Your Roadmap to Smarter Home & Land Decisions
Join exclusive classes hosted by industry-leading custom home builders. Gain
the knowledge and skills to build with confidence and excellence.
Upcoming Class Calendar
Reserve your spot in our next class!
FREE IN-PERSON CLASS
Cabinetry Class with SANCO Cabinetry
March 14, 2026 (10AM-12PM)
Learn the secrets to saving BIG on quality cabinets! Discover custom vs. semi-custom options and smart upgrades that elevate your space.
Learn how smart design decisions impact both beauty and long-term durability.
FREE IN-PERSON CLASS
Williams-Hirsh Custom Builders Class
March 28, 2026 (10AM-12PM)
Join Williams-Hirsch Custom Builders in New Braunfels for an exclusive, behind-the-scenes look at their custom homebuilding process. Meet the team, and learn how they build luxury homes.
FREE IN-PERSON CLASS
URBANIA Water CLass with TYE The Water Guy
April 11, 2026 (10AM-12PM)
Join Urbania on April 11th for a hands-on educational class with Ty “The Water Guy” focused on helping you choose the right water filtration system for your home.
This class is designed for homeowners who want:
-Cleaner, healthier water
- Long-term cost savings
-Environmentally responsible solutions
-Clear guidance before investing in a system
FREE IN-PERSON CLASS
Century Oaks- Finance Construction Class
April 18th (10AM-12PM)
Go beyond design and learn how to confidently fund and manage your custom home build. In this hands-on Century Oaks class, we break down construction financing from start to finish — including loan structure, interest payments, and how to avoid costly surprises.
You’ll gain a clear understanding of how construction loans differ from traditional mortgages, what lenders look for, and how to budget strategically during each phase of the build. We’ll also walk through real project timelines, cost planning, and smart decision-making strategies that protect your investment.
FREE ONLINE WEBINAR
Built Green Custom Homes
On-Demand Access (anytime)
The Built Green Owner Builder program empowers you to design an energy-efficient, high-quality home while controlling costs. You’ll learn how to save money during the build and long term, with a clear breakdown of each stage and support available throughout the process.
More classes announced monthly. Sign up for our newsletter to stay updated!
Our Preferred Builders
Meet Scott Thomas & Kyle Ritter
With a shared commitment to serving clients across the Texas Hill Country, Scott Thomas and Kyle Ritter bring unmatched expertise and personalized service to every real estate and mortgage experience.
Scott Thomas, founder and owner of Harbor Financial Mortgage, offers over 25 years of mortgage lending experience with more than $800 million in closed loans. A former Army Intelligence Cryptologist from northeast Ohio, Scott is dedicated to helping clients secure the best possible mortgage rates and terms. Outside of work, he enjoys exploring history and hunting for arrowheads, and is a proud father of two.
Kyle Ritter is a Fredericksburg native and graduate of Texas State University who specializes in residential, land, and ranch properties throughout the Hill Country. As a licensed Realtor with Anders Pierce Reality, Kyle is known for his honest, hands-on approach and deep local knowledge. He’s passionate about helping clients buy, sell, and invest with confidence.
Together, Scott and Kyle are here to guide you through every step—whether you’re financing your first home, building a custom property, or investing in your next piece of Texas land.
What Our Clients Are Saying
Hear from homeowners who have worked with Kyle and Scott.
"Scott, Kyle and their team made the building process so transparent. We always knew what was happening and why. The communication was incredible, and we felt completely at ease from start to finish."
The Johnson Family
Homeowners
"Working with Kyle Ritter was a great experience! He was helpful, honest, knowledgeable , and easy to work with. Kyle was always available to answer questions, provide guidance, and keep us informed and involved in the entire process. From start to finish, he was a true professional. His dedication and attention to detail made our home buying experience a joy! We never felt pressured or rushed and for that we are grateful! "
Daniel & Sonia L.
Homeowners
"At the end of this entire 18 months experience.. my move to work with Scott was my best decision. Professional advocacy and I will forever sing his praises"
Allan & Lisa J.
Homeowners
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