Market Talk, Local Tips & What Rudy's Sharing
Market updates, buying & selling guidance, and neighborhood spotlights — plus everywhere else you can find Rudy online.
From the Blog
Straightforward, no-hype writing on the EastLake & Chula Vista market.
Mortgage Rates Through the Decades: 1971 to Today
Freddie Mac's weekly survey goes back to 1971. Here are the average, the high and the low for every decade.
Fixed Rate, Adjustable Rate and Buydowns: The Basics
How the main loan structures work, and what a temporary or permanent rate buydown means.
What One Point of Interest Rate Means for Your Monthly Payment
A simple table of monthly principal and interest for common loan sizes, from 5% to 8%.
Interest Rate, APR and Points: How to Read a Loan Estimate
Three numbers show up on every mortgage quote. Here is what each one means, with a worked example.
The 10-Year Treasury and Mortgage Rates: How They Move Together
Mortgage rates and the 10-year Treasury yield tend to rise and fall together. Here is the gap between them, year by year.
The Fed's Rate Decisions vs. Mortgage Rates: What Is the Difference?
The Federal Reserve sets one short-term rate. Mortgage rates follow a different set of forces. Here is how the two relate, with the recent decisions.
Why Your Search Filters Matter More Than You Think
Too broad and you drown in listings, too narrow and you miss the right one. Here's how to dial it in — or have Rudy do it for you.
Getting Pre-Approved: What Every Buyer Should Know Before You Start House-Hunting
Why a pre-approval letter matters more than you think — and the questions worth asking your lender before you tour a single home.
Chula Vista Housing Market: Mid-2026 Update
A quick, honest read on where things stand — no spin, just the numbers and what they mean.
5 Things to Know Before Buying in EastLake
The questions Rudy fields most from first-time and move-up buyers looking at EastLake.
Getting Your EastLake Home Ready to Sell
A practical, no-nonsense checklist for pricing, prepping, and listing — without the fluff.
Why Buyers Keep Choosing EastLake Greens
The neighborhood that started it all — and why demand for it hasn't slowed down.
Buying and Selling in EastLake at the Same Time: A Sequencing Guide
Moving up within EastLake means coordinating two transactions at once. Here are the main ways people sequence it, and the trade-offs of each.
Touring EastLake Open Houses Efficiently: What to Notice and What to Skip
A weekend of open houses can blur together. Here is how to plan a route and what to pay attention to so each visit teaches you something.
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