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You can absolutely use home equity to purchase a new home. This strategy allows you to borrow against the ownership stake you've built in your current home to fund a second property purchase, whether it's a vacation home, rental property, or investment flip.

The three primary methods are home equity loans (lump-sum payments), HELOCs (revolving credit lines), and cash-out refinances (replacing your existing mortgage). Most lenders allow you to access 80-85% of your available equity, though some restrictions apply when using these funds as a down payment on a mortgaged property.

This approach offers significant advantages including larger down payments, all-cash offer capability, and preserving your existing mortgage. However, you're putting your…

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The Austin housing market is experiencing a meaningful correction after the extreme run-up of 2021-2022. In Q4 2025, median home prices hover around $440,000, down roughly 18% from the 2022 peak of $550,000. Inventory has improved dramatically compared to recent years, giving buyers substantial negotiating power. Homes sell in 50-60 days on average, and the market has shifted decisively in favor of buyers.

This represents a fundamental recalibration from the unsustainable seller's market of 2021-2022. The correction that began in 2023 continues through 2025, creating what market analysts call a "normalization" period where prices align more closely with local fundamentals.

As we move through Q4 2025 and look toward 2026, buying a property in Austin…

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Is 2025 the moment to finally buy your Austin home, or the year to wait just a little longer? Some see opportunity in today’s calmer market. Some see risk in higher rates. Some wonder if patience will pay off. Austin’s real estate scene, once a frenzy of bidding wars and skyrocketing prices, now feels like a marathon runner catching its breath after a sprint. The market has shifted, but the question remains: what should you do next?

This blog unpacks the current state of the Austin housing market, the pros of buying now, the reasons to wait, and the key factors that should guide your decision. Along the way, you’ll find expert strategies that can help you chart the best course in 2025. 

Key Insights for Buying a Home in Austin Now or Should You…

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