T.J. Zane - Realtor

09/09/2026

San Diego Buyers Get Timing Guidance
As a REALTOR® with Halcyon Real Estate Services, I often hear from first-time buyers in San Diego who are trying to figure out the best time to enter the market, especially with borrowing costs still hovering around 7% for a 30-year fixed mortgage at the start of mid-Q3 2026. The truth is, trying to time the market perfectly is rarely successful—especially when balancing today’s rates with the possibility of more competition and rising prices if rates drop later. My advice: if you find a home that fits your budget and feels right, consider moving forward. You always have the option to refinance should rates improve in the future. However, if purchasing now would stretch your savings or add unnecessary stress, it’s perfectly reasonable to continue renting until your finances feel more secure. My approach is always to keep you informed with the most current market insights, so you can make confident decisions that truly support your long-term goals.

09/08/2026

California's cheapest place to live in 2026 is a quaint alpine city less than 3 hours from L.A., where median home prices are just $325,000
Curious about affordable living options in California? Porterville stands out as the state’s most budget-friendly city to call home in 2026, with a median price of just $325,000 and rents averaging $1,358. That’s a full 12% below the state’s average cost of living—remarkable for a picturesque alpine city less than three hours from L.A. In my experience working with buyers and sellers across California, I’ve seen firsthand how cities like Porterville, Fresno, Bakersfield, and Sacramento offer genuine value without sacrificing lifestyle. If you’re looking for guidance in navigating these opportunities or simply want the latest, most accurate market insights, I’m here to ensure you’re always a step ahead in your real estate journey.
https://www.roomvu.com/agent-news/tj-zane/1936390-California%27s-cheapest-place-to-live-in-2026-is-a-quaint-alpi

09/04/2026

California Rules Discourage Condo Construction

09/02/2026

San Diego Buyers Find off-Market Paths

09/01/2026

California’s Housing Progress: Understanding Paths to Growth
Did you know only 6% of California cities are hitting their affordable housing goals? 🏘️ Despite new laws, the state is building nowhere near what’s needed. Why is progress so slow? Tap to find out what's holding us back! 🏗️🤔
https://www.roomvu.com/agent-news/tj-zane/1903262-California%E2%80%99s-Housing-Progress%3A-Understanding-Paths-to-Growth

08/31/2026

California Homeownership Doesn’t Tip Until 47

08/28/2026

USA: Why 2026 Forecasts Are All Over the Map
Forecasting the US housing market for 2026 is anything but straightforward right now. Some economists are predicting home prices to rise by about 4% this year, while others—like a major real estate portal—expect closer to 1% nationwide growth. This difference is more than just numbers: with consumer inflation hovering around 4% in mid-Q2, stronger home price gains could help homeowners maintain value, while weaker growth means your purchasing power might not keep up.

What’s behind the moderation in price gains? Buyers are feeling the pinch, more homes are coming on the market, new construction is ramping up, and fewer investors are jumping in as borrowing costs remain high and rents are projected to drop by about 1%. Mortgage costs remain the biggest factor—30-year fixed rates averaged in the mid-6% range in early Q3, and many experts expect them to stay in the low-to-mid-6% through 2026.

For first-time buyers, there’s no one-size-fits-all answer: deciding whether to wait for lower rates and potential price changes, or to buy now and consider refinancing later, is a highly personal choice. As a REALTOR® with Halcyon Real Estate Services, I make it my priority to keep buyers and sellers informed in this ever-shifting landscape, so you can make decisions that truly fit your goals and needs.

08/26/2026

San Diego Buyers Shop Homes Before They List
San Diego’s real estate market is always evolving, and there’s a new tool on the scene that’s opening doors for buyers—literally. It now lets you search for homes by address, even before they officially hit the market, and join a waitlist for properties that haven’t been listed yet. As a REALTOR® with Halcyon Real Estate Services, I’m always looking for ways to bring my clients more possibilities, and this platform is a welcome addition for anyone trying to get a step ahead in a competitive environment.

For young families or median-income buyers, this approach could expand your options for finding family-sized homes in your preferred neighborhoods, especially if you’re able to be flexible on timing. Recent data shows 24 homes were waitlisted across nine ZIP codes, with Clairemont, Bay Ho, and Bay Park seeing strong interest, and North Park beginning to emerge as well. It’s a creative solution for buyers—including military households—who want more time and more choice, though, of course, there’s no guarantee a home will be listed or match the $1.2M median price point.

This is exactly the kind of up-to-date information I prioritize for my clients, ensuring you have every possible advantage when navigating your next move in San Diego. If you’re thinking about your options, I’m here to help you stay informed every step of the way.

08/26/2026

Smart Real Estate Investments for Long-Term Wealth
Expert insights, market analysis, and tailored strategies to help you find profitable real estate opportunities.

Expert insights, market analysis, and tailored strategies to help you find profitable real estate opportunities.

08/25/2026

United States: Affordability Improves in 2026