JD Walters Real Estate
Your first house, or your next one, without the parts that make it miserable
Dedrae Williamson helps first-time buyers and growing families across Bell County — Belton, Temple, Salado, Killeen, Harker Heights, Nolanville and the small towns in between. If you have never done this before, that is the normal place to start.
Meet your agent
Hi, I am Dedrae Williamson
I am a Texas-licensed real estate agent with JD Walters Real Estate, working across Bell County. I live in Salado, so the roads, the school district lines and the difference between one side of Belton and the other are not things I look up — they are where I actually live.
Most of the people I work with are buying their first home or outgrowing the one they have. That means a lot of questions nobody wants to feel silly asking: what a survey is for, why the option period matters, whether you really need twenty percent down. You do not, and I will show you the programs that prove it.
If you have never bought before
The money part is usually smaller than you think
Texas has real down payment assistance, and Bell County qualifies for more of it than most people realise. None of this is a catch. It is state and federal money that exists specifically to get first-time buyers into houses.
Down payment assistance
Texas runs two statewide programs that put two to five percent of the loan amount toward your down payment. Through TSAHC that assistance can be a true grant — no second lien, nothing to pay back.
Zero down in half the county
USDA loans need no down payment at all, and Salado, Troy, Holland, Nolanville, Morgan’s Point Resort and parts of Belton sit inside the eligible area. Killeen, Temple and Harker Heights do not.
A tax credit every year
A Mortgage Credit Certificate returns fifteen percent of your mortgage interest as a federal tax credit, every year you keep the loan. The issuance fee is waived for military buyers.
Where I work
Bell County, town by town
These places are genuinely different from one another — in what gets built, what it costs to run a household there, and which school district you land in. That last one surprises people constantly.
Belton
The county seat, built around an 1885 limestone courthouse, with Nolan Creek through the middle of town and both lakes about five miles out in either direction.
Temple
The regional medical centre and the deepest new-construction market in the county — and a city where four different school districts serve one mailing address.
Salado
The village the railroad missed, and was preserved by. A spring-fed creek, a walkable Main Street, and a market that runs on acreage and custom builds rather than subdivisions.
Killeen
The entry-price market and the closest city to the Fort Hood gates, with the widest range of housing in the county and a great deal of VA financing.
Harker Heights
Rolling ground between the highway and Stillhouse Hollow Lake, the county’s retail and hospital hub, and the highest rate of owner-occupied housing of the Fort Hood cities.
Nolanville
Eight miles east to I-35, thirteen miles west to the Fort Hood entrance, new subdivisions with parkland built into them, and the highest ownership rate around.
Also: Troy, Holland and Morgan’s Point Resort.
Search homes for sale across Bell County
Live MLS listings, updated through the day. Save a search, set an alert, and I will not call you about it unless you ask me to.
Listings open on the JD Walters Real Estate search site. Enquiries made there are handled by the brokerage.
What you can expect
How I work
No question is too basic
First-time buyers get asked to sign things most people have never seen before. I would rather spend twenty minutes explaining an option period than have you sign something you do not understand.
Honest about the house
If the foundation looks wrong, the roof is at the end of its life, or the lot backs onto something you have not noticed yet, I will say so before you are emotionally committed.
A real brokerage behind it
JD Walters Real Estate is a full-service Texas brokerage that also builds custom homes, so when a question gets technical there is somebody to ask.
Get in touch
Start the conversation
Buying, selling, or just trying to work out whether the timing makes sense. There is no cost to ask and no obligation attached to the answer.
Send a message
Tell Dedrae what you are working on and she will get back to you.