Helping Costa Mesa neighbors buy and sell with confidence.

Plan for lender and escrow closing costs, inspections, homeowners insurance, moving expenses, and a cushion for repairs. If the home has an HOA, include dues and any known assessments in your monthly budget. Ask your lender for a personalized loan estimate, and remember that a supplemental property tax bill may arrive after closing.

A purchase can trigger a new assessment based on the property's value at the change of ownership. The supplemental bill covers the difference between the prior assessed value and the new one for the applicable part of the tax year. It is separate from the regular property tax bill and can arrive months after closing. See the Orange County Treasurer-Tax Collector's explanation.

California generally requires a written buyer representation agreement when you work with an agent as a buyer. Before signing, review the services, duration, cancellation terms, and how compensation is handled. You can still visit an open house without already having your own agent. Learn more from the California Association of REALTORS®.

Yes. Some loan programs allow a smaller down payment, though the payment, mortgage insurance, and eligibility rules vary. California's CalHFA programs may help eligible buyers. A lender can compare the total monthly cost and cash needed to close for your situation.

Look beyond the unit itself. Review the HOA budget and reserves, dues, insurance, meeting minutes, pending assessments, parking, rental rules, and any renovation restrictions. Ask what the HOA maintains and what you would be responsible for. These details can change both your monthly costs and how you use the home.

It depends on how much of your current home's equity you need, whether you can carry two homes, and how much timing flexibility you have. Selling first gives you a clearer budget; buying first may make the move easier but can require more financing. We can map out both timelines before you commit.

Start with repairs buyers will notice or an inspector may flag: leaks, broken fixtures, damaged surfaces, and unfinished work. Then consider cleaning, paint, lighting, and landscaping. I would compare the cost of each improvement with nearby competing listings before recommending larger projects.

Think about your actual week: commute routes, parking, noise, nearby businesses, outdoor space, and the types of homes on each block. Visit at different times of day and check the specific property's condition and rules. Two homes with similar prices can offer very different daily lives.

Erin focuses on Costa Mesa and the greater Orange County area, working with both buyers and sellers.