How Elixir Mortgage Lending Solves Your Home-Loan Challenges in Today’s Market

The San Diego housing market is showing signs of cooling: prices have dipped about 1.2% year over year and more homes are sitting longer on the market. Allied Schools Rising mortgage rates and affordability constraints are pushing buyers and sellers into a standoff. AP News+2NBC San Diego+2

In this environment, homeowners and investors face tough decisions: refinance, hold, tap equity, or wait. At Elixir Mortgage Lending, we see these challenges as opportunities to offer creative, effective solutions. Below are key market challenges and the strategies we deploy to help clients thrive.

1. Challenge: "Locked-in" homeowners don't want to lose their low rate

Many Californians locked in rates below 4% years ago are reluctant to sell, even with higher appreciation - because new loans would come at much higher rates. CalMatters

Our Solution: Second-position & bridge loans

We offer 2nd mortgages and bridge financing that allow clients to access equity without disturbing their first mortgage. You can renovate, invest, or consolidate debt while preserving that old low rate.

2. Challenge: High rates / tighter affordability curb refinancing demand

The national 30-year mortgage rate has recently edged back up ~6.34%. AP News In San Diego, average rates have hovered near 6.5%. Norada Real Estate+1

Our Solution: Targeted cash-out refi & rate-term refi with credits

We run occasional rate promotions and lender credit offers (e.g. 0.25% credit) to offset costs and incentivize refinancing. We tailor strategies - maybe partial cash-out or shorter term - to balance risk and reward.

3. Challenge: Down payments are becoming prohibitively high

In San Diego, the median down payment recently hit $169,000, nearly triple the national median. Axios

Our Solution: Low-down, alternative financing paths

We assist with FHA / VA programs, low down payment conventional programs, and co-lending strategies so buyers don't get blocked out of the market. We also help structure assistance or gift funds compliance and eligibility.

4. Challenge: Investors looking for yield - but need flexibility

With softening prices and higher interest, investors need to maneuver carefully.

Our Solution: Bridge, rehab, hard money & DSCR loans

• Bridge / Hard Money / Rehab funding for flips, ground-up, or value-add projects

  Verify my mortgage eligibility (Oct 9th, 2025)

• DSCR (Debt Service Coverage Ratio) loans for hold rentals, where cash flow replaces strict income documentation

• No-income verification programs for clients with complex financials

5. Challenge: Housing supply is under pressure statewide

California continues to face a housing shortage, particularly in coastal markets. Wikipedia This imbalance keeps prices elevated.

Our Solution: Enabling access across property types

We make financing available for non-owner occupied, multi-family, mixed-use, and redevelopment projects, helping to open up new product types and densification.

Why Elixir Mortgage Lending Is the Expert You Need

• Local & statewide insight - we know San Diego and California trends firsthand

• Flexible underwriting - non-QM, alternative docs, credit overlays

  Verify my mortgage eligibility (Oct 9th, 2025)

• Creative solutions - second positions, bridge loans, DSCR, mixed-use programs

• Transparent process - clear updates, fast approvals, smart closing

• Proactive education - we publish regular market insights so clients stay informed

  Verify my mortgage eligibility (Oct 9th, 2025)

What You Should Do Next

1. Get a free market update from us (San Diego median, comps, trend lines)

2. Ask us to run a "what-if" scenario (refi vs. hold vs. cash-out)

3. See if you qualify for a second-position or bridge loan

   Verify my mortgage eligibility (Oct 9th, 2025)

4. Stay tuned - we'll publish a monthly "San Diego Mortgage Report" you can share with your network

📞 Call 800.558.0496 or apply now at ElixirMortgageLending.com
NMLS #1704105 | BRE #01901050