Find your next address.
Full MLS access, off-market inventory, and financing paths beyond the conventional, whether you're pre-approved, self-employed, building credit, or paying cash.
On the market right now.
Every active Deal Smith Realty listing, straight from the MLS feed. For the rest of the market and our off-market book, start a search below.
Three ways to buy. One honest conversation.
Most agents only talk about the first one. We structure whichever path actually works for your situation.
Conventional & FHA
The standard path. Down payment, pre-approval, bank underwriting. We have lender partners who close in 21 days and answer their phones at 7pm.
Sub-to & wraps.
Take over the seller's existing low-rate mortgage. Closed two deals at 2.9% this year when banks were quoting 7.1%. Legal, legit, documented with title.
Seller finance & lease-option.
The seller is the bank. Flexible terms, no bank underwriting, room to negotiate. The right fit for self-employed buyers, credit-builders, and investors.
Three steps. Thirty seconds.
Tell us what you're after. We'll hand-match listings and set up alerts. A real broker reviews every submission, no drip, no spam, no bots.
- ✓ Reviewed personally within 24 hours
- ✓ SMS + email alerts for new matches
- ✓ Includes off-market inventory
- ✓ Never sold, never shared, never spammed
Get pinged when a match hits the MLS.
Save any search (we'll remember your filters, neighborhoods, and financing preferences). We'll text you within two hours of a new listing matching your criteria, before it shows up on Zillow.
Questions buyers actually ask.
Constantly. A lot of our buyers are buying their first home, whether W-2, self-employed, or putting together creative financing. We'll walk you through pre-approval, the inspection process, and what to expect at closing.
We also work with TREC-approved lender partners who specialize in FHA, VA, and first-time buyer down-payment assistance programs in Texas.
Sub-to (subject-to) means you take over the seller's existing mortgage, the loan stays in their name, but you own the house and make the payments. You get their rate.
Seller financing means the seller acts as the bank, they hold a note you pay directly, with negotiated terms, no existing loan involved.
Both are documented through title with real contracts. We've closed dozens. See our Solutions page for the full primer.
We maintain a private network of sellers, investors, and wholesalers across Central Texas, homes that never hit the MLS. When you sign up for a saved search, we match against both the public MLS and our off-market book. Some of the best deals this year came from that book.
Often, yes. Our showing availability is same-day or next-day for anything on the MLS. Off-market showings are coordinated with the owner, usually within 48 hours.
Buyer representation is typically covered by the seller's listing commission, that's been the Texas norm for decades, and it continues post-NAR settlement in most MLS listings. On the rare listing that doesn't, we agree on a flat or percentage fee up front, in writing, before you see the home. No surprises.
Derek personally reviews every submission within 24 hours. You'll get a call or a text (your preference) to schedule a 30-minute intro call. On the call we pull comps for anything you're eyeing, map a financing path, and, if you want to proceed, start your saved searches.
Thirty minutes. No obligation.
Tell us about the deal, the house, or the portfolio. We'll tell you, honestly, whether we can help and how.