San Diego real estate, answered.
The most common questions buyers, sellers, investors, and borrowers ask us.
How much home can I afford?+
A common rule is your total monthly housing cost stays below ~28-32% of gross income, with total debts below ~43%. A pre-approval gives you a precise number based on income, debts, credit, and current rates.
What credit score do I need?+
FHA loans start around 580, VA loans around 580-620, and conventional loans typically 620+. Stronger credit unlocks better rates and lower PMI.
How much should I put down?+
FHA: 3.5%. Conventional: as low as 3-5%. VA: 0%. Jumbo: typically 10-20%+. More down means lower payments and often a better rate.
What are closing costs?+
Buyer closing costs in San Diego typically run 2-3% of the purchase price (loan fees, title, escrow, taxes, insurance). Sellers typically pay 5-8% including agent commissions.
Should I buy or rent?+
If you'll stay 5+ years, have stable income, and have funds for down payment plus reserves, buying typically wins long-term. We'll model both scenarios for your situation.
How long does it take to sell a home?+
From listing to close, expect roughly 30-60 days in a normal San Diego market — faster in tight inventory areas with well-priced homes.
What is escrow?+
Escrow is a neutral third party that holds funds and documents while a transaction is finalized — making sure all conditions are met before money and title transfer.
What are property taxes in San Diego?+
Base property tax in California is ~1.0-1.25% of assessed value, plus local Mello-Roos and bonds in some communities. Assessments reset at sale.
How do VA loans work?+
VA loans provide zero-down, no-PMI financing for eligible service members, veterans, and surviving spouses. They use a Certificate of Eligibility and a one-time funding fee (often waived for disabled vets).
What is a DSCR loan?+
A DSCR (Debt-Service-Coverage-Ratio) loan qualifies investors based on the property's rental cash flow rather than personal income — perfect for self-employed or portfolio investors.
How do commercial loans work?+
Commercial loans typically require 20-35% down, shorter amortizations (often 5-10 year terms with 20-25 year amortization), and underwriting based on property NOI, DSCR, and sponsor strength.
How do I buy land?+
Land purchases involve due diligence on zoning, utilities, access, and entitlements. Land loans typically require larger down payments (often 25-50%). We connect you with land specialists for each step.
Talk to a San Diego real estate specialist.
Whether you're buying, selling, investing, securing financing, or chasing the next development opportunity — our team connects you with the right professional for the job.