Since May, Zillow has been predicting virtually no annual appreciation locally. Living in Flat City mostly affects those who have purchased recently – it’s tougher to move and/or refinance if the down payment was 20% or less. If you just want to lower your existing rate, ask your lender about a streamline refinance. Those don’t require an appraisal.

Carlsbad NW 92008

Carlsbad SE – 92009

Carlsbad NE – 92010

Carlsbad SW – 92011

Carmel Valley – 92130

Del Mar – 92014

Encinitas – 92024

La Jolla – 92037

Rancho Santa Fe – 92067