San Diego is one of the most fascinating places to live in the United States, and for superior explanation. With its pristine beach locations, 12 months-spherical sunshine, and thriving task market place, it is no question that so lots of men and women desire of proudly owning a dwelling in America’s Best City. However, the procedure of getting a household in San Diego can be overpowering, specifically for to start with-time purchasers. 

To help you get started out, we turned to some of Redfin’s prime Brokers and Associate Agents in San Diego to aid you navigate the procedure with self esteem. Whether or not you are a regional renting an condominium or an out-of-towner hoping to individual your initially home in San Diego, these recommendations will assist you come across the excellent place to get in touch with your have.

1. Get pre-approved for a mortgage loan

My assistance to to start with-time homebuyers is to discover a excellent financial loan officer and get pre-accredited, totally underwritten acceptance is ideal. Get the job done with that mortgage officer and their agent to comprehend what timeframes they’re comfortable with in an offer. Sellers want shorter contingency intervals so they really don’t waste time on unsuccessful escrows and are far more relaxed that the offer will shut on time. By shortening these contingency periods you’re making your present much better and your supply will glance much better to a vendor. – Robert Cenzer | Redfin Agent

Really don’t jump in and start off home searching until eventually you have been pre-accepted by your area financial institution or financial institution. You will want to know what your monthly home finance loan payment is so you can deal with your month-to-month residence finances. This way you’ll know precisely how much home you can afford to pay for. You can make a stronger give when you discover the household you seriously like. – Gary Giffin | Redfin Lover Agent, AARE

2. Know the charges linked with getting a residence in San Diego

I cannot anxiety adequate how vital it is for a buyer to converse with a lender and genuinely recognize the costs of the down payment, closing and month-to-month payments. Once we have that squared absent, they can shop with self-assurance. As well as, when we have a funds setup, I can assistance established up a saved search that’ll hone in on what could get the job done for them.  With the Redfin app, they’ll be one of the initial to know when a new listing pops up in an spot they want to be in. – John Copeland | Redfin Leading Agent

If you are acquiring a dwelling in San Diego, you’ll have to have to element in more costs like property taxes, home coverage, and likely property owner association fees when calculating your funds. John Varon | Redfin Partner Agent, Avaron Realty 

3. Find out about unique San Diego neighborhoods

When considering obtaining your initially dwelling in SD, I suggest customers to get started by chatting to a nearby realtor to get a feeling of which San Diego community may be a excellent healthy. You will supplement that with online research to get a superior feeling of just about every area and how substantially you can expect to spend monthly. – Patrick Cohen | Redfin Lover Agent, Coldwell Banker Realty

4. Make certain you have sufficient savings 

Make certain you have plenty of savings in your bank account for a down payment and closing expense as well as reserves.Joe Nichols | Redfin Husband or wife Agent, Berkshire Hathaway HomeServices California Attributes

saving for a mortgage

5. Take into account talking with various lenders

Talking to distinct loan providers when shopping for a residence makes it possible for homebuyers to examine distinctive personal loan solutions and desire charges. Each individual loan provider may possibly offer you different fees, expenses, and conditions, so it’s essential to shop about to uncover the greatest deal. Distinctive loan providers could focus in distinctive types of financial loans, these as FHA financial loans, VA loans, or jumbo financial loans. Each loan company may have distinctive qualification necessities, this sort of as credit rating rating, cash flow, and financial debt-to-cash flow ratio. By conversing to multiple loan companies, homebuyers can locate the lender that ideal suits their distinctive condition and loan demands. – Sez Sezer | Redfin Lover Agent, Douglas Elliman Authentic Estate

6. Be prepared to navigate by high charges and significant curiosity costs

In some regions, we’ve viewed price ranges dip a little little bit and some of the attributes are remaining on the sector for a more time time period of time. This can be a wonderful possibility to talk to the vendor for purchaser credits to shut and use individuals credits to purchase down their fascination fee, in turn lowering their month-to-month payments. Buying down a superior curiosity charge is a great way to get the regular payment down to a variety that is more cost-effective for initial-time buyers. If the level purchase down places the fascination level 1.5% reduce than without the need of the buydown, it can make a big difference in your month-to-month payment. – Steve Cazel | Redfin Partner Agent, AARE

7. Get a house inspection

For people buying a property in San Diego, I generally advocate a property inspection. If possible by a certified contractor with inspection certifications, such as CREIA and/or ASHI. The state of California does not license property inspectors so currently being a member of 1 of these businesses that require sure specifications, assists give the customer some further requirements in picking a dwelling inspector. Investing the hundreds of pounds on the property inspections can help you save thousands of pounds for the homebuyer. – Virginia Edwards | Redfin Companion Agent, AARE

8. Obtain your desire staff of San Diego experts

As a 1st-time homebuyer, there’s absolutely nothing more essential than acquiring your “team“ in buy upfront. This signifies locating a realtor and a financial loan officer to have in your corner to walk you by the process from start off to end and to appear out for your finest interest. Some agents, like myself, will have a in depth session with every client to assess their wants, demands, and timeline to get the whole photo of their condition. This permits us to support homebuyers in the most powerful way achievable. – Jon Fields | Redfin Associate Agent, Keller Williams San Diego

Working with a Redfin agent

9. Really do not check out to in shape a sq. peg into a round gap

Don’t settle and be affected individual for the reason that acquiring the proper dwelling is so crucial. Attempt not to enter each property scrambling for a way to make it suit, continue to keep strolling right until the magic commences to come about. When the correct home arrives, you will know it and sense it. Carol LaRosh | Redfin Companion Agent, Compass

10. The San Diego market place is competitive, be persistent 

The San Diego housing sector is tricky for initial-time homebuyers correct now with purchaser competitors, large rates and climbing fees, but there is still a lot of chance that potential buyers can capitalize on. In marketplaces like these specially, it is vital to act immediately and be prepared forward of time on the lending facet of matters. Emphasis on some thing you can see your self in for the subsequent 2-7 decades in an location that will enjoy the very best of what your city has to give. – Sara Swikard | Redfin Companion Agent, eXp Realty

11. Don’t forget, your initial dwelling may not be your permanently household

Bear in mind that your initially household does not have to be your without end property, but somewhat a stepping stone to start off constructing equity and get your foot in the door. Investing in genuine estate is a extended video game, so the faster you start the much better off you’ll be in the extensive operate. Also, maintain in thoughts that stock is constrained right here in San Diego. With households selling promptly, it is critical to be decisive and have your would like/wants record prepared to go after you begin residence hunting. – Mark Seaberg | Redfin Spouse Agent, Large Block Realty

Beige colored stucco home with green shutters

12. Be prepared to compromise

Getting a property in San Diego can be quite aggressive. Be realistic and be completely ready to make some compromises. When it comes time to make an supply on a household you like, speak with your Realtor about provide methods that are functioning in the present current market. It is not usually about the rate of the household that will get the recognized offer you. A very good Realtor will have working experience in diverse markets and a superior crew of supporting gurus to make guaranteed you are profitable. – Kevin Endres | Redfin Companion Agent, Authentic Broker LLC

13. Just take advantage of the positives in the market

I know the dialogue craze in the genuine estate market currently is targeted on better premiums, but there is a constructive side. Consumers are observing considerably less opposition (for the most portion), are in a position to negotiate a lot more repairs and credits, and if you strategy ahead, you can refinance later down the highway. – Jeanne Liebel | Redfin Partner Agent, Genuine Broker LLC

14. Don’t forget that refinancing is often an option 

It is best to stay targeted on property possession even when charges have elevated. If you can qualify for a house possession in San Diego then you’re golden. You can normally refinance when prices fall and love not dealing in remarkably competitive prospective buyers markets while hunting for your property order (as we had been in 2021.) It is pretty much always superior to very own than rent specially with rental fees becoming so significant currently. – Franchesca Meram | Redfin Partner Agent, Avenu Realty Group

15. Fully grasp the current state of the San Diego market 

As a 1st-time homebuyer in San Diego, it is critical to be aware of the existing current market conditions, which are characterized by higher demand and very low inventory. It is also significant to be flexible and ready to act swiftly when a fascinating residence gets obtainable. With the suitable tactic and guidance, nevertheless, it is nevertheless feasible to find your desire home in San Diego’s competitive market. – Alex Sidransky | Redfin Associate Agent, Berkshire Hathaway HomeServices California Properties


Lover Agents get the job done for regular brokerages, but have teamed up with Redfin to assist customers purchase or provide a dwelling. Prospects are related with husband or wife agents when Redfin Brokers are encountering exceptionally high client demand or if a home is outdoors our immediate services location