Joahna Flores, Realtor

Name: Joahna Flores, Realtor
Address: San Diego, CA, US
Telephone: +18585852559

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United States
San Diego, CA
Joahna Flores, Realtor

REALTOR |Mtg.Loan Officer
Navy Vet |Military Relocation Pro
Nagta-Tagalog po! Rise Realty|DRE02112794

09/24/2026

Unfortunately, not every price cut helps.👇🏻

If your San Diego home is listed at $905K and you reduce it to $899K, that can potentially put you in front of buyers who capped their search at $900K.

But if you go from $925K to $920K, I’d want to know exactly what that change is supposed to accomplish.

A price adjustment should have a purpose. It should help the home reach a new group of buyers, line up better with the competition, or respond to what the market is already telling us.

Otherwise, you’re changing the number without really changing the strategy.

That’s why I look at buyer search ranges, competing listings, recent sales, and the feedback we’re getting before recommending a reduction. 📉

If your home has been sitting and you’re considering a price change, make sure the new number actually gives you a better shot at getting it sold. Send me a DM to talk strategy. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/23/2026

Fall is here and you’re still hoping to buy this year. 🍂

If you want to be in a San Diego home before the end of the year, these are the 5 things worth getting sorted before Halloween:

1️⃣ Get fully preapproved:�Not just a quick online estimate. Have your income, assets, and debts reviewed so you know what loan amount you can realistically use when it’s time to make an offer.

2️⃣ Decide on your monthly ceiling:�Pick the payment you’re comfortable with before you start touring homes. That number can keep you from stretching yourself too far.

3️⃣ Know your real cash-to-close:�Look beyond the down payment. Ask for an estimate that includes closing costs, prepaid taxes and insurance, and how much cash you want left in savings after closing.

4️⃣ Fix anything that could slow underwriting:�Large unexplained deposits, new debt, credit changes, or missing documentation can create delays later. It’s much easier to clean those up before you’re under contract.

5️⃣ Narrow the home search asap:�Choose the San Diego County areas that fit your budget and commute so you’re not trying to compare 20 neighborhoods once the right house pops up.

Doing this now gives you a much cleaner runway into November and December.

If you’re trying to buy before year-end, I can help you line up both the mortgage side and the home search so you know what’s realistic before you start making offers. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/16/2026

This is such a green flag to me. 💚

You get preapproved for more… and still choose to stay under that number. 👇

I love that.

As a mortgage broker and real estate agent, I see this come up all the time with homebuyers in San Diego County. Just because you qualify for a certain loan amount does not mean that has to become your home-buying budget.

Sometimes the better move is choosing the mortgage payment that still leaves room for travel, savings, family plans, dinners out, and everything else you want your money to do. ✈️🍽️

There’s nothing fun about buying a beautiful home if the monthly payment makes the rest of your life feel tight.

Your preapproval tells you what you can qualify for. Your budget should tell you what you want to live with. ✨

And if you’re buying a home in San Diego or elsewhere in SoCal and trying to figure out what that number should be, I’m always happy to look at both sides with you - the mortgage and the home search. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/15/2026

This may be controversial, but…

If you’re buying your first home in San Diego County, it does not need to check every box. ✅

An older kitchen, a smaller yard, or one less bedroom than you originally pictured doesn’t automatically make it a bad first home.

I care much more about whether your mortgage payment is comfortable, whether you’ll still have savings after closing, and whether the purchase puts you in a good position for whatever you want to do next. ✨

Five years can change a lot. You’ll have paid down part of your mortgage, your income may have changed, and you may have built equity that can help with your next home purchase. 🔑

That’s why I’d rather help you buy a first home that makes sense financially than have you stretch your budget trying to get everything at once.

If you’re trying to figure out what a realistic first-home budget looks like in San Diego County or elsewhere in SoCal, I can run the mortgage numbers with you and help you narrow down the home search from there. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/11/2026

Labor Day weekend looked a lot like this. 🫶

Kids running around, family time, and an afternoon where work could take a back seat for a minute.

It’s easy to get caught up in how busy these years are, but then I hear a song like this and remember that one day, I’m probably going to miss all the noise. 🥹

Hope you’re heading into the weekend with a little time for the people you love most. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/07/2026

You may be a lot closer than you thought!

A lot of first-time buyers are surprised by how little they may need to put down. 🏡

On a $900,000 home, 20% is $180,000.

But with a loan program that allows 3% down, that’s $27,000.

Of course, your down payment isn’t the only number we look at. There are closing costs, your monthly payment, credit, income, debt, and the specific loan programs you qualify for.

But if you’ve been assuming you need $180K sitting in the bank before buying in San Diego is even worth considering, that’s a pretty important difference.

And because I handle both mortgages and real estate, I can help you figure out what your numbers look like and what they would realistically buy you here in San Diego. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/04/2026

Your weekend plans are here. 📌

Labor Day weekend is packed in San Diego, so I pulled together 5 fun options if you’re looking for something to do with the family:

1️⃣ Padres vs. Yankees + KidsFest ⚾�Sunday at Petco Park. Get there early for bounce houses, games, face painting, and more at KidsFest, then kids 14 and under can run the bases after the game.

2️⃣ Barona Powwow 🪶�Friday through Sunday in Lakeside. Three days of Native American dancing, drumming, food, arts, and handmade goods. Even better: admission and parking are free.

3️⃣ Pirates Take the Waterfront 🏴‍☠️�Saturday through Monday at the Maritime Museum. Dress the kids up like pirates for themed activities around the historic ships, plus 25% off general admission if you arrive in pirate gear.

4️⃣ Ukrainian Festival 🇺🇦�Saturday at Balboa Park from 11 AM–5 PM. Ukrainian food, live music, and dance performances make this an easy daytime stop.

5️⃣ Big SoCal Euro 🚗�Sunday from 11 AM–4 PM at Frontwave Arena in Oceanside. Hundreds of European cars, vendors, and food, with free admission for spectators.

Hope you get some good family time in this long weekend! 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/02/2026

My top picks here 👇

If you’re looking for more space, residential neighborhoods, and places where your budget can still go a little further in San Diego County, these five would be high on my list:

1️⃣ Tierrasanta�Central, peaceful, and surrounded by trails and open space. It’s also a longtime favorite among military households because of its access to several major duty stations. 🇺🇸

2️⃣ San Carlos�A great mix of single-family homes, quieter streets, and easy access to Lake Murray and Cowles Mountain.

3️⃣ Otay Ranch, Chula Vista�Newer homes, larger floor plans, parks, and master-planned communities make this one worth a serious look if space is high on your wishlist.

4️⃣ Scripps Ranch
A residential feel, plenty of green space, and a strong mix of single-family homes without feeling too far removed from central San Diego.

5️⃣ Rancho Bernardo�Established neighborhoods, lots of single-family homes, and a North County location that still gives you plenty of options below the $1.5M mark.

Of course, your commute, lifestyle, and what you want your home to look like can completely change the ranking.

Let me know in the comments, did I miss any? 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

09/01/2026

First in the family? 🏡✨

If no one in your family has bought a home in the U.S. before, there are a few things worth knowing early that can save you money and headaches later.

Ask your lender whether you qualify for any first-time buyer or down payment assistance programs, and compare more than one loan option instead of assuming you need 20% down.

If family is helping with the purchase, don’t move money around casually. Gift funds may need to be documented, and large deposits can create extra questions during underwriting.

Also, look beyond the sale price when comparing homes. Property taxes, homeowners insurance, HOA dues, and special assessments can change the monthly cost more than you might expect. 🔑

And before you make an offer, know what you’re willing to spend on inspections, repairs, and closing costs so you’re not using every dollar just to get the keys.
Being the first means there may be no family playbook to follow. That’s okay… you can build your own. 🫶

And if you want someone who can help you understand both the mortgage side and the homebuying side, I’m always happy to answer questions and help you figure out your next step. 🤗

Joahna Flores, Realtor®️, Mortgage Broker
Navy Veteran | Military Relocation Pro
Rise Realty | Tried and True Home Loans
DRE 02112794 | NMLS 2502387
[email protected] | [email protected]
858-585-2559

Address

San Diego, CA

Telephone

+18585852559

Website

https://joahnasrealestategroup.com/the-ultimate-real-estate-guide-for-buyers-sellers--investors-6007

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