What If Waiting to Buy A San Diego home Is Actually Costing You Money?
What If Waiting Is The Most Expensive Decision You're Making?
San Diego Housing Update – Summer 2026
George Lorimer | 619-846-1244
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Waiting Feels Safe. But It May Be Costing You.
Many buyers are waiting for lower mortgage rates. Many sellers are waiting for prices to go even higher.
But waiting is not always a strategy. Sometimes it is just fear dressed up as patience.
San Diego home prices remain near all-time highs. Over 2,200 homes sold last month. Buyers are still buying. Sellers still have equity. The market is not frozen — people are moving forward.
For Buyers: Waiting May Cost You The Better Deal
If rates drop, more buyers may jump back in. That usually means more competition, fewer deals, and less negotiating power.
Right now, buyers may still be able to negotiate:
- Lower purchase prices
- Seller-paid closing cost credits
- Mortgage rate buydowns
- Repair credits
- Flexible closing terms
The smarter move may be buying now, negotiating hard, and refinancing later if rates improve.
For Sellers: Your Equity May Be Sitting Idle
The question is not just, “What is my home worth?”
The better question is: “What is my equity doing for me?”
Selling now may allow you to:
- Move closer to family
- Buy a home that fits your life today
- Downsize and reduce expenses
- Buy an investment property
- Create retirement income
- Unlock money trapped inside your home
Summer 2026 Is Bringing More Opportunity
More homes for sale
More negotiating opportunities
More seller credits
More chances to lower your monthly payment
Thinking About Buying or Selling?
Start with one of the quick links below, or call/text me directly at 619-846-1244.
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Bottom Line
Waiting feels safe, but it may be costing you money, equity, and better choices.
Call or Text George Lorimer at 619-846-1244
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