how to buy a San Diego home with under a 5 percent mortgage rate

Buy a San Diego Home Today and Get a Mortgage Under 5%* — Here’s How

By George Lorimer, San Diego Real Estate Broker 619-846-1244
Over 1,200 Homes Sold | 25+ Years of Experience  
What's My Home Worth?

Why Now Is a Great Time to Buy
If you've been waiting for the right time to buy a home in San Diego, this may be your window of opportunity.

• 3X More Homes for Sale – Inventory has increased dramatically, giving buyers more choices and more leverage.
• Negotiating Power Is Back – Unlike the bidding wars of 2021-2022, today’s buyers can negotiate better prices, seller credits, closing cost help, and even rate buy-downs.
• Mortgages Under 5% – With creative strategies and lender programs, it’s possible to secure a rate under 5%, even in today’s market.

How to Get a Mortgage Under 5%
Here are three ways my clients are getting interest rates below 5%:

1. Seller-Paid Rate Buydowns
   Negotiate with the seller to pay points upfront and reduce your rate for the life of the loan — this can save you $500+ per month.
2. Builder or Lender Incentives
   Some builders and lenders are offering temporary and permanent rate buydowns. I’ll connect you with the right contacts to take advantage.
3. ARM Options & Local Programs
   5, 7, and 10-year ARMs or special programs for first-time and move-up buyers offer lower rates with fixed terms — ideal for buyers who don’t plan to stay in their home forever.

How to Get a Great Deal on the Right Home
Whether you're buying your first home or moving up from your current one, here’s how we make sure you get the best value:

• Access to Off-Market & Unlisted Homes
  I’ll get you into homes before they hit Zillow or Redfin, giving you a competitive edge.
• Smart Offer Strategy
  We analyze each home’s pricing, days on market, and seller motivation to craft offers that save you money — without losing the home.
• Flexible Purchase Options
  Need to sell before you buy? I offer a Trade-In Program so you can buy first and sell later — no double moves or risk of being homeless.

How Much Can You Save?
Let’s do the math:
Home Price: $850,000
Rate: 6.875% vs. 4.875%
Monthly Savings: $900+
Annual Savings: Over $10,000
That’s real money in your pocket — every single year. Want This Strategy Customized to You?
Call or text me at 619-846-1244, and I’ll personally walk you through:

• What homes do you qualify for
• What rate programs you’re eligible for
• How to negotiate the best price, terms, and financing
• How to find homes that other buyers don’t even know about

This report is free, no obligation, and comes with zero pressure.
Let’s talk.
 

George Lorimer 619-846-1244 San Diego Real Estate Broker Your Home Sold Guaranteed or I’ll Buy It!* *Conditions apply | ProWest Properties | DRE# 01146839 www.GeorgeLorimer.com

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