
Myth vs. Reality: Does the Fed Control Mortgage Rates?
You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines,
Randy Libman is a dedicated San Diego real estate agent with 30 years of sales experience, serving clients across the region. He stays updated on real estate trends to provide informed guidance and loves sharing his knowledge. Randy’s exceptional negotiating skills have earned him numerous awards, including winning a car. Actively involved in his community, he serves on HOA boards and committees, helping to maintain property values. As a member of the National Association of Realtors®, Randy is a trusted source of knowledge, particularly for properties with HOAs. Outside work, Randy enjoys outdoor activities and traveling—he lived in England for over 5 years. Passionate about helping others, Randy is committed to achieving the best outcomes for his clients, whether buying or selling homes. Randy has is certification to work with Seniors SRES® and has his certification to work with buyers ABR®. Being certified means a higher education and understanding of how to best help people meet their needs.

You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines,

For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel

For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel

Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively

Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will. A recent survey from Clever found 58% of Gen Z buyers are actually rooting for
When you picture buying your first home, chances are you’re imagining a traditional single-family house with its own yard, maybe a garage, and little extra room to grow. But with affordability still tight, getting everything…
What’s the biggest payment you make every month? If you’re a renter, it’s probably your rent. But did you know that you can pay your rent on time, every time, for years, and it may…
What’s the biggest payment you make every month? If you’re a renter, it’s probably your rent. But did you know that you can pay your rent on time, every time, for years, and it may…
If you’ve seen headlines saying home sales are slowing down, you may be wondering: is this really a good time to sell? While the latest numbers show sales picked up slightly in September, they’re still…
If you’ve seen headlines saying home sales are slowing down, you may be wondering: is this really a good time to sell? While the latest numbers show sales picked up slightly in September, they’re still…
Mortgage rates being back above 7% isn’t exactly the news most people wanted. But it’s changing the market in ways that matter whether you’re buying or selling. The number of homes for sale is growing…
Mortgage rates being back above 7% isn’t exactly the news most people wanted. But it’s changing the market in ways that matter whether you’re buying or selling. The number of homes for sale is growing…
With everything going on, it’s understandable if you’re wondering if you’d regret buying right now. Everyday expenses cost more. Mortgage rates are higher than you’d like. And when the economy feels uncertain, taking on a…
With everything going on, it’s understandable if you’re wondering if you’d regret buying right now. Everyday expenses cost more. Mortgage rates are higher than you’d like. And when the economy feels uncertain, taking on a…
You’ve spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it’s natural to…
You’ve spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it’s natural to…
You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines,…
You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines,…
For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel…
For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel…
Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively…
Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively…
Half the buyers out there are scared home prices are about to crash. The other half are hoping they will. A recent survey from Clever found 58% of Gen Z buyers are actually rooting for…
Half the buyers out there are scared home prices are about to crash. The other half are hoping they will. A recent survey from Clever found 58% of Gen Z buyers are actually rooting for…
You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that’s left you reluctant to buy a home, here’s what you need to remember… That’s…
You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that’s left you reluctant to buy a home, here’s what you need to remember… That’s…
Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on. Sellers tend to worry a cut means walking away with less than they…
Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on. Sellers tend to worry a cut means walking away with less than they…
Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell. Which type you’re in changes…
Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell. Which type you’re in changes…
If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit…
If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit…
Selling your house this fall is absolutely doable. But there’s something you need to know about this time of year. Buyer activity typically starts to slow while the number of homes for sale climb –…
Selling your house this fall is absolutely doable. But there’s something you need to know about this time of year. Buyer activity typically starts to slow while the number of homes for sale climb –…
Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect. Yes, mortgage rates have been ticking up lately…
Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect. Yes, mortgage rates have been ticking up lately…
Summer’s winding down, and if you’ve been thinking about selling, you might be wondering if you missed your chance. Better to wait until next year or even next spring, right? Not so fast. About one…
Summer’s winding down, and if you’ve been thinking about selling, you might be wondering if you missed your chance. Better to wait until next year or even next spring, right? Not so fast. About one…
Data centers probably weren’t on your list of things to think about when buying or selling a home. School districts? Sure. How close you are to family? Absolutely. A large building full of computer servers…
Data centers probably weren’t on your list of things to think about when buying or selling a home. School districts? Sure. How close you are to family? Absolutely. A large building full of computer servers…
Ask a couple people how the housing market is doing and you’ll probably get a couple different answers. That’s because right now, the market runs on 2 very different tracks, split by price point. Knowing…
Ask a couple people how the housing market is doing and you’ll probably get a couple different answers. That’s because right now, the market runs on 2 very different tracks, split by price point. Knowing…
For most first-time buyers, the hardest part of buying a home is making the numbers work. You budget, you save, and the finish line still feels far away. But your salary is only half the…
For most first-time buyers, the hardest part of buying a home is making the numbers work. You budget, you save, and the finish line still feels far away. But your salary is only half the…
You’ve been waiting for something to change before you buy. It just might not be the thing you expected… While everyone’s paying attention to mortgage rates, only the savviest buyers know that the changing season…
You’ve been waiting for something to change before you buy. It just might not be the thing you expected… While everyone’s paying attention to mortgage rates, only the savviest buyers know that the changing season…
Most people think a newly built home costs more than an existing one. But right now, that’s actually backwards. Newly built homes are more affordable than existing ones in a lot of markets. And that’s…
Most people think a newly built home costs more than an existing one. But right now, that’s actually backwards. Newly built homes are more affordable than existing ones in a lot of markets. And that’s…
You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier. And honestly? A lot…
You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier. And honestly? A lot…
You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking. With today’s home prices and mortgage rates, renting can feel…
There’s one decision you’re going to make when you sell that determines whether your house sells quickly, or it sits. Whether buyers make an offer, or scroll past it. Whether you walk away with the…
You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking. With today’s home prices and mortgage rates, renting can feel…
There’s one decision you’re going to make when you sell that determines whether your house sells quickly, or it sits. Whether buyers make an offer, or scroll past it. Whether you walk away with the…
Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home. Maybe you’ve caught the buzz and wondered whether that money could get you into a…