Tom Zibelin | Premier Town and Country Real Estate

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Tom Zibelin

(210) 241-9516

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Climate Risks Reshape Real Estate

12MAY

Locked In and Holding Out: How Low Mortgage Rates Are Freezing the Housing Market

The U.S. housing market is grappling with a persistent shortage of homes, and one major reason is the “lock-in effect.” Homeowners with ultra-low mortgage rates secured during the pandemic are reluctant to sell, even as market demand grows. This hesitance is tightening inventory, driving up prices, and reshaping the dynamics of both buying and selling real estate in 2025.

05MAY

Buy a Home, Keep the Seller’s Rate

With interest rates nearing 7%, many homebuyers in the U.S. are exploring assumable mortgages as a strategic way to save money. By taking over a seller’s existing home loan with a lower interest rate, buyers can reduce their monthly mortgage payments significantly. This article explains how assumable mortgages work and why they’re gaining popularity in today’s housing market.

New Braunfels, Comal County

New Braunfels is a city in Comal County, Texas. The city is located at 29°42’11”N and 98°7’28”W. According to the United States Census Bureau, the city’s population was 66,394. According to the last census, the median income for a household in the city was 61,330. Please visit the city page on my website and you’ll be able to see all real estate data and detailed New Braunfels statistics.

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New Braunfels, Comal County@Seguin, Guadalupe County@San Antonio, Bexar County
/buildings_new_braunfels_idChIJHQnM4-6bXIYRZzUSSiOc7Vk@/buildings_seguin_idChIJx_07MBq4XIYRTNRJ0QrQ2Jo@/buildings_san_antonio_idChIJrw7QBK9YXIYRvBagEDvhVgg
New Braunfels is a city in Comal County, Texas. The city is located at 29°42'11''N and 98°7'28''W. According to the United States Census Bureau, the city's population was 66,394. According to the last census, the median income for a household in the city was 61,330. Please visit the city page on my website and you'll be able to see all real estate data and detailed New Braunfels statistics. @Seguin is a city in Guadalupe County, Texas. The city is located at 29°34'8''N and 97°57'53''W. According to the United States Census Bureau, the city's population was 27,041. According to the last census, the median income for a household in the city was 39,314. Please visit the city page on my website and you'll be able to see all real estate data and detailed Seguin statistics. @San Antonio is a city in Bexar County, Texas. The city is located at 29°25'27''N and 98°29'37''W. According to the United States Census Bureau, the city's population was 1,436,697. According to the last census, the median income for a household in the city was 48,869. Please visit the city page on my website and you'll be able to see all real estate data and detailed San Antonio statistics.

I know everything about Real Estate. Contact Me!

Tom Zibelin

Premier Town and Country Real Estate

287 San Marcos Trail New Braunfels, TX 78132

Email: tomzibelin@gmail.com

Phone: (210) 241-9516

I take the time to listen carefully to understand my client’s needs, wants and concerns. I will be ready to take quick action when required and spend more time with those who aren’t quite sure which direction to take. My genuine concern for my client’s best interests and happiness ensures the job is done!