San Diego Funding

05/13/2026

Kevin Warsh was confirmed Wednesday by the Senate to serve as the next Fed Chair. Warsh succeeds Jerome Powell, who is stepping down as Fed Chair but he will remain on the board as a voting member.

With inflation data coming in hotter than expected, all eyes will now be on how Kevin Warsh responds and how he plans to lead the Federal Reserve moving forward at his first meeting next month.

04/16/2026

Mortgage Rates Just Had Their Best Day of the Month!

Mortgage rates dropped again this morning, reaching their lowest levels in the past four weeks. On top of that, mortgage applications rose last week for the first time in five weeks.

As rates improve, buyer confidence naturally follows—and we’re already seeing early signs of that momentum building.

We’re also seeing more homes hit the market priced at or below market value, leading to multiple-offer situations and helping sellers move properties quickly.

If you have been waiting on the sidelines, this could be a great window to get in the game before things heat up again.

Read More at https://www.sdfunding.com/blog

03/20/2026

Despite this short-term inflation pressure, there is no indication of rate hikes —signaling the Fed is not concerned enough to even consider raising rates at this time.

What this means for you - activity remains strong. Many buyers are locking in rates in the high 5s to low 6s, and we’re seeing multiple-offer competition on move-in ready homes under $2M. Above $2M, buyers are also motivated (many still first-time buyers), but more selective.

Overall, Buyers believe this inflation is temporary and they’re done waiting on the sidelines. We are here to help you get game-ready with a strong pre-approval!

** Discover why mortgage buyers are locking in rates in the 5s as the Fed maintains its stance.

03/12/2026

Celebrating Women’s History Month: Real Estate as a Wealth-Building Vehicle for Women

Real estate has become an important bridge to financial freedom and one of the areas where women are increasingly participating and holding influence, both as homeowners and as professionals within the industry.

Read more on our blog!

** Explore how women can leverage real estate for financial growth and wealth-building this Women’s History Month.

03/05/2026

Mortgage Rates Didn’t “Jump” — Here’s the Real Story!

Yes, rates ticked up slightly following the news over the weekend. But the actual move was about 1/8 of a percent, which translates to less than $70 per month on a $800,000 loan amount. Hardly the dramatic shift the headlines suggest, and most loans are still at rates below 6%.

Find out more at https://www.sdfunding.com/blog/mortgage-rates-didnt-jump-heres-the-real-story

02/27/2026

For the first time since September 2022, the average 30-year fixed mortgage rate is in the 5s! For context, just one year ago the average 30 year rate was in the high 6s.

This drop is meaningful. Lower rates increase purchasing power, and we are already seeing buyers re-engage and submit strong, confident offers.

Spring is shaping up to be competitive. Get pre-approved now to position yourself to move quickly. We are here to help make that happen!

01/30/2026

January's Market Recap
Earlier this week, the Federal Reserve met and, as expected, held interest rates steady. Mortgage rates followed suit, ending the week with minimal movement — a positive sign of stability as inflation continues to cool and the market looks ahead to potential policy shifts later this year.

** Explore January's mortgage trends, rates, and insights to make informed borrowing decisions.

01/15/2026

The Magic Rate, 5.99%, is Here!
Last week, mortgage rates hit a three-year low, now averaging around 5.99% (and even lower in some cases!)

Last week, mortgage rates hit a three-year low, now averaging around 5.99% (and even lower in some cases.)This positive momentum was further supported by the latest Core U.S. inflation data released this week, which showed inflation cooling slightly in December.

While we don’t expect a Fed rate cut this month, this new data leaves the door open for potential cuts later in 2026.

Why wait for another rate cut!? With rates officially in the 5s, buyer confidence is clearly returning and we're already seeing renewed energy in the market, creating meaningful opportunities for both buyers and sellers. If you are on the fence, now is a great time to explore your options.

As always, we’re available and happy to run scenarios or answer any questions!

11/25/2025

New economic data (delayed from the shutdown) dropped today—and the headline you can take to Thanksgiving dinner is simple: housing momentum is building and rates are easing.

Read more on our Blog and Have a Happy Thanksgiving! (We are working this weekend if you need us!)

** Discover the latest mortgage news to share at Thanksgiving dinner.

11/10/2025

Don’t Wait for a 50-Yr Mortgage — Why Buying Now Is Better

Rates are at their lowest in a year, sellers are motivated, and buyers have more options.

Now is not the time to sit on the sidelines waiting for a 50-year mortgage or the Fed’s next move. We can show you how you can afford to purchase now.

Contact us today!

** Discover why acting now in the mortgage market beats waiting for a 50-year option!