Why There is Nothing to Buy
Two-thirds of American mortgage holders pay under 4% interest. New buyers pay 6.5% or more. That gap explains why inventory is frozen and what you can do about it.
Sweden Builds Homes in Factories. That is Why They are Cheaper.
Sweden manufactures roughly 45% of its single-family homes off-site. Modular construction is starting to reach inland California and it changes the math on new builds.
The Monthly Math on Renting vs. Buying Has Flipped
Since 2022, buying a home costs roughly $400 more per month than renting nationally and thousands more in major cities. Long-term interest rates explain why. Here is how to think about your own decision.
We are Not Building Enough Homes. That is the Whole Problem.
Everyone talks about interest rates. The deeper issue, however, is that America has not built enough homes for decades. Until that changes, prices will not either.
Gen Z Is Investing Instead of Buying. Are They Right?
Gen Z is pouring money into stocks and crypto instead of saving for a down payment. It is a reasonable response to an impossible market, with tradeoffs worth understanding.
The Market Just Flipped. Here is What Buyers Can Actually Do About It.
Nearly two-thirds of home buyers in 2025 paid below listing price. For the first time in years, buyers have leverage. Here is what that means for you in Orange County.
In Switzerland, Most People Rent Forever. They are Fine With It.
Switzerland has one of the lowest homeownership rates in the developed world and it is not because people there cannot afford homes. What can California learn from that?
First-Time Buyers Have Never Had It This Hard. Here is What is Actually True.
The median age of a first-time homebuyer just hit 40. Prices are up 50% since 2020. Buying is not impossible, however, it just requires more strategy than it used to.
Millionaires Are Choosing to Rent. Here is Why That is Interesting.
The number of millionaire renters in the U.S. tripled between 2019 and 2023. People who can absolutely afford to buy are choosing not to. What do they know that the rest of us do not?
You Can Still Get a 2% Mortgage. Here is How.
Assumable mortgages are one of the best-kept secrets in real estate right now. If you find the right home, you might be able to take over a seller's 2-3% rate instead of getting a new loan at 6%+.
Should You Pay Off Your Mortgage Early?
Paying off your mortgage early sounds great. Depending on your rate and situation, it might not be the smartest move. Here is how to think through it.
Two Cities, One Border, Very Different Paths to Homeownership
San Diego and Tijuana are 20 miles apart and worlds apart on price. A growing number of Americans are buying south of the border and commuting north. What it says about California affordability.