Answers by Ashley Watters

If your contract expires on Thursday, you are generally free to work with another realtor after that date, as you are no longer under obligation to your current agent once the listing agreement expires. It’s courteous and professional to let your current agent know that you will not be renewing the agreement and that you’d like to return any items, like keys and signage. Here’s what you can do: Notify Your Current Agent: Let them know in writing that you will not be renewing the listing agreement after it expires on Thursday. You can also arrange a time to return the keys and sign. Check for Post-Listing Clauses: Some contracts have a protection period (often 30-90 days) that protects the agent’s right to a commission if they procured a buyer before the contract expired. Make sure you understand this section. Be Upfront with Your New Realtor: Since your new agent is a family friend who just got licensed, be mindful they may be learning the process. You may want to provide them with some support or consider whether working with a more experienced mentor alongside them could be beneficial.

Yes, your plan is smart. You have a strong credit score, steady income, and time to make improvements before retiring. Both Cedar Hill and Duncanville currently have good inventory and softened prices, giving buyers more leverage. Right Timing: Buying now lets you secure a good deal and improve the home while still working. Overall, buying now is a wise move. Just make sure to have a local agent help you navigate each neighborhood.

Pay down the $10,000 as quickly as possible. Prioritize on-time payments to rebuild credit. Consider selling small assets or picking up extra income. Look into local home repair grants. As your credit improves, you may qualify for better financing to renovate or refinance later.