06/12/2026
A lot can happen in 12 months. If you were sitting on the sidelines in February 2025, the math behind your future home just got a serious makeover.
We’re seeing interest rates hovering around 6.09% this month, compared to nearly 7% this time last year. On a $600k mortgage, that isn’t just “pocket change”—it’s the difference between a cramped condo and a backyard for the kids.
The breakdown:
✅ Your monthly payment dropped by over $340.
✅ Your buying power increased by nearly $60k.
✅ Same monthly budget = significantly more house.
But here is the catch: When rates drop, buyers flood the market. The “deal” you get on the interest rate might be offset by a bidding war if you wait too long.
Want to run your own numbers?
Comment “READY”
and I will help you figure out exactly how this math looks
based on today’s rates and your situation.
Jeanne Dominguez | Oceanside CA REALTOR®
Jeanne Dominguez REALTOR ®
(760) 983-2828
DRE #02078467
RE/MAX Connections San Diego County, San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, Santee, Poway, Imperial Beach, Lemon Grove, Coronado, Solana Beach, Del Mar