Issuu

NORTH DALLAS

JANUARY 2026

RYAN WILLIAMS

Turning Vision Into Value

MISSY FOURNET AND ZACHARY HOBGOOD Rooted in Care

CATHIE CROUCH Defying the Odds

Ann O’Blenes & Elizabeth Ritch TWO FOR THE PRICE OF TRUST

CHASE CRENSHAW AND GARY BOURGEOIS OF BARRETT FINANCIAL GROUP

People-first Mission

PROPERTY INSPECTION GROUP Stronger Together PHOTO BY BRET REDMAN

2 • January 2026

North Dallas Real Producers • 3

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North Dallas Real Producers • 5

Contents

Ann O’Blenes & Elizabeth Ritch

COVER STORY

IN THIS ISSUE PROFILES

Fournet and 42 Missy Zachary Hobgood

48 Cathie Crouch

8 Meet The Team 10 Preferred Partner Index 12 Publisher’s Note 14 Your North Dallas RP Badges 16 Agent on the Rise: Ryan Williams 22 Preferred Partner Spotlight: Property Inspection Group 28 Preferred Partner Spotlight: Barrett Financial Group 34 Cover Story: Ann O’Blenes & Elizabeth Ritch 40 MetroTex: In the Know 42 Power Team: Missy Fournet and Zachary Hobgood 48 Inspirational Agent: Cathie Crouch 52 Event Recap: Masterclass

If you are interested in nominating people for certain stories, please email us at: email goes here@n2co.com 6 • January 2026

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Meet The Team Jordan Espeseth Founder/Co-Owner

Lance Dunahoe Co-Owner

Ashley Gentry Agent Liaison

Reece Gentry Partner Liaison

Katherine Fondren Editor

Sarah Consentino Ad Strategist

Rick Davis Videographer

Scott Peek Photographer

Vanessa Corral Photographer

Beth Graeme Photographer

Christopher St. Germain Photographer

Jessica Espeseth Social Media Director

DISCLAIMER: Any articles included in this publication and/or opinions expressed therein do not necessarily reflect the views of The N2 Company d/b/a Real Producers but remain solely those of the author(s). The paid advertisements contained within the Real Producers magazine are not endorsed or recommended by The N2 Company or the publisher. Therefore, neither The N2 Company nor the publisher may be held liable or responsible for business practices of these companies.

8 • January 2026

North Dallas Real Producers • 9

Preferred Partners This section has been created to give you easier access when searching for a trusted real estate affiliate. Take a minute to familiarize yourself with the businesses sponsoring your magazine. These local businesses are proud to partner with you and make this magazine possible. Please support these businesses and thank them for supporting the REALTOR® community!

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PUBLISHER’S NOTE

A New Year, A New Season

holding your child that shifts your focus from ambition alone to legacy, presence, and intentionality. And that perspective has shaped the way I’m approaching 2026. The beginning of a new year always comes with excitement, but real momentum happens when that excitement turns into disciplined action. It’s the small, ordinary choices like showing up consistently, leaning into relationships, investing in yourself and your craft. It is these things that shape your December long before you get there. Whether you’re an agent building momentum, a partner investing in deeper relationships, or someone chasing new highs in your personal life, the truth remains the same: the future rewards the intentional. So, as we step into 2026 with fresh goals, fresh opportunities, fresh energy…I hope you’ll join me in choosing consistency over hype, purpose over busyness, and connection over isolation. This community is built on relationships, and there is so much good ahead when we choose to grow together. Here’s to a year of clarity, action, and continued transformation… both personally and professionally. And here’s to savoring the moments that matter…because if this past year has taught me anything, it’s that those moments come and go faster than any of us expect.

Welcome to 2026! There’s something special about the quiet reset of January. The decorations come down, the last of the holiday treats disappear, and suddenly we find ourselves holding a brand-new calendar…365 fresh opportunities staring back at us. It’s a season where motivation runs high, where the page truly feels blank, and where we all begin to dream a little bit bigger about who we can become this year. But this January feels different for me. 12 • January 2026

Last year at this time, I wrote this note as an almost dad..excited, nervous, hopeful, and totally unaware of just how much life was about to change. Today, I’m writing it with Ember crawling around our living room, babbling to herself, and reminding me every day that time moves quickly and purposefully. Becoming a father this year didn’t just change my schedule or my sleep. It changed the way I see the world. The dreams I chase, the priorities I protect, the goals I set...they all carry new meaning now. There’s something about

Cheers to a meaningful and momentum-filled 2026!

Jordan Espeseth DFW Real Producers Founder / Co-Owner

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YOUR NORTH DALLAS REAL PRODUCERS BADGES Congrats on earning your Real Producers Top Agent Badge! It is January - and the real estate sales of 2025 are in the books! That means the new North Dallas Real Producers Top 500 and 1000 agents’ 2026 list is being released! The new list is based on 2025 sales according to the MLS, and as part of this exclusive community of the top 5% real estate agents in North Dallas, the top 500 agents will receive the magazine in the mail each month and the top 1000 will receive it digitally. All top 1000 agents will be able to attend our exclusive events for agents and RP preferred partners in the city. As part of the top agents in North Dallas, you will also have your own badge to use however you’d like to show that you’ve made it a part of the Real Producers community. How did you finish out 2025? Did you make the 2026 list? Check your inbox to find out! We can’t wait to celebrate your success in 2026!

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North Dallas Real Producers • 15

AGENT ON THE RISE

16 • January 2026

Ryan

Williams Turning Vision Into Value WRITTEN BY KATHERINE H. FONDREN PHOTOS BY SCOTT PEEK PHOTOGRAPHY

In North Dallas, where new beginnings are built one brick at a time, Ryan Williams has made a name for herself not just as a real estate agent but as a creator of homes with purpose. With a career spanning a decade, Ryan’s journey from mortgage lending to real estate investment reflects a story of growth and vision—a vision rooted in transforming spaces and lives. “I’ve always had an eye for what a home could become,” Ryan says. “My main focus as an agent is to be well known in the community for creating beautiful homes for buyers and also having a reputable reputation with real estate agents.” For her, the profession has never been about simply buying and selling—it’s about raising the standard of what a home can represent.

From Mortgage Roots to Real Estate Dreams Ryan’s path into real estate began long before she ever held a license. Born in Fort Worth, Texas, Ryan spent some time in Michigan before returning to the Lone Star State, where she attended Fossil Ridge High School in Keller and graduated from Trinity High School in Euless. Her early exposure to the housing industry came from her mother, who spent over 30 years in mortgage lending. “She brought me into the business right after high school,” she recalls. “I started processing loans at 18 years old and stayed in that world for 15 years.” While the mortgage industry gave her a solid foundation in finance and homeownership, Ryan felt a pull toward something more creative and

client-focused. “I knew having a strong background in the mortgage business would come in handy being a REALTOR®,” she explains. The turning point came in 2015 when a broker she worked with, Michael Reed, helped her make the leap. “Michael took me in as a new agent under his brokerage, and that’s where my journey really began.”

The Flip That Changed Everything For several years, Ryan built her experience as a real estate agent, guiding clients with the financial insight that set her apart. But by 2019, her ambitions began to shift again. “That’s when I started reading about investing in real estate,” she says. “I wanted to get into flipping homes.” By early 2020, Ryan had formed her own investment company and found her first project—a property in Lake Highlands. Then, the world shut down. “As a newbie, a three-month project now took nine months due to the shutdown,” she recalls. What could have been a setback became a defining moment. “I learned everything I needed to know with that project. After that, I took off running.” That first flip laid the groundwork for a new chapter—one where Ryan would combine her business acumen, eye for design, and deep understanding of value creation. Today, she’s remodeling million-dollar homes that spend little to no days on the market. What began as one project born of persistence has blossomed into a full-fledged mission to “turn vision into value.”

Creating Homes with Heart Ryan’s work stands out not only for its craftsmanship but for the heart behind it. “I want to be remembered for raising the standard of what a remodeled home can be,” she says. “Not just profitable, but beautiful,

North Dallas Real Producers • 17

lasting, and thoughtfully designed.” To her, real estate investment isn’t about numbers on a spreadsheet—it’s about creating something meaningful. “My lasting impact will be showing that real estate investment can create real value for families, not just investors.” That belief guides how she approaches every remodel. She sees each home as an opportunity to restore not only its structure but its soul. Her clients and fellow agents quickly recognize her passion for excellence— and her commitment to collaboration. “Having a reputable reputation with other REALTORS® is just as important as creating beautiful homes for buyers,” Ryan explains. “It’s about doing things the right way and earning the respect of those you work alongside.”

Freedom, Growth, and Gratitude When asked what drives her today, Ryan doesn’t hesitate: “Freedom and growth are my biggest motivation.” The freedom to create, to build her own brand, to pour her energy into projects that inspire her. And the growth—not only in business but personally— as she continues to refine her craft, mentor others, and challenge the limits of what’s possible.

Having a reputable reputation with other REALTORS® is just as important as creating beautiful homes for buyers. It’s about doing things the right way and earning the respect of those you work alongside.

Ryan’s definition of success has evolved over time. “When I first started in real estate, I didn’t put a lot of effort into it,” she admits. “Now, success for me is setting goals and achieving them.” Those goals have led to tangible recognition—Top Producer Awards in both 2024 and 2025 —but what means more to her is the legacy she’s building through the homes she creates and the people she helps.

Words of Wisdom For those just starting their own journey in real estate, Ryan offers advice born of experience. “Don’t give up! Keep grinding and be yourself,” she says with conviction. “There is always a light at the end of the tunnel. Stay the course.” It’s that same persistence that carried her from the challenges of her first flip to the thriving business she leads today as the head of RW Real Estate Group, under Monument Realty. Each property she touches tells a story—of transformation, of beauty, and of purpose. And as Ryan continues to grow her presence in North Dallas, one thing is certain: she’s not just selling homes. She’s setting a new standard for what real estate can be. Because for Ryan Williams, success isn’t just found in the sale—it’s found in the spaces she brings back to life, the trust she builds in her community, and the lasting mark she’s making on every home she helps create. “Turning vision into value.” It’s not just her motto— it’s her mission.

18 • January 2026

North Dallas Real Producers • 19

20 • January 2026

North Dallas Real Producers • 21

PROPERTY INSPECTION GROUP Stronger Together

22 • January 2026

WRITTEN BY KATHERINE H. FONDREN PHOTOS BY BETH GRAEME PHOTOGRAPHY

PREFERRED PARTNER SPOTLIGHT

When Steve Cook bought his first home at just 22 years old, he trusted a family member’s casual glance over the property as sufficient assurance. “My uncle gave it the ‘looks good to me’ stamp of approval,” Steve recalls with a chuckle. But that confidence quickly faded when summer came—and he realized the house didn’t even have a cooling system. “I don’t want anyone else to ever make that kind of mistake,” he says. That hard-earned lesson became the foundation for what would later become Property Inspection Group, a company built on education, transparency, and trust. Today, as general manager of Property Inspection Group (known affectionately as “the PIG”), Steve leads a high-performing team that blends expertise, education, and passion for the inspection industry. “Originally solo and small inspection teams, we realized that with our combined experience, we could better serve our clients and the broader real estate community,” he explains. “So, we joined together with Greg House and Dean Freeman to create the PIG.”

A Team Rooted in Experience and Integrity The Property Inspection Group is more than just a home inspection company— it’s a collaboration of professionals with over half a century of combined experience. Their team of TREC-licensed inspectors provides comprehensive residential and commercial inspection services, ranging from traditional home inspections and new construction phase inspections to advanced thermal imaging, sewer scopes, mold inspections, and wood-destroying insect evaluations. But the PIG’s impact doesn’t stop at inspection reports. The company also serves as a TREC-licensed education provider, offering professional training and continuing education for both inspectors and real estate agents. “We’re passionate about raising the bar for our industry through professionalism, accuracy, and integrity,” Greg says. “It’s not just about checking boxes—it’s about helping our agents and clients make confident, informed decisions.”

Quality of Service: The Non-Negotiable Ask Dean what makes the PIG different, and he doesn’t hesitate. “Quality of service is our non-negotiable,” he says firmly. Every report is detailed, every

recommendation backed by experience, and every client conversation approached with the goal of clarity and confidence. “We take pride in explaining what we find in clear, straightforward terms—not just handing over a report, but helping clients truly understand their home or building.” For the PIG team, that commitment is what keeps their reputation strong. “In an industry where 50% of the people have been in the business for less than five years, we bring an experienced, knowledgeable, and high-performing team to the game,” Greg explains. Their clients—whether first-time buyers, seasoned investors, or top-producing agents—know that when they call the PIG, they’re getting more than just an inspection. They’re gaining a partner.

“YOU CAN ALWAYS BANK ON THE PIG— BECAUSE A GOOD INSPECTION IS LIKE MONEY IN THE BANK.” The Power of Teamwork At the heart of the company’s success is its team—a group that values expertise, collaboration, and mentorship. “Together, as a team, we are stronger,” Teresa emphasizes. That team includes industry leaders like Greg House, who not only inspects but also serves on the TREC Inspector Committee and teaches CE classes for inspectors and real estate agents. Dean Freeman, another seasoned inspector, balances his professional life with family time and outdoor adventures. Teresa Cook—affectionately known as “The Boss”—keeps the office running

smoothly, managing schedules, operations, and supporting women in inspection through her involvement in a female inspectors’ group. And then there’s Steve himself, who spends much of his time mentoring new inspectors. “I enjoy coaching those just starting out, helping them build their own inspection businesses,” he shares. It’s this spirit of mentorship that keeps the company grounded in its purpose— to elevate not only their own work but the entire industry.

A Rising Tide One of Greg’s favorite quotes perfectly sums up this philosophy: “A rising tide lifts all boats.” It’s a motto that reflects how the PIG team approaches their work—not as competitors, but as contributors to a greater good. “We want to elevate the level of our industry,” Greg says. “When we raise standards, everyone benefits—our clients, our partners, and even other inspectors.” This approach extends beyond the inspection. Through their Agent Toolbox and ongoing agent support, the PIG team provides resources designed to make the home-buying process smoother and less stressful for agents and their clients alike. “Top-producing REALTORS® need partners they can trust to deliver exceptional service, every time,” Teresa says. “That’s exactly what we provide. We make their job easier.”

More Than a Business Behind every detailed inspection and classroom training is a team that values balance and purpose. “We seek to provide a work-life harmony for our team,” Steve shares. “We work hard, but we provide intentional time for everyone to live outside of work.” North Dallas Real Producers • 23

That culture of care—both for clients and colleagues—has become the backbone of Property Inspection Group’s identity. Their humor, too, keeps things light in an otherwise technical field. Steve laughs as he shares a favorite saying: “Safety first. Just kidding—coffee first. Safety is like third or fourth.” It’s a reminder that even in a serious industry, humanity and humor go hand in hand.

Defining Success For this team, success isn’t measured in numbers or reports—it’s defined

24 • January 2026

by impact. “We define success by the confidence and peace of mind we provide our clients,” Greg says. “It’s about how people feel after working with us.” After two decades in the profession, their vision remains clear: elevate the industry, support the team, and protect clients from costly mistakes. Whether it’s a first-time buyer or a top-producing

agent, everyone who partners with the PIG can bank on one thing: integrity. Because, as Steve puts it best, “You can always bank on the PIG—because a good inspection is like money in the bank.”

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North Dallas Real Producers • 27

PREFERRED PARTNER SPOTLIGHT

CHASE CRENSHAW & GARY BOURGEOIS OF BARRETT FINANCIAL GROUP People-first Mission WRITTEN BY KATHERINE H. FONDREN PHOTOS BY BETH GRAEME PHOTOGRAPHY

hen Chase Crenshaw and Gary Bourgeois speak about their work in the mortgage industry, it’s impossible not to notice a shared mantra beneath the details of rates, loans, and approvals: people first. For Chase, Branch Manager and Mortgage Broker at Barrett Financial Group, LLC, and Gary, Branch Manager and Mortgage Broker, the numbers are only a small part of a much larger story. “I see my clients as people with stories, not numbers,” Chase says. “Everyone has a story, and they all matter to me.” That philosophy shapes every phone call, pre-approval, and late-night question, giving his clients more than just loans— they gain a trusted guide through one of life’s most significant investments. His focus on understanding the “why” before diving into the “how” has helped him build lifelong relationships with first-time buyers, seasoned investors, real estate agents and their clients, and self-employed borrowers alike. “My true passion is developing lifelong relationships so my clients know my approach is genuine,” he says. Gary’s approach is remarkably similar, though shaped by a different life experience: 23 years in the U.S. Army. “Helping veterans use the benefits they’ve earned is the part of this job I’m most passionate about,” he says. “I treat every client like family. The mortgage process doesn’t have to be stressful or confusing—it can feel ‘too easy.’” His expertise with VA loans and understanding of military life—frequent relocations, transitioning to civilian careers, and 28 • January 2026

unique financial challenges—make him a trusted advocate for veterans and active-duty service members. Together, Chase and Gary blend heart and mastery. Chase brings creativity and solutions for nearly every type of borrower. He specializes in selfemployed clients, offering bridge loans, bank-statement loans, and DSCR products, even closing in LLC names. Gary complements that with discipline, precision, and a veteran-focused lens. “What sets me apart is a combination of experience, integrity, and a peoplefirst approach,” Gary explains. “I guide veterans through the mortgage process with clarity, respect, and expertise.” Their collaboration extends beyond clients to the team they’ve built. Chase and Gary lead a group of 12 seasoned loan officers across multiple states. Every member of the team is a producing professional, ensuring clients receive experience, dedication, and efficiency from day one. “We don’t hire trainees or entry-level originators,” Chase says. “Our focus is on quality over quantity, and that’s what sets us apart.” Gary adds, “Our team operates as one cohesive unit, combining regional expertise with a shared commitment to making the mortgage process seamless and client-focused.” Both men attribute their success to listening, learning, and showing up with intention. Chase recalls the uncertainty of 2020, when COVID upended his career plans. “What felt like a setback was really the start of something bigger,” he reflects. That leap of faith eventually led him to Barrett Financial Group, where he now pours his energy into mentoring his team and serving clients creatively. Gary’s success, meanwhile, is grounded in the

North Dallas Real Producers • 29

discipline and leadership honed over decades in the Army. “Success isn’t just about closed loans,” he says. “It’s about trust earned, obstacles overcome, and the impact we leave on people’s lives.” Their personal lives echo their professional philosophies. Chase and his wife, Brittany, are the proud parents of seven-year-old twin boys. Family time involves church, sports, kayaking, and simple joys like date nights and park outings. “Family is everything to me,” he says. Gary and his wife, Amy, married for 21 years, share a similar devotion. Their three adult children keep them active, and the family enjoys travel, fitness, and shared adventures. Both men credit their families with grounding them and keeping the focus on what truly matters. Looking ahead, their ambitions align with their values. Chase’s theme for 2026 is “pour into others,” with goals to grow his team and elevate client experiences. Gary’s focus is on expanding veteran advocacy, mentoring loan officers, and continuing

Chase Crenshaw

OUR TEAM OPERATES AS ONE COHESIVE UNIT, COMBINING REGIONAL EXPERTISE WITH A SHARED COMMITMENT TO MAKING THE MORTGAGE PROCESS SEAMLESS AND CLIENTFOCUSED.”

Gary Bourgeois 30 • January 2026

to deliver a mortgage process that feels effortless. “Every goal we set is driven by a commitment to be better than the year before and deliver lasting impact for the clients and communities we serve,” Gary explains. If homes could speak, Chase believes his clients would say, “He sees more than walls and roofs—he sees the life that happens inside us.” Gary hopes veterans would recognize his dedication: someone who understands their world, navigates the complexities of VA loans, and treats them like family. Together, they’ve created a team and a culture where expertise meets empathy, where every transaction is a story, and every client is a person, not a number. For Chase Crenshaw and Gary Bourgeois of Barrett Financial Group, success is not measured by the dollars closed but by the trust earned, the challenges overcome, and the lifelong relationships built along the way. Their work is a reminder that in mortgages, as in life, connection is everything.

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North Dallas Real Producers • 33

COVER STORY

Ann O’Blenes & Elizabeth Ritch Two for the Price of Trust WRITTEN BY KATHERINE H. FONDREN PHOTOS BY BRET REDMAN

In North Dallas, where real estate can move at the speed of light, two agents have built a reputation not just on production or polish, but on a deeper, rarer currency—TRUST. For more than two decades, Ann O’Blenes and Elizabeth Ritch, the duo behind Realty Performance Partners with RE/MAX Dallas Suburbs, have stood by one guiding principle: “We don’t measure success by transactions, but by the trust our clients place in us. Our goal is to be your real estate partners for life - not just for today.” Elizabeth Ritch grew up in Richardson, Texas, with her five brothers and sisters. She earned her business degree from the University of Texas at Dallas and began her career managing operations for a commercial real estate firm. Residential real estate wasn’t part of her plan—until a single listing changed everything. When her office received a house for sale in Plano, the property sold quickly, but a call soon followed from a mother desperate to find a place for her family. Disappointed to learn the house was already under contract, she shared her struggle to find something suitable. Moved by her story, Elizabeth offered to help—despite admitting it would be her first time showing a house. She found them the perfect house to call “home.” “Seeing their joy and feeling their appreciation was incredibly heartwarming,” says Elizabeth. “It made me realize how much I value the human side of this business—helping people find a place that feels right for their family,” said Elizabeth. That

34 • January 2026

North Dallas Real Producers • 35

experience inspired her to launch a career in residential real estate. Ann O’Blenes, the eldest of five children, grew up in North Dallas and attended Texas A&M University, where she earned two degrees—one in finance and one in economics. After graduating from Loyola Law School in New Orleans, she spent 12 years as a federal prosecutor, litigating cases in federal tax and bankruptcy court. “I transitioned from law to real estate because I realized my heart was drawn to something more personal,” Ann explains. “My passion for homes and my love for working with people naturally came together in real estate, where I get to guide clients through one of the most meaningful decisions in their lives.” Her background as an attorney brings a unique perspective to her real estate business. Ann said, “When I was practicing law, we would take a team approach on most of our cases, realizing that collaboration only made our presentation stronger and more specialized. Real estate is similar in that way; having a partner that collaborates on each transaction provides a unified strategy, better communication, and stronger negotiating positions due to quicker response times. This is the strength of a true partnership.”

When life demands they step away— whether for family, travel, or rest—there is no disruption, no confusion, no compromise in service. Just trust. Trust between two professionals who operate as one, and trust from clients who know they are always protected. “Our business model works because there is always one of us,” Ann says. “Clients never have to wonder who’s handling what—because the answer is simple: we both are.” Family anchors both of their lives, and with that come seasons requiring their full attention. Years ago, when Elizabeth traveled overseas to adopt her child, she left knowing Ann would care for

Realty Performance Partners is built on a quiet but powerful promise: two experts, one unwavering standard. For Ann and Elizabeth, this isn’t a catchy line—it’s the backbone of their business. Every client is supported by both partners, fully and seamlessly. They share the details, status, and concerns of each transaction so no matter who picks up the call, the experience is consistent, informed, and personal. Ann and Elizabeth’s partnership grew from a desire to do things differently. After years on a large team, they realized they had the same values, the same work ethic, and the same commitment to their clients. By choosing to join forces as a small team, they are able to run their business the way they believe it should be run—with integrity, consistency, and a shared dedication to doing what’s right. 36 • January 2026

Ann O’Blenes

her clients with the same diligence and heart—without a single lapse. And several years ago, when Ann rushed to Texas A&M after her son was seriously injured in a car accident, she was able to spend weeks at his bedside with total peace of mind while Elizabeth carried every client forward effortlessly.

Finding the Right Home, Not Just Any Home Ask Ann or Elizabeth what excites them most, and they’ll tell you it all comes down to one moment: when a client steps into the right house and suddenly sees it—not just as a property, but as their home. Over the years, they’ve

guided clients through every kind of transition imaginable: downsizing, upsizing, relocating, moving for convenience or for a fresh start. The reasons vary, but the joy of helping someone find the perfect fit never does. “Working with first-time homebuyers is something we both find incredibly rewarding,” Elizabeth shares. Ann agrees, “We know that buying a first home comes with a lot of ‘firsts’—questions, emotions, and decisions. We’re there to hold their hands through the entire process.” They take pride in educating new buyers, ensuring they look beyond

the cosmetic upgrades—pretty floors, new countertops—to the systems and structures that truly matter: HVAC units, foundations, plumbing, and long-term costs. They understand that for most people, a home is the biggest investment they will ever make—and they take that responsibility to heart. The team serves a diverse range of clients, each with unique needs and dreams. From condominiums and townhomes to single-family homes, gated neighborhoods, master-planned communities, and active 55+ living, their work spans the full landscape of North Texas real estate. In recent years,

many clients have begun exploring active adult 55+ communities. The transition to a smaller home can be emotional—sorting through decades of belongings, closing a chapter in a longtime neighborhood, and stepping into a new stage of life. Yet these communities offer so much to look forward to: new friendships, clubs and social events, sparkling pools, golf courses, and the ease of lowmaintenance living. “When working with our sellers and buyers, you really get to know them on a personal level,” Elizabeth added. “It’s a very feel-good business.”

Elizabeth Ritch

Repeat customers are our definition of success and by far our most important resource.” North Dallas Real Producers • 37

Redefining Success They have been doing this long enough to continually have business coming from many directions. However, as Ann said, “Repeat customers are our definition of success and by far our most important resource.” But their achievements speak for themselves, with their production in excess of $40 million annually. RealTrends Verified named them one of the top 90 small teams in Texas across all real estate brands, and top 200 small teams in the U.S. Locally, Ann and Elizabeth have been recognized as D Magazine Best Realtors and D Magazine Platinum Top Producers for 5 years running. During the last 3 out of 4 years, they were recognized with the coveted RE/MAX Diamond Team Award. In addition to their accolades, how they are perceived by their fellow agents is also important in a business where reputation is everything.

The Heart Behind the Hustle Outside of real estate, the two live full lives and share many of the same

38 • January 2026

interests. Ann loves spending time with her two grandbabies, playing pickleball and Mahjong, following all Texas Aggies sports—a love she shares with her Aggie husband—and traveling abroad. Most recently, she and her husband and another couple spent a couple of weeks in the South of France, Sardinia, and Barcelona, Spain. Ann is fortunate to have both her grown children residing in the Dallas area. Her daughter, Katie (a licensed real estate agent), joined the team several years ago as their fulltime team administrator, overseeing transaction coordination, marketing, social media platforms, and other administrative essentials. Elizabeth starts most mornings with a workout, plays pickleball with her husband, enjoys Bible Study, and is learning Mahjong. Her family members are loyal Arkansas Razorback fans, with both her children attending the university. They enjoy going to football games and tailgates. Now being empty nesters, she and

her husband have begun traveling more and recently visited Prague to explore his family roots. Elizabeth is looking forward to her son’s graduation (December 2025) and his moving back to Dallas to start his career.

What They Want to Be Remembered For When asked what they hope to be remembered for, Ann and Elizabeth answer without hesitation: exceptional service and unwavering commitment to their clients. They want their legacy to reflect more than successful transactions—they want to be known for going above and beyond, doing the things other agents often overlook, and consistently putting their clients’ needs first. Their goal is simple: to make every client feel supported, informed, and genuinely cared for throughout the entire process. In an industry where speed often overshadows service, they strive to stand out for the opposite—thoughtful guidance, steady communication, and a level of dedication that lasts long after the closing table.

North Dallas Real Producers • 39

Flicking the Light Switch: When the Fed lowers its benchmark rate, it sends a signal: borrowing gets cheaper, hope is rekindled — and the door opens a bit wider for home-buyers. But in the current U.S. housing market, full recovery will require more than a single interest-rate cut.

Stimulating new construction and increasing lists.

The Chain Reaction: How a Fed Cut Can Affect Home Sales

A rate cut can act like a flick of the switch. But it’s not guaranteed to light up the whole house.

A rate cut matters for housing via a few key mechanisms:

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Lower borrowing cost for new buyers. When the Fed cuts, it can help reduce short-term rates and, more indirectly, longer-term mortgage rates. Lower mortgage rates reduce monthly payments, improving affordability. According to one recent analysis, a drop in mortgage rates boosts home-sales activity could potentially allow over 5 million more households to afford the purchase of a home if rates drop, which could translate into a 3 percent increase in sales in 2025 and a 14 percent jump in 2026.

Releasing the “lock-in” effect. Many homeowners who secured ultra-low rates in recent years are reluctant to sell and re-buy at a higher rate. A meaningful rate cut can reduce the gap between their current rate and what they’d face if they moved, encouraging more listings and increasing supply. That supply uptick can help churn the market.

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Lower rates make financing and housing projects more economical, potentially motivating builders and developers, thereby easing the supply bottleneck over time.

What likely won’t change (or at least not immediately): In many regions, homeprices may not decline even with a rate cut; lower rates often fuel more demand, which can raise prices rather than drop them. Affordability remains a profound challenge. Even with lower rates, home-prices are still elevated, households’ incomes may not have kept pace, and many buyers remain priced out. The supply side is still hindered. New homes aren’t being built fast enough, many owners remain locked-in, and inventory remains tight, meaning the “rate cut surge” story is tempered by structural constraints.

A Balanced Outlook: The Next 12-24 Months If the Fed initiates a meaningful easing cycle and mortgage rates drop into the 5–6 % range, expect the following:

METROTEX: IN THE KNOW

A modest rebound in existing home-sales activity, perhaps on the order of single-digit percentage gains. For example, one forecast sees existing home sales climbing to 4.6 million by end of 2025 from current weak levels. A sharper boost in markets where affordability improves the most (often middle-income areas, secondary metros) rather than in the most overheated coastal/urban markets. Continued upward pressure on prices unless supply loosens meaningfully, meaning affordability may improve via rates but worsen via price competition unless new construction accelerates.

A lag effect: even if rates drop now, it may take six to eighteen months for the full home-sales rebound to materialize (as buyers commit, sellers list, inventory turns).

action, but they must still evaluate local market conditions (supply, price trends, job outlook). Sellers should note that increased competition may follow, being “ready” with pricing and condition matters.

Policy & Market Lessons Monetary policy (rate cuts) is necessary but not sufficient for housing market recovery. Lower rates help, but they don’t override supply shortfalls, income stagnation, or buyer-lock-in dynamics. Policymakers must address the supply side: increasing housing starts, enabling conversion of idle assets, and reducing friction in moving for owners. Buyers should be cautious: a rate cut may encourage

The Bottom Line The Fed’s rate cut could act as a trigger for the housing market to move again after a long stagnation. It offers promise: lower payments, new buyer entrants, perhaps more listings. But it is far from a silver bullet. For many households, affordability will still wait on better wages, manageable prices and broader supply. And for the market as a whole, the fault line isn’t only high rates, it’s a mismatch

between the homes people want, the homes available, and the income they bring to the table. Yes, the door is opening. But to walk through it requires more than just loose money, it requires that the house have the right doors in the right places. Founded in 1917, the MetroTex Association of REALTORS® is the largest REALTOR® association in North Texas and one of the largest in the United States, representing nearly 40,000 real estate professionals across the region. MetroTex is an advocate for the real estate industry and private property rights. For more information, visit us online at MetroTex.com.

North Dallas Real Producers • 41

POWER TEAM

42 • January 2026

Missy Fournet Zachary Hobgood ROOTED IN CARE WRITTEN BY KATHERINE H. FONDREN PHOTOS BY VANESSA CORRAL PHOTOGRAPHY

hen you meet Missy Fournet and her son, Zachary Hobgood, it’s easy to see that their partnership goes far beyond business. The mother-and-son duo behind The Missy Fournet Team at Keller Williams Allen have built their careers—and their reputation—on one simple principle: put the client first, always. “We are caring, and we always do the best job with our client’s interests first,” Missy said, her words reflecting a philosophy that has guided her through more than a decade in real estate. For her, integrity isn’t just a trait—it’s the foundation of every transaction, every relationship, and every success story she’s built along the way. Missy’s story begins in the small town of Nebo, Kentucky, where she grew up surrounded by community and hard work. “I was the leader of the cheerleading squad,” she recalled with a laugh. “After school, I decided to go to hairdresser school.” That decision led her to Nashville, where she ran a thriving salon—one where country legend Patsy Cline herself was known to stop by. “She was such a sweet lady,” Missy remembered fondly. After relocating to North Texas, Missy’s career took a new direction when she began working at the Little Red School House in the Lovejoy district. “I was there for over ten years,” she said. “I got to know so many parents and families—helping them, supporting their kids, and forming friendships that lasted.” But as her two sons grew older, Missy realized she needed to make a change to secure their futures. “I wanted to put my boys through college without debt,” she explained. “That’s what led me to real estate.” It was a leap of faith that paid off. Today, Missy is a respected land specialist, known across her Keller Williams office for her expertise and results. She’s sold over 400 acres throughout her career—including a remarkable 220-acre deal in Sherman for a Canadian developer—and currently represents more than 120 acres of active listings. “I’ve helped families upgrade, downsize, or simply adjust to the next chapter in their lives,” she said. “Sometimes that means helping someone after a loss, or through a divorce, or even guiding both parties through the sale with as little drama as possible. I take pride in helping people move forward with grace.” Missy’s definition of success has evolved over the years. “To me, success means living a life of integrity,” she said. “I’ve worked hard to raise my sons to be caring, respectful men, and I couldn’t be prouder of who they’ve become.” That pride is evident when she speaks about Zachary—her partner in family and business. North Dallas Real Producers • 43

“SUCCESS TO ME MEANS ACHIEVING MY PROFESSIONAL GOALS WHILE MAINTAINING A FULFILLING PERSONAL LIFE.” Zachary, who joined his mother in real estate in 2018 after working in municipal water supply sales, credits much of his professional growth to the example Missy set. “Baseball also had a huge impact on my life growing up,” he said. “It taught me how to handle pressure, stay motivated, and bounce back from setbacks. Those lessons prepared me for real estate.” Like his mother, Zachary focuses on building genuine relationships. “I take the time to truly understand each client’s goals and needs,” he explained. “My clients know they can rely on me to make the process smooth and stress-free from start to finish.” His approach has made him a trusted buyer specialist within the team, known for his responsiveness and calm under pressure. When asked what excites him most about real estate, Zachary’s answer comes easily: “I love getting to meet new people. Every day is a new challenge.” But his deeper motivation is about balance. “Success to me means achieving my professional goals while maintaining a fulfilling personal life,” he said. “If you can reach financial independence and still keep your relationships strong, that’s something to be proud of.” That sentiment echoes his mother’s own beliefs. Family has always been at the heart of Missy’s story. With both her sons now grown and starting families of their own, she beams with joy. “Zack is marrying his beautiful fiancée, Laura, and my other son, Cameron, is getting married next year in New York,” she shared. “I’m so happy they’ve both found wonderful girls to spend their lives with.” Together, Missy and Zachary bring complementary strengths to their work—Missy’s depth of experience and steady wisdom, paired with Zachary’s energy and adaptability. Their clients benefit from both perspectives, creating a dynamic that feels more like family than business. “We treat our clients as close friends,” Missy said. “When people call, I answer. We take our fiduciary responsibility seriously and help them make the best decisions for their future.” Their clients notice that difference. Whether it’s Missy’s knack for navigating emotional transactions with grace or Zachary’s relentless focus on the details, their teamwork creates a seamless experience rooted in empathy and trust. “Don’t let rejection discourage you,” Zachary advised. “Real estate has its challenges, but persistence and adaptability are key.” Missy added, “Find positive role models in the industry, plan ahead financially, and embrace the work with joy.” For both of them, the heart of the job isn’t the numbers—it’s the people. “I want to be remembered as someone who genuinely cared about others,” Zachary said. Missy agreed. “Being caring, loving, and having integrity in all my dealings—that’s what matters most.” In an industry that often prizes speed and volume, the Missy Fournet Team stands apart for their commitment to doing what’s right. Their story is one of family and dedication to their clients —a reminder that real success comes not from what you sell, but from how you serve. And for Missy and Zachary, that service always begins with heart. 44 • January 2026

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INSPIRATIONAL AGENT

Cathie Cathie Crouch Crouch Defying the Odds WRITTEN BY KATHERINE H. FONDREN PHOTOS BY VANESSA CORRAL PHOTOGRAPHY

When life delivers its hardest blows, some people crumble. Others—like North Dallas real estate agent Cathie Crouch —rise, steady themselves, and keep walking forward, hand-inhand with gratitude. “We never asked what the odds were,” Cathie says, recalling the moment in April 2024 when her husband, Charles, was diagnosed with squamous cell carcinoma in his sinus cavity. “We just made every appointment, did what the doctors said, and stayed positive as we lived our lives.” The months that followed were grueling. Surgery. Radiation. Chemotherapy. A feeding tube that would remain for 18 months. Yet through it all, Cathie refused to surrender to despair. “You feel powerless when someone you love gets that ‘Twilight Zone’ diagnosis,” she shares. “But I could choose to go do my job at a high level, make a difference in other people’s lives, and excel at meaningful work where I knew I was competent—to keep that darkness at bay.”

A Foundation of Strength Cathie’s resilience didn’t appear overnight. It’s the product of a lifetime of hard work, family roots, and a belief that no challenge is too big to overcome. Born in Texarkana and raised in Bonham, she grew up around the hum of business talk—her father was a Chevrolet-Buick dealer—and learned early on that perseverance mattered. Her journey wound through many chapters: English teacher, automotive salesperson, finance director, and later, international meeting planner for pharmaceutical companies. “We were the ‘Neiman Marcus’ of meeting planners,” Cathie laughs. “Our answer to any request was always, ‘No problem!’” 48 • January 2026

the clients’ puzzle pieces—what they want, need, and value—and then finding the right solution,” she says. “Almost every answer in real estate begins with, ‘It depends!’” That thoughtful curiosity has fueled an impressive career: over $51 million in sales since becoming a full-time agent in 2018, and recognition as a Best of D REALTOR®, a Real Producers honoree, and a Spirit Award winner among 600 peers. “A real estate career will let you know when you’re doing it well,” she says with a smile. Cathie’s favorite moments aren’t the awards but the human stories behind each sale—like helping a widow close on selling her home after two years of legal battles, sitting in a hotel lobby late at night with her, her dogs, a notary public – and a moving van in the parking lot, packed for the seller’s new life in the northeast United States. “The drama quotient was so high,” Cathie says, laughing at the memory. “But we did it.”

Lessons from a Fighter

That same “no problem” spirit followed her into real estate. Encouraged by Charles—who saw her natural ability to connect with people— she earned her license again in 2013. “I loved it immediately,” she says. “I’d found my dream job.”

The Power of Relationships Real estate wasn’t just a career; it became a lifeline. When Charles fell ill, Cathie’s Keller Williams Dallas Preston Road family and lifelong friends surrounded her with support. “My Keller Williams tribe showed properties for me when I couldn’t,” she recalls. “When I said in August 2024 that I was having my worst year ever, they told me I still had time, that I could do it—and I believed them so much that I had my best year ever.” The strength of her community didn’t stop there. Charles’s domino

buddies—men Cathie had known for over 40 years—moved their weekly game to the Crouch home so he could keep playing. Their wives, the same women who had once carpooled with Cathie and helped her through single motherhood, showed up again with laughter, lunches, and love. “They told me I was doing a great job,” Cathie says softly. “They made me feel seen.” To Cathie, this web of relationships is the true measure of success. “As a college graduate, I thought success was earning enough to support myself. Now, success is a loving family, devoted friends, and fulfilling work.”

Finding Light in the Work Even amid the storm, real estate remained a source of joy and purpose. Cathie approaches every transaction as a puzzle to solve. “I love learning about

It’s no surprise that Cathie describes herself as “the little guy who takes on the impossible and wins.” She’s lived that truth before—once leading a five-year grassroots battle against a proposed landfill in Denton County. “My children saw their mother fight for something she believed in,” she says proudly. “They learned that if you are convicted in your beliefs and want something bad enough, you can work hard enough to make it happen. And nothing less will do.” That mindset carried her through every trial—raising three children as a single mother, starting a new career later in life, and standing beside her husband through cancer. Her mother’s example also looms large; a nine-year survivor of pancreatic cancer, she taught Cathie never to back down. “When doctors asked how aggressive they should be, she said, ‘How aggressive CAN you be? Let’s do that.’ Charles and I adopted that attitude.” North Dallas Real Producers • 49

“I WANT TO BE REMEMBERED FOR THE LESSONS I TAUGHT MY CHILDREN—THROUGH THE LANDFILL FIGHT, THROUGH DIVORCE, THROUGH CHARLES’S CANCER BATTLE— THAT NOTHING IS TOO HARD, IT’S NEVER TOO LATE, AND IF YOU DON’T KNOW HOW, YOU LEARN HOW. YOU FIGHT FOR WHAT YOU BELIEVE IN.”

Grace in the Journey As Charles recovers—his feeding tube finally scheduled for removal before the end of the year—the Crouches are embracing life again: dinners with friends, arboretum visits, plans to travel. “He’s my ESA—my emotional support animal,” Cathie jokes. “If I were a thoroughbred, he’d be the goat in my stall.” When she reflects on what she hopes to be remembered for, Cathie doesn’t mention sales numbers. “I want to be remembered for the lessons I taught my children—through the landfill fight, through divorce, through Charles’s cancer battle—that nothing is too hard, it’s never too late, and if you don’t know how, you learn how. You fight for what you believe in.” She pauses, then adds, “And for the quality of my relationships. It’s extraordinary to be the go-to person—the one people rely on, the one people trust.” In the end, that trust—and the resilience that built it—defines everything about Cathie’s life. From classrooms to car dealerships, from chemo wards to closing tables, she’s faced every challenge with courage and grace. As she often tells new agents: “Focus on the relationships, not the transactions. Find your tribe, and remember— real estate is not for sissies.” And neither is life.

50 • January 2026

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