How Escrow Works When You Buy or Sell a Home in California
Escrow is the neutral holding period between an accepted offer and closing. Here are the steps in a typical Southern California escrow.
News & Guides
Los Angeles Real Estate News & Guides
CalHFA: California’s State Programs for First-Time Homebuyers
The California Housing Finance Agency offers first mortgages and down payment assistance through approved lenders. Here is where to find the current programs.
15-Year vs. 30-Year Mortgage: The Numbers at November 2026 Rates
At Freddie Mac's November 5 averages (7.18% and 6.57%), here is how the monthly payment and total interest compare on the same loan amount.
2026 Conforming Loan Limit in Los Angeles County: $1,249,125
LA County sits at the 2026 high-cost ceiling of $1,249,125 for a one-unit home. Loans above that are jumbo loans.
Earthquake Insurance in California: The Basics for Homeowners
Standard homeowners policies in California don't cover earthquake damage. Earthquake coverage is sold separately, including through the California Earthquake Authority.
How to Check a Home’s Fire Hazard Severity Zone in Los Angeles
The State Fire Marshal's maps show whether an address is in a Moderate, High or Very High Fire Hazard Severity Zone. Here is how to look one up.
Natural Hazard Disclosures in California: What the Report Covers
California sellers must disclose whether a property is in certain mapped hazard zones. Here is what the Natural Hazard Disclosure statement covers and where the maps come from.
California FAIR Plan Rates Rose an Average 29.1% Starting October 15, 2026
The California Department of Insurance approved a 29.1% average FAIR Plan rate increase, less than the 35.8% requested. Increases vary by location.
Mello-Roos Special Taxes: What Buyers in Newer Communities Should Know
Many newer developments, including parts of Santa Clarita and other areas, are in Community Facilities Districts that levy a Mello-Roos special tax.
Transfer Taxes When You Sell in Los Angeles: County and City Rates
LA County charges $1.10 per $1,000 of value. The City of Los Angeles adds 0.45%, plus Measure ULA above $5.4 million. Other cities set their own rates.