10/13/2026
Getting ready to buy your first home or another one in Orange County?
Average 30-year fixed rate is ~7.40% right now and sellers are still wanting top dollar.
My advice? Don’t buy at the top of your budget in this market. Don’t take the max loan. Buy below your means. Have money not only for your mortgage, but also for home insurance, property tax, HOA fees if applicable, and maintenance.
Having income left over for savings, investments, rainy day/emergencies, and *fun* matters for financial security and quality of life. Being house-rich but living poor is not something I’d advise my clients.
Equally important, hire an agent who sees big picture and cares for you as a human being with a life and expenses beyond buying a property.
Thu-Trang Tran
Cal DRE 02301570
Surterre Properties
(714) 869-4499