Mortgage Rates at 7.3% and a Hawkish Fed: A Game Plan for San Diego Buyers and Sellers

I wear two hats: Broker Associate at eXp Realty and Loan Officer at West Coast Financial. So I see the rate picture from both sides of the deal. Rates moved fast this fall, and the Fed meets this week, so here's where things stand and what to do about it. Where Mortgage Rates Are Right Now According

Getting Your North County Home Ready to Sell: Upgrades With the Best ROI in 2026

Many sellers think they need a $80,000 kitchen remodel before listing. Usually they don't. Since 1999, I've watched which projects actually pay off at the closing table in Vista, Carlsbad, Oceanside, and San Marcos. The data agrees: small, visible, buyer-facing fixes beat big remodels. Why Preparati

San Diego County Housing Market Update: September 2026 Numbers for North County

"Is now a good time?" is the question I hear most. The honest answer depends on the numbers, so here are the newest ones. The September 2026 data was released in early October. The Big Picture: Prices Up, Sales Down Countywide, the September 2026 median sales price for all property types was $910,00

California FAIR Plan 29% Rate Hike: What North County Buyers and Sellers Need to Know

If you own a home in Fallbrook, San Marcos, Escondido, or the hills of Vista and Carlsbad, or you're trying to buy one, homeowners insurance may be the most important part of your housing budget right now. On October 15, 2026, the California FAIR Plan's average rate increase of 29.1% took effect for