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Real Estate News – April 2019


April 2019
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Down Payment Dilemma: How Do You Know How Much to Put Down On A Home?
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Down PaymentFor many prospective home buyers, the down payment is the most daunting hurdle in the race to buy a home. Even for people with decent credit and a healthy paycheck, the down payment can be the great homeownership killer.

The big question for all prospective buyers is: how much should my down payment be? Most lenders will tell you that 20 percent is the standard, but is that really necessary?

The short answer is no, but of course, there are some caveats.

“It’s a myth that all homebuyers must have a 20 percent down payment to buy a home,” says Nancy Herrera-Siples, a Riverside, CA, branch manager at Primary Residential Mortgage. So why all the fuss over having 20 percent to put down? “Because if you don’t, it usually means you’ll have to shell out money for either private mortgage insurance (PMI) or government insurance, which is usually financed by the Federal Housing Administration,” according to Herrera-Siples.

Still, when a low down-payment is your only option to buy a home, PMI might literally be a small price to pay. Remember that PMI goes away eventually when your loan balance is 80 percent or less of the home’s value. If you’re in an area where homes are rising in value, this could happen sooner than you think.

Still confused about the ins and outs of down payments? Here are a few reasons to go high… or low.

When to make a substantial down payment:

  • When you’re looking to keep your monthly payment as low as possible and have the cash to spare.
  • When you’re approaching retirement age and can envision a reverse mortgage sometime down the line.
  • When the interest rate is lower with a higher down payment. “The more you put down, the better position you are in for negotiating a lower interest rate,” says
  • If you’re worried about being underwater. If the market should drop in your area, you run the risk of owing more than your home is worth.

When to go low:

  • When you don’t have the funds for a higher down payment and can’t earn or borrow them quickly enough.
  • When the rate on your FHA or Fannie or Freddie loan is comparable to that you’d get with a higher down payment.
  • When you need to escape a high-rent situation and the monthly payment on a house is lower than what you’re currently paying, even with the PMI factored in.
  • When you’re confident your home will appreciate quickly, allowing you to refinance and get rid of PMI quickly.
Should You Buy a Home Warranty?
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“I’m buying a house. Should I buy a home warranty?” Seems like a relatively tame question, right? But post it on Facebook or Nextdoor and watch the impassioned responses roll in. You might as well ask, “What political party should I belong to?”

Broken Pipe

Everyone has their own experience, so expect to hear a few people call them “a scam” or at the very least a waste of money. Others will regale you with their tale of how having a warranty saved them from a freezing winter because they couldn’t afford to fix their furnace without it.

In the end, the decision is personal and largely based on how comfortable you are paying out of pocket if one of the more expensive items in your home, like the furnace or hot water heater, needs to be replaced. Here are some things to consider when making your decision.

Know the cost

“A basic home warranty costs about $350 to $500 a year or more,” says Money Talks News. A warranty typically covers plumbing, hot water heaters, and heating/electrical system components. More expensive, ‘enhanced’ plans can provide added coverage for things like your washer/dryer, air conditioning system, refrigerator, septic tank, and garage door openers.

You can typically break down the annual cost into more manageable monthly payments, but the cost of the warranty itself isn’t the only thing you’re responsible for paying. Most home warranties include either a service call fee or a deductible, so it’s important to consider those factors in addition to the home warranty plan itself.

Consider your peace of mind

Many homeowners opt for a home warranty for major “just-in-case” scenarios. Just in case the air conditioning unit crashes and burns. Just in case the hot water heater dies. With the cost of some of these items running into the thousands—the average cost for a new air conditioning unit and installation, per HomeAdvisor, is $5,413!—the peace of mind factor is huge.

“For a homeowner who doesn’t have an emergency fund, or who wants to protect their emergency fund, a home warranty can act as a buffer,” says Investopedia. Home warranties also make sense for people who aren’t handy or don’t want to deal with finding a contractor.

Understand that not everything is covered

There’s always a chance that the item you need to be repaired is not covered under your warranty for one reason or another. Some problems simply won’t be covered by a warranty, and most home warranties won’t cover components that haven’t been properly maintained.” The lesson here: Read the fine print, so you’re prepared.

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Christine Kalmbach REALTOR

Keller Williams Realty Platinum


Click here to download my mobile app!
Copyright 2019 Keller Williams® Realty, Inc. If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. Equal Opportunity Housing Provider. Each office is independently owned and operated. 

This Month in Real Estate – March 2019 Market Update

This Month in Real Estate
March 2019 Market Update
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Monthly VideoAccording to the National Association of REALTORS®, existing home sales experienced a third consecutive month of declines in January. While the supply of homes is rising, a growing share of those homes may still be out of reach for some buyers.
Interest Rates
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Interest RatesAccording to Freddie Mac, 30-year fixed rates decreased to 4.35 percent in January from 4.45 percent in December. This rate remains well below the historical average of 8.90 percent.
Home Sales
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Home Sales Graph
The National Association of REALTORS® reported home sales at a seasonally adjusted annual rate of 4.94 million in January, down from 5.0 million in December, and 8.5 percent below the 5.4 million sales pace from a year ago.
Home Prices
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Home Price Graph
The median home price decreased to $247,500 in January, down 2.8 percent from December. The median home price has increased by approximately $6,700 in the past year alone.
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Inventory Graph
There was a 3.9-month supply of housing inventory in January 2018, up 5.4 percent from December. The total number of available homes for sale has increased by 14.7 percent compared to January of last year.
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Brought to you by KW Research. For additional graphs and details, please see the This Month in Real Estate PowerPoint Report.The opinions expressed in This Month in Real Estate are intended to supplement opinions on real estate expressed by local and national media, local real estate agents and other expert sources. You should not treat any opinion expressed on This Month in Real Estate as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Keller Williams Realty, Inc., does not guarantee and is not responsible for the accuracy or completeness of information, and provides said information without warranties of any kind. All information presented herein is intended and should be used for educational purposes only. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. All investments involve some degree of risk. Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on information contained in This Month in Real Estate.
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Christine Kalmbach REALTOR

Keller Williams Realty Platinum


Click here to download my mobile app!
Copyright 2019 Keller Williams® Realty, Inc. If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. Equal Opportunity Housing Provider. Each office is independently owned and operated. 
Keller Williams Realty Platinum | 19708 Northwest Fwy Ste 2800 | Houston | TX | 77065-5628
#callonchristine #realtorck4u

Six Myths about Selling Your Home

Selling a house can create all kinds of fears and concerns. Learn the difference between the myths and truths to alleviate some of those worries!

Myth #1: You should always price your home high and then negotiate down.

Truth: It is difficult to obtain a reasonable offer on an overpriced property.

If you list too high, you’ll miss out on buyers (as many as up to 60%) looking in the price range where your home should be. Offers may not even come in, because buyers who are interested in your home are scared off by the price and won’t even take the time to look at it or they have been researching homes online and see the price discrepancy and move on. By the time you correct the price and list your home at its fair market value, you will have lost that window of opportunity when your home draws the most attention from the public and real estate agents — the first 2-4 weeks it is on the market. The longer a house “sits on the market”, it is like the Kiss of Death, doomed to attract fewer and fewer buyers every day making it harder and harder to sell. To obtain proper market exposure, it is an absolute necessity to be competitive in price, terms, and condition with similar properties that are selling in the area as soon as you put it on the market. If you are serious about selling your home, price your property at market value and attract serious buyers. You will stand a much better chance of getting full-market value and your property will sell much more quickly.

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Photo by Alturas Homes on

Myth #2: Minor repairs can wait until later. There are more important things to be done.

Truth: Minor repairs make your house more marketable, allowing you to maximize your return (or minimize loss) on the sale.

Most buyers are looking for homes that are turnkey or move in ready. They do not want to have to do a lot of work on a new home (at least “new” to them). If you have repairs that are obviously needed, a potential buyer will think of repairs with the 2/3rds rule. For example, if you have a hole in the wall that would cost $100 to repair in a day, a buyer will think it will take twice as long to repair and cost threes times as much. So your $100 hole of “deferred maintenance” becomes a two-day repair costing $300. A buyer will go through your home adding up all the “little things” that are wrong with it. If your home happens to attract a buyer who is willing to make repairs, they will begin asking for repair allowances that come out of your asking price. The amount of an allowance that you have to offer a buyer is usually more than what it would cost for you to make the repair (or hire someone to make the repair). Also, remember that the home inspections will point out every defect and safety issue which also will potentially cost you even more. Remember, buyers are comparing your home to other homes that are currently on the market. Your home should be maintained, safe and inviting so that everyone who looks at it can see themselves living there.

Myth #3: Once potential buyers see the inside of your home, curb appeal won’t matter.

Truth: Buyers probably won’t make it to the inside of the home if the outside of your home does not appeal to them.

Buyers and their agents often do drive-bys before deciding whether a home is worth their time to look inside. Usually, every dollar you spent on landscaping nets you a 100% return! So make sure your yard looks in top shape with trimmed bushes, some pretty flowers, a well-manicured lawn, and a welcoming entry. Your home’s exterior must make a good first impression so that buyers are compelled to stop and come inside!

Myth #4: Your home must be every buyer’s dream home.

Truth: If you get carried away with repairs and replacements to your home, you may end up over-improving the house.

There is a point where improving your home doesn’t pay off. The key is to consider what competing properties feature and look like. Improvements in the kitchen and bathrooms often yield excellent results! I will go through your home with you in detail and determine what it makes sense to repair and replace and what doesn’t. You also have the option to use my Stager to maximize your home to showroom condition! I’ll also show you competing properties so you’ll know what you’re up against!

Myth #5: When you receive an offer, you should make the buyer wait. This gives you a better negotiating position.

Truth: You should reply in a timely manner to an offer (and remain flexible)!

When a buyer makes an offer, at that moment in time, they are ready to buy your home. Moods can change and you don’t want to lose the sale because you have stalled in replying and you lose your only offer. Occasionally there are strategic reasons to delay for a short time — when receiving multiple offers for example. Let’s work hard to make this a win-win for you and your buyer and work together! I will walk you through every step of the process to help determine the best strategy for achieving your real estate goals!

Myth #6: You are better off selling your home on your own and saving money on the commission you would have paid to a real estate agent.

Truth: Statistically, many sellers who attempt to sell their homes on their own cannot complete the sale without the service of a professional real estate agent, or they inadvertently sell it for less than full market value.

Homeowners who succeed in selling their home by themselves (usually net 6-13% less) than if they had a real estate agent working for them. The National Association of Realtors surveys consumers every year, including homeowners who succeeded in selling their home without a real estate agent. Over 70% of these homeowners say that they would never do it again. You visit a doctor when you’re sick and take your car to a mechanic when it needs repairs. It makes sense to contact a real estate professional when you are preparing to sell your biggest asset!

Whether you are looking to buy, sell, invest or lease real estate, I can help you achieve your real estate goals, contact me today!

Christine Kalmbach, Professional Realtor® Keller Williams Platinum
 832.755.2954 *

Get my Booklet, “The Ultimate Home Seller’s Guide” absolutely FREE by completing the form below!*




*I will never sell your information to any 3rd party, I take privacy very seriously!


Should I Stay or Should I Go Now?

Four Questions to Decide If You Should Stay or Go
Do you find yourself dreaming about a new home? Or, maybe you think it could be time to move to a new neighborhood. Ask yourself these questions to figure out if it’s time to search for greener pastures.
1) How happy are you with your current home?
If you’re not feeling the love when you walk through the door, it may be time to start exploring available homes on the market.
2) Do you love your neighborhood and schools?
If a good neighborhood, strong schools and neighbors you enjoy are important to you, and you feel like your current home leaves a bit to be desired, give me a call.
3) Do you have too little or too much home?
If the size of your family has changed recently, you may be left with a home that’s too small or too large. Let’s find a home that’s just right.
4) Is it time to buy?
If you think it’s time to make a move, give me a call and we can find a home that hits all the right notes.
When you’re looking to buy, sell or invest in real estate, you need an agent who will be by your side every step of the way.
Call me today for a personalized consultation.
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Christine Kalmbach REALTOR

Keller Williams Realty Platinum


Click here to download my mobile app!
Copyright 2019 Keller Williams® Realty, Inc. If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. Equal Opportunity Housing Provider. Each office is independently owned and operated. 
Keller Williams Realty Platinum | 19708 Northwest Fwy Ste 2800 | Houston | TX | 77065-5628
Or fill out this form to learn more!



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Upgrade in 2019!

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Houston Real Estate is on track for another Record Year!

Entering the final weeks of the year, home sales continue to outpace 2017’s record levels

HOUSTON — (December 12, 2018) — In a display of textbook seasonality, with the holidays sending consumers into their annual retail frenzy, Houston home sales slowed slightly in November. However, it was not enough to knock the real estate market off its record-setting pace.

According to the latest monthly report from the Houston Association of Realtors® (HAR), 6,159 single-family homes sold in November compared to 6,285 a year earlier, representing a 2.0-percent decline. On a year-to-date basis, home sales are 4.6 percent ahead of 2017’s record volume. Inventory edged up from a 3.6-months supply to 3.9 months.

The median price of a single-family home (the figure at which half of the homes sold for more and half for less) rose 4.4 percent to $235,000 and the average price increased 4.3 percent to $295,084. Both represent the highest prices ever for a November. All housing segments experienced gains except for homes priced at $150,000 and below The best-performing segment was the luxury market, consisting of homes priced at $750,000 and above, which climbed 12.3 percent.

Sales of all property types totaled 7,400 – statistically flat versus last year. November’s total dollar volume increased 3.9 percent to $2.1 billion.

“The Houston housing market remains on track for another record year, which was an almost unimaginable concept when the year began, on the heels of so much devastation from Hurricane Harvey,” said HAR Chair Kenya Burrell-VanWormer with JPMorgan Chase. “As 2018 draws to a close, we see slow but steady growth in the supply of housing as well as a strong job market, which together make for a healthy real estate climate.” 

Lease Property Update

Consumers kept Houston’s lease market humming in November. Single-family home rentals soared 15.3 percent while leases of townhomes and condominiums rose 0.6 percent. The average rent for single-family homes declined 1.3 percent to $1,743 while the average rent for townhomes and condominiums edged up 0.5 percent to $1,505.

November Monthly Market Comparison

The Houston real estate market had a largely positive performance in November and remains on track to set new sales records when the books are closed on 2018. As consumers turned their attention to holiday shopping, single-family home sales fell slightly and total property sales were statistically flat compared to November 2017; total dollar volume and pricing were up. Month-end pending sales for single-family homes totaled 6,052, which represents a 5.8 percent increase over last year. Total active listings, or the total number of available properties, climbed 8.9 percent to 40,530. Single-family homes inventory saw some growth in November, reaching a 3.9-months supply versus a 3.6-months supply a year earlier. For perspective, housing inventory nationally stands at a 4.3-months supply, according to the latest report from the National Association of Realtors® (NAR).

Single-Family Homes Update

Sales of single-family homes declined 2.0 percent in November, as 6,159 units sold across the greater Houston area compared to 6,285 a year earlier. However, on a year-to-date basis, sales volume is running 4.6 percent ahead of 2017’s record pace and is expected to remain in record territory as we close out 2018. Prices reached the highest levels ever for a November. The median price increased 4.4 percent to $235,000 while the average price rose 4.3 percent to $295,084. Days on Market (DOM), or the number of days it took the average home to sell, improved to 60 from 62 a year earlier. Inventory registered a 3.9-months supply, up slightly from 3.6 months a year ago.

Broken out by housing segment, November sales performed as follows:

  • $1 – $99,999: decreased 25.3 percent
  • $100,000 – $149,999: decreased 24.3 percent
  • $150,000 – $249,999: increased 2.3 percent
  • $250,000 – $499,999: increased 7.2 percent
  • $500,000 – $749,999: increased 1.9 percent
  • $750,000 and above: increased 12.3 percent

HAR also breaks out sales data for existing single-family homes. Existing home sales totaled 4,945 in November, a decline of 3.2 percent versus the same month last year. The average sales price rose 5.7 percent to $283,523 while the median sales price increased 3.1 percent to $218,000.

Townhouse/Condominium Update

November saw a drop of 2.8 percent in townhome and condominium sales, with 488 units sold versus 502 a year earlier. The average price rose 9.0 percent to $213,043 and the median price increased 4.5 percent to $165,000. Inventory grew from a 3.7-months supply to 4.1 months.

Houston Real Estate Highlights in November

  • Single-family home sales fell 2.0 percent year-over-year, with 6,159 units sold;
  • On a year-to-date basis, home sales are up 4.6 percent and on track for breaking 2017’s record performance when December data are compiled;
  • Days on Market (DOM) for single-family homes was 60 versus 62 a year earlier;
  • Total property sales were statistically flat, with 7,400 units sold;
  • Total dollar volume rose 3.9 percent to $2.1 billion;
  • The single-family home median price climbed 4.4 percent to $235,000, a November high;
  • The single-family home average price also achieved a November record, rising 4.3 percent to $295,084;
  • Single-family homes months of inventory reached a 3.9-months supply, up from 3.6 months last November, but below the national supply of 4.3 months reported by NAR;
  • Townhome/condominium sales dropped 2.8 percent, with the average price up 9.0 percent to $213,043 and the median price up 4.5 percent to $165,000;
  • Leases of single-family homes jumped 15.3 percent with the average rent down 1.3 percent to $1,743;
  • Volume of townhome/condominium leases rose 0.6 percent with the average rent up 0.5 percent to $1,505.
This article is courtesy of

If you’re or someone you know is looking to sell, buy, invest or lease in real estate, contact me now!


From the KWBlog!

fullsizeoutput_1b6bOur friends at Home Warranty of America have outlined 13 simple-yet-essential tasks for new homeowners to complete before their big move:

  1. Make copies of important real estate documents and store them in a safe place. Buying a home means lots of paperwork, and some of those documents – like the property deed, home inspection report, and disclosures – are vitally important.
  1. Change your address and set up your Updating your address online with the United States Postal Service only takes a minute. And, if you’re moving to a state with deregulated markets for electricity or natural gas, you may get to choose the companies from which you purchase your energy.
  1. Locate shut-off valves and circuit breakers. In the event of a plumbing or natural gas leak, you’ll want the ability to shut your main valves without a moment’s delay. And you can’t perform electrical maintenance or reset a tripped circuit breaker if you don’t know where the breaker box is.
  1. Re-key locks and update keypads. It’s a small job that delivers big on peace of mind.
  1. Test smoke and carbon monoxide detectors. Replace those old batteries and check the expiration date on every detector. If one expires, replace it promptly to keep your home safe.
  1. Check the water heater. You should have a good idea of the water heater’s condition from the home inspection, but it’s still smart to look around for leaks, check the pressure relief valve, and flush the tank when you first move in.
  1. Check the HVAC systems and filters. A dirty and inefficient HVAC system can affect your indoor air quality and drive up your utility bills. Schedule any overdue maintenance, and stock up on replacement filters in your system’s size.
  2. Do a deep cleaning. The best time to deep-clean your new home is before you move in, so take a day and make sure you get in all those nooks and crannies, like behind the laundry machines and under the refrigerator.
  1. Consider an energy audit. A thorough audit can identify opportunities for HVAC savings by adding insulation, replacing weather stripping, and sealing cracks. (Keep in mind, this work might be easier prior to move-in.)
  1. Use your home inspection report to plan future upgrades. Even if the report shows your home is in excellent condition, some maintenance – like replacing the roof or the HVAC system – is inevitable. Planning for replacement now will pay off in the future.
  1. Create a seasonal home maintenance checklist. Upgrading to a new home can mean unfamiliar chores, like winterizing a swimming pool or opening a sprinkler system for spring. Get to know your home’s unique needs and create a schedule to help you ease into the new routine.
  1. Meet the neighbors. You don’t just have a new home – you have a new community. It’s common for neighbors to be curious when a moving truck pulls up on the block, so if you see them looking your way, wave hello and take a moment to introduce yourself.
  • Familiarize yourself with your home warranty. Household breakdowns will happen sooner or later, so make sure you’re ready to take advantage of your home warranty by reviewing what’s covered and how to file a claim. There may also be benefits in your home warranty that you aren’t taking advantage of. For example, an HWA home warranty covers lock changes of up to six doors. Related Read: Think Twice Before Option Out of a Home Warranty

Get the Most Out of Home Ownership

Visit the HWA Learning Center to read up on home maintenance tips and home warranty information. Your home is one of the largest investments you’ll ever make; it is important to keep it in excellent condition.

Keller Williams Approved Vendor Program members are business entities independent from Keller Williams Realty, Inc.  Neither Keller Williams Realty, Inc. nor its affiliated companies warrant HWA, their products, or their services.  

Contact me with any questions or comments you have!

What Happened to Real Estate in October??

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

Please click on this link to view the Housing Trends November 2018 Newsletter

Be sure and check out what happened in Houston compared to the rest of the nation!

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, reports and other sources.

Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and local community reports.

If you are interested in determining the value of your home, send me a text at 832.755.2954 or via email at

Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.

Sincerely yours,

Christine Kalmbach
Keller Williams Platinum
19708 Northwest Fwy #2800 Houston TX 77065 281-856-0808 |

Why Use Me, a Realtor, to Sell Your Property?

According to the Houston Associate of Realtors,  Realtors® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge through the process of buying and selling real estate! Normally, a real estate transaction involves the most significant financial investment that most people will experience in their lifetime.


As your Realtor®, I, Christine Kalmbach, will inform you of market conditions, provide you with excellent detail on determining the listing price for your home, negotiate the price you will receive, explain the terms of the contract along with some of the closing costs you will pay. Realtors® will market your property to other agents and firms and potential buyers! Your home’s marketing will include listing on your local multiple listing service (MLS) to give hundreds if not, thousands of opportunities to showcase your home to net an offer.

Many home sales are cooperative sales over 50% of the time – where another agent (other than your own) brings a buyer to purchase your home. I will utilize Flyers, Digital Media, Open Houses, other Agents and more as your marketing coordinator (I have an 80+ Point Marketing Plan)! I will help enhance and present your home to yield the best price in the shortest amount of time with the least amount of hassle! I know the where, when, and how to advertise your property! The National Association of Realtors® shows that 82% of real estate sales are through the efforts of agent contacts through previous clients, referrals, family, friends and personal contacts. As your Realtor®, I  can help you objectively evaluate every buyer’s offer without compromising your marketing position. As your Realtor®, I can also guide you through the closing process and make sure everything goes smoothly! The required amount of paperwork can be very overwhelming to sellers! Let me help you sell your home!

Remember a Realtor® is always the best source of information for all your real estate needs! So remember, Christine Kalmbach, as YOUR Realtor and Real Estate Resource for LIFE! Thank you!

Check out this video to learn more: Why Use a Realtor? by


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You will Only have to List Once when you list with Christine! Call me now at 832.755.2954 to get your home sold!

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