One of the tools I offer my clients is Homebot, a personalized home wealth report designed to help homeowners keep a better eye on one of their biggest financial assets—their home.

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When buying a home in San Diego, many buyers instinctively try to save money by offering less than the asking price. It seems logical: if a house is listed at $500,000, offering $490,000 should save you $10,000, right? But this common approach might not deliver the savings you expect, especially when you consider how mortgage payments work. In fact, offering under asking price could delay the real financial benefit for years. This post explains why offering full price with a credit from the...