Meet Neli Spurrell

Mortgage rates have quietly hit a major turning point — dipping to their lowest levels in nearly three years. After hovering around 7% last year, rates briefly touched the 5s and are now settling into the low 6% range, with experts expecting them to stay there for a while. Why does this matter? Because even a 1% drop can mean hundreds less per month on a mortgage, more buying power, and more flexibility in where and what you can buy. For many buyers — especially first-time buyers — this shift could be the difference between sitting out and stepping in. According to the National Association of Realtors, rates at or below 6% open the door for millions more households to afford a home, with an estimated 550,000 buyers expected to move forward within the next year or so. That means demand is likely to pick up. Bottom line: this isn’t just good news — it’s a real opportunity. If buying didn’t pencil out before, now’s the time to re-run the numbers and see what’s possible. Let’s take a look at how today’s rates could work for you. Contact Neli Spurrell to get started.

Mortgage rates are down a full percentage point since last year. That recent drop doesn’t sound dramatic, until you realize how much it can already save you on the typical $400k loan. Compared to buying in January of last year, that saves you more than $330 a month and almost $120k over the life of your loan. That’s the difference just one year makes. If buying didn’t work for you last year, let’s re-run the numbers and see if 2026 could finally be your year.

Thinking about making a few updates before you sell this spring? Here’s the thing you have to remember: not all projects are created equal. The upgrades you see here tend to deliver some of the strongest returns on your upfront investment because they impact curb appeal and first impressions right away. And in today’s market, that matters more than it did a few years ago. This isn’t about doing everything. It’s about doing the right things for your house and your market. If you want help deciding which updates make sense for your home (and which ones you can skip), let’s talk.

Modern comfort meets coastal freedom in this beautifully updated 3 bed, 2 bath, 1,626 square foot home in Holiday Beach. An open-concept layout with high ceilings, stylish vinyl plank floors, and a designer kitchen sets the tone, while the spa-like primary suite offers a true retreat. Enjoy breezy moments on the upper deck and the privacy of an oversized, gated double lot with room for boats and guests. Located in a waterfront community with a private boat ramp, fishing pier, pool, and ultra-low HOA, just minutes from Goose Island, Rockport Beach, and downtown charm.

Tucked inside the gated waterfront community of Heron’s Roost, this charming 3 bed, 2 bath, 1,494 square foot coastal cottage built in 2004 delivers the lifestyle so many dream about. Light-filled living spaces with vaulted ceilings flow effortlessly to inviting outdoor areas, from a serene screened porch to a shaded pergola perfect for coastal entertaining. With flexible spaces for guests or creativity, private access to a fishing pier on Aransas Bay, and Fulton’s harbor, dining, and shops just blocks away, this move-in-ready retreat is your opportunity to fully embrace relaxed coastal living—one look and you’ll want to know more. David & Neli Spurrell, Realtors Spears & Co. Real Estate Rockport, TX

Light-filled and beautifully designed, this 3 bed, 2 bath, 2,092 square foot Sea Oaks Village home built in 2015 blends modern comfort with coastal convenience. An open-concept layout showcases a chef-inspired kitchen, inviting living spaces, and thoughtful touches throughout—including a tucked-away office nook and a serene owner’s suite with spa-style bath. Step out to an oversized patio made for relaxing or entertaining, all in a low-maintenance, private setting. With a split floor plan, generous storage, and a prime Fulton location just minutes from Rockport dining, shopping, and bay fishing, this is the kind of home you’ll want to explore further. David & Neli Spurrell, Realtors Spears & Co. Real Estate Rockport, TX

A lot of people may think their credit score isn’t good enough to buy a home. That may be because the median buyer’s score is pretty high (775) – so people assume they need near-perfect credit. But that’s not necessarily the case. Data shows some buyers today are qualifying with scores in the mid-600s. And the median for the lowest 10% of buyer scores is 660. So, you may have more options than you think. If your credit is what’s been holding you back, take this as your sign to reach out to a lender to talk through your options. Contact me for more information.

Open House Invitation located at 568 W Post Oak LN, Rockport, TX 78382 Date: Saturday, January 17, 2026 Time: 1:00 PM - 3:00 PM Holiday Beach home. Near Goose Island State park and minutes from Rockport beach and artsy downtown!

Open House invitation at 8 Primrose Fulton, TX 78358 Date: January 17, 2026, Saturday Time: 1:00 PM - 3:00 PM 3-bedroom, 2-bath cottage located in Heron’s Roost. Community private lighted fishing pier and a scenic park with picnic areas overlooking Aransas Bay. Blocks from Fulton’s harbor, restaurants, and shops. Learn more for details.

Open House event invitation. Event location 156 Whistlers Cove Rd. Rockport, TX 78382 Saturday, January 10, 2026 from 12:00 -2:00 pm 2-bedroom, 2-bath plus den home. Located in Whistlers Cove. Learn more for details.

Open House event invitation on Sunday, January 11, 2026, 1:00 -3:00 pm. Location 13745 Tajamar St. Corpus Christi, TX 78418. Open house showing of this 3-bedroom, 2.5-bathroom home. Direct water access and just 5 minutes to the Intracoastal Waterway. New appliances. Learn more for property details