Important news hit this morning, and it directly impacts the Rancho Santa Fe real estate market, North County San Diego luxury real estate, and our most sought-after coastal communities.
Mortgage rates have dropped to 5.99%, the lowest level we’ve seen since September 2022. While this is an encouraging shift, it’s important to remember that rate dips like this are often temporary. Rates move quickly, and opportunities can narrow just as fast as they appear.
Why This Matters in Rancho Santa Fe & Coastal San Diego
In high-value markets such as Rancho Santa Fe, Del Mar, La Jolla, Encinitas, Solana Beach, Cardiff, and Carlsbad, even modest changes in interest rates can have a meaningful impact on affordability and buyer behavior.
For buyers, a sub-6% rate can increase purchasing power and reduce monthly payments—an especially meaningful shift in the Rancho Santa Fe luxury real estate market. For sellers, lower rates historically bring renewed buyer activity, stronger showing traffic, and increased urgency for well-priced, well-presented homes.
Homeowners who purchased since late 2022 may also find this an ideal time to explore refinancing options that could meaningfully reduce monthly expenses.
Strategy Matters More Than Ever
This market continues to reward thoughtful strategy. Buyers are more selective, and sellers who price accurately and present their homes well are seeing success. As one of the top real estate teams in Rancho Santa Fe, our role is to guide clients through moments like this with clarity, insight, and precision.
Trusted Local Lending Partners
To navigate this shifting rate environment, we work closely with two highly respected local lenders—Ken Moran and Mark Robertson. Both are deeply experienced in luxury and coastal real estate financing and can advise on current rates, refinancing strategies, and creative options such as rate buydowns when appropriate.
Ken Moran
President | Cabrillo Mortgage / Golden Coast Funding
Direct: (760) 521-8527 | eFax: (858) 724-1485
Email: [email protected]
NMLS #292033
16909 Via de Santa Fe, Suite 202
Rancho Santa Fe, CA 92067
Mark Robertson
Neo Home Loans
662 Encinitas Blvd, Suite 201
Encinitas, CA 92024
Direct: (858) 401-9353
Website: https://www.markrobertson.mortgage/
Having the right lending guidance is critical—especially when timing, structure, and long-term planning matter as much as the rate itself.
The Bottom Line
This rate drop presents a meaningful opportunity—but only for those who act thoughtfully and stay informed. Whether you’re considering buying, selling, or refinancing, now is the time to reassess your strategy and understand what’s possible.
If you’d like to discuss how today’s market impacts your goals—or if you’re looking for a Rancho Santa Fe real estate agent, Rancho Santa Fe realtor, or guidance from a top Realtor in Rancho Santa Fe—we are always happy to help.
👉 Visit brizolisjanzen.com to schedule a private consultation or explore our current listings and market insights.
As always, real estate is local, personal, and strategic—and moments like this are when experience truly matters.
Warmly,
K. Ann Brizolis & Jennifer J. Janzen
Brizolis Janzen & Associates
