Buy Now or Rent Longer? 5 Questions to Answer Before Purchasing Your First Home

Buy or Rent? 5 Questions to Answer Before Purchasing Your First Home Picture of couple hugging standing in a house with moving boxes

Deciding whether to jump into the housing market or rent instead is rarely an easy decision. This is especially true if you’re a first-time homebuyer. But in today’s whirlwind market, you may find it particularly challenging to pinpoint the best time to start exploring homeownership. Here are some ways to figure out if it makes more sense to buy or rent.

Continue reading Buy Now or Rent Longer? 5 Questions to Answer Before Purchasing Your First Home

North County and San Diego Housing Markets October 2022

North County and San Diego Housing Markets October 2022 chart showing North San Diego County housing market statistics for September 2022 by Pam Fraser

North County and San Diego housing markets continue to slow due to pressure from rising interest rates. It’s not all doom and gloom though. Countywide, the median price rose by 7.6 percent year-over in September. Inventory is still very low, sitting below two months, and the average time for a home to sell is just one month.

Continue reading North County and San Diego Housing Markets October 2022

San Diego Garden Tips October 2022

San Diego Garden Tips October 2022 Pam Fraser Realtor hand sprinkling seeds from a packet into soil
Planting Seeds AdobeStock

October’s here! As long as the weather has cooled, this is the best month to plant almost everything in your San Diego garden.

Continue reading San Diego Garden Tips October 2022

What Is a Mortgage Buydown?

What Is a Mortgage Buydown? Pam Fraser picture of a house, calculator, pencil and coins

Mortgage rates have more than doubled in a matter of months. This is making homes much less affordable for today’s buyers. It’s also softening the strong seller’s market we’ve experienced over the last few years. Because of this, it’s important for home sellers to use all of the tools at their disposal to make their homes as marketable as possible. It’s equally important for home buyers to make their home purchases as affordable as they can. One way you can do this is with an interest rate buydown. An interest rate buydown reduces the monthly mortgage payment for the home buying borrower.

Continue reading What Is a Mortgage Buydown?

Fall Fun in North County and San Diego

Fall Fun in North County and San Diego jack-o-lantern on the beach

Fall Fun in North County and San Diego

There’s lots of fall fun in North County and San Diego in October! Along with Oktoberfests and wine and food festivals, there are lots of great kids’ activities too. See a tractor show, go for a run or walk, get scared, watch Ultimate, see a great movie, and so much more. Keep reading for more great San Diego and North County fun events!

Continue reading Fall Fun in North County and San Diego

North County and San Diego Housing Markets September 2022

North County and San Diego Housing Markets September 2022 chart showing North San Diego County housing market statistics for August 2022 by Pam Fraser

North County and San Diego housing markets continue to see month-over drops in prices, longer market times and lower selling verses asking prices. But what we are no longer seeing is an increase in inventory.

Continue reading North County and San Diego Housing Markets September 2022

8 Strategies to Secure a Lower Mortgage Rate

8 Strategies to Secure a Lower Mortgage Rate Pam Fraser modern home with a pool

Mortgage rates have been on a roller coaster ride this year. The Fed is saying they are open to more rate hikes to fight inflation. With proper planning, you can work toward qualifying for a lower mortgage rate and, hopefully, the best mortgage rate available today.

Continue reading 8 Strategies to Secure a Lower Mortgage Rate

San Diego Garden Tips September 2022

San Diego Garden Tips September 2022 Pam Fraser Amaryllis belladonna flowers
Belladonna Lily

Summer’s coming to an end and it’s time to get ready for fall planting season in your San Diego garden.

Continue reading San Diego Garden Tips September 2022

North County and San Diego Events September 2022

North County and San Diego Events September 2022 woman singing at ArtWalk Carlsbad

North County and San Diego Events for September

North County and San Diego Events in September include something for everyone! You can go to the races, stomp grapes, enjoy lots of festivals with music, art and food, or take in a movie. There’s even a Steampunk expo! Keep reading for more great San Diego and North County events!

Continue reading North County and San Diego Events September 2022

North County and San Diego Housing Markets August 2022

North County and San Diego Housing Markets August 2022 Pam Fraser chart of North San Diego County home prices and market statistics

North County and San Diego housing markets are continuing to slow, but at this point, we’re just moving toward a more balanced market. The median and average sales prices have been dropping since April, but are still showing strong year-over gains. Inventory has also not yet hit pre-pandemic levels, and homes are selling faster than they were in 2019.

Continue reading North County and San Diego Housing Markets August 2022