Julian Cruz - San Diego Realtor

12/03/2025

Whether it’s at a family gathering, your company party, or catching up with friends over the holidays, the housing market always finds its way into the conversation.

Here are the top three questions on a lot of people’s minds this season, and straightforward answers to help you feel more confident about the market.

Julian "JT" Cruz - REALTOR®
1st Class Real Estate SD
[email protected]
DRE #02187743

Whether it’s at a family gathering, your company party, or catching up with friends over the holidays, the housing market always finds its way into the conversation.

11/02/2025

🏡 Open House Tomorrow Sunday 11/2!!!

Corner Unit Otay Ranch dream home ✨

✅ 3 Bed | 3 Bath | Corner Unit
☀️ Bright, private & full of natural light
🏊 Steps from pool, spa & clubhouse
🔒 Gated, pet-friendly community

📍 1284 Haglar Way #1, Chula Vista

💬 DM me “OPEN HOUSE” for details!

Julian “JT” Cruz
1st Class Real Estate SD
📱619.350.4328
DRE # 02187743

10/01/2025

A recent survey from Bank of America asked would-be homebuyers what would help them feel better about making a move, and it’s no surprise the answers have a clear theme. They want affordability to improve, specifically prices and rates Here’s the good news. While the broader economy may still feel uncertain, there are signs the housing market is showing some changes in both of those areas. Let’s break it down so you know what you’re working with.

Julian Cruz - REALTOR®
Premier Agency RE Inc.
[email protected]
DRE #02187743

A recent survey from Bank of America asked would-be homebuyers what would help them feel better about making a move, and it’s no surprise the answers have a clear theme.

09/15/2025

📉 The Fed is expected to cut rates this week… but does that mean mortgage rates will follow? 🤔

Here’s the truth: The Federal Reserve doesn’t directly set mortgage rates. Markets price in expectations before the Fed acts. That’s why mortgage rates already ticked down after weaker jobs reports last month.

👉 If the Fed makes a small cut (25 bps), it’s likely already “baked in.”
👉 A bigger cut (50 bps) could bring rates down further.
👉 Multiple cuts later this year? That’s when we may see real relief for buyers.

💡 Bottom line: Don’t just wait on the headlines—know your numbers and your options. Even a small shift in rates can impact affordability in a big way.

Thinking about buying or refinancing in San Diego? Let’s talk strategy today.

Julian Cruz - Realtor
[email protected]
Premier Agency R.E. Inc
DRE #02187743

The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean mortgage rates will drop? 

09/02/2025

If your house isn’t getting offers you’re comfortable with, you may be thinking: maybe I’ll just rent it instead.

And the truth is, a growing number of homeowners are making that choice right now. They’re called “accidental landlords.”

But here’s the thing you need to remember before you go that route, too. There’s probably a reason renting your home wasn’t the original plan.

Because renting often isn’t as easy as it sounds. Not every house makes a good rental. Plus, it comes with a lot more responsibility (and risk) than most people expect, like extra expenses, repairs, and the stress of being on call 24/7.

Make sure to carefully weigh the pros and cons before you decide what to do. For some homeowners, it may not be worth it.



Julian Cruz - Realtor
Premier Agency RE Inc
[email protected]
DRE #02187743

08/30/2025

Are you still worried about getting stuck in a bidding war? Here’s my advice: don’t let that hold you back. They’re a lot less common than they used to be.

Only about 1 in 5 homes faced multiple offers this June. That’s way lower than a few years back. Actually, it’s lower than this time last year, too.

It’s a clear sign the market is rebalancing and buyers have more power again. But how much competition has cooled still depends on your area.

If you want to know what I’m seeing in our local market, DM me.



Julian Cruz - Realtor
Premier Agency RE Inc
[email protected]
DRE #02187743

08/28/2025

Want to know the real reason you don’t need to be worried we’re building too many homes right now? This is it.

No matter what you’re seeing online about the number of new homes for sale, nationally we just don’t have the same surplus of inventory we had back in the crash of 2008. And this graph proves it.

If you combine how many homes we’ve built lately with all the existing homes for sale (those that have already been lived in by a previous owner), we’re still nowhere near crash territory.

Of course, inventory is going to vary by area. But nationally, we don’t have enough new homes to crash the market.

So, don’t believe everything you read or hear. If you need help cutting through the noise, let’s talk.



Julian Cruz - Realtor
Premier Agency RE Inc
[email protected]
DRE #02187743

08/26/2025

Should You Still Expect a Bidding War?

If concerns about bidding wars have been holding you back, it may be time to take another look. Nationally, competition is down. In some markets, it’s down significantly. And with more sellers offering concessions, buyers today have more power and flexibility than they’ve had in a long time.

Want to find out what the market looks like where you’re buying? Let’s connect.



Julian Cruz - Realtor
Premier Agency RE Inc
[email protected]
DRE #02187743

If you’re still worried about having to deal with a bidding war when you buy a home, you may be able to let some of that fear go.

08/23/2025

In June, roughly 15% of pending sales didn’t make it to closing.

Why? The reasons are going to vary. But a recent survey of agents shows a lot of the time it’s because buyers are quick to walk if the home inspection uncovers a big issue.

The good news is there’s a simple way for sellers to get ahead of that – and that’s a pre-listing inspection.

That’s an inspection you get for yourself before you list, so you can find and fix any issues before they become deal breakers for buyers.

If you're thinking about selling soon, let’s talk strategy. Because depending on your house and our market, it may make sense to spend a few hundred dollars now to spare you the headaches.



Julian Cruz - Realtor
Premier Agency RE Inc
[email protected]
DRE #02187743

08/18/2025

When you sell a house, the last thing you want is for the deal to fall apart right before closing. But according to the latest data from Redfin, that’s happening a bit more often lately. The good news is, it’s completely avoidable if you lean on an agent for insight into why that is and how to avoid it happening to you.

If you've been on the fence about buying or selling schedule a quick strategy call with me here to see if we'd be a good fit: https://calendly.com/juliancruzrealtor/30min

Julian Cruz - Realtor
[email protected]
Premier Agency RE inc.
DRE #02187746

When you sell a house, the last thing you want is for the deal to fall apart right before closing.

08/04/2025

70% of Americans think they need to put at least 10% down to buy a home and 11% aren't sure what's required at all...

If you would like more clarity or to explore your down payment options Schedule a quick strategy call with me here: https://calendly.com/d/cv3c-ndj-gq8/strategy-call

Julian Cruz - Realtor
[email protected]
Premier Agency RE, Inc.
DRE #02187743

Buying a home is exciting… until you start thinking about the down payment. That’s when the worry can set in.