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Housing

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

Sean Eliott - 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 - 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 - 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 - 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 - 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 - 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 - 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 - 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 - 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,...
Finance

Seller Financing 101: Everything You Need to Know to Buy or Sell Without a Bank

LC Admin - 0
A Fresh Take on Seller-Financed Real Estate Deals An Alternative Route to Homeownership Picture this: you’ve been scrolling through real estate listings for months, enduring a rollercoaster of emotions—from excitement to heartbreak—only to find your dream home. You’re already envisioning backyard barbecues, cozy movie nights,...
Housing

Feeling the Squeeze: Why Homeownership is Getting More Expensive

LC Admin - 0
Owning a home has always been a major financial commitment, but today, the costs of homeownership are reaching new heights. While many discussions focus on the struggles of first-time buyers trying to break into the market, existing homeowners are also feeling the squeeze. But...
Housing

What to Look for When Choosing House Plans: Key Considerations & Mistakes to Avoid

LC Admin - 0
So, you’re thinking about building your own home. Congratulations! You’re about to embark on a thrilling, nerve-wracking, potentially wallet-draining journey. It’s like picking out a tattoo—except this one comes with property taxes and a mortgage. And unlike a tattoo, you can’t just laser...
Housing

When Buying Your First Home: Red Flags to Avoid for a Smart Investment

LC Admin - 0
Buying your first home is one of the most exciting milestones in life. The idea of having your own space, no longer throwing money away on rent, and finally being able to paint the walls whatever color you want (hello, neon green accent...
Housing

Remote Work and Its Long-Term Effects on Housing Demand

LC Admin - 0
Remember the days when "working from home" meant staying in your pajamas, pretending to be on a conference call while secretly binge-watching Netflix, and occasionally muting yourself to yell at the dog for barking at the mailman? Ah, simpler times. Well, those days...
Housing

Why Many Americans Can’t Afford a Starter Home

LC Admin - 0
In 2025, purchasing a starter home feels like an elusive dream for many Americans… With skyrocketing home prices, mounting student loan debt, and high mortgage rates, the dream of owning a home is slipping further away for some first-time buyers. And for those who...
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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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