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Becoming a homeowner for the first time is one of the biggest milestones you’ll ever achieve, but in a market like San Diego, it requires a clear strategy. In this video, Brad and Karen Mattonen of HomesInSDCounty break down the 5 essential tips every first-time buyer needs to know to succeed in 2026.

With the current SoCal homes dip providing more inventory and stabilized rates, now is the time to get your “ducks in a row.” We cover everything from the importance of pre-approval to why your “wants” list needs to be flexible in today’s market.

In this video, we cover:

  • Credit & Pre-Approval: Why your “buying power” starts months before you look at a house.
  • The “Must-Have” vs. “Nice-to-Have” List: How to stay realistic without settling.
  • Budgeting for the “Hidden” Costs: It’s not just the mortgage; we talk taxes, insurance, and maintenance.
  • Location Strategy: Finding value in North County’s emerging neighborhoods.
  • The Power of Professional Advocacy: Why having a fierce negotiator in your corner is non-negotiable in 2026.

❓ First-Time Buyer Q&A

Q: Is 2026 a good year for first-time buyers in San Diego? A: Yes! With inventory at a 5-year high, first-time buyers finally have the selection and time they were denied during the 2021–2024 frenzy.

Q: How much down payment do I really need? A: While 20% is the “gold standard,” many of our first-time clients are successfully using programs with as little as 3% to 3.5% down. Contact us to see which programs fit your 2026 goals.

Let’s Connect & Find Your Smart Move!

Don’t navigate the SoCal homes dip alone. Whether you’re looking for a deal in North County, exploring 55+ communities, or seeking a coastal retreat, Brad and Karen Mattonen are here to be your fierce advocates.

Brad Mattonen, REALTOR® | CA DRE #02062665 Karen Mattonen, REALTOR® | CA DRE #02044711 Coldwell Banker West | HomesInSDCounty

📞 Call/Text: 858-518-2875 or 858-668-8004

📧 Email: bmattonenrealtor@gmail.com

🌐 Search All Homes: HomesInSDCounty.com

📍 Visit Us: 7135 Camino Del Sur, Suite 115, San Diego, CA 92127

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