What's your San Diego home worth today?
Here’s what just happened with the Fed meeting and how it will impact San Diego housing, both sales and prices:
On July 30, 2025, the Federal Reserve held rates steady again. Many buyers were hoping for a rate cut, but that didn’t happen—and mortgage rates barely moved. We're still seeing rates hover around 6.75% for most buyers.
If you’re waiting for rates to drop to 5%, here’s the hard truth:
You could be waiting well into 2026 (but no guarantee). And by then, home prices may be higher—and you’ll have more competition from other buyers.
Discover available homes on the market.
Buyer Strategy: Get a 5.5% Payment Now
Here’s how we’re helping San Diego homebuyers lock in a payment that feels like a 5.5% mortgage:
- Negotiate a 3-2-1 or 2-1 rate buydown (seller pays part of your interest for 1–3 years)
- Get seller-paid closing costs to reduce your upfront expenses
- Use lender credits to lower your monthly payment
With more homes on the market now than at any time in the last 5 years, buyers have leverage today. That will shift fast if rates do drop.
Seller Insight: Why Waiting May Cost You
Many sellers are thinking: “I’ll sell next year when rates are lower and buyers flood back in.” But there’s a major risk…
If rates stay high, you’ll be waiting even longer. If rates drop, a flood of new listings will hit the market, and your home won’t stand out.
Right now, we’re close to peak home prices, and there’s less competition. Homes that are clean, updated, and priced right are still selling fast—especially with our buyer demand list and guaranteed sale programs.
Bottom Line:
Buyers: You have options to afford a home today—even with higher rates.
Sellers: You can still sell for top dollar before inventory spikes or prices flatten.
- Get a free buyer plan that fits your budget
- See how much your home could sell for—with no pressure or commitment
George Lorimer
Your Home Sold Guaranteed or I'll Buy It!
ProWest Properties | DRE# 01146839 | *Conditions apply.
Not quite ready to sell? Download Marketing Plan