Texas New-Construction Financing Guide
Can a Texas Builder Require Its Preferred Lender?
There is no universal yes or no. Consumer Financial Protection Bureau guidance supports lender shopping. A builder may still ask for qualification or an application through a named lender, and a written promotion may condition a benefit on a lender choice. Those facts do not prove that actual lender use is universally required or that a specific arrangement is lawful. Separate the events, read the signed documents, compare complete written offers, and send disputed contract or RESPA questions to qualified professionals.
Quick answer, current August 28, 2026: CFPB consumer guidance says a new-construction buyer does not have to use a builder’s associated lender and may shop. That guidance does not decide what a particular builder may ask during qualification, whether a written lender-conditioned benefit qualifies under applicable law, or what happens under the buyer’s signed contract. RESPA, Regulation X, Regulation Z, the builder contract, incentive addendum, affiliated-business disclosure, lender disclosures, loan-program rules, and settlement file can each control a different question. Do not treat “preferred,” “affiliated,” “apply,” “proceed,” and “close” as interchangeable terms (CFPB, accessed August 28, 2026).
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Which Six Lender Events Must Stay Separate?
The fastest way to lose control of this decision is to let one word stand in for the whole loan process. A model-home conversation about “using our lender” can refer to a light qualification check, a formal application, a condition for receiving a promotion, or the lender that must fund at closing. Those are different events with different documents and consequences.
| Event | What it means | What to verify in writing | What it does not prove |
|---|---|---|---|
| Qualification conversation | A preliminary discussion about the buyer’s possible financing profile | Who receives information, what the builder wants, and whether the request is only a screening step | Loan approval, a financing commitment, or required lender use |
| Prequalification or preapproval | A lender review under that lender’s process | Whether credit is pulled, what information is reviewed, and what conditions remain | That the buyer agreed to fund through that lender |
| Mortgage application | For a covered loan, submission of the six TRID application items can trigger a Loan Estimate | Which lender has all six items and when the disclosure is due | Approval, acceptance of an offer, or release from the purchase contract |
| Intent to proceed | The buyer tells a lender to move forward after receiving the Loan Estimate | Which lender received the instruction and which fees or documents follow | A promise that underwriting, appraisal, or closing will succeed |
| Loan approval | The lender approves the loan, sometimes subject to remaining conditions | Which conditions remain, whether the property and appraisal are accepted, and what must occur before funding | Funding, closing, incentive legality, or release from the purchase contract |
| Funded closing | The selected lender funds the completed loan transaction | Final approval, Closing Disclosure, conditions, settlement figures, and funding confirmation | That every earlier referral, disclosure, requirement, or benefit was lawful or valuable |
Under the current TRID framework, the six application items are the consumer’s name, income, Social Security number to obtain a credit report, property address, estimated property value, and mortgage amount sought. Once a creditor receives all six for a covered transaction, it generally must deliver or mail the Loan Estimate within three business days. CFPB guidance says the creditor cannot require extra information or verifying documents before providing that disclosure, although it may collect more later (CFPB Regulation Z and TRID FAQ, accessed August 28, 2026).
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Ask the builder to name the exact event in writing. “The builder wants me to prequalify” is a different statement from “the promotion requires the affiliated lender to fund.” Never let a casual conversation silently move the file from the first event to the sixth.
The event question is resolved only when the builder identifies the required action, deadline, document, and consequence.
Which Documents Control the Preferred-Lender Question?
A salesperson’s summary can be useful, but it is not the whole file. Build a document hierarchy before deciding whether there is a requirement, a qualification condition, an optional promotion, an affiliated-business referral, or only a preferred relationship.
| Order to review | Document | Question it may answer | Do not assume |
|---|---|---|---|
| First | Executed builder purchase contract and incorporated addenda | Qualification, financing, lender choice, deadlines, deposit, default, notices, changes, and remedies | That a brochure or email changes the signed agreement |
| Second | Incentive, promotion, pricing, or options addendum | Exactly what benefit is conditioned on which lender event and when | That the headline benefit equals net value |
| Third | Affiliated Business Arrangement disclosure | Relationship, possible financial benefit, estimated charges, and shopping language | That “preferred” proves affiliation or that disclosure proves compliance |
| Fourth | Loan Estimates and other lender disclosures | Rate, APR, points, lender-controlled fees, credits, cash to close, payment, and five-year cost for each written scenario | That a Loan Estimate is approval or a commitment |
| Fifth | Applicable loan-program and investor requirements | How the specific contribution, credit, or affiliated-lender benefit is classified for this loan | That one universal contribution cap applies |
| Sixth | Title and settlement file | How signed terms, credits, fees, lender choice, and disclosures appear at settlement | That an earlier sales estimate is the final settlement result |
| Supporting | Emails, portal messages, advertisements, worksheets, and texts | What was represented, by whom, on what date, and subject to which conditions | That informal wording overrides the signed documents |
If two documents conflict, do not pick the one you prefer. Mark the conflict, preserve both versions, and ask the appropriate owner to resolve it in writing. The builder can explain its business term. The licensed lender can explain its offer and underwriting. The title or settlement team can explain its file. A Texas attorney interprets legal effect, enforceability, default, deposit, cancellation, damages, waiver, and remedies.
The builder-agreement issues are broader than lender choice. For registration, representation, compensation, and the buyer-seller purchase contract, read What Happens to My Agreement With a Texas Builder? For completion changes after signing, see What If My Texas Builder Changes the Completion Date?
A claim is document-ready when it names the legal entity, exact clause, required event, conditioned benefit, deadline, and stated consequence.
What Do RESPA and Regulation X Change?
RESPA Section 8, codified at 12 U.S.C. § 2607, prohibits specified fees, kickbacks, and things of value for referrals involving settlement services. The statute also addresses affiliated-business arrangements under a fact-specific set of conditions. Those conditions include disclosure of the relationship and estimated charges, no prohibited required use, and limits on what value may be received from the arrangement (12 U.S.C. § 2607, accessed August 28, 2026).
Regulation X implements those rules. Its required-use definition addresses conditioning access to a distinct service or property on using a particular settlement provider when the consumer pays for that service or a related charge. The definition also contains a qualification for an optional package or discount involving multiple settlement services when it is a true discount below otherwise available prices and is not made up through higher settlement costs. That qualification requires complete evidence. A headline credit or upgrade does not establish it (Regulation X § 1024.2, accessed August 28, 2026).
Regulation X § 1024.15 addresses affiliated-business arrangements, and Appendix D supplies a model disclosure format. The disclosure is designed to identify the relationship, possible financial benefit, estimated charges, and the consumer’s freedom to shop. Receiving or signing that disclosure does not by itself prove that every referral, condition, payment, or promotion complies with law. It also does not create a universal waiver of rights (Regulation X § 1024.15 and Appendix D, accessed August 28, 2026).
CFPB’s RESPA guidance distinguishes an incentive a settlement-service provider offers its own consumer from an incentive paid for that consumer to refer other business. The complete facts still matter. Ask who funds the benefit, which legal entity receives value, which action earns the benefit, whether another settlement service is involved, whether the option is genuinely optional, and whether costs rise elsewhere (CFPB RESPA FAQ, accessed August 28, 2026).
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RESPA analysis begins with the complete flow of referrals, disclosures, conditions, services, charges, benefits, and value.
Need the documents organized before you respond?
Kaitlin can help separate what the builder requested from what the contract requires and what the lender disclosures actually show.
Use the Preferred-Lender Requirement Decoder
The Preferred-Lender Requirement Decoder is a source-control asset, not a legal scorecard. Enter one written statement per row. If a builder representative says something new, create a new row instead of replacing the old statement. Use “unresolved” whenever the actual document, entity, or consequence is missing.
| Document | Issuer or legal entity | Required event | Affiliation disclosed? | Conditioned benefit | Matched comparison | Affected deadline or deposit | Answer owner | Status |
|---|---|---|---|---|---|---|---|---|
| Builder purchase contract | Enter exact seller entity | Quote qualification, application, lender use, or funding language | Record only if the document says so | Quote exact term or “none stated” | Not an economic comparison | Quote clause, deadline, and stated consequence | Builder for business facts; Texas attorney for legal effect | Verified or unresolved |
| Incentive or promotion addendum | Enter builder, affiliate, or other issuer | Quote the event that earns the benefit | Cross-reference the disclosure | Describe without adding a value not shown | Attach both matched Loan Estimates and full terms | Expiration, election, change, or deposit language | Builder, lenders, title, attorney as needed | Verified or unresolved |
| Affiliated Business Arrangement disclosure | List referring and referred entities | Record the referral, not an assumed funding duty | Relationship and possible benefit stated? | Not an incentive document unless it expressly says so | Compare estimated charges with actual written offers | Disclosure timing, if material | Compliance or legal professional | Verified or unresolved |
| Preferred lender Loan Estimate | Exact creditor name | Application and disclosed offer | Do not infer from branding | Show only credits disclosed in writing | Same property, buyer, program, term, timing, and lock basis | Expirations and conditions shown by lender | Licensed lender | Verified or unresolved |
| Outside lender Loan Estimate | Exact creditor name | Application and disclosed offer | Not applicable unless another relationship exists | Show only written lender credits | Match every controlled input | Outside lender’s approval and closing path | Licensed lender | Verified or unresolved |
| Builder email, text, portal, or advertisement | Name sender and legal entity if known | Quote the exact requested action | Unknown unless separately documented | Record exact written wording | Requires supporting contract and lender documents | Record any stated date or consequence | Builder confirms; counsel reviews legal effect | Verified or unresolved |
| Settlement statement or closing file | Title or settlement provider | Funding and settlement | Cross-check disclosures | Confirm final treatment of every approved credit | Reconcile with the selected written offer | Funding, recording, and contract timing | Title, lender, parties, counsel as needed | Verified or unresolved |
Three labels are useful in the status column: verified means the source and owner agree; unresolved means material evidence is missing; disputed means the documents or owners conflict. Do not convert disputed into verified because the sales conversation is urgent.
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The decoder is complete only when every claimed requirement and conditioned benefit has a source, legal entity, event, comparison, consequence, accountable owner, and proof. If the builder’s document says only “preferred lender,” the requirement column remains unresolved.
The decoder turns a vague sales statement into a list of questions that the correct professionals can actually answer.
How Do I Compare the Preferred Lender and an Outside Lender?
Do not compare a builder’s headline benefit with an outside lender’s rate. That puts one piece of one offer against a different piece of another. A useful comparison controls the same transaction inputs and examines complete written scenarios.
Require both offers to use the same:
- property and purchase price;
- buyer, occupancy, down payment, loan amount, loan program, and term;
- quote window and comparable lock period;
- written builder benefit or purchase term;
- rate, APR, points, lender-controlled fees, credits, cash to close, monthly payment, and CFPB five-year cost; and
- lock, extension, appraisal, underwriting, approval, and closing conditions.
If an input cannot be matched, label the difference before comparing. A different loan program, down payment, occupancy, lock period, or quote date can change the offer. A promotion may also be funded by the builder, the lender, another affiliate, or more than one party. Ask each legal entity to identify its part in writing.
| Comparison field | Preferred lender | Outside lender | Control question |
|---|---|---|---|
| Property and purchase terms | Enter exact written scenario | Enter the same scenario | Are property, price, down payment, occupancy, loan amount, term, and program identical? |
| Rate, APR, and points | Use dated Loan Estimate | Use same-window Loan Estimate | Are lock periods and pricing dates comparable? |
| Lender-controlled fees | Itemize | Itemize | Are fee labels and services being compared consistently? |
| Builder and lender credits | Identify source and eligibility | Identify available written credits | Who funds each item, what earns it, and where does it appear? |
| Cash to close and payment | Use current disclosures | Use current disclosures | Do both scenarios use the same taxes, insurance, escrow, and assumptions? |
| Five-year cost | Use the Loan Estimate field | Use the corresponding field | Are the transaction inputs still matched? |
| Approval, appraisal, and closing path | List open conditions | List open conditions | What remains uncertain, and what happens to the written builder term if the lender changes? |
Fannie Mae, Freddie Mac, FHA, VA, and USDA classify contributions and lender incentives under their own current rules. There is no single program-wide cap or universal treatment appropriate for this article. Ask each licensed lender to apply the current guide to the actual occupancy, loan-to-value ratio, loan type, contribution source, eligible costs, appraised value, and sales contract (Fannie Mae, Freddie Mac, HUD, VA, and USDA, accessed August 28, 2026).
This matched-offer work is different from deciding how to allocate a seller credit. For that question, read Closing Costs or a Rate Buydown: Which Should I Choose? For the economics of using a builder-affiliated lender while keeping your own agent, read Can I Use a Builder Lender and My Own Agent?
No offer is “better” until the written inputs, complete costs, conditioned benefit, and execution risks are matched.
What Does a Loan Estimate Prove?
A Loan Estimate is a standardized three-page disclosure for a covered mortgage transaction. CFPB says it explains important loan details and estimated closing costs. It is not an approval or denial, and it is not proof that the lender will fund (CFPB, accessed August 28, 2026).
For covered transactions, the creditor generally must deliver or mail it within three business days after receiving the six application items. Regulation Z also generally prevents the creditor from charging fees, other than a bona fide and reasonable credit-report fee, until the consumer receives the Loan Estimate and indicates intent to proceed. The lender can request and evaluate additional information later (Regulation Z § 1026.19, accessed August 28, 2026).
Intent to proceed is another separate event. It tells that lender to continue processing. It does not guarantee underwriting, lock terms, appraisal, property approval, or closing. It also does not, by itself, decide whether the builder’s contract permits a lender change or what happens to a promotion or deposit.
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Regulation Z requires advertised credit terms to be actually available, and its official interpretations can apply mortgage-advertising rules to homebuilders advertising consumer credit. Preserve the exact advertisement and date, then compare it with the actual written lender offer. Do not assume the ad applies to every buyer, property, loan program, or closing date (Regulation Z § 1026.24, accessed August 28, 2026).
A Loan Estimate supports comparison. It does not replace underwriting, the signed contract, or professional review of a disputed lender condition.
Want a clean, matched lender comparison?
Bring both written offers, the builder contract, every incentive document, and the affiliation disclosure. Kaitlin can help organize the file without pretending a headline tells the whole story.
What Does the Texas Contract Change?
Texas does not have one universal builder contract. The current TREC New Home Contract for incomplete construction is Form 23-20, effective July 1, 2026. It references a Third Party Financing Addendum when that addendum is selected and says changes to the agreement must be in writing. The current TREC Third Party Financing Addendum is Form 40-11, effective January 3, 2025. Those public forms do not create a statewide preferred-lender rule (TREC, accessed August 28, 2026).
First confirm whether the executed transaction actually uses those forms. A builder may use an owner- or attorney-prepared contract when permitted. A custom contract can contain its own qualification, application, financing, lender-choice, incentive, deposit, default, deadline, change, and remedy terms. Do not borrow a TREC clause for a file governed by different language.
Read the signed contract and every incorporated document together. Highlight each reference to lender, financing, approval, qualification, preapproval, preferred, affiliate, incentive, credit, contribution, deposit, deadline, default, amendment, assignment, termination, and notice. Then connect each term to the event table and decoder.
If the outside lender cannot meet a builder deadline, that is a transaction fact, not proof of a universal legal right. If a lender change appears to affect a promotion or deposit, do not guess at the consequence. Ask the builder for its business position in writing, the licensed lenders for their financing facts, and a Texas attorney for contract interpretation before acting.
Schedule time to discuss your goals
The contract question is ready for a decision only when the buyer knows the exact clause, required event, deadline, stated consequence, and available professional review.
Which Documents Should I Request Before Choosing?
Collect the documents before debating the outcome. A complete request list keeps the buyer from discovering a material condition after a deposit, selection deadline, lender fee, appraisal order, or contract amendment.
- The complete executed builder purchase contract, every addendum, exhibit, amendment, community document, and incorporated schedule.
- The exact written lender-choice, qualification, application, approval, financing, and deadline provisions.
- Every incentive, promotion, options, upgrade, closing-cost, buydown, or pricing document, including eligibility and expiration terms.
- The Affiliated Business Arrangement disclosure, if one applies, showing the legal entities, relationship, possible financial benefit, estimated charges, and shopping language.
- The builder’s written explanation of which lender event is requested and what changes if the buyer chooses another lender.
- Loan Estimates from the preferred and outside lenders using the matched-offer protocol.
- Written descriptions of lock, extension, appraisal, underwriting, approval, lender-change, and closing conditions from each lender.
- The current loan-program or investor treatment of each proposed contribution or affiliated-lender benefit, applied by the licensed lender to the actual file.
- Title and settlement confirmation of how the contract terms, credits, fees, and lender choice should appear in the closing file.
- All sales emails, advertisements, portal messages, worksheets, texts, and call notes with sender and date preserved.
Do not accept a recreated summary when the original document exists. Save each version. If the promotion changes, preserve the earlier version and record when the new one arrived. If the builder or lender answers by phone, send a neutral written recap and ask the appropriate entity to correct any misunderstanding.
Keep personal financial documents separate from the builder file. The builder can receive documents it is entitled to receive under the actual transaction process, but sensitive mortgage information should move through the licensed lender’s secure channel.
The request list is complete when every material statement can be traced to its original document, sender, date, and accountable owner.
What Are My Decision Paths?
After the decoder and matched-offer table are complete, the buyer can discuss several paths with the appropriate professionals. None is automatic, and this article does not require a builder, lender, title company, or seller to accept a proposed path.
| Possible path | What must be verified first | What to preserve |
|---|---|---|
| Apply or prequalify as requested while continuing to shop | The exact requested event, information channel, credit inquiry, deadline, and contract effect | Written request, disclosures, application dates, and every Loan Estimate |
| Use the preferred lender | The complete matched offer, open approval and appraisal conditions, builder benefit terms, affiliation disclosures, and settlement treatment | Contract, addenda, Loan Estimate, lock terms, approval conditions, and closing file |
| Use an outside lender | The builder’s written position on deadlines, contract terms, promotion eligibility, deposits, and required notices | Outside offer, builder response, timeline proof, and any signed change |
| Ask for written clarification or revised terms | The unresolved or conflicting decoder rows and the business term the buyer wants clarified | Question list, redlines, responses, and properly signed documents |
| Pause for legal or compliance review | A disputed requirement, affiliation, referral, disclosure, waiver, default, deposit, cancellation, damages, or enforceability question | Complete original file for a Texas attorney or qualified compliance professional |
Set the buyer’s decision boundaries before urgency takes over. Decide what financing uncertainty is acceptable, which property and contract protections cannot be waived without counsel, what documentation is necessary, and which deadlines must be met. These are personal risk limits, not predictions about approval, appraisal, funding, or builder action.
Kaitlin’s role is to keep the real-estate file organized and protective. She can coordinate document requests, builder questions, lender comparisons, and timing. She does not provide loan approval, quote lending terms, decide RESPA compliance, interpret disputed contract rights, or promise a deposit or closing result.
Discuss your timeline at 214.429.4907
The right path is the one supported by the buyer’s actual signed documents, matched offers, complete conditions, and advice from the professionals who own each question.
When Should I Stop and Get Professional Help?
Pause before signing, paying, waiving, changing lenders, or sending a notice when any of these conditions appears:
- The builder’s oral explanation conflicts with the contract, promotion, affiliation disclosure, or lender documents.
- No one can identify the exact legal entity called “preferred” or “affiliated.”
- The claimed benefit has no written eligibility terms or complete matched-cost comparison.
- A lender change may affect a deposit, default claim, cancellation right, damages position, deadline, or remedy.
- The buyer is asked to sign an amendment, waiver, release, new financing term, or Affiliated Business Arrangement disclosure without time to review it.
- The lender offer does not match the same property, buyer, occupancy, down payment, program, term, quote window, lock period, or builder term.
- An advertisement does not match the actual Loan Estimate or qualification conditions.
- Sensitive financial information is requested outside a licensed lender’s approved secure process.
Send deposit, default, cancellation, damages, waiver, enforceability, referral, required-use, and legal-effect questions to a Texas attorney or qualified compliance professional. Send rate, APR, fees, underwriting, lock, approval, program, appraisal, and funding questions to the licensed lender. Send settlement and title-file questions to the title company or settlement professional.
“Greatness is demonstrated, not declared.” In this decision, that means the written file should demonstrate what was required, what was optional, what changed, what each path costs under matched conditions, and who owns every unresolved answer.
Stop when a material decoder row is unresolved, and restart only after the accountable professional supplies the missing answer.
Ready to decode the builder’s lender language?
Kaitlin Lovern and her team can help you build the document hierarchy, matched-offer comparison, and next-question list before you make a lender decision.
Frequently Asked Questions
Is applying with the builder’s lender the same as using that lender?
Pick a convenient time to connect
No. A qualification conversation, prequalification, application, intent to proceed, approval, and funded closing are separate events. Ask the builder to identify the exact event it requests, the written deadline, and what the signed contract says happens next.
Can I shop other lenders for a Texas new-construction home?
CFPB consumer guidance says buyers do not have to use a homebuilder’s associated lender and may shop. That guidance does not decide a property-specific contract dispute or preserve a promotion automatically. Compare complete written offers and have disputed contract consequences reviewed before changing course.
Is a lender-conditioned builder incentive automatically legal?
No universal conclusion is supported. The affiliation, referral, disclosure, required-use facts, true-discount evidence, flow of value, contract, promotion, loan terms, program rules, and settlement file all matter. A qualified attorney or compliance professional should review a disputed arrangement.
Does “preferred lender” mean the builder owns the lender?
No. The label alone does not prove ownership, control, or another affiliated-business relationship. Request the applicable Affiliated Business Arrangement disclosure and identify every legal entity involved rather than inferring affiliation from branding.
Does signing an Affiliated Business Arrangement disclosure waive my rights?
There is no universal waiver created merely by acknowledging a disclosure. The document is meant to disclose the relationship, possible financial benefit, estimated charges, and shopping language. It does not by itself prove compliance or decide every contract right.
Call the North Dallas team: 214.429.4907
Does a Loan Estimate mean I am approved?
No. CFPB describes the Loan Estimate as a standardized disclosure of important loan details and estimated closing costs. It is not an approval or denial. Underwriting, appraisal, program conditions, property approval, and final funding remain separate.
Can I lose my deposit if I change lenders?
There is no universal deposit result. The executed builder contract, financing terms, deadlines, notices, amendments, facts, and applicable law control. Ask a Texas attorney to review the exact language before a lender change or notice.
How do I know whether the builder’s lender discount is real?
Use matched written offers for the same property, buyer, occupancy, down payment, loan amount, program, term, quote window, and comparable lock period. Compare complete Loan Estimate fields, the exact conditioned benefit, and all approval, appraisal, lock, and closing conditions. A headline value alone is not enough.
Primary Sources Reviewed
- Office of the Law Revision Counsel, 12 U.S.C. § 2607, law in effect August 27, 2026.
- Consumer Financial Protection Bureau, Regulation X § 1024.2, required-use definition.
- Consumer Financial Protection Bureau, Regulation X § 1024.15, affiliated-business arrangements.
- Consumer Financial Protection Bureau, Regulation X Appendix D, affiliated-business disclosure model.
- Consumer Financial Protection Bureau, RESPA FAQs, accessed August 28, 2026.
- Consumer Financial Protection Bureau, Find the Right Home, new-construction lender shopping guidance.
- Consumer Financial Protection Bureau, TRID FAQs, accessed August 28, 2026.
- Consumer Financial Protection Bureau, Regulation Z § 1026.19, Loan Estimate and fee timing.
- Consumer Financial Protection Bureau, Regulation Z § 1026.24, advertising requirements.
- Texas Real Estate Commission, New Home Contract (Incomplete Construction), Form 23-20, effective July 1, 2026.
- Texas Real Estate Commission, Third Party Financing Addendum, Form 40-11, effective January 3, 2025.
- Fannie Mae, Selling Guide B3-4.1-03, lender incentives.
- Freddie Mac, Guide § 5501.6, contributions.
- HUD, FHA Single Family Housing Policy Handbook 4000.1, current update page checked August 28, 2026.
- U.S. Department of Veterans Affairs, Funding Fee and Loan Closing Costs, updated January 15, 2026.
- USDA Rural Development, Loan Origination Resource Library, accessed August 28, 2026.
- USDA Rural Development, HB-1-3555 Consolidated Handbook, accessed August 28, 2026.
Research was current through August 28, 2026. This article provides general real-estate education, not legal, lending, compliance, appraisal, title, tax, accounting, insurance, or settlement advice. Contracts, promotions, programs, disclosures, underwriting, property facts, and professional requirements can change. Verify the actual transaction with the builder, licensed lenders, title or settlement team, Texas attorney, and other qualified professionals.
About Kaitlin Lovern
Kaitlin Lovern has represented more than 400 North Dallas families. She leads the Kaitlin Lovern Real Estate Team at Real Brokerage LLC and helps new-construction buyers keep builder documents, lender comparisons, contract deadlines, and transaction decisions in one protective plan.
Texas Real Estate license #0634293 | Real Brokerage LLC
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