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Welcome to the premier resource for all real estate information and services in the area. I hope you enjoy your visit and explore everything my realty website has to offer, including North & East Texas real estate listings, information for homebuyers and sellers, and more About Me, your professional East Texas Realtor.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.

Debbie Wold

Debbie Wold
Sales Representative
EXIT Realty Pro

Direct: 469-595-1752
Office: 903-567-7777

Fax: 903-567-7774

Email: dwold61@gmail.com
For my mobile business card text "SoldByWold" to 85377



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Testimonials

  Over the years of having bought & sold homes in which to live in different areas of the country, I've dealt with a number of Realtors.
  Nearly all were more or less similar....except for two, one was a personal friend who gave loving care to my dying wife.  The other was Debbie Wold who stood out from all the rest because of the level of extra service she provided.
   What made her stand out was that Debbie Wold dealt with every detail herself, making connections when necessary and organizing, gathering, arranging and preparing documentation and meetings for me so that I was free to deal with the numerous other issues that challenged me as I dealt with purchasing a different home hundreds of miles away.
   She explained what they were and why she was making necessary preparations.  The she organized and provided what I need to do explicitly, providing needed legal material for me to sign and initial from many miles away.
   Debbie's extra effort and attention to detail make the difference that enabled me not only to survive the process from far away but to celebrate the sale in far less time than other Realtors who were attempting to sell similar homes in the same area.
Doug Heslip
Debbie rocks!! That is the best way to describe it. She is knowledgeable, creative, uber patient, trustworthy and a good friend. This was our first rural property and the contractual elements are different than an urban property. It was really nice having some you can trust in your corner through the negotiation process. Debbie thanks - we love our new place!! Susan Smith
If you want to find someone that is knowledgeable in buildings/homes and land that will become your new home then you have selected the right person for the job. Carrie Sharp
Debbie is an awesome realtor that always puts her client's best interest first! She has worked several deals for us and she is a trusted adviser. She knows the East Texas market really well! Shane & Laurie Gandy
Our experience with Debbie Wold was magnificent She was very professional yet she has such an uncanny way of making you feel like a friend Debbie kept us aware of what was going on when the loan company was very lacking in all communication. She was respectful towards the loan company yet she was forcefull enough to get them to get the job completed Debbie is very knowledgeable and helpful I would highly recommend her. Nelda McMillan
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Real Estate News

Latest Realty News from NAR

October 2018 Housing Affordability Index

At the national level, housing affordability is down from last month and down from a year ago. Mortgage rates rose to 4.88 percent this October, up 18.7 percent compared to 4.11 percent a year ago.

  • Housing affordability declined from a year ago in October moving the index down 9.7 percent from 162.7 to 146.9. The median sales price for a single family home sold in October in the US was $257,900 up 4.3 percent from a year ago.
  • Nationally, mortgage rates were up 77 basis point from one year ago (one percentage point equals 100 basis points).
  • The payment as a percentage of income was unchanged from last month at 17 percent this October but up from 15.4 percent from a year ago. Regionally, the West has the highest payment at 23.7 percent of income. The South had the second highest payment at 16.5 percent followed by the Northeast at 16.1 percent. The Midwest had the lowest payment as a percentage of income at 13.5 percent.

  • Regionally, the South recorded the biggest increase in home prices at 3.6 percent. The Northeast had an increase of 3.0 percent while the West had a gain of 2.5 percent. The Midwest had the smallest growth in price of 1.4 percent.
  • Regionally, all four regions saw a decline in affordability from a year ago. The Midwest had the biggest drop in affordability of 9.6 percent. The South had a decline of 9.1 percent followed by the Northeast that fell 9.0 percent. The West had the smallest drop of 7.5 percent.
  • On a monthly basis, affordability is down from last month in three of the four regions. The Northeast region had the only gain of 1.7 percent. Both the Midwest and the West shared a decline of 0.6 percent. The South had the smallest dip in affordability of 0.1 percent.

  • Despite month-to-month changes, the most affordable region was the Midwest, with an index value of 185.0. The least affordable region remained the West where the index was 105.3. For comparison, the index was 151.6 in the South, and 154.9 in the Northeast.
  • Mortgage applications are currently up. Mortgage rates continue to rise and home price growth is slowing down to catch up with incomes. Single-family homes are still moving at a face pace however tend to slow down during fall and winter season. Inventory of homes are currently up, which is a welcoming sign for potential homebuyers. Home prices are up 4.3 percent, median family incomes that are growing 3.1 percent helping reduce the pressure of home price growth.
  • What does housing affordability look like in your market? View the full data release here.
  • The Housing Affordability Index calculation assumes a 20 percent down payment and a 25 percent qualifying ratio (principal and interest payment to income). See further details on the methodology and assumptions behind the calculation here.

Property Values By State from 2005-2018

Home price appreciation is an important topic in today’s economy. Using data from the American Community Survey (ACS), we can analyze the gains and losses of property values over time. I estimated the median property values by state in 2018 using the FHFA index and the median property values from the (ACS). I then calculated the growth rate from 2005 -2018. [1]

The states with the highest estimated median property values in 2018 are The District of Columbia ($677,473), Hawaii ($649,272), California ($566,311), Massachusetts ($428,161) and Washington ($384,740).

The states with the lowest estimated median property values in 2018 are Alabama ($148,827), Oklahoma ($139,385), Arkansas ($135,733), Mississippi ($123,586) and West Virginia ($120,720).

On a regional level, the estimated price growth appears to be the strongest in the South, West, and Midwest. Price growth is weakest in the Northeast states. Overall, all regions are displaying strong to moderate growth in property values. Below is a breakdown of the Census four regions by state.

 

  • In the South, which typically leads all regions in sales, The District of Columbia led the region with 76 percent estimated price growth from 2005 to 2018. Maryland experienced 1 percent annual price growth and since 2005, home prices have grown 21 percent.

  • In the West, the least affordable region[2], Montana led all states with 88 percent price growth from 2005 to 2018. Despite the strong price growth in California since 2012, prices have only increased by 19 percent since 2005. Nevada shows a 9 percent price change over this time turning around any previous loss in value.

  • In the Midwest where affordability is most favorable, North Dakota led all states with 115 percent price growth from 2005 to 2018. Illinois, while having the smallest growth in the region had an estimated 12 percent price growth over this time.

  • In the Northeast where sales and price growth is typically slow, Pennsylvania lead the region with a 48 percent price growth from 2005 to 2018. Rhode Island, while having the smallest gain of all states, increased 6 percent price change over this time. Rhode Island is one of two states that turned around a negative property value over this time compared to 2017.


[1] I used the FHFA expanded data set not seasonally adjusted data.

[2] Based on NAR housing affordability index

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