Field Notes

The homework we've already done for you.

Video, market notes, buyer and seller playbooks, mortgage planning, and neighborhood field reports from the GreenHouse Group. San Diego first. Always independent.

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1,054 posts in the archive
Market Updates

San Diego Home Prices Haven't Crashed. Here's Where the Correction Is Hiding.

San Diego home values are flat, yet most sales now include a seller concession. Why the correction is showing up in negotiations, not prices.

Jesse IbanezOctober 19, 20264 min read
Market Updates

Summer 2026 Recap: The San Diego Market Isn't Dead. It's Picky.

San Diego's summer 2026 market in one sentence: well-priced, well-prepped homes still sell in days, and the rest sit. Here's what changed.

Jesse IbanezOctober 19, 20263 min read
Seller Strategy

What to Fix Before You Sell (and What to Skip): The Minimum Effective Dose Strategy

Don't remodel before you sell. How we used the 'minimum effective dose' strategy on an Oceanside home, plus the costly prep mistake most sellers make.

Jesse IbanezOctober 19, 20263 min read
Buyer Strategy

The True Cost of Buying a Home in San Diego: It's a Payment Problem, Not a Price Problem

Buying in San Diego? Look past the list price: mortgage payments, insurance, the FAIR Plan, and the 4 piles of cash every buyer forgets.

Jesse IbanezOctober 19, 20263 min read
Mortgage Planning

Can a Non-Veteran Assume a VA Loan? The Low-Rate Opportunity Most Buyers Miss

Yes, non-veterans can assume a VA loan, and inherit the seller's low rate. How VA assumptions work, how entitlement is affected, and who it's right for.

Jesse IbanezOctober 19, 20263 min read
Homeowner Advice

Bought a Home in California Since 2017? What to Know About the Proposed $120M Homebuyer Settlement

A proposed $120 million homebuyer antitrust settlement involving NAR may affect people who bought homes in California since 2017. Here's what we know.

Jesse IbanezOctober 19, 20262 min read
Mortgage Planning

Fannie Mae & Freddie Mac's New Condo Rules: What Changed for San Diego Condo Buyers

New Fannie Mae and Freddie Mac condo project review guidelines took effect August 3. What changed, why it's less dramatic than it sounds, and what buyers should do.

Jesse IbanezOctober 19, 20262 min read
Homeowner Advice

San Diego Homeowner's Fall Prep Guide: Heat, Power Shutoffs and El Niño Storms

Heat warnings, SDG&E power shutoffs and an El Niño emergency in one season. How San Diego homeowners can prep, including where to get free sandbags.

Jesse IbanezOctober 19, 20263 min read
Buyer Strategy

10 Questions to Ask at Every Home Inspection

Buying a home? Don't leave the inspection without asking these 10 questions about the roof, systems, red flags, repair priorities and costs.

Jesse IbanezOctober 19, 20263 min read
Buyer Strategy

Does a Bigger Down Payment Actually Win the Deal? What Sellers Really Look For

A big down payment helps, but it rarely wins a competitive offer on its own. What San Diego sellers actually weigh, and how to make your offer stand out.

Jesse IbanezOctober 19, 20262 min read
Seller Strategy

The Biggest Red Flag in a Real Estate Deal (and What Happens When a Buyer Switches Lenders Mid-Escrow)

A perfect offer on paper can still fall apart. A real San Diego escrow story, the warning signs sellers should watch for, and how to protect yourself.

Jesse IbanezOctober 19, 20262 min read
Market Updates

How to Read Housing Market Headlines Without Panicking

'Inventory up 60%!' 'Crash coming!' How to make sense of housing stats, why the headline crash may never come, and why local data beats algorithms.

Jesse IbanezOctober 19, 20262 min read
Buyer Strategy

Don't Go It Alone: A First-Time Buyer's Guide to the 30 Days After You're Under Contract

Once you're under contract, the clock starts. What first-time buyers need to know about earnest money, escrow and mortgage mechanics, and how to pick the right team.

Jesse IbanezOctober 19, 20263 min read
Market Updates

February 2026 San Diego Market Update: Headlines Look Back. Demand Never Left.

February 2026 San Diego market update: why price-drop headlines are a rearview mirror, what high local inflation says about demand, and what it means for buyers and sellers.

Jesse IbanezOctober 19, 20262 min read
Homeowner Advice

Refinanced Recently? Your Home Might Be Sitting Outside Your Trust

Lenders sometimes require you to take your home out of your living trust to refinance. If it never goes back in, you could lose the protection you set up. Here's how to check.

Jesse IbanezOctober 19, 20263 min read
Seller Strategy

Waiting to Break Even From 2022? The Math Most Sellers Miss

If your home's value dropped 10%, you need an 11.1% gain to get back to even, not 10%. Why waiting for the 2022 peak can cost San Diego sellers more than it saves.

Jesse IbanezOctober 19, 20262 min read
Neighborhood Notes

Off-Grid Living in San Diego County: What to Know Before You Buy Land With a Well, Septic and Solar

Twenty minutes from the city, you can own acreage with solar, a well and septic. What buyers need to know about financing, inspections, fire risk and insurance for rural San Diego property.

Jesse IbanezOctober 19, 20263 min read
Buyer Strategy

10 Things Buyers Forget to Check During a Showing

Before you fall in love with the listing photos, check these 10 things during a home showing: smells, water pressure, noise, light, phone signal and more.

Jesse IbanezOctober 19, 20263 min read
Homeowner Advice

San Diego Evacuation Checklist: What to Grab in 5 Minutes vs. an Hour

When disaster strikes, every second counts. A two-tier evacuation checklist for San Diego homeowners: what to grab in minutes, what to take with more time, and one insurance tip to do today.

Jesse IbanezOctober 19, 20262 min read
Market Updates

We Called It 'The Great Confluence' in March. Here's What Actually Happened.

In March 2026 we predicted pent-up demand would burst when rates behaved. Here's how the San Diego market actually played out, and what we learned.

Jesse IbanezOctober 19, 20263 min read
Seller Strategy

Is Your Home on the Market, or Is It a Museum?

Showings, traffic, compliments, but no offers? Your listing may be a museum. Why price and presentation on day one decide whether your San Diego home sells.

Jesse IbanezOctober 19, 20262 min read
Seller Strategy

Leaving California for Texas, Arizona or Nevada? Do the Full Tax Math First

California's property taxes rank around 32nd nationally thanks to Prop 13. Before you move to Texas, Arizona or Nevada, compare the full picture: property, income and sales tax plus cost of living.

Jesse IbanezOctober 19, 20263 min read

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