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Should you sell your home before buying another in San Diego?
It depends on your financial flexibility, risk tolerance, and current market conditions. In 2025, many homeowners are choosing to sell first for clarity and leverage, but the right strategy depends on your goals. Schwarz Real Estate Group can help you weigh the options.

Option 1: Selling Before You Buy

Pros:

  • You know exactly how much equity you have for your next home
  • You can make a non-contingent offer on your new purchase
  • No pressure to carry two mortgages

Cons:

  • You may need temporary housing or a rent-back agreement
  • Limited time to shop after closing if you need to move quickly

In San Diego’s competitive neighborhoods, many sellers opt for this route to stay competitive when making their next offer.

Option 2: Buying Before You Sell

Pros:

  • You don’t have to move twice
  • You have more control over timing
  • You avoid being rushed into buying a home you don’t love

Cons:

  • You may need to qualify for two mortgages
  • Greater financial risk if your current home takes time to sell
  • You may feel pressured to accept a lower offer to close quickly

This strategy works best for sellers with ample reserves, access to bridge loans, or those moving to lower-cost areas.

What’s Happening in San Diego’s 2025 Market?

  • Inventory is rising, which means more options for buyers
  • Homes are taking longer to sell, especially if not priced strategically
  • Buyers are cautious, which can lead to longer escrow timelines

If you sell first, you can take advantage of buyers competing for your home. If you buy first, you’ll need strong financing and possibly a longer listing strategy.

How We Help Our Clients Navigate This Decision

Schwarz Real Estate Group offers: – Personalized timelines based on your goals and comfort level – Net sheet planning to estimate proceeds before listing – Access to our network of trusted lenders offering bridge loans and home equity solutions – Creative negotiation strategies (like rent-backs or delayed closings)

We’ve helped: – Families sell their Carlsbad home, lease it back for 45 days, then purchase in San Marcos – Retirees sell their San Diego home and transition into a single-level in La Mesa – Move-up buyers structure offers contingent on the sale of their current home—successfully

Questions to Ask Before Choosing a Strategy

  • Do I know how much equity I have?
  • Can I afford two mortgage payments temporarily?
  • Am I comfortable moving into a short-term rental if needed?
  • How competitive is the market where I plan to buy?
  • Do I have a strong agent who can time both sides smoothly?

If you’re unsure, we’ll help you run through the scenarios.

Let’s Talk Strategy Before You List

This isn’t a one-size-fits-all decision. Let’s review your finances, market timing, and ideal timeline so you can move forward confidently, whether that means selling first, buying first, or planning both at the same time.

Contact Schwarz Real Estate Group for a free strategy consultation.