Higher mortgage rates have slowed the market, but they've also opened the door for buyers to negotiate seller concessions, rate buydowns, repairs, and closing costs. And down-payment assistance may make buying more attainable than you think. Let's talk about the rates As of October 2, Mortgage News Daily's top-tier 30-year fixed rate hit 7.57%, a level we haven't seen since November 2023. That...
Buying
Why a Low Down Payment is Less Risky When it comes to buying a home, one of the first questions that pops up is how much you should put down for a down payment. For many, the idea of saving up for a large down payment—often 20%—feels like a smart move. After all, a larger down payment is often seen as a way to reduce monthly mortgage payments and show financial responsibility. However, in many...
Alright – so today we’ve got the honor of introducing you to Whitney Vazza. We think you’ll enjoy our conversation, we’ve shared it below. Hi Whitney, thank you for joining us today and sharing your experiences and acquired wisdom with us. Burnout is a huge topic these days and so we’d love to kick things off by discussing your thoughts on overcoming or avoiding burnout “Wow, you’ve got your...
The Ups and Downs of Real Estate No two real estate transactions are the same, each met with its own set of challenges, wins, learnings and celebrations. The roller coaster of highs and lows was apparent in my latest transaction, ultimately leading to a successful close, and a wonderful new property for my friends and first time home buyers.But how did we get an offer accepted within 4 hours and...
Elementary Schools to Consider in Your Home Search San Diego, celebrated for its year round sunny weather, beaches, and thriving outdoor culture, is also home to some of the top schools in the nation. Whether you're new to the area or considering relocating, finding the right school for your child can be a daunting task. As a mom of three kids under the age of 5, I can personally attest to the pressure...
How Light Impacts You & Your Home Your Circadian Rhythm is the natural sleep and wake cycle that provides the body with the greatest degree of health and wellness. One of the newest trends in interior design and architecture is mimicking this cycle using proper lighting. Harnessing the power of light can significantly impact our mood, energy levels, and overall well-being. Benefits of...
Rates Drop to the Lowest Level Since Early 2023 Mortgage rates are dropping, and if you're considering buying a home, now is the time to act. Lower rates can save you thousands of dollars over the life of your loan, increase your buying power, and make homeownership more affordable than ever. Here's what you need to know to take advantage of the dip in mortgage rates. Lock in Your Rate...
Growing Number of ADUs in San Diego San Diego is becoming a hotspot for a growing trend in housing: Accessory Dwelling Units (ADUs). These secondary homes are emerging as a viable solution to address some of our city's housing challenges. Let’s explore why ADUs are not just a trend, but a transformative development in San Diego’s real estate landscape. What are Accessory Dwelling Units...
Presidential elections in the United States are more than just a contest of political ideologies; they also have significant implications for various sectors of the economy. How do presidential elections impact the housing market? Economic Policies & Market Confidence One of the most direct ways a presidential election impacts real estate is through the economic policies proposed by...
Introduction For first-time home buyers, the thought of owning a home can seem like an elusive dream, particularly in today’s competitive real estate market. However, with the right strategies, resources, and guidance, owning your own home could be more achievable than you think. Here are just a few things to consider when thinking about buying a home. Barriers to Home...