Mortgage guides
California Mortgage Guides
Guides for the situations that change how a California mortgage works — taking over a seller's loan, dividing a home in a divorce, financing an ADU, buying before you sell, and the taxes, insurance, and county limits that sit underneath every loan decision.
Current for 2026
All of these guides are current 2026 work, written and reviewed for 2026 rules; where a figure only applies to a particular year, the guide says so.
Situational guides
Assumable Mortgages in California
Which loans can be taken over, how much cash the equity gap takes, and what a VA seller must protect before agreeing.
Divorce Mortgage Buyout
The buyout calculation, the limited cash-out rule that makes keeping the home possible, and the California tax exclusion on the transfer.
ADU Financing
HELOC, cash-out, construction, and renovation paths compared — plus the rule for counting ADU rent when you qualify.
Bridge Loans for Home Buyers
Short-term financing to buy before you sell, with the rescission right, the exit risk, and Prop 19 explained.
California Property Tax and Insurance Costs
Prop 13's 1% levy and 2% cap, the supplemental bill, and insurance options when the normal market will not cover a home.
California Loan Limits by County, 2026
Conforming and FHA one-unit limits for all 58 counties, and how to classify a loan as conforming, high-balance, or jumbo.
Keep going
Mortgage loans
Every loan type, grouped by buying, refinancing, reverse mortgages, and property or income situations.
Mortgage calculators
Six calculators that show their formulas and work an example with their default numbers.
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