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07/31/2025

No Rate Cuts Yet: How the Fed’s Decision Affects San Diego Real Estate

What the Federal Reserve’s Decision Means for Buyers and Sellers On July 30, 2025, the Federal Reserve chose to hold its benchmark interest rate steady at a range of 4.25% to 4.50%. Despite calls for immediate rate cuts due to slowing economic growth, the Fed emphasized a cautious approach, preferring to wait for more economic […]

Alex Moore

5 min read

07/29/2025

Affording a Home in San Diego: Income Needed vs. Rental Costs in 2025

Homeownership Income Thresholds in San Diego In 2025, San Diego remains one of the most expensive housing markets in the country. The median price for a single-family home ranges from $889,000 to over $1 million, depending on the neighborhood. To afford a home at this price point, buyers typically need an annual income between $241,000 […]

Alex Moore

6 min read

07/24/2025

How Rising Inventory in San Diego Is Changing Mortgage Strategy

New Market Conditions San Diego’s real estate market is shifting. After years of low housing supply, the number of homes for sale is rising sharply. As of July 2025, active listings in San Diego County are up more than 50% year over year, with over 5,600 homes on the market compared to just 3,400 a […]

Alex Moore

5 min read

07/22/2025

Refinancing in San Diego: Rates Remain High — When Does It Make Sense?

Current Refinance Rates in San Diego A Snapshot of Today’s Market As of mid-July 2025, the average 30-year fixed refinance rate in San Diego sits around 6.8% to 6.9%. The 15-year fixed rate hovers near 5.9%, while 5-year adjustable-rate mortgages (ARMs) are approximately 7.3%. These rates are consistent with national averages, with 30-year fixed refinance […]

Alex Moore

6 min read

07/15/2025

How San Diego’s Population Dip Impacts Mortgage Rates and Housing Demand

Population Decline in San Diego — What’s Really Happening? For the first time in years, San Diego is seeing more people leave than move in. Although the area continues to experience natural growth—births outnumbering deaths—outmigration has become a major factor. High housing costs, limited inventory, and remote work flexibility are pushing many families to seek […]

Alex Moore

5 min read

07/01/2025

Neighborhood Spotlights: Mortgage Trends Across San Diego Communities

San Diego’s real estate market San Diego’s real estate market in 2025 reflects both opportunity and challenge. The median home price has risen to $1,050,000, signaling a competitive environment driven by continued demand and limited inventory. While housing supply has increased slightly compared to recent years, it remains well below pre-pandemic norms. This imbalance continues […]

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Latest news

No Rate Cuts Yet: How the Fed’s Decision Affects San Diego Real Estate

Affording a Home in San Diego: Income Needed vs. Rental Costs in 2025

How Rising Inventory in San Diego Is Changing Mortgage Strategy

Refinancing in San Diego: Rates Remain High — When Does It Make Sense?

How San Diego’s Population Dip Impacts Mortgage Rates and Housing Demand

Neighborhood Spotlights: Mortgage Trends Across San Diego Communities

Unlock the Power of Fast and Flexible Financing in San Diego

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