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By Steven J. Thomas — Refind Realty DFW | Envision Home Lenders · Updated June 3, 2026
If you are thinking about selling your home in DeSoto, Cedar Hill, or anywhere across southwest DFW this year, you have probably noticed the headlines. More homes for sale. Longer days on market. Price cuts everywhere. It is enough to make any homeowner nervous. But here is what those headlines miss: well-prepared, correctly priced homes are still selling, and their owners are walking away with strong equity. The difference between a house that sits for four months and one that closes in a few weeks usually comes down to a handful of decisions you control. Let me show you how to make them.
To sell fast in DFW's 2026 buyer's market without gutting your price, you price to today's comparable sales (not last year's peak), prep and stage before you list, present the home with professional photos, and offer a strategic concession like a rate buydown instead of a blanket price cut. Homes priced right in the first two weeks still sell near asking. Start by checking your Home Selling Score to see where you stand.
DeSoto homes were listing around a $496K median as of June 2026, with longer days on market than we saw a couple of years ago, according to Zillow market data. The homes that linger almost always share one trait: they were priced to the seller's memory of 2022, not to what buyers are actually paying today. The ones that sell quickly are priced to recent comparable sales and shown in their best light. If you are weighing your options in DeSoto, the home selling options menu lays out the paths, from a traditional sale to a cash offer.
Cedar Hill buyers have plenty of choices right now, which means your home has to stand out in the first three photos or it gets scrolled past. Sellers here who invest a little in paint, decluttering, and professional photography consistently get more showings than neighbors who skip those steps. You do not need a full renovation. You need the home to feel move-in ready the moment a buyer pulls up the listing. See what simple updates return the most in the DFW home improvement guide.
In Mansfield, the median sale price ran near $580K in early 2026 with homes taking roughly 87 days to sell, per Movoto. The challenge here is builder competition. Production builders are offering rate buydowns and upgrades just down the road, so your resale home has to answer that with either a sharper price or a concession of your own. The good news is that an established home with a real yard, mature trees, and no PID assessment still has plenty of appeal — you just have to market those advantages clearly.
Pro Tip: The single most expensive mistake sellers make is overpricing the first two weeks, when buyer interest is highest. A pre-listing pricing review and your Home Selling Score keep you from burning that window.
The pattern is clear. This is not a market where you list high and wait for a bidding war. It is a market where the first impression and the first price decide everything. Homes presented well and priced to current comparable sales are still closing near asking, while overpriced listings collect price cuts and stale days on market. For a broader read on what is happening across the metro, the MetroTex market update confirms the shift toward buyer leverage.
Selling well costs a little up front and saves a lot at closing. Here is a realistic range for a typical southwest DFW home. These figures are based on current conditions and vary by property.
Compare that to the cost of a stale listing. Every month your home sits, you carry the mortgage, taxes, and insurance while the listing ages and invites lowball offers. A few thousand in smart prep almost always returns more than it costs by protecting your final sale price. The Home Value Maximizer helps you see which improvements pay off in your specific neighborhood.
Here is something most sellers overlook. Your competition is not just the resale home two streets over. It is the brand-new home a builder is selling a mile away with a 5% rate buydown and a designer kitchen. When buyers can finance a new build at a lower effective rate, your established home has to win on something else: location, lot size, mature landscaping, a finished yard, no construction zone, and no PID or MUD assessment piling onto the tax bill.
The way you beat new construction is to market those advantages on purpose and to match the builder's financing pitch with a concession of your own. A seller-paid rate buydown can make your payment competitive with the new build down the street while keeping your price intact on paper. If you want to understand the full menu of seller strategies — from a traditional listing to Sell and Stay while you build — the home seller guides break each one down.
This is where working with someone who handles both the sale and the financing changes your outcome. I am a broker and a loan officer, so when we list your home I can structure a buyer incentive that actually moves the needle on a buyer's monthly payment instead of just shaving your price.
Think about it from the buyer's side. A $10,000 price cut on a $450K home barely changes the monthly payment. But that same $10,000 applied as a 2-1 buydown can drop the buyer's payment by hundreds of dollars in the first two years — the exact thing that gets a nervous buyer off the fence. That is a smarter use of your concession dollars, and it is the kind of strategy most listing agents never bring up because they do not do financing. The goal is to sell quickly and protect your equity, and the way you do that is by making the offer irresistible without simply chasing the price down. Ready to map out your plan? Start here.
"In a buyer's market, the seller who controls the payment controls the sale. Price gets the click; financing gets the offer."
The 2026 DFW market rewards sellers who prepare and price with discipline, and it punishes the ones who list on hope. You do not have to slash your price to sell — you have to present your home well, price it to today's buyers, and use a targeted concession to win the offer. Avoid the trap of overpricing the first two weeks, because that is when your best buyers are watching. Get the prep right, get the photos right, and get the financing strategy right, and your home can still sell quickly and near asking even with more competition on the market. The sellers who win this year are the ones who treat it like a plan, not a gamble.
Want to know exactly where your home stands before you list? Check your Home Selling Score. Ready to build your selling plan? Book a free strategy call. Curious what is selling near you? Download the Lone Star Living App for live DFW market data.
You're Always Home with Steven J. Thomas.
Homes that sold across the metro averaged in the low 70s for days on market in early 2026, but well-prepared, correctly priced homes often go under contract much faster. Overpriced listings are what drag the average up.
Not necessarily. Pricing to current comparable sales matters, but you can often win the offer with a targeted concession like a rate buydown instead of a blanket price cut, which protects more of your equity.
The fix is usually price or presentation, not panic. A quick review of your photos, showing feedback, and pricing against fresh comparable sales tells you which lever to pull before you lose more time.
Market the advantages a builder cannot match: an established lot, mature trees, a finished yard, a proven location, and no PID or MUD assessment. Then match the builder's financing pitch with a seller-paid buydown of your own.
Sooner is usually better than waiting, because more inventory tends to arrive as the year goes on. The right timing depends on your equity, your next move, and your local comparable sales, which we can map out together.
Download the Lone Star Living App for live MLS data across DeSoto and DFW, so you can track real sale prices and days on market in your neighborhood.
Steven J. Thomas · Refind Realty DFW · Envision Home Lenders · NMLS #689220 · 128 S. Cockrell Hill Rd, DeSoto, TX 75115 · 972-846-9170. Market data is based on current conditions at the time of writing and is not a guarantee of price, timeline, or outcome. Equal Housing Opportunity.

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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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