Find out when you can ask your lender to cancel PMI, and when it must end automatically by law. Estimate only — not a guarantee of your lender's exact cancellation date.
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California's base transfer tax is only 0.11%, or $995 on a $904,640 median home, but city add-ons and a huge price base push closing costs to $18,093 and up.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.