We are in the midst of a knowledge crisis among homeowners and we are far from the end of the housing nightmare. There are far too many homeowners letting their homes become foreclosed on because of the lack of planning and proactive nature. I am seeing homeowners waiting until their home is in foreclosure before contacting the banks and, more often than not, by then it's too late. 

I spoke on the phone to a woman who's bank told her to stop making payments to pursue a loan modification. Two years later they have two years of missed payments added to their debt along with no loan mod! Unfortunately, this is far too common. Hope is not lost though! People in situations where they feel as if the back is against a wall need to contact professional real estate and legal help.

Someone Else Owns The Home You Are Renting

Owning a home is still the American Dream. Renting is easier, but let's remember, somebody else owns the home you're renting. You are helping them achieve the American Dream and that's awful nice of you...but don't you want to achieve your own dream? You think that by renting you are saving money? You aren't. You are just paying someone else's mortgage, or at least part of it.

Wouldn't you rather invest that rent money into your own home? Let us assume that the average rent in a San Antonio Texas neighborhood for a 3 bedroom, 2 bath home is $1000. Over the period of one year (12 months), you have contributed $12,000 to a person's, whom you probably don't even know, future.

If you have been trying to buy or sell a home and the end of the spring-summer real estate season is stressing you out, The Castles By Chrissy Team says "relax!"

Remember, sales volume is not your problem. The only house you care about is the one you're selling or hoping to buy.

Real estate isn't nearly as seasonal as it used to be. If a house is priced and marketed appropriately, no matter what time of year it is, there will be a buyer for it.

What's more, many home buyers and sellers are bucking the seasonal nature of residential real estate.