Back‑to‑School 2025: Smart Savings Amid Rising Prices & How Our Teacher Cart Giveaway Helps

PH Realty Team is proud to announce that Matthew Tittle , a key member of our commercial real estate division, is now officially licensed to practice real estate in the state of Arkansas. This milestone marks an exciting expansion of PH Realty Team 's footprint across the region, empowering us to serve more clients with the same excellence and expertise we’re known for in Texas. Matthew has been licensed in Texas since August 2024, where he has demonstrated exceptional dedication to serving commercial real estate clients across a range of industries. From retail spaces to office developments, Matthew brings a deep understanding of market trends, investment potential, and strategic positioning. Now licensed in both Texas and Arkansas, Matthew is poised to help investors, business owners, and developers identify prime commercial opportunities across state lines. His dual-state licensure enhances PH Realty Team’s ability to deliver seamless, cross-border services and stronger regional insight. "We’re thrilled to see Matthew grow with the team and expand our commercial presence into Arkansas," said Lauren Callaway , Team Leaders of PH Realty Team . "His drive, market knowledge, and client-first approach make him a tremendous asset to our clients and our brand." To connect with Matthew Tittle directly: Email: matthew@phrealtyteam.org Phone: (903) 582-5675 Website: www.phrealty.org/matthew-tittle

PH Companies is proud to announce that Lauren Callaway-Francis will serve as a featured panelist at this year’s highly anticipated Women in Business event, presented by the Texarkana Chamber of Commerce . Scheduled for Tuesday, May 7, 2025, this dynamic gathering promises a morning filled with inspiration, empowerment, and celebration of the bold women shaping the future of business in our region. The event will take place at Silvermoon on Broad , with doors opening at 9:00 AM for breakfast and mimosas, followed by a 10:00 AM event kickoff. Lauren will take the stage during the Morning Panel session, joining a distinguished group of local leaders to share her journey, insights, and strategies for success in today’s evolving business landscape. Lauren Callaway-Francis, a recognized leader and innovator, embodies the spirit of this event’s mission: to redefine what it means to be a woman in business. Her commitment to excellence and her inspiring story will offer attendees valuable perspectives on leadership, resilience, and community impact. In addition to the panels, attendees will enjoy an Exploratory Lunch, the debut of the Chamber's inaugural Woman of the Year Award, and scholarship presentations benefiting Haven Homes and Grace House — two organizations dedicated to supporting women on their path to rebuilding their lives. Event Details: Date: Tuesday, May 7, 2025 Doors Open: 9:00 AM (Breakfast & Mimosas Served) Event Begins: 10:00 AM Location: Silvermoon on Board Tickets: $50 per person Purchase Tickets Here About Women in Business: More than just an event, Women in Business is a movement—a call to connect, collaborate, and celebrate the incredible achievements of women leading across industries. With dynamic speakers, authentic networking opportunities, and a focus on community giving, this event is designed to inspire attendees to reach new heights personally and professionally. Sponsorship Opportunities Still Available! From Queen Bee to Caffeine Queen sponsorships, partners have a chance to support and spotlight local women making a difference. For more information, visit the Texarkana Chamber website.

We’re thrilled to announce a well-deserved promotion within the PH Companies family — Ashlyn Smith has officially stepped into the role of Transaction Coordinator! Ashlyn joined PH Companies as Office Manager in August 2023, and since day one, she has brought unmatched organization, dedication, and a true team-first spirit to everything she does. Whether managing operations or stepping in to support agents and clients, Ashlyn has been the steady hand behind many of our smoothest transactions. As PH Companies evolves — especially with our recent transition from an independent brokerage to a powered-by-EXP real estate team — the demand for a full-time, dedicated Transaction Coordinator has never been greater. With more agents, more listings, and more moving parts, we need someone who knows our systems, understands our culture, and can hit the ground running. There is simply no one better for this role than Ashlyn. Her deep understanding of our processes, her proactive communication style, and her attention to detail make her the ideal person to support our growing agent roster and ensure every transaction is handled with care and efficiency. We’re confident that with Ashlyn in this key role, our clients and agents alike will benefit from an even more seamless, high-touch experience. Please join us in congratulating Ashlyn Smith on her promotion. We’re excited for what’s ahead — and incredibly grateful to have her leading the way! 

We are thrilled to share some wonderful news from the PH Companies family—our amazing Office Manager, Ashlyn Rybiski, is now Mrs. Ashlyn Smith ! On March 15, 2025, Ashlyn tied the knot with her partner, Sebron Smith, in a beautiful celebration of love, joy, and new beginnings. Surrounded by family and friends, the couple said “I do” in a ceremony that was as thoughtful and genuine as the bride herself. Ashlyn has been the heart of our operations at PH Companies—keeping us organized, connected, and on track with her signature warmth and professionalism. Now, we’re overjoyed to see her start this exciting new chapter of life with Sebron by her side. Please join us in congratulating Mr. and Mrs. Smith! May your journey together be filled with laughter, adventure, and endless love. From all of us at PH Companies—cheers to a lifetime of happiness, Ashlyn and Sebron!

The 2024 Texas Real Estate Year in Review report released by Texas REALTORS® last month reveals that while the Texas housing market remained steady statewide, Texarkana emerged as a standout with stronger price appreciation and increased housing inventory, signaling a healthy shift toward market balance. Statewide, Texas saw small but stable growth with home sales increasing by 0.7% and median prices rising by 1.2%, bringing the statewide median home price to $339,000. The number of active listings and days on market rose significantly, providing more choices for buyers across many regions. In contrast, Texarkana experienced a 5.7% decrease in home sales, reflecting a measured cooldown in buyer activity following years of rapid market acceleration. However, the local market also saw a 7% increase in median home price, bringing the median in Texarkana to $200,000—well above the statewide appreciation rate. The price per square foot in Texarkana rose by 3.5%, compared to a 0.7% increase across Texas. Texarkana also saw a notable 32.2% increase in active listings, slightly higher than the 30.5% increase seen statewide. The average days on market locally extended from 58 to 72, while months of inventory—a key measure of supply—rose from 2.9 to 5.1 months, indicating a shift toward a more balanced housing environment. “We’re seeing a healthier, more sustainable market emerge here in Texarkana,” said Lauren Callaway , Team Leader of PH Realty Team . “The increase in inventory gives buyers more options and flexibility, while sellers are still benefiting from solid price growth. It’s a great moment for both sides of the market, as long as you’re working with professionals who know how to strategize in this evolving landscape.” This market transition offers new opportunities for both buyers and sellers. Buyers benefit from reduced competition and increased selection, while sellers can still capitalize on rising home values—particularly with strategic pricing and expert representation. 

PH Realty Team proudly announces that Summer Gerrald has expanded her reach, now officially licensed in Texas and Louisiana, adding to her existing Arkansas license. With this milestone, Summer continues to build momentum as one of the region’s most driven new agents. Since launching her real estate career in December 2024, Summer has wasted no time making her mark. With three closings projected this month, her results speak to her unmatched work ethic and commitment to delivering for her clients. Summer is also currently working toward obtaining her Oklahoma license, which will make her the first agent in the Texarkana area licensed in all four surrounding states — Arkansas, Texas, Louisiana, and Oklahoma. “Summer’s growth is no accident — she’s driven, focused, and doesn’t settle for average,” said Lauren Callaway, Team Leader of PH Realty Team. “She’s on the fast track to becoming a top-producing, multi-state agent.” With big goals and even bigger results, Summer Gerrald is proving there’s no such thing as limits when it comes to her real estate journey. Contact: Summer Gerrald PH Realty Team, Brokered by eXp Realty (903) 418-4246 summer@phrealtyteam.org https://www.phrealty.org/summer-gerrald

PH Companies Quarterly Newsletter Your one stop shop for: BUYING | SELLING | DESIGNING | LEASEING | INVESTING Dear Clients, Partners, and Friends, As we step into a new quarter, I want to take a moment to reflect on the incredible momentum we've built together across PH Realty Team, PH Design Firm, PH Property Management, and Principle Home Buyer. We’re thrilled to announce that construction on our new PH Companies headquarters is well underway—and on track for completion by May! This new space will serve as the central hub for all our teams and reflect the growth and momentum we've experienced across every division. It’s more than just a building—it’s a symbol of how far we’ve come and the vision we’re building toward, together. Even more exciting? We’re now official members of the Texarkana Chamber of Commerce! To celebrate both milestones, we’ll be hosting an official ribbon-cutting ceremony in partnership with the Chamber. Be on the lookout for your exclusive invite—we can’t wait to welcome you to our new home and celebrate this next chapter with you. This quarter’s newsletter highlights the progress, people, and partnerships that continue to move us forward. From exciting new hires and community events to strategic growth across every branch, there’s so much to be proud of—and even more to look forward to. Thank you for being a vital part of our journey. Let’s keep pushing boundaries, setting new standards, and building something truly exceptional—together. Lauren Callaway CEO, PH Companies

PH Design Firm is excited to share the incredible success we experienced as a vendor at the 2025 Texarkana Home & Garden Show, held on March 22 at the iconic Crossties Event Venue in downtown Texarkana. This annual event—presented by the Texarkana Home Builders Association (THBA)—was free to the public and brought together the best in home design, construction, landscaping, and remodeling. As a participating vendor, we had the opportunity to connect one-on-one with homeowners, local builders, and industry experts. The energy at the show was electric, and the genuine interest in innovative, tailored design solutions was truly inspiring. We loved discussing new ideas, sharing our creative process, and helping attendees envision the possibilities for their spaces. The overwhelming support and enthusiasm from the community affirmed why we love doing what we do We’re grateful to the THBA for organizing such a successful and well-orchestrated event, and to everyone who stopped by our booth to chat, dream, and share their ideas. We’re excited for the future and can’t wait to contribute even more to Texarkana’s vibrant and growing home design community. 

As a homeowner, you deserve every opportunity to maximize your investment—and that includes taking advantage of available property tax savings. If you live in Arkansas or Texas , the Homestead Exemption is one of the simplest and most effective ways to reduce your annual property tax bill. Here’s what you need to know, how it works in your state, and how to make sure you don’t miss the deadline. What Is the Homestead Exemption? The Homestead Exemption is a property tax benefit that reduces the taxable value of your primary residence. By lowering the assessed value used to calculate your property taxes, it helps you keep more money in your pocket—year after year. Each state sets its own rules, exemption amounts, and eligibility requirements. In both Arkansas and Texas, the exemption can lead to significant annual savings, especially if you're a senior, veteran, or have a disability.  State-by-State Breakdown