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Buying a San Diego Home With an ADU: Does the Rent Count?
Buying a San Diego home with an ADU? Here is when ADU rental income actually counts toward qualifying income, and the loan types where it counts for nothing.
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Gift Funds vs. a Family Loan for a Down Payment in San Diego
Gift funds vs. a family loan for a San Diego down payment: how lenders treat each, the September 2026 AFR at 5.12%, and the $19,000 annual exclusion.
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Contingency Removal in California: Nothing Expires on Its Own
The 17- and 21-day dates in the California RPA are not expiration dates. Contingencies stay alive until somebody papers them. Here is what that means for San Diego listing agents in a week when rates just hit a one-year high.
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Escrow at Refinance in San Diego: Why You Fund It Twice
Your escrow balance does not transfer to the new loan. It gets refunded separately while you fund a brand-new account at closing – and in a 6.95% rate week, that timing gap is what strains a refinance.
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Mortgage Rate Locks in San Diego: What a Lock Actually Protects
A mortgage rate lock in San Diego holds your rate for a set number of days – but not through a changed file or a blown closing date. Here is what it covers.
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Step-Up in Basis on Inherited San Diego Property
Step-up in basis on inherited San Diego property – why California community property gets a full double step-up, and where financing enters the conversation.
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Trust Sale vs. Probate Sale: What San Diego Agents Miss
Trust sale and probate sale are not the same listing. One closes in 30 days; the other can add 45 and hand your buyer’s deal to a stranger in open court.
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Refinancing After Divorce in San Diego: The Quitclaim Trap
A quitclaim deed does not remove you from the mortgage. Here is how refinancing after a divorce in San Diego actually releases the liability — and when it is not worth doing.
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Student Loans and Buying a House in San Diego: How Your Payment Actually Gets Counted
A $0 student loan payment does not mean $0 student loan debt on a mortgage application. With SAVE gone and the new RAP plan live, here is how each loan program counts your student loans against your San Diego purchase.
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HELOC Subordination in San Diego: The Step That Quietly Stalls Refinances
If you have a HELOC and you are refinancing your first mortgage, a third party you are not paying gets a vote on your closing date. Here is how HELOC subordination actually works in San Diego, what it costs, and how to keep it from blowing your rate lock.