Elena Garrett, Realtor in Dallas Texas - My Blog

Residential and Investment Properties in Dallas - Fort Worth

Elena Garrett, Realtor in Dallas Texas - My Blog

Want a Lower Mortgage Payment? Don’t Just Negotiate the Price. Negotiate the Interest Rate!

by Elena Garrett, Realtor, KW Central | Nov 2026 Why lowering the purchase price isn’t always the most effective way to make a home more affordable You’ve found a house you love. It’s listed for $300,000, and it’s almost perfect. The location works. The size is right. It has the Read more…


Finding a More Affordable North Texas Home by Looking for Lower Property Taxes

By Elena Garrett, Realtor | Nov 2026 How the same purchase price can produce a very different monthly payment “My total housing budget is $2,000 a month. Where can I find a home I can afford?” When buyers ask me this question, we naturally talk about purchase prices, bedrooms, and Read more…


How Much Would the Monthly Payment Be on a Home in DFW?

By Elena Garrett, Realtor, KW Central A purchase-price, monthly-payment, and cash-to-close reference chart | November 2026 “If I buy a $250,000 house, what would my monthly payment be?” It’s one of the questions I hear most often. The honest answer is: it depends. Two buyers purchasing houses at the same Read more…


Bridge Financing: Solving Buying One Home While Selling Another Home Conundrum

by Elena Garrett, Realtor, 2026 Buying a home when you already own one creates a problem that sounds deceptively simple: Which comes first — selling the house you have, or buying the house you want? Sell first, and you know exactly how much money you have available for the next Read more…


DSCR Loans For Rental Properties

In this insightful session, we dive deep into the realm of Debt Service Coverage Ratio (DSCR) Loans, a pivotal concept for anyone looking to step foot into property investment. This video is more than just a tutorial; it’s a treasure trove of expert advice, practical examples, and answers to pressing questions that every investor, novice or seasoned, needs to know.


Realtor Commission Lawsuit and What it Means for Home Buyers and Seller (Sitzer-Burnett Lawsuit)

Are you ready for a real estate shake-up? Hold on tight because the game is changing, and it’s hitting home buyers and sellers where it hurts the most – their wallets! Get this: a legal bombshell called the Sitzer-Burnett lawsuit just dropped right before the Thanksgiving holidays, and it’s turning the real estate world upside down.


Father’s Day Reflection: Financial Planning for Modern Day Fathers

by Elena Garrett, June 16, 2023 Financial wellness is crucial for fathers, and it’s important to consider various strategies to secure their future and the well-being of their families. Budgeting and Planning: Create a comprehensive monthly budget to manage income and expenses effectively. This will lay the foundation for your Read more…


A Mother’s Day Gift That Lasts A Lifetime

Celebration of Mother’s Day typically comes with bouquets of flowers, boxes of chocolates, fruit baskets, photo frames, and other cute but meaningless gifts that rarely address the true financial and personal sacrifices that women and mothers do for their families. This year, consider doing something more meaningful and more unique. Read more…


Protect Your Mortgage & Your Income Security

A well-designed insurance policy can pay off the entire remaining balance of your mortgage, as well as cover the costs of other living expenses for your family in the event any of the following happens to you or your spouse:
death
long-term disability
critical illness (such as cancer, heart attack, stroke, organ failure, loss of mobility, etc)
terminal illness
serious illnesses preventing employment for 90 days or more


Applying for a Homestead Exemption in Texas

The completed application and required documentation are due no later than April 30 of the tax year for which you are applying.