Home - Living In California

(Cash vs Financed Deals Explained) When you find the perfect home and your offer gets accepted, it’s easy to start imagining move-in day. You start picturing where the furniture will go, maybe even planning that first backyard barbecue. But before you can pop the...

Finance

What is an Interest Rate Buydown?

Sean Eliott - April 8, 2025 0

If you’re in the market for a home, you’ve likely noticed how even small changes in mortgage interest rates can make a big difference in your monthly payment. And if you’ve been talking to a real estate agent or lender, you’ve probably heard...

Housing

Should You Buy a House During a Recession?

LC Admin - April 3, 2025 0

Buying a home is already a huge decision, kind of like deciding whether you’re ready for a puppy, a plant, or a full-blown lifestyle commitment. Now toss in a recession, and it’s no wonder people start sweating bullets over the idea of house...

Finance

How to Turn Your Tax Refund Into a House (Eventually)

LC Admin - March 29, 2025 0

It’s not quite a down payment yet… but it’s a pretty sweet head start. Ah, tax season. The magical time of year when the government gives you back your own money, and it somehow feels like a win. If you’re like many Americans, you’ve...

First Time Home Buyer

A First-Time Homebuyer’s Guide to Programs That Can Help You Get Into Your Dream Home

Sean Eliott - March 26, 2025 0

Buying your first home is one of the most exciting milestones in life, but it can also feel overwhelming. With home prices on the rise and the cost of living increasing, many first-time homebuyers worry about whether they can afford to buy a...

Housing

How to Protect Your Home If You Live in a ‘Climate Abandonment’ Zone

LC Admin - March 23, 2025 0

Welcome to the Club Nobody Wants to Join If you've recently Googled something like “Why is my home insurance 3x higher this year?” or “Can a hurricane and wildfire happen at the same time?”—you might be living in what experts call a “climate abandonment...

Housing

12 Critical Mistakes You Don’t Want to Make When Selling Your Home

Sean Eliott - March 19, 2025 0

Selling your home is a major financial and emotional decision. Whether you're upgrading, downsizing, or relocating, the process can be stressful and complex. The stakes are high, and one wrong move could cost you time, money, or even a successful sale. Unfortunately, many...

Housing

What You Need to Know About HOAs

Sean Eliott - March 17, 2025 0

Homeowners associations (HOAs) are a common feature in many neighborhoods across the country, particularly in planned communities, condominiums, and townhome developments. While some homeowners appreciate the structure and benefits an HOA provides, others find the rules and fees frustrating. Whether you’re considering buying a...

Finance

Who Pays What in Closing Costs? A No-Nonsense Guide for Buyers and Sellers

LC Admin - March 15, 2025 0

Buying or selling a home is kind of like planning a wedding—you budget for the big things, only to realize later that a hundred little costs have snuck in when you weren’t looking. As a buyer, you’re focused on the home price and down...

First Time Home Buyer

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

LC Admin - March 12, 2025 0

If you're thinking about buying or selling a home, you may have heard the terms "buyer's market" and "seller's market" thrown around. These phrases describe the state of the real estate market at any given time and can have a major impact on...

Housing

What is Days on Market, and What Does it Mean for Me?

Sean Eliott - March 11, 2025 0

When you're buying or selling a home, you’ve likely heard the term “days on market” (DOM) tossed around. But what does it really mean, and why should it matter to you? Whether you're a buyer searching for your dream home or a seller trying...

Finance

Mortgage Rates Dip to 6.76% as Spring Homebuying Season Kicks Into Gear

LC Admin - March 3, 2025 0

If you’re a prospective homebuyer, we’ve got some good news — well, relatively good news. For the sixth straight week, mortgage rates have dipped, with the average 30-year fixed rate settling at 6.76% for the week ending February 27, 2025. Is 6.76% a steal?...

Housing

Are We in a Buyer’s or Seller’s Market?

LC Admin - March 1, 2025 0

Imagine you’re ready to buy a home. You find the perfect property, but before you can even schedule a showing, it already has multiple offers well above the asking price. Alternatively, let’s say you’re selling, and after months on the market, you’ve dropped your...

Housing

What to Look for When Buying a Log Home

LC Admin - February 27, 2025 0

So, You Want to Buy a Log Home – Welcome to the Club! There’s something magical about a log home. Maybe it’s the warm, rustic charm. Maybe it’s the fantasy of sipping coffee on a porch with mist rolling over the mountains. Or maybe...

Housing

California’s Looming Home Insurance Crisis: What You Need to Know

LC Admin - February 26, 2025 0

Right now, California is facing a potential crisis that could shake the foundation of the state’s housing market. One of the state’s largest insurance providers, State Farm, is threatening to exit California due to the rising costs of insuring homes. If this happens,...

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