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Refind Realty Blog:


By Steven J. Thomas
If you're getting ready to sell a home in Red Oak, you've probably got a mental list of projects a mile long. New countertops. Fresh landscaping. Maybe that bathroom remodel you've been putting off for years. Here's the problem: in the 2026 DFW buyer's market, some of those projects will put money in your pocket and some will quietly drain it. Knowing the difference is the whole game.
Before selling in Red Oak in 2026, fix what inspectors flag and buyers notice first: roof issues, HVAC problems, plumbing leaks, scuffed paint, and tired curb appeal. Skip major remodels like kitchen overhauls and room additions, because they rarely return their cost at closing. Run your plan through the DFW Home Value Maximizer before you spend a dollar.
Red Oak isn't the market it was three years ago. According to Redfin data through April 2026, the median sale price in Red Oak sits around $377,000, down about 2.8% from the same period last year, and homes are taking roughly 90 days to sell. Orchard's market report shows over 300 active listings in the area, up more than 6% year over year.
Translation: buyers have options, and they're comparing your house against dozens of others, including brand-new builds down the road in the Red Oak and Waxahachie corridor. A house with obvious deferred maintenance gives buyers two things you don't want to hand them: a reason to lowball you and a reason to walk away. In a market with 90-day average sale timelines, condition is what separates the homes that sell in three weeks from the ones that sit all summer.
Roof damage, HVAC issues, water heater problems, plumbing leaks, electrical concerns. These items kill deals in Ellis County every week. Buyers in 2026 are cautious, and their inspectors work for them, not you. A $450 plumbing repair done now beats a $3,000 credit demanded at the negotiation table later. If your HVAC is old but working, get it serviced and keep the receipt. Documentation calms nervous buyers.
You don't need to repaint the whole house. Focus on high-traffic rooms with scuffs, bold colors, or kid art on the walls. Neutral, warm tones photograph better, and in a market where every buyer sees your home online first, photos decide which houses get showings. Expect to spend $300 to $800 per room professionally, less if you do it yourself.
Red Oak buyers often drive neighborhoods before they ever call an agent. Fresh mulch, trimmed shrubs, a mowed lawn, a clean or freshly painted front door. Most sellers can handle this for under $500, and it changes the first impression entirely. North Texas summer heat is brutal on lawns, so plan watering ahead of your listing photos.
Stretch wrinkled carpet, fix loose tiles, repair damaged planks. Full flooring replacement only makes sense when what's there is genuinely scaring buyers off, like heavily stained carpet in the main living areas. When you do replace, choose mid-grade options. Buyers at Red Oak price points don't pay extra for premium flooring, but they do subtract for bad flooring.
Dripping faucets, loose doorknobs, burned-out bulbs, cracked outlet covers, squeaky hinges. Each one costs almost nothing to fix. Together, they tell a buyer this home was either cared for or it wasn't. Buyers extrapolate. If the doorknob is loose, they wonder about the foundation. Don't let $40 worth of hardware cost you thousands in buyer confidence.
A $45,000 kitchen remodel does not add $45,000 to your sale price in Red Oak. National remodeling cost-versus-value data has shown for years that major kitchen overhauls return well under their cost at resale. If your kitchen is dated but functional, clean it, paint the cabinets, update the hardware, and price the home accordingly. Let the next owner remodel to their own taste.
Adding square footage before a sale almost never pencils out. You'll spend builder-level money without builder-level economies, and appraisers may not credit you for all of it. The same goes for converting garages. Many DFW buyers want their garage back, and you might shrink your buyer pool while spending money to do it.
Basic curb appeal pays. A $15,000 outdoor kitchen does not. Buyers see elaborate outdoor projects as maintenance they're inheriting, not value they're buying.
Adding financed systems on your way out the door creates complications, especially leased solar, which can tangle up your closing. If systems work, service them and disclose honestly.
This is a buyer's market across DFW, and the data backs it up. You can see the broader Red Oak numbers on Redfin's Red Oak market page and Orchard's Red Oak market report. With rates holding in the mid-6s per Bankrate's June 2026 rate survey, buyers are payment-sensitive and picky. Homes that show well and are priced right still sell. Homes that need work and are priced like they don't are the ones collecting price cuts.
Here's what a smart pre-listing prep budget usually looks like for a typical Red Oak home, based on current conditions:
Compare that against a $45,000 remodel that might return 60 cents on the dollar. The targeted approach protects your equity. Every home is different, which is why I walk sellers through the Dallas Home Seller Checklist before they spend anything.
Here's something many Red Oak sellers miss. Your competition isn't just other resale homes. Builders are active across the Red Oak, Glenn Heights, and Waxahachie corridor, and they're offering incentives like rate buydowns and closing cost credits to attract buyers. A buyer comparing your 15-year-old home against a new build with a discounted rate needs a reason to choose yours.
That reason is value: a well-maintained home, in an established neighborhood with mature trees and no construction noise, priced honestly. You can't out-new a new build. You can out-value one. That starts with fixing the right things and pricing with the market, not against it. If you want to know how your home stacks up before you list, your free Home Selling Score shows you exactly where you stand.
Selling in Red Oak in 2026 comes down to discipline. Fix what buyers and inspectors will actually notice. Skip the big remodels that feel productive but eat your profit. Price to today's market, not 2022's. Sellers who do those three things are still selling, even with 300+ homes on the market.
I'm Steven Thomas, a real estate broker and loan officer based right here in southwest DFW. I've spent 14+ years helping sellers in Red Oak, DeSoto, and across Ellis and Dallas counties protect their equity, and because I handle both the sale and the financing side, I see what makes deals fall apart from both angles.
Start with the DFW Home Value Maximizer to see which updates add real value to your home.
Browse what your competition looks like on the Lone Star Living App.
Or just book an appointment and we'll build your prep plan together. Call or text 972-846-9170.
You're Always Home with Steven J. Thomas.
Start 30 to 60 days before listing. That gives you time for repairs, paint, and photos without rushing. With Red Oak homes averaging around 90 days on market in 2026, listing a fully prepped home matters more than listing fast.
Repairs protect your contract price more than they raise your appraisal. A clean inspection keeps buyers from renegotiating after the option period, which is where most sellers lose money in this market.
You can, but expect buyers to discount aggressively or demand credits after inspection. In a market with 300+ active Red Oak listings, as-is homes compete mostly on price. If speed matters more than price, ask me about cash offer options instead.
Builders in the Red Oak and Waxahachie corridor offer incentives that resale sellers can't match, like rate buydowns. Your edge is condition, an established lot, and honest pricing. A well-prepped resale home still wins with buyers who don't want to wait on a build.
Most targeted prep, including repairs, paint, and curb appeal, takes two to four weeks. Bigger items like flooring replacement can add another week or two. Build your timeline backward from your target listing date.
Download the Lone Star Living App at lonestarliving.hsidx.com/@sthomas to browse live Red Oak listings, see what competing homes look like, and track what's actually selling in your neighborhood.
Equal Housing Opportunity. Steven J. Thomas, Broker, Refind Realty DFW. Loan Officer, Envision Home Lenders, NMLS #689220. Market data based on current conditions as of June 2026 and subject to change.

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I used this realtor and it was a great experience. He was patient and very helpful with our journey. He also helped us find a great lender with little hassle on the process, also got us approved for well above the market of our original home so we were able to get more house with a lower mortgage rate. So to anyone who is interested in buying a home take my advice give Steven a call. It’s worth it 😁


Steve was absolutely amazing! Everything was easy! Very professional in all aspects. Punctual, responsive, and diligent. He goes above and beyond to ensure you get to see as many homes as you’d like no matter the location. Not only was he knowledgeable about home buying, he also has a resourceful network for new home owner needs. I recommend Refind Realty to everyone!


I definitely recommend Steven to assist with your home buying needs. As a first time home buyer the process can be overwhelming, but as my realtor he was knowledgeable & patient while addressing my concerns and assisting me with my new home purchase. Thanks again Steven!! :-)

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.
When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.
There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:
1 - Government-backed loans (FHA, VA and USDA):
(a) - Are, unsurprisingly, backed by the government.
(b) - Include FHA loans, VA loans, and USDA loans.
(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.
2 - Conventional loans
(a) - Are not backed by the government.
(b) - Include conforming and non-conforming loans (such as jumbo loans).
(c) - Make up more than 60 percent of the loans generated in the U.S. each year.
1 - FHA LOANS:
FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.
FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.
Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.
2 - VA LOANS:
VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.
Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.
3 - USDA LOANS:
You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.
Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.
Conventional loans are divided into two types: Conforming loans and non-conforming loans.
1 - CONFORMING LOANS:
Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.
The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.
Properties with more than one unit have higher limits.
2 - NON-CONFORMING (JUMBO) LOANS:
But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.
Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.
Rate types: Fixed-rate vs. adjustable-rate mortgages.
In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.
An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.
Site: www.stevenjthomas.com
Call :(713) 505-2280
Email: [email protected]
Office 128 S. Cockrell Hill Rd, DeSoto TX 75115
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