10-year Treasury
Live · 15m30-year fixed mortgage
Weekly · PMMSFoundational Guides
Why Carmel Valley Housing Moves Differently Than the Rest of San Diego
The 92130 housing market does not follow the same rules as the broader San Diego region. The reason is the buyer pool, and the buyer pool is leveraged to forces most other neighborhoods are not exposed to.
Read the full analysis
How Carmel Valley Schools Work: The Three Tier System Most Buyers Misread
The Carmel Valley school system works very differently from how most outside buyers assume. Understanding it correctly is one of the most expensive mistakes a relocating family can avoid.
Read the full analysis
The Two Locks Holding San Diego Inventory in Place: Rate Lock and Prop 13
San Diego inventory is not low because nobody wants to sell. Two specific financial mechanisms make selling extremely expensive for the people who own homes today.
Read the full analysisRecent Market Intelligence
A World Cup Team Is Training in Carmel Valley
The Swiss national team picked the Grand Del Mar and a school off the 56 for its World Cup base. The reasons a national team chose this corner of San Diego are the same ones that set local home values.
Read the full analysis
The Fed Put Rate Cuts on Hold. What That Means for Carmel Valley Buyers.
A sitting Fed Governor said last week that rate hikes are back on the table. Today's PCE, jobless claims, and new home sales data did not settle the debate. Here is what it means in dollar terms for buyers in 92130.
Read the full analysis
The $50,000 Question: Price Cut or Rate Buydown?
Two buyers, same home, same seller concession. Different decisions. The right one depends on how long you plan to stay and whether you believe the bond market.
Read the full analysis
Mini Data Centers in San Diego Backyards?
PulteGroup, Nvidia, and Span are testing AI compute nodes on new homes. The implications for resale value, HOAs, mortgage approval, and neighborhoods like Carmel Valley and 4S Ranch are not yet priced in.
Read the full analysis
San Diego's Housing Market Is Frozen. Here's a Loophole Everyone Should Know About.
Inventory is locked in place by two forces: rate lock and property tax lock. A 2021 California rule change opened a door most longtime homeowners don't know exists.
Read the full analysis
How I Sold 3835 Elijah Court in 3 Days: A 92130 Case Study
Listed at $849,000. Closed at $863,000 in three days with multiple offers. A full breakdown of the pricing thesis, positioning strategy, and execution behind the sale.
Read the full analysis
March Inflation Spiked. What It Means for San Diego.
March CPI hit 3.3% on record gas prices — the largest monthly gasoline surge since 1967. Here is what it means for mortgage rates, consumer confidence, and the San Diego and Carmel Valley housing markets this spring.
Read the full analysis
Gas Prices & Mortgage Rates: What the Double Squeeze Means for Carmel Valley
San Diego regular gas has jumped 26% in a single month to $5.94. Mortgage rates are ticking back up to 6.49%. For buyers and sellers in 92130, both numbers are moving in the wrong direction at the same time.
Read the full analysis
The Bond Market is Signaling Stress: What Rising 10 Year Treasuries Mean for Real Estate
The 10 year yield has pushed to 4.42% — its highest level in months. This spike signals the Fed will keep rates elevated longer than anticipated. Here is what it means for buyers and sellers in Carmel Valley and 92130.
Read the full analysis