Krystal McKinnie · Houston, Texas
McKinnie Brokerage: A Private Client Practice
Buy new. Sell smart. Finance with a clear plan.
Choose the path that fits your next move. Get focused guidance from a real estate broker and loan officer with experience across the full transaction.
Wealth doesn’t define a private client at McKinnie Brokerage. Readiness does. Krystal McKinnie, Texas real estate broker and mortgage loan officer, personally accepts a limited number of clients each year and handles every transaction herself, from first consultation through closing.
One advocate for the home and the loan.
Krystal is dual licensed to guide both sides of your purchase. She can negotiate the builder deal as your real estate broker and originate your mortgage as your loan officer, giving you independent buyer representation and an independent financing comparison beyond the builder’s salesperson and preferred lender.
McKinnie Brokerage, LLC · TREC 9002742
Krystal McKinnie, Loan Originator · NMLS 311413
Use either service or coordinate both through one point of contact.
One point of contact, four ways forward.
Start with the resource you need now. Each path leads to one short contact form, pick your interest, and Krystal follows up directly. No account or login required.
New construction, bought with a plan
A model home is a sales office. Before you walk in, Krystal maps the full cost of the build with you, the builder's incentives, any rate buydown, the MUD or PID tax rate, HOA dues, and what an extended rate lock costs if the build runs long. And you register with the builder with your broker named from the first visit. That registration is what protects your representation.
For buyers who are pre-approved, or ready to be.
- Builder incentives and rate buydowns, compared in real dollars
- MUD/PID taxes and HOA dues counted in the payment before you commit
- Contract and timeline review: build milestones, rate locks, delay costs
Home value review + instant proceeds estimate
Estimate what could remain after a sale, then request a professional value review from Krystal. The calculator uses your working sale price, not an automated appraisal.
For sellers with equity and a real timeline to list.
- Instant proceeds estimate from the figures you enter
- Property-specific value review and listing conversation
- Clear distinction between estimated price and likely net
Sell & Buy: one move, one plan
Selling the home you have while buying the next one is a sequencing problem, and new construction gives you the one thing a resale doesn’t: time. While the builder builds, your current home is listed and sold, and your proceeds are counted from a professional valuation, not an automated estimate, before they become your down payment.
- Professional equity review: your real net proceeds, not an algorithm’s number
- One timeline: list date, build milestones, and both closings on a single calendar
- Proceeds mapped to the down payment before either contract is signed
For homeowners with equity who are ready to sell and buy on one timeline.
Finance: the same advisor, if you choose
Krystal McKinnie is a Texas real estate broker and a mortgage loan officer with Loan Factory. If you choose to finance with her as well, your choice, in writing, your loan file is built against the same calendar as your purchase: documents collected once, milestones tracked against the build. The 60-second intake starts it: purchase stage, price range, and timeline.
For borrowers with documents ready and a closing window in sight.
- One set of documents for the purchase and the loan
- Loan milestones matched to build milestones and closing dates
- Your broker and your loan officer are the same person, nothing handed off
This is not an application, pre-approval, or commitment to lend.
The Client Readiness Screening
Complete the readiness profile below. If you're positioned, prepared, and decided, you'll hear back with a consultation time. If you're not there yet, you'll get the steps to get ready, and the door stays open.
A broader view of your transaction.
Krystal McKinnie brings the perspectives of a Texas real estate broker and mortgage loan officer serving Houston-area clients. That means your next step is considered in the context of the full transaction, not as an isolated decision.
What clients say
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