YouTube Video Channel

Thinking about buying a home but confused about PMI? You’re not alone! In this quick video, I break down what PMI (Private Mortgage Insurance) is, when you have to pay it, how much it costs, and how to get rid of it. Whether you're a first-time buyer or just brushing up, this info is a must-know! Don’t forget to like, subscribe, and hit the bell for more real estate tips every week. 🏡

📌 Got questions? Drop them in the comments!

Timestamps:
0:00 – What Is PMI and Why It Matters
0:47 – Breaking Down PMI in Simple Terms
1:02 – Why Lenders Require PMI
1:31 – How Much PMI Costs You
1:59 – When and How to Cancel PMI
2:27 – Saving Money
2:53 – Closing Remarks

OR... Let’s chat: Alex Schult CA DRE License # 02236174

KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com

#PrivateMortgageInsurance #PMIExplained #FirstTimeHomebuyer #MortgageInsurance

🎥 More real estate tips you’ll find helpful:

What’s a Seller Credit and How Can It Save You Thousands?
https://www.youtube.com/watch?v=_m1O6fbwtgE

Housing Prices Are Finally Dropping?! Zillow’s New Forecast EXPLAINED
https://www.youtube.com/watch?v=bE7tv2jmoz8

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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Big news from Zillow — for the first time in over a decade, they’re predicting a 2% drop in home prices by the end of 2025!
In today’s video, we're breaking down what’s driving this shift, why it's happening now, and what it means if you're planning to buy or sell a home this year.

-Are we headed toward a full-blown crash?
-Will higher mortgage rates cancel out lower home prices?
-Should you wait to buy — or strike now?

I'll give you everything you need to know in plain English, including practical advice based on the latest market research.

If you're thinking about buying, selling, or even investing in real estate in 2025 — you’re going to want to watch this.

Stick around to the end where I’ll share my personal advice for navigating this tricky (but opportunity-filled!) market.

Timestamps:
0:00 – Introduction and Market Recap
1:11 – Zillow’s April 2025 Housing Forecast Overview
2:25 – Mortgage Rate Trends and Projections
3:05 – Existing Home Sales Outlook for 2025
3:37 – Rental Market Forecast: Single-Family and Multifamily
4:14 – Key Takeaways: Pricing, Rates, and Inventory
5:00 – Closing

Let’s chat: Alex Schult CA DRE License # 02236174

KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com

👇 Drop your questions or predictions about the housing market in the comments below! I'd love to hear your thoughts.

#HousingMarket2025 #ZillowForecast #HomePrices2025 #MortgageRates2025 #realestatetrends

Liked this update? Don’t miss these other helpful home buying videos:

What’s a Seller Credit and How Can It Save You Thousands?
https://www.youtube.com/watch?v=_m1O6fbwtgE

Can the Government Take Your Land After a Disaster?
https://www.youtube.com/watch?v=dZo1WzZI-gM

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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In this week’s 2-Minute Tuesday, we’re diving into a powerful tool that buyers often overlook—Seller Credits (aka seller concessions). If the upfront costs of buying a home have you stressing out, this might be the magic trick you’ve been looking for.

💬 I’ll break down:

What a seller credit actually is
How it works in a real-world example
What it can and can’t be used for
Why it’s a win-win for both buyers and sellers

Whether you’re buying your first home or just want to keep more cash in your pocket on closing day, this is one you don’t want to miss.

Timestamps:
0:00 – Nervous About Upfront Costs?
0:08 – What Is Seller Credit (aka Seller Concession)?
0:44 – Real-World Example: $10K Credit on $800K Home
1:34 – Common Uses: Repairs, Fees, and More
2:00 – Why Sellers Offer Credits (and Limits by Loan Type)
2:48 – Save More for Furniture, Paint & More
3:00 – How to Ask Questions

Let's chat: Alex Schult
CA DRE License #02236174
KW Spectrum Properties
Call or text me at 949-726-2601

Email: aschult@kw.com

✅ Like this video if you found it helpful
📲 Subscribe for more quick real estate tips every Tuesday
💬 Questions about seller credits or buying a home? Drop them in the comments—I’ve got your back!

Liked this tip? Check out these other helpful home buying videos:

Can the Government Take Your Land After a Disaster?
https://www.youtube.com/watch?v=dZo1WzZI-gM

What is a Contingency in Real Estate? (And Why It Matters!)
https://www.youtube.com/watch?v=EOeL3oc7eLI

#SellerCredit #RealEstateTips #ClosingCost #FirstTimeHomeBuyer #HomeBuyingAdvice

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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After a wildfire, flood, or hurricane, you might think the worst is over — but for some homeowners, the real battle is just beginning. In this video, we break down eminent domain in plain language: what it is, how it works, and the sneaky ways people are forced to sell even when it’s “voluntary.”

Learn what red flags to watch for, how to protect your property rights, and why rebuilding isn’t always as simple as it sounds.

📌 Stay informed.
📌 Know your rights.
📌 Don’t let disaster take more than it already has.

Timestamps:

0:00 – Introduction & Shocking Scenario
0:56 – What Is Eminent Domain?
2:26 – Fair Market Value vs Disaster Impact
3:48 – Local Government Decisions Post-Disaster
5:46 – Hidden Pressures & Financial Barriers
6:59 – Warning Signs & Red Flags to Watch
7:49 – Can the Government Really Take Your Land?
8:34 – Conclusion & Final Advice

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

Like, subscribe, and hit the bell for more real estate insights!

If you found this video helpful, you might also enjoy these related videos:

What is a Contingency in Real Estate? (And Why It Matters!)
https://www.youtube.com/watch?v=EOeL3oc7eLI

How Long Does It REALLY Take to Close on a House?
https://www.youtube.com/watch?v=2anBUikFUT4

#eminentdomain #DisasterRecoveryRights #ForcedBuyouts #PropertyLawAfterDisaster

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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If you’re buying or selling a home, you need to know what a contingency is—and why it matters. In this quick video, I break down what contingencies are and cover the most common ones, including appraisal, financing, inspection, and home sale contingencies. Whether you're a first-time buyer or just need a refresher, this is your fast-track guide to smarter real estate decisions!

Timestamps:

0:00 – Introduction
0:54 – What Is a Contingency?
1:11 – Common Contingencies Explained
2:03 – Contingencies in Competitive Markets
2:26 – Risks of Waiving Contingencies
2:38 – Talk to a Real Estate Agent
2:48 – Conclusion

Buying or selling a home soon? Knowing what to expect can save you a ton of stress. Get more real estate tips: https://www.livingincalifornia.com As a local real estate expert with nearly 30 years in Orange County, I’ve seen it all—and I’m here to help you navigate the process with confidence. 📲 Thinking of selling in Orange County?

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

If you found this video helpful, you might also enjoy these related videos:

How Long Does It REALLY Take to Close on a House?
https://www.youtube.com/watch?v=2anBUikFUT4

How Interest Rate Buydowns Work (And Why They Could Save You Money)
https://www.youtube.com/watch?v=PEvGC6jCox8

#Contingency #realestate #HomeBuyingAdvice #firsttimehomebuyer

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.

👉 Don’t forget to like, subscribe, and drop your real estate questions in the comments!

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Wondering how long it really takes to close on a house? Whether you’re paying cash or financing with a mortgage — the timeline can be VERY different.

In this video, I break down:
– How long it takes to close with cash (and why it’s so fast)
– Typical closing timelines for financed deals
– What can delay your closing
– Tips to speed up the closing process

→ Cash closing timelines: 7-14 days (sometimes faster!)
→ Mortgage closing timelines: 30-45 days (sometimes longer!)

Timestamps:

0:00 – Introduction
0:26 – What is Closing on a House?
0:50 – Cash Deals: Timeline & Process
1:33 – Finance Deals: Timeline & Delays
2:31 – Cheat Sheet: Cash vs Finance
3:07 – Tips to Speed Up Closing
3:41 – Contact Info

Buying or selling a home soon? Knowing what to expect can save you a ton of stress. Get more real estate tips: https://www.livingincalifornia.com

As a local real estate expert with nearly 30 years in Orange County, I’ve seen it all—and I’m here to help you navigate the process with confidence. 📲 Thinking of selling in Orange County? Let’s chat: Alex Schult

CA DRE License # 02236174

KW Spectrum Properties 📲 Text: 949-726-2601

📧 Email: aschult@kw.com

If you found this video helpful, you might also enjoy these related videos:

How Interest Rate Buydowns Work (And Why They Could Save You Money)
https://www.youtube.com/watch?v=PEvGC6jCox8

Turn Your Tax Refund Into New Home
https://www.youtube.com/watch?v=IbgbLBKmm_0

#HomeClosingProcess #CashVsMortgage #RealEstateTips #ClosingTimeline

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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💰 Curious about interest rate buydowns? In this quick 2-minute video, I break down what a buydown is, how it works, and the pros and cons. Learn the difference between temporary and permanent buydowns and how they can make homeownership more affordable, too. Don’t miss this quick tip that could save you thousands! 🏡👇

Timestamps:

0:00 – Introduction
0:17 – What Is an Interest Rate Buydown?
0:50 – Example of How Buydowns Work
1:11 – Types of Buydowns (Temporary vs. Permanent)
1:46 – Pros of Buydowns
2:03 – Cons of Buydowns
2:23 – Recommendation

As a local real estate expert with nearly 30 years in Orange County, I’ve seen it all—and I’m here to help you navigate the process with confidence.

📲 Thinking of selling in Orange County? Let’s chat:

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

💬 Got questions about selling your home? Drop them in the comments—I’d love to help! ✅ Subscribe for more real estate tips, tricks, and local market insights.

If you found this video helpful, you might also enjoy these related videos:

Turn Your Tax Refund Into New Home
https://www.youtube.com/watch?v=IbgbLBKmm_0

7 WORST Custom Home Upgrades That Will Cost You BIG TIME! (Avoid These!)
https://www.youtube.com/watch?v=5LH30PdgayQ

#InterestRateBuydown #MortgageTips #HomeBuyingAdvice #RealEstate

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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Tax season is here! Instead of splurging on a new gadget or a weekend getaway, why not use your tax refund to move closer to homeownership? 🏡💰

In this video, we’ll break down smart ways to use your refund—from boosting your savings and improving your credit to covering hidden home buying-costs. Even if you’re not quite ready to buy, these steps will set you up for success when the time comes.

Your dream home might be closer than you think! Hit that like button, subscribe to the channel, and let’s start making that refund work for you! 💡🔑

As a local real estate expert with nearly 30 years in Orange County, I’ve seen it all—and I’m here to help you navigate the process with confidence. 📲 Thinking of selling in Orange County? Let’s chat: 📩 Contact me today! → Alex Schult CA DRE License # 02236174 KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com 💬 Got questions about selling your home? Drop them in the comments—I’d love to help! ✅ Subscribe for more real estate tips, tricks, and local market insights.

Timestamps:

0:00 – Introduction: Tax Refunds
0:28 – Can $3,000 Be a Down Payment?
0:52 – Step 1: Reality Check with a Mortgage Pro
1:45 – Open a High-Yield Savings Account
2:44 – Use Refund to Increase Buying Power
3:27 – Improve Finances Before Buying
4:05 – Don’t Forget Hidden Home Buying Costs
4:52 – Sample Breakdown of Unexpected Costs
5:00 – Keep a Financial Cushion
5:55 – Not Ready Yet? Start Preparing Early
6:19 – What Not to Spend Your Refund On
6:46 – Final Advice: Patience & Compound Effect
7:14 – Closing Remarks & Call to Comment
7:32 – About the Speaker: Background & Contact Info
8:06 – End of Video

#TaxRefundTips #FirstTimeHomeBuyer #HomeBuying #mortgageadvice #SmartMoney #RealEstateExpert

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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Selling your home? One wrong move could cost you TIME, MONEY… or the sale itself. 😬

In this video, I reveal the 11 biggest mistakes homeowners make when selling—and how YOU can avoid them. From overpricing and emotional decisions to bad timing and overlooked repairs, this guide is your blueprint for a faster, smoother, and more profitable sale.

👉 Whether you’re upsizing, downsizing, or relocating, don’t list your home before watching this!

Timestamps:

0:00 – Introduction
0:39 – Pricing Your Home Right
2:00 – Emotional Attachment & Objectivity
3:00 – First Impressions & Curb Appeal
4:00 – Staging & Interior Presentation
5:00 – Repairs & Pre-Listing Inspection
6:00 – Showings & Buyer Experience
7:00 – Evaluating Offers
8:00 – Timing the Market
9:00 – Final Tips & Agent Support
10:00 – Conclusion

As a local real estate expert with nearly 30 years in Orange County, I’ve seen it all—and I’m here to help you navigate the process with confidence.

📲 Thinking of selling in Orange County? Let’s chat:

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

💬 Got questions about selling your home? Drop them in the comments—I’d love to help!

✅ Subscribe for more real estate tips, tricks, and local market insights.

If you found this video helpful, you might also enjoy these related videos:

7 WORST Custom Home Upgrades That Will Cost You BIG TIME! (Avoid These!)
https://www.youtube.com/watch?v=5LH30PdgayQ

🏡 Buyer’s Market vs. Seller’s Market – What’s the Difference? 🏡
https://www.youtube.com/watch?v=JBwMouwwIDQ

#HomeSelling #RealEstateMistakes #HomeSellingStrategy #RealEstate

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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