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Bridge or Bust? Know Your Mortgage Options Before You ListBefore you list your home, explore bridge loan alternatives in San Diego. Compare mortgage options, equity strategies, and…
California Home Prices Hit Record HighAn in-depth market breakdown examining California’s record-shattering median home prices, the underlying inventory supply…
The 2.75% Interest Rate: Your Home’s Secret Weapon in 2026Stuck with a low mortgage rate but need to move? Discover how to use a VA Assumable Loan as a “secret weapon” to sell your North…
San Diego Home Buying Strategy: Don’t Get the Keys Before the Numbers: Why Pre-Approval is Your First MoveMost people start their home search in the wrong place—scrolling through listings. That is backwards. In a competitive market,…
What to Know About Mortgage Refinancing and Common Refinancing CostsThe Reality of Refinancing in 2026Thinking about a mortgage refinance? Don’t let ‘Bank Logic’ fool you. In California’s 2026 market, a lower rate doesn’t always…
California Home Sales, Prices Drop in Early 2026Is the San Diego housing market finally cooling? Early 2026 data shows a measurable pullback in home sales and a softening of…
California Offers $150K Down Payment AidIs the California Dream For All program actually a good deal? 🤔 In 2026, the rules have shifted for first-generation buyers.…
If you’re looking for a real estate agent in San Diego county and surrounding areas look no further“Looking for more than just a real estate agent? Meet Brad and Karen Mattonen. We believe in relentless advocacy, straight talk,…
SoCal Homes Dip: Buying Entry in 2026?We analyze the 2026 SoCal homes dip to determine if current inventory levels and mortgage rate shifts have finally created the…
5 Tips for Successful First Time Home OwnershipThinking about buying your first home in 2026? From credit readiness to navigating the SoCal homes dip, Brad and Karen Mattonen…
Factory-Built Housing to Growth in California This YearCalifornia is leaning into factory-built housing to solve the inventory crisis. But is it right for you? We break down the 5…
Zone Zero: What California Homeowners Need to Know About New Wildfire Safety RulesStarting in 2026, California is enforcing “Zone Zero”—a mandatory 5-foot ember-resistant buffer around homes in high-risk…
Negotiation power is back for buyers: how to ask for credits, repairs, rate buydowns, and timelines without killing the dealThe San Diego housing market has shifted. Buyers no longer have to settle for “as-is” deals. Discover the professional strategies…
Is 6% Mortgage California Homebuyers’ Golden Ticket?Are 6% mortgage rates the breakthrough California buyers have been waiting for? Brad and Karen Mattonen dive into the 2026…
The Hidden Costs of Waiting to Buy (That No One Talks About)Is waiting for the “perfect” market actually costing you a fortune? Brad and Karen Mattonen reveal the hidden costs of waiting to…
Is California’s Housing Market Heading for Balance?Is the California housing market finally balancing? Brad and Karen Mattonen break down the 2026 forecast, highlighting the…
What Not to Do During the Mortgage Process (Avoid These 10 Mistakes)Planning to buy a home soon? Your financial actions during the loan process are critical. From job changes to large bank…
Early 2026 Signals for California’s Housing Rebound | Brad & Karen MattonenAs we enter early 2026, California’s housing market is flashing signs of a much-anticipated rebound. With stabilizing interest…
San Diego County approves state grant funding to help first-time homebuyersAs we enter early 2026, California’s housing market is flashing signs of a much-anticipated rebound. With stabilizing interest…
Could Mortgage Dips This Fall Tempt Home Buyers?Mortgage rates are showing signs of a “chill” this season. We explore if these dips are enough to entice buyers back into the San…
Real Estate Revitalization Opportunities: How Abandoned Cities Are Becoming Prime Markets for Home Buyers, Sellers, and InvestorsAcross the U.S., abandoned and overlooked cities are entering a new phase of revitalization—creating fresh opportunities for…
Mortgage Rates Drop: Homes Still Climbing?Uncover the paradox of dropping mortgage rates amid climbing home prices in San Diego: Insights from experts Brad & Karen…
Guide to Mortgage Pre-Approval: Get Pre-Approved TodayGetting pre‑approved is the first—and most important—step in buying a home. This guide breaks down how mortgage pre‑approval…
Not a Surge, but a Shift: Western Housing Sets Up for 2026 RecoveryThe Western housing market isn’t experiencing a surge—but it is undergoing a meaningful shift. With moderating prices, easing…
5 things you need to know about getting a mortgage if you’re self-employedSelf-employed buyers face a very different mortgage process than W-2 employees. Understanding how lenders calculate income,…
Will Homebuying Become More Affordable in 2026?Many buyers are waiting for prices or rates to drop, but affordability depends on more than market headlines. Here’s what buyers…
Could New Homes Save You Thousands in 2026?New construction homes may offer incentives in 2026 that reduce total buyer costs, even when prices appear higher upfront.…
San Diego County Market UpdateThe San Diego County real estate market is showing clear signs of change. From inventory levels to buyer demand and pricing…
Lazerson’s 2026 mortgage and housing predictionsExplore expert predictions for mortgage rates and the housing market in 2026 with insights from Lazerson. Understand how interest…
Follow These Tips for Refinancing Your HomeFollow these expert tips for refinancing your home, including when to refinance, how to get a better rate, reduce payments, and…Is 3% Home Buying Power the 2026 Turning Point?Explore the potential turning point of 3% home buying power in 2026. Learn how this impacts mortgage rates, home affordability,…
The Real Estate Shake-Up: What Brokerage Consolidation Means for Agents and ClientsThe real estate market is changing, and both buyers and sellers are feeling the impact. Large companies bring advanced technology…Why California Is a Top Metro for Real Estate InvestorsCalifornia continues to be one of the most attractive metros for real estate investors. In this video, we break down:…Mortgage Rates Forecast 2026: What San Diego Buyers Must Know NowWith 2025 rates ~6.2-6.3%, 2026 forecasts point to slight drops (~6.0-6.3%). Discover expert predictions, lock strategies, and…
Ways to Lower Your Mortgage Payments: Practical Options for HomeownersLearn practical strategies to lower your mortgage payments, including refinancing, loan modifications, forbearance options, and…
When to Refinance Your MortgageRefinancing your mortgage can save you money — if you do it at the right time. Learn when it makes sense to refinance your home…High 5s or Mid-6s? 2026 Mortgage Rate ForecastA straightforward 2026 mortgage rate forecast breaking down whether rates are likely to stay in the high 5s or move into the mid…
Should You Buy a Home in 2026? Key Market Signals San Diego Buyers Must Watch Right NowIs 2026 a good time to buy a home? Discover key factors influencing the San Diego housing market, including pricing trends,…
San Diego Housing Market Forecast for 2026: Opportunities for Buyers in a Shifting LandscapeAs 2025 ends with mortgage rates around 6% and median prices near $1M-$1.05M, San Diego’s 2026 housing market forecast points to…
Found a Good Mortgage Rate? Lock It In!If you’ve secured a favorable mortgage rate, now is the time to lock it in before market conditions shift. Learn why rate locks…
Zero Down Payment and Down Payment Assistance Programs in California: A Guide for San Diego and Riverside CountiesDon’t let a lack of savings stop you from owning in San Diego County. Explore local and state programs that offer zero‑down or…
Selling Your Home: How Higher Capital Gains Can Save You ThousandsMost homeowners assume higher capital gains mean higher taxes—but in many cases, larger gains can actually help you keep more…
10 Ways to Help Create a Smooth Mortgage ClosingClosing on a mortgage doesn’t have to be chaotic — follow these 10 practical strategies to help make the process smooth,…
How To Get the Best Mortgage RateHow to Get the Best Mortgage Rate Getting a great mortgage rate isn’t just luck — it’s a strategy. Here…Will SoCal Home Sales Rebound?After years of sluggish sales, SoCal’s housing market signals a strong rebound in 2025—with projected sales hitting 304,400 units…
How to Obtain and Understanding Your MortgageBuying a home? Then understanding your mortgage isn’t optional — it’s essential. 🏡 In this video, we break down everything…5 Reasons Enticing Me to Buy a Home Before 2025 EndsIs now the right time to buy a home? In this video, we share five compelling reasons why buying before 2025 ends could be your…Is Housing Finally at a Turning Point?After years of volatility, is the housing market finally shifting? In this video, we explore the signs of a potential turning…
Your Advocates in San Diego Real Estate: Guiding You Through Every Step with Care and ExpertiseReal estate isn’t just about transactions—it’s about trust. In this video, meet your San Diego advocates who guide you through…
Think Homeownership in San Diego Means 20% Down? Think Again!Many San Diego buyers believe they need 20% down to buy a home — but that’s not always true. Learn about down payment assistance…
Zero Downpayment Home Buying in San Diego: Unlock Your Dream Home Today!Think you need a big down payment to buy a home in San Diego? Think again! Learn how zero downpayment programs can help you…
Mortgage Servicing Corruption: What They Don’t Want You to KnowThe Hidden Side of Mortgage Servicing Mortgage servicing—the handling of your loan payments, escrow accounts, and delinquency…
Great job and very responsiveAnother satisfied client, another successful real estate story. In this quick testimonial, our client shares how we delivered a…California Home Prices Top $910K Amidst Plummeting Sales – videoCalifornia’s median home prices have surged past $910,000—but home sales are plummeting. What’s really driving the disconnect…
Karen is superb at understanding not only what you want, but what you need. Talk to her and let her.Another real client, another real win. In this referral, our client shares how Karen didn’t just check boxes—she truly understood…California Renters Can Now Build Credit: Here’s HowVideo Description:For the first time, California renters—especially those in assisted housing—can build their credit by having…Buying Homes Costs Less Than Renting in 2025Think renting is your only affordable option in 2025? Think again. In many parts of the U.S., including San Diego…
Foreclosure Filing: Meaning, How It Works, And Different TypesA foreclosure filing isn’t an immediate eviction—it’s a legal process with specific windows of opportunity. From the Notice of…
Is SoCal’s Housing Market Shifting?Is Southern California’s housing market undergoing a transformation? In this post, we dive into the latest trends, including…Is Now a Good Time to Buy a Home? What Experts Are SayingIf you’re thinking about buying a home right now, you’re likely asking yourself, Is now the right time? With mortgage…
Is Now the Right Time to Buy or Sell?Focus on Enjoying Your Home and Building Your Future Understanding Market Cycles and the Long-Term Benefits of Homeownership One…
SoCal in 2025: What Buyers and Sellers Can ExpectThe Southern California real estate market is shifting in 2025. With changing interest rates, evolving buyer preferences, and…
Assembly Bill 2424: Major Foreclosure Changes AheadAssembly Bill 2424 is bringing major changes to the foreclosure process in California. This new legislation aims to protect…
California’s Housing Shortage: Three Decades of StrugglesCalifornia has been battling a severe housing shortage for over three decades, and the effects are being felt across the…
HUD Announces Permanent Mortgage Relief Options for HomeownersEffective Solutions for FHA Loan Borrowers to Stay in Their Homes The U.S. Department of Housing and Urban Development (HUD)…
Median Prices on the Decline in San Diego County as of November 2024Understanding the Shift in San Diego’s Housing Market Contact me to discuss the latest scoop in real estate! …
Navigating Insurance and Recovery After Wildfire LossesA comprehensive Guidance for Homeowners to Rebuild and Recover California law provides critical protections and resources for…
Mandatory One-Year Moratorium on Insurance Non-RenewalsHow California’s SB 824 Protects Homeowners After Wildfires In the aftermath of devastating wildfires, homeowners face numerous…
Not Just a License: Why REALTORS® Deliver True Client AdvocacyWhy Choosing a REALTOR® and not Just an Agent Ensures Trust, Ethics, and Expertise When clients look for a real…Smart Strategies for Buying a Home on a Tight Budget in a High-Cost MarketMaximizing Your Purchasing Power and Navigating High Prices with Confidence Buying a home in an expensive market with a limited…
Opinion: How San Diego Residents Can Achieve the Dream of HomeownershipThe Hidden Path to Homeownership in San Diego: Why It’s More Attainable Than You Think – Beyond the Headlines: Your…
Realtors: Experts in Emotional Support, Financial Transactions, and NegotiationRealtors: The Unsung Heroes of High-Stakes Transactions When people think about professionals who manage huge financial…
Navigating Buyer Commission Concerns: We’ve Got Your Back and Are Here to Negotiate on your behalfUnlock Your Dream Home with Expert Guidance and No Hidden Costs Dear Valued Clients, We understand that recent discussions about…
San Diego Tackles Housing Affordability by Incentivizing ADUsIn this video, we explore how San Diego is addressing its housing affordability crisis by promoting the construction of Accessory…
Sell Your Home Fast with ICash+ | Innovative Home Selling SolutionsMultiple CASH OFFERS, even at full market value 🧐 SAY WHAT?… You’re giving me a cash offer that pays me…
Unlock Homeownership with the CalHFA VA AND CALHFA USDA ProgramA Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers The CalHFA VA program offers a VA-insured loan…
Unlocking Your IRA for a Home Purchase: A Comprehensive GuideEverything You Need to Know About Using Your IRA to Buy a House Individual Retirement Accounts (IRAs) are designed as…
Navigating Delayed Negotiations: Strategies for Smooth Real Estate TransactionsManaging challenges in delayed negotiations involves grasping the root causes, such as political instability, economic downturns,…
The NAR 2024 Settlement: A Double-Edged Sword for Buyers and Sellers in the Real Estate MarketUnveiling the Impact: A Comprehensive Analysis of Real Estate Dynamics The real estate landscape is undergoing significant…
Seizing the Moment: Why San Diego’s 4th Strongest Real Estate Market Spells OpportunityUnlocking the Potential: Why Now is the Perfect Time to Invest in San Diego Real Estate In the ever-evolving landscape…
Maximize Your Savings: Apply for the Disabled Veterans’ Property Tax ExemptionSan Diego veterans, are you aware of the Disabled Veterans’ Property Tax Exemption? This valuable program can significantly…
Dave Ramsey’s Expert Advice: Why Now is the Perfect Time to Buy a House Despite Rising Interest RatesMany potential homebuyers are cautiously observing market trends and interest rates, waiting for the opportune moment to make…
CalHFA ADU Grant Program: Affordable Housing Solutions and Sustainable Living OpportunitiesCalHFA allocated additional funding for the CalHFA ADU Grant ProgramCalHFA has secured additional funding for the CalHFA ADU…
Unlock the Path to Homeownership with loanDepot’s New FHA Down Payment Assistance ProgramloanDepot’s New FHA Down Payment Assistance Program: A Helping Hand for Homebuyers loanDepot has unveiled a groundbreaking…Buying a house with bad credit: Is it possible?Mastering Home Loan Qualification: Navigating the Credit Score Maze The one thing that many of our first-time homebuying clients…
California New Foreclosure Laws 2023In the dynamic realm of residential real estate, California once again leads the way with the enactment of Assembly Bill…
Your Ultimate Guide to First-Time Homebuyer Programs: National, State, and Local OptionsNavigating the Maze of Homeownership Programs: Your Comprehensive Guide Becoming a homeowner is a monumental milestone, often…
From Financial Sense to a White Picket Fence: Your Comprehensive Guide to HomeownershipThe Dream of a White Picket Fence Home: A Financial Guide to buying a Home Owning a home with a…
Buying a home with Bad Credit: Strategies and OptionsHow to Buy a Home With Bad Credit: A Complete Guide Purchasing your first home is a major milestone. But…How Rising Mortgage Rates Affect Home Affordability in CaliforniaThe True Cost of Interest Rates When mortgage rates rise, home affordability decreases significantly… California’s high home…
Don’t Go It Alone – Why You Need a Professional When Calculating Your MortgageIf you’re in the market for a new home, you may be tempted to crunch the mortgage numbers yourself to…
Navigating First-Time homebuyers Assistance ProgramsPurchasing your first home is an exciting milestone, but saving for a down payment and securing a mortgage can present…
Homebuying Myths Debunked: Why Now Can Still Be a Good Time to BuyThe housing market has seen monumental changes over the past few years. Home prices have skyrocketed, inventory has plummeted,…Empowering First-Time Homebuyers: Unleashing the Potential of Down Payment Assistance ProgramsOwning a home is a significant milestone, and for first-time homebuyers, it can be both thrilling and overwhelming. In this…
Why Would A Mortgage Be Denied After Pre ApprovalWhy Would a Mortgage Be Denied After Pre-Approval? (2023) In this informative video, we explore the common reasons why a…Medical Professional Mortgage Loans: Empowering Healthcare Heroes for HomeownershipThere has been a lot of debate of late over student loan forgiveness. When it comes to these loans, it’s…
Honoring Fallen Heroes: A Tribute to Those who Serve and Protect on Memorial DayThis Memorial Day, we recognize and cherish the significance of home—the sanctuary that deserves our utmost protection. Today, as…
Navigating California’s Fire Insurance Challenges: Selling, Downsizing, Rightsizing, and the Role of the California FAIR PlanAs wildfires continue to pose a threat to California homeowners, navigating fire insurance challenges has become increasingly…
The FHFA Announces New FICO Score Models for Fannie Mae and Freddie Mac Loans: What Does It Mean for Borrowers?What you need to know about the FICO 10T and VantageScore 4.0 models and their potential Positive impact on homebuyers…
Concessions Sellers Should Consider Making in a Cooling Market – videoDiscover effective strategies for and concessions sellers may want to consider making in a cooling real estate market. Learn how…
Enhancing Real Estate Diversity: Advocacy, Training, and Inclusive Workplace CultureEmbracing Diversity and Inclusion in Real Estate: The Importance of Mandatory Implicit Bias Classes As a Realtor in California, I…Explore Your VA Home Buying Benefits TodayThe VA home loan program is one of the most valuable benefits available to U.S. military veterans. It offers a…
Avoiding Foreclosure: Comprehensive Tips and Resources for Homeowners in San Diego County, CaliforniaSan Diego County is a popular area for homebuyers and homeowners alike. However, as with any area, homeowners in San…How to Save for a Mortgage to Buy a Home in San Diego CountyThe Importance of a Solid Savings Plan and Down Payment Assistance Programs for First-Time Home Buyers in San Diego County…
A Comprehensive Guide to Home Buying for VeteransBuying a home can be an exciting and significant milestone for anyone, but it can also be a complex process….
San Diego First-Time Homebuyer Help: 7 SDHC Programs to Save7 SDHC programs help first-time San Diego buyers save on down payment & closing costs. Deferred loans, grants & 2025 income…
Home financing: Tips on how to secure financing for your home purchaseHome financing: Tips on how to secure financing for your home purchase, including information on mortgage rates, loan types, and…
HomesinSDCounty was Ranked in the Top Real Estate Blogs in San Diego County -4Years RunningWe’re proud to share that Homesinsdcounty.com has been recognized by Feedspot as one of the Top 10 San Diego Real…
Here are the nuts and bolts of the mortgage process!If you think that making the decision to purchase a home was a tough one, wait until you see what’s…
VA Construction Loans: How Veterans can Get the Financing You Need to Build Your HomeThe 1940s in the U.S. were defined by World War II and the Baby Boom generation that followed as soldiers…Veterans, Can’t make the payment on your VA Loan?From the high (and going higher) cost of food to escalating energy bills, budgets are being destroyed across the country….Is Money tight? Are you Potentially Struggling to make your mortgage payment?With an economy that is variously described as “teetering,” “worrisome” and “fragile,” many Americans are on the edge of panic….
Growing Number of Homeownership Programs for First Responders and Our Local Community HeroesThe 4th Quarter in 2021 Homeownership Program Index Showed continual growing availability of homebuyer assistance programs for…REALTOR vs Agent should I care? What’s the difference? VideoWell let’s start with What is a REALTOR®? All real estate licensees are not the same. Only real estate licensees…Another successful year finding Dream Homes using CALHFA Forgivable Down Payment Financial Assistance ProgramsWe at HomesinSDCounty.com are grateful to be instrumental in helping several of our Clients to Purchase their First Homes in…
Why it’s important to get a Second Opinion in getting a Mortgage – videoAlways Ask for a 2nd opinion! NOT all lenders are created equally. As a Mortgage Broker, we have MORE options…
Don’t fall into the Overpricing Trap in Selling Your HomePricing strategy is one of the most important elements in selling real estate. To get top dollar, it’s essential to…
The Mortgage Process, It’s really not that Complicated as it sounds!We are positive you can do this, We have your back. Here’s everything you need to get started. We know…
What are the Benefits of working with a Professional Realtor – VideoSome of the benefits of working with a Realtor include gaining access to the MLS, increasing transaction speed, and increasing…How much payment assistance can I get with a USDA direct home loan?There are several government-backed mortgage programs to help very-low and low-income Americans. FHA, for instance, offers a…Rising interest rates and how they impact the home saleIt’s May and the Fed recently held their latest pow-wow. When they met in March, they raised “… the federal…
Does Running A Credit card Balance Boost Your Score?No, but 65% of Americans Surveyed by LendingTree incorrectly believes the myth that carrying a Credit Card balance helps their…
184 Thing Your REALTOR® is doing to Earn their CommissionListed here are 184 typical actions, research steps, procedures, processes and review stages in a successful residential real…
Video – Hispanic home ownership highest in 20 yearsLet Us help YOU find your dream home From the Beaches to the Rolling Hills of San Diego County Excellence…
Mortgage Loans And Student DebtAs of August 2021, student loan debt in the U.S. totals $1.73 trillion, and it’s growing at a rate six…
CA H.O.M.E ACT / SB 9 ExplainedOn July 19, 2021, the City of San Diego announced a new citywide initiative called Homes for All of Us….
Tips to Help First-Time Homebuyers Secure a VA LoanYou’re ready to live the dream of owning your own home, but it can be complicated and confusing for first-time…Free downloads
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