Here are some words from some of our very happy customers. We have helped some sell their home or buy their first home, whichever you need we will be glad to help. Give us a call at (956) 307-4544.
Our personal experience with the Ryan and Brian Team has been phenomenal.
We were pretty nervous to take the first steps into selling our home because of
everything that it entails and our busy schedules to top it off. From the moment
we reached out to Ryan on selling our house (which was within a week), to the
awesome pictures of our home by Abby, to the endless time spent with our Home
Advisor Frankie in finding our perfect home, and of course all who work behind
the scenes to make the customer as comfortable as possible, everything has been
great and painless. Selling our house was not too bad (I think…) but finding the
“Right One”…that was a challenge. Our Home Advisor was so patient with us and
continued to show us beautiful homes. After a couple of weeks of searching we finally
found the “Right One”!!! Practically at all times of the day, Frankie was there always
guiding and answering our questions/doubts/concerns. Also love the esign feature.
It makes everything so much faster and efficient. I would definitely refer my friends/family
members to Ryan and Brian Team. They are very knowledgeable and made everything
a breeze. Thank you for your hard work and dedication.
Ryan and Bryans entire team worked like a well ouled machine.
They made the entire process look like a piece of cake. Everyone in their
team is professional and always displayed worry free expressions, eventhough
they go through a lot of stress. Thank you, everyone.
Working with the Ryan and Bryan team was really hardly any work.
Ryan came in and spoke with us, from there it was down hill. His entire
team is great. They did all the work and contacted us only when it was
necessary. We went to another realtor and we noticed the difference right
away as soon as Ryan introduced himself. Ryan and his entire team rock.
They made the entire selling process feel like it was easy; although, We know
it wasn’t. We are very satisfied with their handling of things. We don’t trust
just anyone that easily but it was different with Ryan, you just know it was
the right person for the job. Thank you so much to everyone that was involved
in the process of selling our home.
Kathleen Mena was extremely helpful. She made the stressful
situation of selling my house smooth and pleasant. She is very professional
and was always available to help with concerns. If I ever need to buy or sell
another property, I’m definitely calling her to get the job done.
I was extremely pleased working with Kathleen and The Ryan
& Brian Team on selling my home. Although, the thought of selling
a home for the first time can feel overwhelming, my experience with
Kathleen was effortless. On top of being extensively knowledgeable,
she was always readily available to help answer any questions or concerns
I had and was by my side throughout the entire process. Her professionalism
and work ethic are exceptional and is the main reason I was able to sell my
home so quickly. I highly recommend Kathleen and The Ryan & Brian Team
to anyone looking for a realtor.
-P. De Leon
My wife and I had a wonderful 1st time home buying experience
with this Real Estate Team. Magali Ortega and Anthony Longoria
were amazing realtors! They took time out of their personal life
to answer even the smallest last minute questions and always
went the extra mile to find an appropriate home match! Look no
further, this is the best bet if you are looking for a great team to
help you find a home!
If you need to sell your house or land don’t hesitate call The Ryan
and Bryan team of realtors. I was treated lik family,my needs were
met,and i strongly recommend them.
My wife and I were first time homebuyers and had plenty of questions
and concerns, Jessica with the Ryan and Brian team was very helpful
and made the process very smooth, very appreciative
for her help. Definitely recommend her and the real estate team
Ryan & Brian are the rare very very very hard working
guys you want on your team for buying or selling! When
we are ready to purchase again they will be my first and only
call. Trust is invaluable they have EARNED mine.
I called my former Realtor Cynthia with Ryan and Brian Team,
but she was no longer Agent but is a trainer for new agents so she handed
me off to Anthony Longoria who handles the difficult cases. Anthony
was so professional and patient with me since this was the very first home
that I purchased. He walked me thru the buying process. The one thing
I asked Anthony was, to be honest with me whether it was good or bad
and he kept his word. I really appreciated that from him. Anthony was
easy to get in contact with and was quick to answer my questions. Anthony went
above and beyond with helping me with the purchase of my home. Call Anthony
with the Ryan and Brian Team he will help you find your dream home.
Outstanding knowledge and professionalism. These guys
know their business. My family and I have use Ryan and
Bryan’s team several times over the last few years. We have
never been disappointed, and that’s saying a lot. For most of
those transactions, I was a licensed Texas real estate agent working
in Austin. With the state license I could have represented myself and
my family, but I know enough to know that the better option was to let
them represent us. There are tons of agents to choose from, but none with
the expertise, experience, and level of quality that these guys have.
The RnB team were well educated in the real estate market to inform
me on how to properly list my home to sell! They were
very professional and credible.
I am very impressed with the over all professionalism of each
member of the team. I cannot imagine using anyone else when
buying or selling a home.
I called my former Realtor Cynthia with Ryan and Brian Team, but
she was no longer Agent but is a trainer for new agents so she handed
me off to Anthony Longoria who handles the difficult cases. Anthony was
so professional and patient with me since this was the very first home that
I purchased. He walked me thru the buying process. The one thing I asked
Anthony was, to be honest with me whether it was good or bad and he kept his
word. I really appreciated that from him. Anthony was easy to get in contact
with and was quick to answer my questions. Anthony went above and beyond
with helping me with the purchase of my home. Call Anthony with the Ryan and
Brian Team he will help you find your dream home.
Awesome team that works hard to find you thw gem you
are looking for! They will go out of their way to make sure
you are happy! True 24/7 service! I’m not sure that this team
sleeps! I work during the day so they would make themselves
available nights and weekends!!! I recommend them for your
-Monica De La Cruz
Amazing service! They helped us find our dream home
and we refer everyone we know to them now
-Raul N Becky
My husband and I are so thankful we found RNB team. Jessica
was great always answered any questions I had even late at night
she made everything very easy and smooth. First time home
buyers and I’m glad it went as smooth as it did. Jessica helped
us find our house in less than 3 days! She’s friendly and truly
wants what’s in your best interest. Thank you once again!
Jessica helped me a lot on my search to finding the perfect home for
my family. Thru couple of months searching and turning down a
few Houses down , we finally found the right house in the
perfect location thank you Jessica and thank u Ryan and Brian
-Bri Hdz Trevino
The experience that I had with the RNB real estate team was excellent.
Brian was readily accessible during the process of buying my investment
property. I appreciated his honesty in selecting an property that would
meet my needs. I appreciated attention to detail. Brian is very honest as
is his business partner Ryan. At no point did I ever feel misled. Their team
is complete and they provide a holistic approach to real estate. I would not hesitate
to recommend the Ryan and Brian real estate team to my friends or my family
Anthony was the best to work with. When we came to him we
had no idea where to start in the process to purchase our home.
He walked us step by step thru the entire process. His punctuality,
professionalism was just wonderful. Thank you so much, Anothony we
wouldn’t be here without you. May God bless you and your family.
-Genesis Sarai Gonzalez
I Highly recommend the Ryan & Brian Team. As a first time home buyer
Anthony helped guide me through the whole process. I didn’t realize how
easy it could be. He explained the whole process ahead of time so I knew
what to expect. There was never any pressure to buy, he really made me
feel like he cared about me. If you are looking for an honest hard working
roup, The Ryan & Brian Team is there to help you.
Awesome experience and easy journey. Kathleen and Abby were very attentive to our
family needs and worked greatly with our busy schedule. Very professional service
and the transition was completed in a timely manner. We sold our home during the first
day in the market. Perfect marketing skills! Thank you for being part of our journey
and definitely recommend your service to everyone. We are very happy and satisfied
with the service provided. Thank you.
We had the best agent! They found the perfect home for my family’s
needs and lifestyle! Process was smooth! Stress free! Thank you RnB team!
Ryan and Brian and their team helped making the buying of our
first home a smooth experience. Cynthia is a dedicated, friendly
agent and Ryan directly helped us to to secure the home we wanted
with his executive skills. We are thankful and blessed to have been led through the
experience by this team! 😀
The absolute best when buying or selling. My husband and
I have used The Ryan & Brian Real Estate Team for both occasions.
We will continue to team up with the R&B Team because they have a
very knowledgeable and friendly staff.
When we decided to sell our home we called Ryan and Brian. They both
had integral parts in getting our house sold. They were quick to get it on
the market and advertise our property in multiple ways. They educated us
on how the market works and worked really hard on getting our home sold.
They had an open house and found us a buyer for our home and turned
around and got us into a great home we love and have enjoyed raising our
children in. During the buying process Ryan looked high and low for
properties that met my description. I felt like he took special interest into
my needs and truly wanted us to be happy. I appreciate all the team did to get us
in our home. I highly suggest you take the time to listen to the knowledge these
guys have of the RGV, it’s well worth it.
I Highly recommend the Ryan & Brian Team. As a first time home
buyer Anthony helped guide me through the whole process. I didn’t realize
how easy it could be. He explained the whole process ahead of time so I knew
what to expect. There was never any pressure to buy, he really made me feel like
he cared about me. If you are looking for an honest hard working group, The Ryan
& Brian Team is there to help you.
Tania and Brian Reed from Ryan and Brian Real Estate Team are a
great team. Tania showed us all the houses we wanted to see until we
found the right one. Brian helped us navigate through the closing
process. We have been in the house a year and love it. Tania and Brian
continue to be helpful. They have a great number of contacts for any
services you would need. They recommended a wonderful painter,
affordable decorator, a pool company and landscaper. If you are
looking for a trustworthy, reliable and professional team look no
further than Brian and Ryan Real Estate Team.
The Ryan and Brian team are the most professional realtors. They help
you in any way they can and they are prompt to answer all your questions.
Great people, Great service!! Highly recommended! They found us our home within a week.
Awesome team! This team is very knowledgeable and very proficient in
helping you list and buy your house. They have a system down which made
it very easy for me to sale and buy the house of my dreams. Very thankful
for them guiding me so that I can sale my house quickly and list it a
competitive market value to get the most out of the house I sold.
Thank you to their team for everything. I would gladly recommend
them to anyone looking to buy or sale their next house!
Trustworthy, honest, respectful, and timely those are a few words to
describe how Ryan and Brian treated me as a customer. An outstanding database
of homes and a streamlined home purchasing process sets them apart. Thank you!!!
-Nicholas T. Perez
Great team of professionals and great service, highly recommended!!
Trustworthy, honest, respectful, and timely… those are a few words to
describe how Ryan and Brian treated me as a customer. An outstanding
database of homes and a streamlined home purchasing process sets them apart. Thank you!!!
Not only are these guys handsome, but they really care about you
as a client and will guide you in the right direction when purchasing a home.
Ryan and Brian helped my wife and I purchase our 1st home in McAllen 11
years ago. Now that our family is growing and we’re looking for another
home, there is no one I would rather work with than them. Their website
is always updated and easy to use and someone from their team is always
available to answer questions or show us a new listing. Highly recommend!
When we decided to sell our home we called Ryan and Brian. They
both had integral parts in getting our house sold. They were quick to
get it on the market and advertise our property in multiple ways. They
educated us on how the market works and worked really hard on getting
our home sold. They had an open house and found us a buyer for our home
and turned around and got us into a great home we love and have enjoyed
raising our children in. During the buying process Ryan looked high and low
for properties that met my description. I felt like he took special interest into
my needs and truly wanted us to be happy. I appreciate all the team did to get
us in our home. I highly suggest you take the time to listen to the knowledge
these guys have of the RGV, it’s well worth it.
High Performance Team in the McAllen area! Thank you for taking care of the referral
I sent you You guys SOLD her home fast and for top dollar! We are very pleased
with your service & expertise!
Great service and professionalism, I highly recommend them!
We were completely satisfied with the whole experience. The experience was
professional and we had complete confidence that our house would be sold soon.
We went in with an idea of what we were asking for and they actually went a little
bit higher and said they would be able to get that for us. It was a quick process. All we
had to do was get the house clean and photo ready. Within 3 weeks the house already
had multiple bidders. We had a little bit of a bidding war. It ended up selling for above
asking. It was a great experience. It was super easy, they were very communicative and
let us know everything that was going on throughout the process. We had a renter in
the house and we don’t live in the same city as the house we own. They were closer to
the house so they pretty much ran around and got spare keys and did a lot of stuff for us.
We were an hour and fifteen away from it – so they made it very easy for us. We have
recommended to our friends who were having a hard time selling their parents
rental home and Ryan and Bryan did it! We would use them again.
Working with the Ryan and Brian team was great. We had an
offer on our home within 5 days of being on the market. I highly
recommend the Ryan and Brian Team!
Ryan and his team rocked it out on the sell of our home. A million thanks
to the entire staff, from listing to getting it SOLD, everyone had a vital
part in this process and everyone indeed fulfilled their part.
Ryan and his team made the selling of our home a speedy
and successful one. With an evidence-based approach, Ryan
and his team were efficient, competent, and compassionate
throughout the whole process. My family and I are grateful
for their services and highly recommend Ryan and his team
for any of your real estate endeavors.
I was a first time homebuyer, I had no clue about the buying process but
I knew what I wanted in a house. The R & B team (Kathleen) helped figure
out what houses fit my wish list and didn’t just have me looking at endless
listings. Kathleen also explained to me the escrow and closing process.
Honestly, I recommend the R&B team to everyone I know looking to
buy or sell a home.
Ryan was our agent. He did an “Awesome” job to say the least.
He had to work with (5) owners for one property. He was very
understanding of all of our needs and patient as he represented us
on the sell of our house. Every step of the way we had his team
assisting us. If your wondering should we hire this team, I would say
to you “Yes!” Promise you they will take care of you from the start to
the end. Ryan & Brian Team – Thank you so Much for selling our house
I had confidence in my buyers agent, Anthony Longoria. I felt he was truly
representing me and had my best interests in mind as we negotiated through some
tough times. I dont think I’d be a homeowner today if not for the Ryan & Brian team.
Anthony is a terrific ,knowledgeable, and respectable individual.
He will go above and beyond to meet his clients request in looking
for a future home.
I had confidence in my buyers agent, Anthony Longoria. I felt he
was truly representing me and had my best interests in mind as we
negotiated through some tough times. I would definitely recommend
him to my friends & family
Very attentive! For older clients they are very respectful and considerate.
They understand the needs of young families since they have young
I had confidence in my buyers agent, Anthony Longoria. I felt he was truly representing
me and had my best interests in mind as we negotiated through some tough times.
I don’t think I’d be a homeowner today if not for the Ryan & Brian team.
My sister’s and I met Ryan during a very difficult time due to a terminal
illness with our father. From the start he took a special interest and sympathized
with us on why we needed to sell our parents home. After reviewing our childhood
home he gave us a realistic assessment of what to expect in an uncertain market.
Through these uncertainties, Ryan demonstrated high hope and was positive our
home would sell at a perfect timing for our family. Ryan held our hands and made
what we thought was the impossible and made it a reality. After our father’s death,
Ryan remarked our home and within days we had an offer and shortly thereafter we
closed on the home. We highly recommend The Ryan and Brian Team for their
trustworthiness and professionalism. No doubt in our minds we will use Ryan again
for any of our future needs.
Ryan and I have been close childhood friends, so when I was in the
market to purchase a home, I knew I was going be working with the
Ryan and Brain Team. I knew Ryan was a selling agent that specializes
in working with individuals who want to sell their home. So when my wife
and I met with him, I expected that he would get me in contact with one of
his buying agents. I trusted that he would take care of us so I did not have
doubts as to the quality of the agent he would refer us to. He handed me
off into the great hands of Kathleen Mena. Kathleen walked us through the
entire buying process, educated us on the current market in the Valley and
gave us honest feedback regarding areas and properties that met our wants
and needs and those that did not. She was easy to get in contact with and was
quick to answer all our questions. She is very knowledgeable and was a pleasure
to work with. She made every effort to be helpful and went the extra mile for us
as she followed up with the mortgage lender and us to ensure we had submitted
all the required paperwork. She would also make time to visit us at work to drop
off documents and meet us at the home when we were looking to plan our remodel
or show our family our new purchase. The Ryan and Brian Team are great to work
with and I highly recommended them if you are looking to buy or sell your home. I
especially like that their agents are specialized as either a buyer or a seller in order
to provide you dedicated and well-informed services to help meet your specific needs.
I listed my condo with Ryan Peterson and he sold it in a week. I had a
fantastic relationship with everyone in their firm that I dealt with. I will
recommend the entire firm to anyone that I talk to that is looking to sell
a unit or looking for a home…
Kathleen was wonderful to work with and very easy going. My fiancé and
I were very pleased with our professional experience and journey with her
as we looked to purchase our first home. She was knowledgeable and ready
to help with useful suggestions to fit your wants/needs. Kathleen worked to
find us exactly what we were look for and was always readily available at any
time to help answer all the questions we had. For anyone looking to buy a home,
this could be a very stressful time. The process with her was seemingly effortless.
I would recommend her to anyone looking to hire a realtor. It’s worth it and will
make your life just a little bit easier 😉 You will not be disappointed.
I initially found Ryan & Brian by doing an internet search and reading
reviews. (THE REVIEWS ARE SPOT ON) I was an out of state property
owner looking for the right company to assist me in my sale. I relied heavily
on this team. I worked with Brian or one of his assistants MOST the time. I
ould highly recommend them. Be sure you hire an EXPERIENCED agent(s)
to work for you or it could cost you $$$. (I speak from first hand experience)
If you like, private message me if you have a question.
It was a pleasure having Kathleen as our realtor. As first time
home buyers we had a lot of questions and doubts about what we
were looking for. Kathleen was very patient and understanding,
she showed us a lot of homes and never pressured us into anything.
That allowed us to finally find the house that was right for us. We
are very grateful for all the patience and willingness Kathleen had
to work with us and finally find us the house of our dreams.
Working with Kathleen was an absolute pleasure. From her
knowledge of market conditions to her negotiating skills,
she made my home buyer and selling process extremely
enjoyable. Highly recommend her to anyone looking for
an experience realtor with a focus on customer service!
Had a great experience with Kathleen!! I highly recommend
her and would definitely use her again!! All appointments and
paperwork was done in a timely manner!!
-Stephanie r nelson7
The team was essential in helping me prepare my home
to look its best-as a result I was able to sell at full asking price.
The Ryan & Brian Real Estate Team are extremely
professional when they say they are going to do
something they will do it they took over and did
everything 100%. 100% kudos!
I Enjoyed working with the Ryan & Brian Real Estate Team.
They made it too easy to sell my house.
What can I say that already hasn’t been said? Solid teams start
from the top and this team has it all. The Ryan & Brian Team
were a true pleasure to work with. Communication and transparency
all along guiding me step by step the home buying process. I have
had the pleasure of meeting Ryan, Brian, Tanya, Cynthia, Kathleen,
Anthony, Jessica, Magali, and their newest addition Pete all are amazing
people who will look out for your best interest. If you are looking to do a
transaction in real estate contact them.
Absolutely the best. Caring, informative and they get things done.
The absolute best agents in the industry, very easy to work with, and best
customer service. If you’re looking for real estate services, they offer it all.
–Michael Jon McCarthy Jr.
Kathleen was an absolute joy to work with!! My fiancé and I were
very pleased with our professional experience and journey with her
as we looked to purchase our first home. She was knowledgeable and
ready to help with useful suggestions to fit your wants/needs. Kathleen
worked to find us exactly what we were look for and was always readily
available at any time to help answer all the questions we had. For anyone
looking to buy a home, this could be a very stressful time. The process
with her was seemingly effortless. I would recommend her to anyone looking
to hire a realtor. It’s worth it and will make your life just a little bit easier
You will not be disappointed.
Anthony Longoria is a very intelligent and ethical realtor.
He brings tons of information to the table and saved a deal for
us due to his expertise in appraisal information. I highly
recommend Anthony and would love to work with him again!
Ryan made the process of selling my home seamless.
He had my best interests in mind and gave honest advice.
Ryan answered my questions with patience and clarity.
His communication throughout the process was fantastic
and he always made me feel like a priority. He still touches
base with me to this day despite the sale of my home being
several months ago! Don’t trust anyone else with the
biggest transaction in your lifetime!!
– Jesse Cavazos
I had a great experience with the Ryan and Brian Team of
Expert Advisors. Ryan’s expert advice made purchasing my
first home a smooth and pleasant experience. He was
always available to answer any questions that I had and
was attentive to my needs. I would recommend them.
– Jason Broughton
Kathleen was patient, professional and informative always.
She went at our pace which we loved. My wife and I were
first time home buyers and with that comes a dose of
uncertainty, frustration and lack of knowledge. Kathleen
was patient with us as we went through the positives and
negatives of home buying. She always responded in a
timely manner as well. Go with the Bryan and Ryan team
if you are thinking of buying, they’ll deliver.
The Ryan and Bryan team helped me with both selling a
house and buying another one at the same time. I had an
offer on my home after less than a week on the market!
Ryan negotiated the exact price I was hoping to hit, and
I could not have been more pleased. They recommend
hiring a stager and it is well worth the money. I don’t
think I would have sold the house as quickly and for the
price I got without professional www. They know what
sells, so I followed their advice and it paid off. I am
certain I wouldn’t have had the same success with any
other realtor. Since my house sold faster than expected,
I was in a crunch to buy another one. Kathleen was very
helpful and patient with me as she negotiated a very fair
contingency deal for me and took control of the situation
when there were some snags that had to be ironed out.
I was very anxious about the timing –and I am not a
patient person when it comes to paperwork, details,
and setbacks. She handled all the little things that stress
me out and talked me down several times when I was
frustrated and ready to just give up! The Ryan and Bryan
team approach made the business end of the entire
moving process very smooth for me, allowing me to
focus all my attention on the stressful task of switching
households. I’m quite pleased and I would recommend them.
– Phyllis Leverich
My husband and I were looking at a home when we stumbled
across the Ryan & Brian team. We called just to set an appoint-
ment to see the house but, they wanted to meet us in person
first to get to know us and what we are interested. At first, I
thought it was strange because most agencies don’t do that.
However, it was a wonderful experience. Brian sat with us
along with Magali (our buyer representative) and we talked
about what type of house we wanted, the area, figures, etc.
That meeting went so smoothly and we decided they were
the best option for us. Throughout this entire process Magali
was AMAZING! This young lady was always answering our
calls, texts, and questions if we had any. If she didn’t know
the answer to our question, she would ask and get back to
us quick. She was always on top of things. She showed us
that she really cares for her customers and that they deserve
the best customer care. I really recommend them. You will
feel welcomed and leave knowing that you have made friends
– Jennifer Salinas
Hear Some More Amazing Testimonials from Clients:
I wouldn’t look any further for someone to represent you during this decision. Ryan and his team are true professionals that work well together to get your home sold for a competitive price! Our home sold in less than a month, for above asking. Beyond grateful for the dedication and effort in listing our home.
We were eager to move and was able to get the property under contract in 2 months! We were able to work with a professional stager for our home and loved the input on our property. I have even been telling my friends about the great work the Ryan and Brian Team did for us!
Iris & Travis Terry
After having no interest in our home for the 6 months we were with a different realtor, Ryan and Brian brought us a contract in 3 weeks after listing with them! We were impressed with Ryan’s “go get ’em” attitude and energy. Their marketing and concentration through social media got the job done for us. We couldn’t be happier! Thank you, Ryan and Brian Team!!
Terry & Kelly
I appreciated your help in marketing and getting our warehouse sold in the Rio Grande Valley. Everything both of you did was always done in a very professional manor from the beginning to the day of the closing. When I have another piece of real estate to sell, I will definitely let you guys list it for me.
The team was great in that there was one person in charge of each aspect of the. The team was quick with scheduling and getting my home sold. And, great with texting because you can’t always answer and they were texting between agents getting the showing. We are so happy we didn’t have to have 100 showings but had the home shown and under contract before the first day was up. I’d give them 10 out of 10 rating!
David & Kristi
I have had the privilege of working with Ryan & Brian Team on several occasions. They are always hard working, efficient, thorough and professional. Any questions are quickly researched and answered and contracts followed through to completion. I highly recommend them to anyone wishing to purchase real estate in the Rio Grande Valley.
Wayne Gapsiewicz, McAllen, TXWayne Investments
I was lucky enough to work with Kathleen Mena she was amazing. The entire team is great. They want you to get your dream home and will answer all your questions even at 10pm on a Saturday. I love my house and thank you for all the hard work you did.
The Ryan and Brian Team was able to get my property under contract in 10 days! They were fantastic and worked with my busy schedule making the process smooth!
As first time home buyers, Ryan Peterson was patient enough to show my wife and I a wide variety of houses and guide us in purchasing the best home for us. It’s been over two years since we bought our first house, and we continue to love our home more and more each day. Brian Reed continues to give me advice on how to properly upgrade our house and lawn to get the best return on our investment. Thanks again to the Ryan & Brian Team.
JJ Trujillo, McAllen, TX
We not only sold our home but bought a home with The Ryan & Brian Team. We expected great service but were amazed to see it all in action from beginning to end. This team of experts work around the clock and always keep you up to date as things evolve. I couldn’t have asked for a better experience and highly recommend them to anyone looking buy or sell their home.