here to help. We’ll break things down in a way that actually makes sense, give you fresh ways to think about your finances, and hook you up with fun, interactive tools to help you hit your goals.Your future is yours to design—so let’s make it happen!Money = Freedom: Here’s How to Take ControlLet’s be real—understanding money is the key to real stability and freedom. But the way our parents or teachers handled their finances might not work for us. Luckily, we have the internet and social media at our fingertips, giving us access to all the info we need. The catch? There’s also a ton of misinformation and unrealistic expectations floating around. So, let’s cut through the noise and focus on the basics:1. Save & Budget Like a Boss – Spend less than you make. That’s the golden rule. Once you’ve got your budget locked in, you can start putting money toward bigger things—investments, travel, or whatever matters most to you.2. Build That Emergency Fund – Life happens. Make sure you have 3–6 months’ worth of expenses saved up. And don’t just let it sit—put it in a High-Yield Savings Account so it grows while staying safe.3. Credit = Adulting Power – A solid credit score can make or break your ability to rent an apartment or buy a home. Pay your bills on time, don’t max out your credit cards, and use credit wisely.4. Invest, Invest, Invest – Your money should be working for you. Stocks, bonds, real estate—whatever fits your style. The earlier you start, the better your returns.5. Retirement Isn’t Just for Boomers – The sooner you start saving for retirement, the more your money grows (thank you, compound interest!). Look into a 401(k) or IRA and let time do the heavy lifting.Bottom line: Money doesn’t have to be overwhelming. Get these basics down, and you’ll be setting yourself up for the financial freedom you deserve.

2025 Housing Market Insights: Get Ahead of the Game!

Why The Fed Rate Didn’t Help Mortgage Rates This Week

I will make this short, sweet and as easy to read as possible! Below, are several strategies for understanding disconnect between Fed Funds Rate and Mortgage Rate. Also included are some graphs for visuals -------->Strategy 1: Think of mortgage rates as broadly correlated with the Fed Funds Rate, but with the important ability to adjust for probable changes in the Fed Funds Rate well before the Fed actually cuts/hikes.Mortgages are based on bonds and bonds can move continually on any business day. Contrast that to the Fed Funds Rate which can only move once every 6 weeks. That means mortgage rates can react to all of the news and data that will eventually lead the Fed to cut rates, which is exactly why mortgage rates have been moving lower recently. Bottom line: the Fed was getting caught up to movement that already took place in the rest of the rate market. In fact, the rest of the rate market is already planning on several more cuts. Strategy 2: Understand that the Fed Funds Rate is like a 1 day loan whereas the average mortgage lasts a number of years. Loans with short and long time frames have different rates and can behave differently on any given day. Sometimes, longer term rates like mortgages can move in completely different directions from the shortest-term rates. This wasn't necessarily a major factor this week, but it's another reason for potential disconnects to be aware of. Strategy 3: Understand that financial markets were already well aware the Fed was going to cut.You may have heard the term "buy the rumor, sell the news." This refers to traders acting upon events that have a high likelihood of playing out as expected (i.e. "buying the rumor"), thus participating in a wave of momentum that makes those trades more and more profitable before ultimately exiting those trades (i.e. "selling the news") when the news finally happens. Strategy 4: Consider the nuances in Fed day information.In addition to the Fed rate cut itself, which was widely assumed, there were other more important aspects of Fed day. These included the member's rate forecasts via the "dot plot" as well as Fed Chair Powell's press conference. The dot plot was actually somewhat beneficial for bonds/rates, but Powell's press conference took things back in the other direction.   Last but not least...If you happened to see news headlines the day after the Fed announcement that suggested mortgage rates had, in fact, moved significantly lower, it was likely due to Freddie Mac's weekly mortgage rate survey--the one that uses a 5 day average through each Wednesday before being reported on Thursday. As such, Freddie's rate can be very stale compared to daily changes in rates.  It is true that we saw the lowest rates in a year and a half last Thursday and Friday. Some lenders were at the same levels again on the Tuesday before the Fed announcement, but the average moved higher after that.  Even so, rates remain very close to long-term lows with the average lender more than 1.5% below the long-term highs from late 2023. Incidentally, this remarkably similar to amount the Fed expects to cut rates in the coming years... almost as if the mortgage market can get in position for future Fed rate cuts well in advance?The chart below shows the dot plot from this week's Fed meeting compared to the next most recent dot plot released in June 2024. Blue dots are new. Red dots are old. Note the downward migration. Each dot is one Fed member's outlook: