Kim Holt - Christians Team - Real Broker

12/19/2025

12.19.2025
Update......

North Haines is back open to traffic. Thank you for your patience.

12.18.2025
Meade County SD

10:10 pm, Deputies and Troopers are at the scene of a significant crash on N. Haines near Peterson Road.

N. Haines will be closed to through traffic for a long period of time. Please refrain from using N Haines, and consider alternate routes for the time bring.

We will update this post when the road opens.

The crash is under investigation by the SD Highway Patrol.

06/24/2025

06/03/2025

Thinking about selling your home in the Black Hills?

Here’s the truth most agents won’t say out loud:
Buyers don’t fall in love with granite countertops.
They fall in love with how your home makes them feel.

The smell of fresh coffee in the kitchen.
The afternoon light hitting the hardwood floors.
The feeling of “this is it” the moment they step inside.

That’s what gets you offers.

If you want to stand out in today’s market, it’s not just about staging—it’s about storytelling.
And when you work with an agent who understands that difference… everything changes.

Kim Holt, a heart-led home advisor helping Black Hills sellers move on—and move forward

05/28/2025

Thanks to all my great clients this was possible! 🏡❤️

05/26/2025

03/20/2025

Spring is HERE! And just like that, the real estate market is about to BLOOM!

If you’ve been waiting for the perfect time to buy a home… THIS is your season! 🌞 Longer days, fresh listings, and a chance to lock in your dream home before the summer rush.

With mortgage rates stabilizing and an anticipated 11.7% increase in housing inventory this year, now is a strategic time to make your move.

Why Act Now?

✔️ More Choices: An expected rise in available homes means better options to fit your needs.
✔️ Price Stability: Home prices are projected to appreciate at a slower pace, around 2.9% in 2025, offering a more balanced market.
✔️ Less Competition: Early spring buyers often face less competition, increasing your chances of securing your ideal home.

–> Want to stay updated on the hottest listings? Comment ‘LISTING’ and I’ll ensure you’re in the loop!

03/18/2025

Imagine you’re searching high and low for that perfect home 🏡 — every open house, every listing, until you finally find ‘the one.’ But here’s the kicker: there’s a lien on it. 😬

Liens can be attached to properties, meaning any debt or legal claim follows the property itself, not the owner.

Here’s what you need to know:

✅ Mortgage liens – These stay on the property until the mortgage is fully paid. Make sure all mortgage liens are resolved before you buy.

✅ Income and property tax liens – Unpaid taxes? These could mean the government has first rights on the property’s sale. Check for any tax liens early on.

✅ Judgment liens – If there was a court case against the previous owner, a judgment lien might be attached. This needs to be cleared before moving forward.

✅ How to check for liens – Start with public records searches or work with a title company to uncover any claims on the property.

✅ Removing a lien – Insist that the seller clears all liens before closing to avoid any lingering issues!

Did you find this helpful? Share this now with someone who needs to see this!

03/17/2025

☘️ Ever feel like buying a home is kind of like finding a four-leaf clover?

You search, you hope, you manifest some good luck… and then just when you least expect it—boom, the perfect one appears!

But here’s the thing: home buying isn’t just about luck. It’s about knowing where to look, what to expect, and how to make the right moves. (That’s where I come in 😉)

So, if you’re feeling lucky or just ready to finally make it happen—let’s talk!

Drop a 🍀 in the comments if you’re hoping this is THE YEAR you find your golden opportunity!

03/14/2025

Buying a home as a couple is exciting—but it’s also a big financial commitment. Before you start house-hunting, here’s what you NEED to ask each other:

1. What type of home do we both agree on? (House, condo, townhome? One-story or two?)

2. Where do we want to live? (City, suburbs, or rural? What about commute time? school districts?

3. How much debt do we have?

(Student loans, car payments, credit cards—how will this impact our home loan approval?)

4. What’s our long-term plan?

Are we buying a starter home or a forever home? How long do we plan to stay?

5. Whose name goes on the mortgage?
Are we applying together or just one of us? (P.S. One person’s credit score could make a big difference in your loan options!)

6. How will we split the mortgage and other home expenses? (Equal split, based on income, or another arrangement?)

7. How do we prioritize must-haves vs. nice-to-haves? (Bigger kitchen, extra bedroom, backyard? What can we compromise on?)

8. What happens if we break up or divorce? (Do we have a legal agreement in place for selling or buying each other out?)

9. How will we handle major decisions about the home? (Renovations, refinancing, or selling—what’s our process for making big choices?)

10. Do we need life insurance or a will now that we own property together?

💡 Pro Tip: The strongest couples tackle these conversations before putting in an offer—because a dream home is great, but financial stability is better!

03/13/2025

You swear you had more money, but somehow, after rent, UberEats, streaming subscriptions, and a few “treat yourself” moments… p**f. Gone. And the cycle repeats every month.

But what if your money actually worked for you instead of disappearing into thin air?

Here’s the truth: renting means you’re helping someone else build wealth. Owning a home means you start building equity—aka real wealth that grows over time. Imagine redirecting that rent check into something that actually benefits you long-term.

Solution? Start small

✅ Compare Rent vs. Buy in Your Area

In many cities, your mortgage payment could be the same (or even lower) than your rent.
Use online calculators to see the numbers for yourself.

✅ Get Pre-Approved to See What’s Possible

Even if you’re not ready to buy today, getting pre-approved shows you what you could afford.
You might qualify for more than you think—especially with first-time homebuyer programs that offer low down payments

✅ Look Into First-Time Buyer Programs

Some loans require as little as 3% down (not the outdated 20% myth!).
Look into down payment assistance grants or tax credits for first-time buyers.
FHA, VA, and USDA loans could open doors you didn’t know existed

✅ Work with a Real Estate Pro (That’s Me! 😉)

I can help you find options that fit your budget, connect you with lenders, and get you the best deal.

💾 save this for later, and send it NOW to someone you care about who needs to see this!