Reservist and Guard Home Buying in San Diego: How VA Eligibility Works

San Diego Bay and Coronado Bridge aerial view

I hear this from Guard and Reserve members more than almost any other group: "I didn't think I qualified for a VA loan." Understandable — most of what's written about VA loans assumes active duty, and Guard and Reserve eligibility genuinely works a little differently. Here's the actual breakdown, straight from VA guidance, so you […]

VA Disability Rating and Your Funding Fee: What San Diego Veterans Need to Know

Veteran reviewing VA home loan paperwork with disability rating documents

Veterans receiving VA compensation for a service-connected disability rating of 10% or higher are fully exempt from the VA funding fee. The exemption must be reflected on your Certificate of Eligibility before your loan closes; if your rating is approved with a retroactive effective date after closing, you may qualify for a refund.   A […]

Selling Your San Diego Home Before a PCS: A Military Family’s Timeline

Moving boxes in San Diego home living room with sold sign

Selling a San Diego home before a PCS typically takes 45–60 days from listing to closing, and most military sellers need to start the process 90 days before their report date to leave enough buffer for showings, offer negotiation, and a clean handoff to household goods pickup. Here's exactly how to sequence it. The Realistic […]

Downsizing in San Diego: A Senior’s Guide to Selling and Moving

Single story San Diego 55+ community home exterior

California homeowners 55 and older can sell their home and transfer their current property tax base to a new primary residence anywhere in the state, up to three times, without a tax reassessment — thanks to Proposition 19. For San Diego seniors sitting on decades of appreciation, that single rule often changes the entire downsizing […]