Rancho Coastal Properties, Inc. Blog

Blog Post Hot, Normal, and Cold Markets
By Rancho Coastal Properties - Sunday, March 22, 2026

Hot, Normal, and Cold Markets

Hot Market This is an extremely competitive market and is advantageous to the seller. Sometimes, homes will sell as soon as they are listed or even before homes are listed. Typically, during a hot market, multiple offers will be made on each home and more often than not, homes w...
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Blog Post Understanding Title Insurance
By Rancho Coastal Properties - Sunday, March 22, 2026

Understanding Title Insurance

What is title insurance? Newspapers refer to it in the weekly real estate sections and you hear about it in conversations with real estate brokers. If you’ve purchased a home you may be familiar with the benefits of title insurance. However, if this is your first home, you may ...
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Blog Post Land Contract
By Rancho Coastal Properties - Sunday, March 22, 2026

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property only transfers to the la...
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Blog Post Title Insurance Requirements for Insuring Trusts
By Rancho Coastal Properties - Sunday, March 22, 2026

Title Insurance Requirements for Insuring Trusts

In today’s world of busy probate courts and exorbitant death taxes, the living trust has become a common manner of holding title to real property. The following may help you understand a few of the requirements of the title insurance industry if title to property is conveyed to...
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Blog Post Living Trusts
By Rancho Coastal Properties - Sunday, March 22, 2026

Living Trusts

Estate planners often recommend Living Trusts as a viable option when contemplating the manner in which to hold title to real property. When a property is held in a Living Trust, title companies have particular requirements to facilitate the transaction. While not comprehensive, ...
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Blog Post Insist on a Home Inspection
By Rancho Coastal Properties - Sunday, March 22, 2026

Insist on a Home Inspection

A professional home inspection protects both you and the buyer. It allows both you and the buyer the opportunity to learn about the property’s defects. A home inspection usually covers the following: Plumbing conditions - if there is leakage or clogging Roofing conditions ...
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Blog Post Avoiding Financial Stress
By Rancho Coastal Properties - Sunday, March 22, 2026

Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money. It is still true that the better qualifications you have, the lowe...
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Blog Post The No-Cost Thirty Year Fixed Rate Mortgage
By Rancho Coastal Properties - Sunday, March 22, 2026

The No-Cost Thirty Year Fixed Rate Mortgage

There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees, and so on, depending on...
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Blog Post Title Insurance - Where Does Your Dollar Go?
By Rancho Coastal Properties - Sunday, March 22, 2026

Title Insurance - Where Does Your Dollar Go?

Title Insurance: As a homebuyer, the term is probably familiar - but is it understood? What is your dollar actually paying for when you purchase a title policy? Title Insurers, unlike property or casualty insurance companies, operate under the theory of risk elimination. Title c...
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Blog Post Environmental Issues
By Rancho Coastal Properties - Sunday, March 22, 2026

Environmental Issues

When purchasing a piece of property, it is important to be aware of any environmental liabilities associated with it. For example, you should find out if there are any registered underground tanks within several miles of the property, known contaminated properties in the neighbor...
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