Tracy Brandon, Realtor - Coldwell Banker Realty

Name: Tracy Brandon, Realtor - Coldwell Banker Realty
Address: 1225 North Loop West, Ste. 127, Houston, TX, 77008, US
Telephone: +17137056244

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Tracy Brandon, Realtor - Coldwell Banker Realty

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Tracy Brandon is a licensed Real Estate Agent with Coldwell Banker Realty in Houston, TX. Tailored Service. Thoughtful Care. Proven Results.

Blog: https://www.simplifyingthemarket.com/en/?a=847160-eeb27a0123f563fccc15f32527ca84ee

Lifelong Houstonian and Realtor, I blend heart, strategy, and 20+ years of contract negotiation experience to guide clients through buying, selling, and even the most complex real estate challenges. From title theft recovery to estate sales, I bring calm, clarity, and creative solutions to every transaction. Known for my client-first approach, deep local knowledge, and strong community ties, I’m passionate about connecting people with neighborhoods that truly feel like home. Outside of real estate, I’m an advocate for Houston’s music scene and love sharing that passion with my daughter.

10/25/2026

🏡🎉 TWO HOMES UNDER CONTRACT IN ONE DAY! 🎉🏡

Yesterday was a GREAT day for two of my buyers, and I couldn’t be more excited for them! 🥂🔑

But here’s what I really want to talk about…

If you’ve been sitting on the sidelines waiting for interest rates to drop, you might be overlooking one of the biggest opportunities in today’s housing market: NEGOTIATING POWER!

📊 LET’S TALK HOUSTON REAL ESTATE!

According to the Houston Association of REALTORS® September 2026 market report:

🏡 40,192 homes were on the market — UP 6.3% from last year!

📉 Home sales were DOWN 5.7% year over year.

💰 The median home price held essentially STEADY at $325,000.

⏳ Housing inventory increased to 5.5 months, giving buyers more choices.

What does all of this mean for YOU?

More homes to choose from. Less competition in some areas. And potentially more opportunities to negotiate purchase prices, seller concessions, closing costs, and interest-rate buydowns!

💡 HERE’S SOMETHING TO THINK ABOUT…

Would you rather negotiate a great price on a home TODAY, or wait for lower interest rates when more buyers could be competing for the same property?

A lower interest rate is wonderful, but it doesn’t automatically mean a better deal.

The purchase price matters. The seller concessions matter. Your monthly payment matters. And having an experienced REALTOR® who knows how to negotiate matters!

And remember, refinancing may be an option if rates fall in the future, but there’s no guarantee. The key is finding the right home at the right price with financing that works for you TODAY.

❤️ Two of my buyers took advantage of today’s opportunities yesterday, and now TWO homes are UNDER CONTRACT!

I couldn’t be happier for them!

If you’ve been thinking about buying, let’s look at the numbers together. You might be surprised by the opportunities available right now!

The best time to buy isn’t necessarily when rates are lowest. It’s when the right home, the right deal, and the right financial circumstances come together.

🏡 Tailored Service. Thoughtful Care. Proven Results.

Tracy Brandon | REALTOR®
Coldwell Banker Realty
📱 713-705-6244

10/23/2026

🏡📉 BIG NEWS FOR HOMEBUYERS & HOMEOWNERS!

October 22, 2026, brought two encouraging developments for the housing market!

📉 MORTGAGE RATES ARE DOWN!

According to Freddie Mac, the average 30-year fixed mortgage rate dropped from 7.40% to 7.32% this week, providing some welcome relief for prospective buyers.

🏛️ NEW EXECUTIVE ORDER TARGETS HOUSING AFFORDABILITY!

President Trump signed an Executive Order titled Decreasing Housing Costs for the American People, directing federal agencies to pursue changes designed to make buying and owning a home more affordable.

Here’s what could be coming:

✅ Easier mortgage insurance cancellation – Helping eligible homeowners eliminate mortgage insurance once they have sufficient equity.

✅ Lower refinancing costs – Expanding alternatives to traditional title insurance and potentially reducing appraisal and documentation requirements.

✅ Potential relief for certain VA & USDA borrowers – Directing agencies to pursue lower rates on specified government home loan programs.

✅ More affordable housing options – Encouraging expanded factory-built housing to increase available inventory.

✅ Reduced mortgage-related expenses – Additional reviews of lending fees and credit reporting costs.

Important: These initiatives require additional implementation. They are not immediate changes to mortgage rates or loan requirements.

🏠 WHAT DOES THIS MEAN FOR HOUSTON?

According to the latest Houston Association of REALTORS® report:

📍 Median home price: $325,000

📍 Housing inventory: 5.5 months

📍 Pending sales: Down 11.6%

📍 Active listings: Up 6.3%

Buyers have more options, and sellers need to be strategic.

💡 THE BOTTOM LINE

Lower mortgage rates and efforts to reduce homeownership expenses are encouraging developments, but every real estate market is different.

Whether you’re buying your first home, selling your current one, or planning your next move, understanding today’s opportunities is key.

Let’s talk about what these changes could mean for YOU!

Tracy Brandon | REALTOR®
Coldwell Banker Realty

Tailored Service. Thoughtful Care. Proven Results.

Sources: Freddie Mac, White House, HousingWire, Houston Association of REALTORS®.

10/08/2026

🚨 **WHAT IF SOMEONE SOLD YOUR PROPERTY WITHOUT YOUR KNOWLEDGE?**

Sounds impossible, doesn't it?

Unfortunately, it's not. And I know that firsthand.

According to a recent Inman article citing FBI data, real estate fraud accounted for **$275 MILLION in reported losses in 2025.** Business email compromise schemes across all industries exceeded $3 BILLION.

Criminals are using forged deeds, stolen identities, fraudulent wiring instructions, and even artificial intelligence to steal money and property.

**This isn't just another real estate headline to me. It's personal.**

I became involved in uncovering a deed fraud operation here in Harris County that ultimately involved approximately 40 properties.

What started with helping one client reclaim their stolen property led to uncovering a much larger operation, criminal arrests, and a civil judgment exceeding $2.5 million.

My client's property was returned in approximately three weeks, but the experience opened my eyes to just how vulnerable property owners can be.

I've since worked to raise awareness, participated in discussions with local officials, and advocated for stronger protections against deed fraud.

And here's what concerns me most:

**Many property owners have absolutely no idea their property has been targeted until the damage is already done.**

Vacant land, inherited properties, investment properties, and properties owned free and clear can be especially attractive to criminals.

A few things I encourage everyone to do:

🏡 Periodically check your county property records.

🔎 Investigate unexpected notices or changes involving your property.

💻 Never rely solely on emailed wiring instructions. Verify them by calling a trusted number.

⚠️ Be cautious of anyone pressuring you to rush a real estate transaction.

**If you suspect your property has been subjected to deed fraud, PLEASE contact me.**

I have firsthand experience dealing with these situations and can help you understand where to start, what questions to ask, and which professionals or agencies may be able to assist.

Real estate is often our largest financial investment. Protecting that investment is just as important as buying or selling it.

**You don't have to be in the middle of a real estate transaction to become a victim.**

And you certainly shouldn't have to discover that someone else claims to own your property.

📱 Tracy Brandon | 713-705-6244
🏡 Coldwell Banker Realty
🌐 HoustonDeedFraud.com

Please SHARE this. Someone you know may need this information.

📰 Source: Inman, September 22, 2026 — *From Vacant Land to Wire Fraud: What Realtor Safety Means in 2026*

10/08/2026

🏡 **What if you could save more than $300 a month on your mortgage WITHOUT buying a less expensive home?**

With affordability being one of the biggest challenges for today's homebuyers, I think it's important to explore ALL of the financing options available.

One option that deserves more attention is an **Adjustable-Rate Mortgage (ARM).**

Before you scroll past because you remember ARMs from the 2008 housing crisis, hear me out! 😉

Let's look at an example using a **$400,000 mortgage:**

🏠 **30-Year Fixed Mortgage at 7.50%**
Monthly principal & interest: $2,797

🏠 **5-Year ARM at 6.375%**
Monthly principal & interest: $2,495

💰 **That's approximately:**
- $302 LESS per month
- $3,625 LESS per year
- $18,125 LESS over the first five years!

That's real money that could stay in your pocket!

Here's how it works: With a 5-year ARM, your initial interest rate is fixed for the first five years. After that, the rate can adjust up or down based on the terms of your loan.

I've talked about seller concessions and temporary interest rate buydowns before, and those can certainly be great tools. But an ARM is another strategy worth comparing, particularly for buyers who may not plan to stay in the same home long-term.

**Is an ARM right for everyone? Absolutely not.**

There are risks, qualification requirements, and future payment adjustments to consider. That's why working with a knowledgeable lender is so important.

But here's my point:

**Before you give up on a home you love because of the monthly payment, let's explore your options.**

Sometimes the solution isn't finding a cheaper house. It's finding a financing strategy that better fits your financial goals.

I'm a big believer in educating my clients, exploring possibilities, and helping them make informed decisions.

🏡 **Let's talk about what might work for YOU!**

Tracy Brandon
Coldwell Banker Realty
📱 713-705-6244

*Example for illustration only. Payments reflect principal and interest on a $400,000 loan amortized over 30 years and exclude taxes, insurance, HOA dues, and other costs. Rates are hypothetical, not current lender quotes. ARM rates and payments may increase after the initial fixed period. Actual terms, eligibility, and savings vary.*

09/22/2026

🏡 Houston buyers are gaining negotiating power!

CultureMap highlights a Redfin report showing a shift toward buyers—and Houston is near the top of the list:

• Houston ranks #3 among the nation’s strongest buyer’s markets, followed by San Antonio ( #6), Austin ( #7), and Dallas ( #8).

• Houston had an estimated 20,250 buyers and 46,759 sellers in August 2026—about 23 sellers for every 10 buyers!

• That means Houston sellers outnumbered buyers by 130.9%, giving buyers more options and potentially more negotiating power.

• Nationwide, sellers outnumbered buyers by 58%—the largest gap in Redfin’s records.

• Buyers may have more room to negotiate on price, repairs, and closing costs, although desirable, well-priced homes can still attract competition.

• For sellers, thoughtful preparation, competitive pricing, and flexibility are especially important.

Thinking about buying or selling in Houston? Let’s talk about what this means for your neighborhood and your next move! 🔑

Read the full article:

https://dallas.culturemap.com/news/real-estate/top-buyers-markets-in-us/

09/20/2026

OPEN HOUSE TODAY | 2:00–4:00 PM

Come experience everything 1906 Spillers Lane has to offer!

Nestled on a quiet cul-de-sac in Spring Branch, this inviting 4-bedroom, 2.5-bath home offers comfortable living spaces, a beautiful sunroom, a covered patio and thoughtful updates throughout.

📍 1906 Spillers Lane, Houston, TX 77043
⏰ Today from 2:00–4:00 PM
💲 Offered at $610,000

I’m out of town today, but a trusted colleague will be there to welcome you and show you around. Stop by and discover whether this could be your next home!

Tracy Brandon, REALTOR®
Coldwell Banker Realty
Tailored Service. Thoughtful Care. Proven Results.

09/17/2026

🏡 Good news for Houston-area renters: more choices without a major increase in rent!

According to HAR’s August 2026 Rental Market Update, 4,805 single-family homes were leased, an increase of 4.7% from last year. Meanwhile, the average lease price remained virtually unchanged at $2,412.

Townhome and condominium inventory also increased, creating even more opportunities for renters as we move into the fall market.

If you’re thinking about leasing a home—or you’re a property owner curious about what your home could rent for—I’d be happy to help you explore your options.

📲 Tracy Brandon, REALTOR®
Coldwell Banker Realty
713-705-6244
[email protected]

Tailored Service. Thoughtful Care. Proven Results.

Read the full HAR report:
https://www.har.com/content/department/newsroom?pid=2246

09/13/2026

🏡 OPEN HOUSE TODAY | 1906 SPILLERS LANE

Your Sunday plans should include a stop in Spring Branch!

Join me TODAY from 12–2 PM to tour 1906 Spillers Lane, a spacious 4-bedroom home tucked away on a cul-de-sac in an established Spring Branch neighborhood.

Inside, you’ll find generous living spaces, a wonderful sunroom and a layout designed for both everyday living and entertaining. Outside, the covered patio extends the living space even further.

And several of the big-ticket improvements have already been addressed—including the roof, PEX plumbing and HVAC.

📍 1906 Spillers Lane | Houston, TX 77043
🛏 4 Bedrooms | 2.5 Baths
💰 Offered at $610,000
⏰ OPEN TODAY | 12–2 PM

If you’ve been searching for more space in Spring Branch without immediately taking on a major renovation project, come take a second look at 1906 Spillers.

No appointment necessary—just stop by. I’d love to show you around!

Tracy Brandon, REALTOR®
TREC #771718
Coldwell Banker Realty

Tailored Service. Thoughtful Care. Proven Results.

09/13/2026

🏡 OPEN HOUSE TODAY | 12:00–2:00 PM

Do you have friends or family who have been looking for a home nearby? Here’s your chance to make that happen!

Come explore 1906 Spillers Lane in Spring Branch and imagine the possibilities. This thoughtfully maintained home offers a fantastic opportunity to make it your own—with our Vision Collection providing inspiration for what it could become.

While you’re here, enjoy a relaxing afternoon with:

🥤 Sodas & sparkling water

Whether you’re actively house hunting, just curious, or know someone who would love this neighborhood, I’d love to see you!

📍 1906 Spillers Lane, Houston, TX 77043
🕒 Today from 12:00–2:00 PM

Tag a friend who has been saying, “I wish I lived closer!” They just might find their next home today.

09/12/2026

✨ NEW LISTING | 19811 FALCON HILL CT. ✨

Welcome to my newest listing!

🏡 19811 Falcon Hill Ct.
Cypress, TX 77433
💰 Offered at $325,000

This inviting home offers a comfortable, functional layout with plenty of room for everyday living, entertaining and making it your own.

If you’ve been searching for a home in this price range—or you have a client, friend or family member who has—Falcon Hill deserves a look.

📲 Contact me for additional information or to schedule a private showing.

Tracy Brandon, REALTOR®
TREC #771718
Coldwell Banker Realty

Tailored Service. Thoughtful Care. Proven Results.

Address

1225 North Loop West, Ste. 127
Houston, TX
77008

Telephone

+17137056244

Website

http://www.har.com/tracybrandon

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