See What Your California Numbers Support
Program and regulatory figures verified September 17, 2026. Details change; confirm your scenario with us.
Tell us the two houses and roughly when you would sell. We will tell you which structure works and what the payment actually becomes.
What to have ready
- Roughly what your current California home is worth and what you still owe.
- The price range you are shopping.
- Whether you are age 55 or older, since that determines whether Proposition 19 is in play.
- Your timeline, and whether you would consider renting the departing home.
Approximate figures are fine. They are enough to point you in the right direction.
What happens next
Our team reaches out shortly. We run the two-payment test, model the payment on the new home both ways if a base year value transfer is possible, and look at rental income if that is the stronger route. You get a straight answer, including when that answer is to sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which structure fits and what the payment becomes.
Your real estate agent handles the purchase itself and your county assessor decides your assessment. We handle the financing: what you qualify for, how the equity gets used, and what the payment looks like once the dust settles.
Frequently asked questions
What do you need from me on a first call?
Approximate value and balance on your current California home, the price range you are shopping, your age bracket for Proposition 19 purposes, and your timeline. Nothing needs to be precise to get a useful direction.
Will you model the property tax properly?
Yes, and in California that matters more than almost anywhere. If a base year value transfer is possible we model the payment both ways, because the difference commonly decides whether a file qualifies.
How quickly will someone respond?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Proposition 19 eligibility, assessment practice, and landlord-tenant rules change and depend on your facts; your county assessor, your CPA or a California attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.