Simplifying the Buying, Selling, and Financing Process
PJ Zaji
Your Trusted Real Estate Source
Texas REALTOR and licensed Mortgage Loan Officer
With over a decade of experience and more than 1,000 homes closed, I guide clients through buying, Selling or financing so the process is simple, clear, and stress-free.
Frequently Ask Questions
For Buyers
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DFW is one of the fastest-growing housing markets in Texas, with strong job growth, new-construction homes, excellent schools, and diverse communities like Allen, McKinney, Prosper, Plano, and Celina.
Even with higher interest rates, builders and lenders (including me as a mortgage broker) are offering incentives such as rate buydowns, closing cost credits, and cash-back programs that make buying now more affordable.
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Waiting may seem attractive, but the Dallas market is highly competitive.
Home prices are projected to keep rising due to population growth and limited housing supply.
Buying now lets you lock in today’s price and refinance later if rates drop, this way you gain equity instead of waiting and risking higher prices.
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Many buyers think they need 20%, but programs in Texas allow as little as 3% down, with FHA options starting at 3.5%.
There are also VA and USDA loans with zero down.
As a mortgage loan originator, I shop over 280 lenders to match you with the lowest rates and best terms.
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New homes often come with builder incentives, lower maintenance costs, modern layouts, energy-efficient systems, and warranty protection.
Resale homes may offer larger lots or established neighborhoods.
I can guide you through both so you don’t miss hidden opportunities.
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I provide a full market analysis and negotiate on your behalf, making sure your offer is competitive but not inflated.
I also explain comparable sales, appraisal values, and potential resale value so you feel confident in your purchase.
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In Dallas–Fort Worth, prices rarely go backwards long-term.
Even if there are small dips, population growth, new jobs, and limited housing supply keep pushing values up.
If you wait for a “crash,” you may end up paying more later, for the same house.
Because prices recover faster than most buyers expect.
The smarter play is to buy when you find the right home and payment you’re comfortable with, then refinance if rates improve.
For Sellers
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Homes are still selling, but it’s not the frenzy of 2021–2022.
Buyers are more selective and expect value.
If your home is priced correctly and marketed well, you’ll get showings and offers. If it’s overpriced or outdated, it will sit.
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It depends on where you started.
The old-school strategy of listing high and planning to “come down later” doesn’t work well anymore.
Days on market matter a lot.
If your home sits too long, buyers start wondering “ what’s wrong with it “ and your leverage drops.
Price it right from the beginning, and you’ll usually net more than if you chase the market down.
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Average homes in Collin County and surrounding suburbs move in 30–45 days if priced right.
If you overprice or ignore staging/repairs, expect it to take longer, sometimes months.
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Yes, but it will cost you in price.
Most buyers in this market want move-in ready, and homes that need work attract investor offers well below retail.
If you want top dollar, you’ll need to address condition.
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You can try FSBO, but most sellers end up netting less.
Buyers know FSBO sellers are trying to save commission and often push harder on price.
With me, you get marketing, negotiation, and exposure to pre-approved buyers you won’t reach on your own.
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Lack of offers means one of two things: price is too high or presentation isn’t strong enough.
The market gives feedback fast, if buyers aren’t showing up, we need to adjust.