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Living

5 Must-Have Features for a Functional Outdoor Kitchen

Sean Eliott - 0
If you’ve ever dreamed of flipping burgers under the open sky or serving guests straight from your backyard grill, then an outdoor kitchen might be the perfect addition to your home—especially if you seek the California outdoor living lifestyle! These spaces are more...
Living

What to Know About ADUs

Sean Eliott - 0
Have you ever looked at your backyard and imagined a cozy little home tucked away in the corner? Maybe it’s for your in-laws, a rental unit for extra income, or just a quiet office retreat. If so, you're already thinking like a homeowner...
Finance

How Much House Can I Afford? DTI Ratio Unveiled

Sean Eliott - 0
You’ve spotted your dream home online—big windows, cozy porch, maybe even a kitchen island that whispers “you’ve made it.” But right before you book a showing, you pause. Can I really afford that? Enter the DTI ratio, or Debt-to-Income ratio. It’s not the most...
Finance

Mortgage Rates Drop Again — What This Means for Summer 2025

Sean Eliott - 0
Mortgage rates have taken another small step down for the second week in a row, with the average 30-year fixed rate now at 6.84%, according to Freddie Mac. While the drop isn’t dramatic, it signals a positive shift for homebuyers who’ve been waiting...
Finance

What Is a Mortgage Rate Lock and When Should You Do It?

Sean Eliott - 0
If you're in the process of buying a home or thinking about it, you've probably come across the term mortgage rate lock. But what exactly does it mean, and how do you know if it’s the right time to lock your rate in? Understanding...
Housing

Big Changes in Construction: What the Latest Spending Drop Means for Buyers, Builders, and Investors

Sean Eliott - 0
There’s been a surprising shake-up in the construction world that’s worth your attention, especially if you’re thinking about buying, building, or investing in real estate.
Finance

What’s the Difference Between Interest Rate and APR?

Sean Eliott - 0
If you’ve started shopping for a home—or even just poked around a mortgage calculator—you’ve probably come across two terms that sound suspiciously similar: interest rate and APR. While they may seem interchangeable at first glance, they’re actually very different, and understanding both could be...
Housing

The Housing Market Has Flipped: Why Buyers Now Have the Upper Hand

Sean Eliott - 0
Let me start with this: something big just shifted in the housing market. According to a brand-new report from Redfin, sellers now outnumber buyers by the widest margin on record going all the way back to 2013. That’s not just a stat—it’s a significant...
Finance

Mortgage Rates in 2025: The Harsh Reality

Sean Eliott - 0
If you’ve been sitting on the sidelines waiting for mortgage rates to finally cool off, you’re not alone. But let’s cut to the chase: mortgage rates hit 7.4% in January 2025, and while they’ve dipped slightly since, we’re still living in the 6.5%...
Housing

From the Golden State to Canada’s Ocean Playground: Why Californians Are Eyeing Nova Scotia for Their Next Chapter

Sean Eliott - 0
California has long been the stuff of dreams—golden beaches stretching endlessly along the Pacific, multicultural scenes in cities like Los Angeles and San Francisco, and tech hubs that have revolutionized how the world connects and communicates. For decades, people flocked to the Golden...
First Time Home Buyer

Pre-Qualification vs. Pre-Approval: What’s the Difference and Why It Matters

Sean Eliott - 0
Let’s face it—buying a home is a big deal, and navigating the mortgage process can feel like trying to decode a foreign language. You’ll hear terms like “pre-qualification” and “pre-approval” thrown around a lot, and while they sound similar, they serve very different...
Housing

A Big Change Could Be Coming in the Housing Industry

Sean Eliott - 0
Buying a home in today’s market feels like trying to thread a needle during an earthquake—prices are high, mortgage rates are stubborn, and competition remains fierce. It's no wonder many potential buyers, especially younger Americans, are sitting on the sidelines, waiting for things...
Housing

The Costly Mistake Home Sellers Are Making in Today’s Market

Sean Eliott - 0
Thinking about selling your home? Before you list, there’s one major mistake you’ll want to avoid—one that’s becoming more common and can seriously impact how quickly (and how profitably) your home sells. This isn’t just about bad timing or outdated kitchens. It’s something...
Housing

What is Mello-Roos? Everything You Need to Know About This California Tax

Sean Eliott - 0
If you're shopping for a home in California—especially in newer communities—there’s a good chance you’ve come across the term Mello-Roos. But what exactly does it mean? And more importantly, how does it affect your property taxes and long-term financial plan as a homeowner? Understanding...
Housing

The Lawsuit That Could Reshape Rent Prices Nationwide

Sean Eliott - 0
If you’ve been renting or just following the wild fluctuations in housing prices lately, this is one story you’ll want to keep a close eye on. A groundbreaking lawsuit is sending shockwaves through the rental industry—and at the center of it all is...
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First Time Home Buyer

New construction luxury model home exterior

How Much House Can I Afford? DTI Ratio Unveiled

Sean Eliott - 0
You’ve spotted your dream home online—big windows, cozy porch, maybe even a kitchen island that whispers “you’ve made it.” But right before you book...
pre-qualification vs pre-approval

Pre-Qualification vs. Pre-Approval: What’s the Difference and Why It Matters

Sean Eliott - 0
Let’s face it—buying a home is a big deal, and navigating the mortgage process can feel like trying to decode a foreign language. You’ll...
earnest money deposit

What Is an Earnest Money Deposit? A First-Time Homebuyer’s Guide

first time homebuyer

A First-Time Homebuyer’s Guide to Programs That Can Help You Get...

What is the Difference Between a Buyer’s Market and a Seller’s...

Don’t Get Caught in the Flames: First-time Homeowner’s Guide to Wildfires...

RECENT VIDEO

Homeowners insurance is rising fast—and it could break your budget if you’re buying in 2025. Here's what most buyers overlook (and what you should ask before making an offer). #hiddencosts #homeownersinsurance #homebuying2025 Alex Schult CA DRE License # 02236174 KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com DISCLAIMER: This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

Homeowners insurance is rising fast—and it could break your budget if you’re buying in 2025. Here's what most buyers overlook (and what you should ask before making an offer).

#hiddencosts #homeownersinsurance #homebuying2025

Alex Schult CA DRE License # 02236174 KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com

DISCLAIMER: This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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YouTube Video VVVRbjFhblZiLWZpNU9UYzdVMVR6QVZ3LnlaRkZPZGNCS01N

One Rising Cost Homeowners Can't Ignore in 2025

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