Creative Strategies for Navigating Today’s Real Estate Market
How to Make the Most of High Rates, Low Inventory, and Your Current Mortgage

Are rising interest rates keeping you from making a move? You’re not alone.

Many homeowners are feeling stuck—tied to their low-interest mortgage while higher borrowing costs and limited inventory create hesitation around selling or buying. But even in today’s challenging market, there are opportunities—you just have to know where to look.

Whether you’re dreaming of owning your first home, investing in land, or finding the perfect ranch property in Texas, the path forward may not be as difficult as it seems. With a little creativity and the right team behind you, real estate goals can still become reality.

1. Leverage Your Home Equity

If you’ve owned your home for a while, chances are you’ve built up a good amount of equity. Instead of selling, consider using a home equity loan or HELOC (home equity line of credit) to:

• Finance a second home or investment property

• Remodel or expand your current space

• Purchase land for future development

This allows you to tap into the value of your home without sacrificing your low-interest mortgage—and it could be the stepping stone to your next chapter.

2. Explore Rental Income Potential

Still need to move but hesitant to sell? Turning your current home into a rental could generate passive income while preserving your equity. Many buyers are using this strategy to:

• Offset mortgage payments

• Create long-term investment income

• Enter the landlord market without losing a great interest rate

This approach is especially smart in high-demand rental markets, where monthly rents may exceed what you currently owe.

3. Consider Creative Financing Solutions

Think you can’t buy right now because of a big down payment? Think again.

There are several programs and options that can help buyers, especially first-timers:

• Low or no down payment loan options

• Owner financing or lease-to-own deals

• Grants and assistance programs for Texas buyers

• Land financing for rural and ranch properties

At Preferred Properties of Texas, we work closely with lenders who understand the local market and can walk you through creative solutions that fit your situation.

📲 Use our Down Payment Calculator to see what your future could look like.

4. Buy Before You Sell—Yes, It’s Possible

If you’ve got your eye on a dream home but haven’t sold your current one, don’t panic. Bridge loans, contingent offers, or home equity strategies may give you the ability to act quickly without leaving money on the table.

Each situation is unique—and that’s why personalized guidance is key.

5. Land and Ranch Property Dreams? Now’s the Time to Plan

In Texas, land and ranch properties remain a hot commodity. If you’re waiting for the “perfect” time to buy, consider starting now:

• Prices are holding steady in many rural markets

• Land loans often have different terms than residential mortgages

• The buying process can take time—especially with larger tracts

Preferred Properties of Texas specializes in land and ranch sales. Whether you’re seeking 5 acres or 500, we can help you understand zoning, utilities, financing, and everything in between.

We’re Here to Help—Wherever You Are in the Journey

At Preferred Properties of Texas, our experienced agents have been helping buyers and sellers navigate changing markets for over 30 years.

Located in Stephenville, we proudly serve not only Erath County, but also Hood, Hamilton, Bosque, and surrounding areas. We believe that with the right strategy, you can move forward—even in a market like this.

✅ First-time buyer?
✅ Want to invest in land?
✅ Stuck in your current home and unsure what to do next?

Let’s talk about your options.

📞 Call us today at 254-965-7775
🌐 Visit preferredpropertiestx.com

Don’t wait for perfect conditions—create them.
With the right strategy and support, today’s challenges could become tomorrow’s opportunity. Let us at PPTX Real Estate Agency help you take the next step.