• Financing, appraisal, and inspection contingencies
• Option period timelines and common mistakes
• How contingencies protect buyers and sellers
• When waiving contingencies makes sense—and when it doesn't

In this episode of Inside Houston Real Estate, hosts Mark Zachary of Next Step Home Loans and Craig Carter with RE/MAX Integrity break down how buyers can confidently choose the right mortgage lender—before it's too late.

We cover:

The difference between banks, credit unions, and mortgage brokers

Why rate isn't the only number that matters

Red flags to watch for before you apply

Questions every buyer should ask before committing

Whether you're a first-time buyer or a seasoned homeowner, this episode will help you avoid common mistakes and choose a lender who can actually get you to the closing table—on time and on terms that work for you.

🎙️ Available now wherever you get your podcasts.

In this listener-question episode of Inside Houston Real Estate, we tackle one of the most common—and most misunderstood—questions in Texas real estate: What are realtor fees in Texas, and who pays them?

Hosts Mark Zachary of Next Step Home Loans and Craig Carter with RE/MAX Integrity break down the typical commission structures in Texas, How fees are negotiated (yes, they are negotiable).

They also break down what buyers vs. sellers should expect and how realtor compensation impacts pricing, offers, and net proceeds

Whether you're buying, selling, or just trying to understand the numbers behind the transaction, this episode clears up the confusion—no fluff, just straight talk.

🎙️ Listen wherever you get your podcasts.