Stephen Holland - EXP Realty

Stephen Holland - EXP Realty Whether residential, land, or commercial property, I'm here to help you in any way that I can & to be the Real Estate Professional that you need & deserve!

Born and raised in Dothan, Alabama, I'm here to be the Real Estate professional that you & your family need and deserve to represent you and your best interests. As a father and homeowner myself, I understand that Real Estate is the biggest investment & purchase of most of our lives. If your family, friends, or you find any property that you are interested in (whether it be to buy or sell, anywher

e in the world), have any questions regarding any properties, or need any help at all in your search, please feel free to text or call me at 334-797-0134 or email me at [email protected]. I'm here to help you in any way that I can.

Stop blaming young adults for living at home. The numbers tell a different story.A record 25.2 million adults under 35 l...
06/19/2026

Stop blaming young adults for living at home. The numbers tell a different story.

A record 25.2 million adults under 35 lived with their parents in 2025. That's higher than even pandemic levels. But here's the part that should stop you in your tracks.
70% of them have jobs.

This isn't about motivation. It's about math.

Median home price in 2025 hit $430,000 nationally, up 34.4% since 2019. Median asking rent climbed to $1,673 a month. Wages simply have not kept pace with housing costs. Living at home isn't failure. For a lot of people right now, it's a strategy.

If you're in your 20s or early 30s working hard, paying bills, and still living at home, you are not behind. You are being smart in a market that has gotten genuinely harder to break into.

But living at home doesn't have to be forever, and it doesn't have to feel hopeless. There are real paths to homeownership even in this market. First time buyer programs. Lower down payment options. Markets where your dollar still goes further. You just need someone who knows how to find them.

I've personally closed hundreds of transactions here in the Wiregrass region of Southeast Alabama and Southwest Georgia, and my team of partner agents across the country has closed a combined tens of thousands more.

If you're local, I work with you directly. If you're anywhere else in the country, I'll connect you with a trusted agent in your market who will take care of you the same way I'd want my own family taken care of.

Call or text me at 334-797-0134 and let's talk about your path forward. No pressure. Just an honest conversation. 🙏

A New Bill Could Bring Small Banks Back Into the Mortgage Game. Here's Why That Matters 🚨Most people have no idea why th...
06/19/2026

A New Bill Could Bring Small Banks Back Into the Mortgage Game. Here's Why That Matters 🚨

Most people have no idea why their mortgage options feel so limited. This bill explains it. 👇

The 21st Century Road to Housing Act includes nine banking provisions designed to undo regulations from after the Great Recession. Those rules ended up pushing small banks and credit unions out of the mortgage market for over a decade.

Here's why that matters to YOU:

🔴 Fewer lenders in the market means less competition and fewer good rates.
🔴 Big banks have dominated mortgage lending for years.
🟢 Small banks and credit unions often offer more personalized service and flexible underwriting.
🟢 More lenders competing for your business means better rates and terms for buyers.

This is a great reminder of something I tell every client. Never assume you only have one or two mortgage options.
The lender who's right for your neighbor might not be right for you. Shopping multiple lenders, including local banks and credit unions, can save you thousands over the life of your loan.

As a broker who has personally closed hundreds of deals, connecting buyers to lenders who actually fight for them is just as important as finding the right home. 👇

🏡 If you're interested in buying, selling, or investing anywhere in Southeast Alabama and Southwest Georgia, I'd be honored to help you personally achieve your real estate goals. I'm here for you step-by-step. However, no matter where you're buying or selling in the United States, I can help connect you with a trusted local agent who knows how to get you the best deal in YOUR market.

💬 Text or call me at 334-797-0134, and let's make sure you're not leaving money on the table. Free consultation.
Follow me across all social media platforms for the housing policy news that actually affects your wallet.

06/19/2026

😳 Mortgage Rates Just Hit 6.51%. Here’s Why the Housing Market Is Still Struggling.

Mortgage rates just climbed to 6.51%, the highest level in 9 months, and a lot of buyers are wondering why rates still aren’t dropping. 📈

Yes, there’s a new Federal Reserve chair.
But the reality is mortgage rates are influenced by MUCH more than politics alone: • inflation • oil and energy prices • Treasury yields • global conflict • economic uncertainty

And right now, all of those pressures are pushing rates higher instead of lower.

Personally, I think too many people are sitting on the sidelines waiting for the “perfect” housing market instead of building the right strategy for the market we actually have.

Because even in today’s real estate market: 🏡 some sellers are reducing prices 🏡 builders are offering incentives 🏡 buyers have more negotiating power in some cities 🏡 relocation opportunities still exist nationwide

There is no one-size-fits-all housing market anymore.

That’s why I spend so much time helping people understand their options. If you're buying or selling in Southeast Alabama and Southwest Georgia, I'm here for you personally, and for anywhere else in the United States, I love connecting folks with the right REALTOR® in their local market across the country.

If you’re thinking about buying a home, relocating, investing, or selling in today’s market, please feel free to text or call me at 334-797-0134!

Regardless of where your local market is, I’m here to help connect you with the right real estate professional for your situation anywhere in the U.S.

06/18/2026

🏡 241 N Morris Street, Slocomb, Alabama!

If you've been searching for a home with character, space, and updates already completed, this one deserves a look!

Inside, you'll find over 2,900 square feet with 3 bedrooms, 2 bathrooms, two spacious living areas, a formal dining room, original hardwood floors, and beautiful heart-pine tongue-and-groove ceilings.

The kitchen has been updated with quartz countertops, stainless appliances, abundant cabinetry, and plenty of workspace, while the bathrooms have also been renovated with quality finishes.

You'll appreciate the details that are becoming harder to find, including built-in storage, large closets, a brick fireplace, natural light throughout, and a floor plan that gives everyone room to spread out.

Outside, you'll find a covered front porch, rear deck, patio area, mature pecan trees, attached carport, and an approximately 24x32 workshop with power and water, offering incredible flexibility for hobbies, projects, storage, potential apartment, or future improvements.

Additional updates include:
✔️ Metal roof
✔️ Energy-efficient vinyl windows
✔️ Two Rheem HVAC systems
✔️ Updated lighting
✔️ Newer water heater

📍241 N Morris Street, Slocomb, AL
💲324,000
📲 Text or call me at 334-797-0134 for further information!

Dothan ranks #4 in U.S. News' Best Places To Live In Alabama!
06/03/2026

Dothan ranks #4 in U.S. News' Best Places To Live In Alabama!

🏡💻 Let me know if you'd like to stay updated with newly listed homes in Dothan! I can keep you updated with available ho...
06/01/2026

🏡💻 Let me know if you'd like to stay updated with newly listed homes in Dothan! I can keep you updated with available homes as they hit the market!

📲🏘️Text or call me at 334-797-0134 if you have any questions or would like to get started finding your new home today!

06/01/2026

A lot of people see a lower price tag and automatically think it’s the better deal. A lot of people watch "This Old House" or anything on HGTV and fall in love with the idea of remodeling an older home.

But here’s what most buyers DON’T think about:

🏡 Older homes often come with:
• higher power bills
• aging HVAC systems
• older roofs
• more repairs
• less energy efficiency

Meanwhile, buyers of new construction homes are saving an average of $25,335 over 10 years on utilities and maintenance compared to buyers of 20-year-old homes. 😳

Yes, new homes cost more upfront.
Nationally, about $60,000 more on average.

But over time?
Lower monthly costs and fewer repairs can close that gap FAST. You also get the benefit of often being able to customize and choose materials/upgrades/colors of your choice.

Sometimes the “more expensive” house actually costs less to live in. 👀

I'd love to help you get started in the right direction and achieve your real estate goals. Whether you're looking in Southeast Alabama, Southwest Georgia, or any city or state anywhere in the entire USA, I'm here for you and am always just a text or call away at 334-797-0134!

That's what I'm here for as your national real estate resource. Just text or call me, and let's get started with building your dream home!

This is one of the biggest myths in real estate right now. 🏡A lot of people think buying a home is impossible, because t...
06/01/2026

This is one of the biggest myths in real estate right now. 🏡

A lot of people think buying a home is impossible, because they don’t have tens of thousands saved up.

But what most people DON’T realize is there are actually more than 2,000 down payment assistance programs across the country. 😳

We’re talking about:
✔ grants
✔ forgivable loans
✔ zero-down programs
✔ first-time buyer assistance

And many aren’t just for low income buyers either.

Some programs are specifically designed for:
• teachers
• veterans
• nurses
• first responders
• public servants
• everyday working families

Honestly, I think one of the biggest problems in housing right now is lack of education.

A lot of people who could buy a home…
simply don’t know what options exist. 👀

That’s why having the right mortgage lender and REALTOR® matters more than ever. I'd love the opportunity to help you get paired with the right professionals and get started today!

Just text or call me at 334-797-0134! I'm always just a text or call away!

If you or anyone you know are looking in Southeast Alabama and Southwest Georgia, I'll be glad to help you personally. Even if you're not looking here locally but are looking anywhere in the entire United States, any city or state, I can help connect you with the professionals in YOUR local market. All you have to do is text or call me, and let's get started with making your homeownership dreams come true!

05/31/2026

📈 Mortgage Rates Just Hit 6.53%! What Every Homebuyer Needs to Know! 🤔

Mortgage rates are rising again.

The average 30-year fixed mortgage rate just climbed to 6.53%, the highest level we've seen in 9 months. This type of home loan features an interest rate that remains completely unchanged for the entire 30-year repayment term, ensuring your monthly principal and interest payments stay the exact same for the life of the loan.

For anyone thinking about buying a home, relocating, or investing in real estate, this is another reminder that the housing market remains challenging.

Higher mortgage rates mean: 🏡 higher monthly payments 🏡 reduced affordability 🏡 less buying power.

And according to economists, inflation concerns tied to the conflict involving Iran and rising energy prices are putting additional pressure on mortgage rates and the overall housing market.

Personally, I think this is where a lot of buyers get stuck.

They keep waiting for the perfect housing market.

The perfect mortgage rate.
The perfect time to buy.
But real estate has never worked that way.

Every market creates winners and losers.

Right now: ✔ some sellers are reducing prices ✔ builders are offering incentives ✔ housing inventory is increasing in many markets ✔ buyers have more negotiating power than they had a few years ago.

The question isn't whether the market is perfect.

The question is whether there's an opportunity that fits YOUR situation.

That's what I'm here for.

If you're thinking about buying a home, selling, relocating, investing, or simply trying to understand today's housing market, text or call me at 334-797-0134! That's what I'm here for!

If you or someone you know is looking in Southeast Alabama and Southwest Georgia, I'll be glad to help them personally. Even if you or they are not, I help connect people with trusted REALTOR® partners across the country so they can make informed decisions in their local market. Feel free to reach out at any time!

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