<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>CaliHomeowner</title><link>https://calihomeowner.com/</link><description>Mortgage research and educational guides</description><item><title>CaliHomeowner 2026 California Mortgage, High-Balance &amp; HELOC Options</title><link>https://calihomeowner.com/mortgage-options.html</link><guid isPermaLink="true">https://calihomeowner.com/mortgage-options.html</guid><description>CaliHomeowner 2026 California Mortgage, High-Balance &amp; HELOC Options Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>2026 California Conforming and FHA Loan Limits by County ($832,750 to $1,249,125)</title><link>https://calihomeowner.com/california-county-loan-limits-2026.html</link><guid isPermaLink="true">https://calihomeowner.com/california-county-loan-limits-2026.html</guid><description>2026 California Conforming and FHA Loan Limits by County ($832,750 to $1,249,125) Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Proposition 13 Property Tax Guide: 1% Base Rate and 2% Assessment Cap</title><link>https://calihomeowner.com/california-prop-13-property-tax-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/california-prop-13-property-tax-guide.html</guid><description>California Proposition 13 Property Tax Guide: 1% Base Rate and 2% Assessment Cap Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Proposition 19 Guide: Transferring Your Prop 13 Tax Base at 55+ or After Wildfire</title><link>https://calihomeowner.com/california-prop-19-tax-base-transfer.html</link><guid isPermaLink="true">https://calihomeowner.com/california-prop-19-tax-base-transfer.html</guid><description>California Proposition 19 Guide: Transferring Your Prop 13 Tax Base at 55+ or After Wildfire</description></item><item><title>Understanding California Supplemental Property Tax Bills in Year One</title><link>https://calihomeowner.com/california-supplemental-property-tax-bills.html</link><guid isPermaLink="true">https://calihomeowner.com/california-supplemental-property-tax-bills.html</guid><description>Understanding California Supplemental Property Tax Bills in Year One Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>CalHFA MyHome Assistance and First-Time Buyer Mortgage Programs in California</title><link>https://calihomeowner.com/calhfa-myhome-first-time-buyer-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/calhfa-myhome-first-time-buyer-guide.html</guid><description>CalHFA MyHome Assistance and First-Time Buyer Mortgage Programs in California Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Dream For All Shared Appreciation Loan: Eligibility and Repayment Math</title><link>https://calihomeowner.com/california-dream-for-all-shared-appreciation.html</link><guid isPermaLink="true">https://calihomeowner.com/california-dream-for-all-shared-appreciation.html</guid><description>California Dream For All Shared Appreciation Loan: Eligibility and Repayment Math Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>High-Balance Conforming Loans in Bay Area, Los Angeles, Orange and San Diego Counties</title><link>https://calihomeowner.com/california-high-balance-conforming-loans.html</link><guid isPermaLink="true">https://calihomeowner.com/california-high-balance-conforming-loans.html</guid><description>High-Balance Conforming Loans in Bay Area, Los Angeles, Orange and San Diego Counties Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Jumbo Mortgages: Post-Close Reserve Tiers, RSU Income and Appraisals</title><link>https://calihomeowner.com/california-jumbo-mortgage-reserves-pricing.html</link><guid isPermaLink="true">https://calihomeowner.com/california-jumbo-mortgage-reserves-pricing.html</guid><description>California Jumbo Mortgages: Post-Close Reserve Tiers, RSU Income and Appraisals Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>How California Mello-Roos Special Taxes Affect Your Mortgage DTI and Escrow Impound</title><link>https://calihomeowner.com/california-mello-roos-cfd-dti-impact.html</link><guid isPermaLink="true">https://calihomeowner.com/california-mello-roos-cfd-dti-impact.html</guid><description>How California Mello-Roos Special Taxes Affect Your Mortgage DTI and Escrow Impound Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>Financing a California Home With FAIR Plan and DIC Wildfire Insurance Coverage</title><link>https://calihomeowner.com/california-fair-plan-wildfire-insurance-escrow.html</link><guid isPermaLink="true">https://calihomeowner.com/california-fair-plan-wildfire-insurance-escrow.html</guid><description>Financing a California Home With FAIR Plan and DIC Wildfire Insurance Coverage Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>Financing a California ADU Under SB 9 With a HELOC or Renovation Mortgage</title><link>https://calihomeowner.com/california-adu-financing-heloc-homestyle.html</link><guid isPermaLink="true">https://calihomeowner.com/california-adu-financing-heloc-homestyle.html</guid><description>Financing a California ADU Under SB 9 With a HELOC or Renovation Mortgage Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Anti-Deficiency Rules (CCP 580b and 580d) for Purchase and Refinance Loans</title><link>https://calihomeowner.com/california-non-recourse-mortgage-rules-580b.html</link><guid isPermaLink="true">https://calihomeowner.com/california-non-recourse-mortgage-rules-580b.html</guid><description>California Anti-Deficiency Rules (CCP 580b and 580d) for Purchase and Refinance Loans Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Cash-Out Refinance Guide: Tapping Coastal and Inland Appreciation</title><link>https://calihomeowner.com/california-cash-out-refinance-equity-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/california-cash-out-refinance-equity-guide.html</guid><description>California Cash-Out Refinance Guide: Tapping Coastal and Inland Appreciation Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California HELOC Guide: Combined LTV Caps on High-Value Primary Residences</title><link>https://calihomeowner.com/california-heloc-variable-rate-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/california-heloc-variable-rate-guide.html</guid><description>California HELOC Guide: Combined LTV Caps on High-Value Primary Residences Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Condo, Townhome and San Francisco TIC Financing and HOA Reserve Rules</title><link>https://calihomeowner.com/california-condo-tic-warrantability-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/california-condo-tic-warrantability-guide.html</guid><description>California Condo, Townhome and San Francisco TIC Financing and HOA Reserve Rules Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California Earthquake Authority (CEA) Policies, Deductibles and Mortgage Rules</title><link>https://calihomeowner.com/california-earthquake-insurance-cea-budget.html</link><guid isPermaLink="true">https://calihomeowner.com/california-earthquake-insurance-cea-budget.html</guid><description>California Earthquake Authority (CEA) Policies, Deductibles and Mortgage Rules Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>California VA Home Loans: Full Entitlement Buying Power in SoCal and the Bay Area</title><link>https://calihomeowner.com/california-va-home-loan-high-cost-counties.html</link><guid isPermaLink="true">https://calihomeowner.com/california-va-home-loan-high-cost-counties.html</guid><description>California VA Home Loans: Full Entitlement Buying Power in SoCal and the Bay Area Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>Buying a 2-to-4 Unit Property in California With an FHA or Conventional Loan</title><link>https://calihomeowner.com/california-fha-loan-multi-unit-guide.html</link><guid isPermaLink="true">https://calihomeowner.com/california-fha-loan-multi-unit-guide.html</guid><description>Buying a 2-to-4 Unit Property in California With an FHA or Conventional Loan Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>Southern and Northern California Escrow and Title Fee Splits and Cash to Close</title><link>https://calihomeowner.com/california-closing-costs-escrow-title-split.html</link><guid isPermaLink="true">https://calihomeowner.com/california-closing-costs-escrow-title-split.html</guid><description>Southern and Northern California Escrow and Title Fee Splits and Cash to Close Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>CaliHomeowner Mortgage Planning</title><link>https://calihomeowner.com/</link><guid isPermaLink="true">https://calihomeowner.com/</guid><description>CaliHomeowner Mortgage Planning Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>CaliHomeowner Mortgage Calculators</title><link>https://calihomeowner.com/tools.html</link><guid isPermaLink="true">https://calihomeowner.com/tools.html</guid><description>CaliHomeowner Mortgage Calculators Review program requirements, costs and written offers before making a mortgage decision.</description></item><item><title>Mortgage Payment Calculator | CaliHomeowner</title><link>https://calihomeowner.com/monthly-payment-calculator.html</link><guid isPermaLink="true">https://calihomeowner.com/monthly-payment-calculator.html</guid><description>Mortgage Payment Calculator | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>Home Equity Calculator | CaliHomeowner</title><link>https://calihomeowner.com/home-equity-calculator.html</link><guid isPermaLink="true">https://calihomeowner.com/home-equity-calculator.html</guid><description>Home Equity Calculator | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>Refinance Savings Calculator | CaliHomeowner</title><link>https://calihomeowner.com/refinance-savings-calculator.html</link><guid isPermaLink="true">https://calihomeowner.com/refinance-savings-calculator.html</guid><description>Refinance Savings Calculator | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>Closing Cost Estimator | CaliHomeowner</title><link>https://calihomeowner.com/closing-cost-estimator.html</link><guid isPermaLink="true">https://calihomeowner.com/closing-cost-estimator.html</guid><description>Closing Cost Estimator | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>Amortization Schedule Generator | CaliHomeowner</title><link>https://calihomeowner.com/amortization-schedule.html</link><guid isPermaLink="true">https://calihomeowner.com/amortization-schedule.html</guid><description>Amortization Schedule Generator | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>ARM vs Fixed Rate Comparison | CaliHomeowner</title><link>https://calihomeowner.com/arm-vs-fixed-calculator.html</link><guid isPermaLink="true">https://calihomeowner.com/arm-vs-fixed-calculator.html</guid><description>ARM vs Fixed Rate Comparison | CaliHomeowner. Compare mortgage programs, transparent assumptions and practical next steps before requesting written lender offers.</description></item><item><title>California: Mortgage Cost Study 2026</title><link>https://calihomeowner.com/calihomeowner-mortgage-cost-study-2026.html</link><guid isPermaLink="true">https://calihomeowner.com/calihomeowner-mortgage-cost-study-2026.html</guid><description>California: Mortgage Cost Study 2026: compare sourced housing data, practical mortgage choices and the next steps for your California home budget.</description></item><item><title>California: Mortgage Term Comparison 2026</title><link>https://calihomeowner.com/calihomeowner-mortgage-term-comparison-2026.html</link><guid isPermaLink="true">https://calihomeowner.com/calihomeowner-mortgage-term-comparison-2026.html</guid><description>California: Mortgage Term Comparison 2026: compare sourced housing data, practical mortgage choices and the next steps for your California home budget.</description></item><item><title>Monthly Mortgage Payment Calculator Walkthrough (PITI + PMI)</title><link>https://calihomeowner.com/mortgage-payment-calculator-video-walkthrough.html</link><guid isPermaLink="true">https://calihomeowner.com/mortgage-payment-calculator-video-walkthrough.html</guid><description>Monthly Mortgage Payment Calculator Walkthrough (PITI + PMI): compare sourced housing data, practical mortgage choices and the next steps for your California home budget.</description></item><item><title>Guía hipotecaria de California: compra y refinanciamiento en 2026</title><link>https://calihomeowner.com/es/guia-hipotecaria-calihomeowner-2026.html</link><guid isPermaLink="true">https://calihomeowner.com/es/guia-hipotecaria-calihomeowner-2026.html</guid><description>Compare programas hipotecarios, costos de cierre, seguros y opciones de refinanciamiento en California; revise fuentes oficiales y requisitos antes de solicitar un préstamo.</description></item><item><title>CaliHomeowner Refinance Guides, Calculators and Research</title><link>https://calihomeowner.com/guides.html</link><guid isPermaLink="true">https://calihomeowner.com/guides.html</guid><description>CaliHomeowner Refinance Guides, Calculators and Research. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>About CaliHomeowner Research &amp; Editorial Desk</title><link>https://calihomeowner.com/about.html</link><guid isPermaLink="true">https://calihomeowner.com/about.html</guid><description>About CaliHomeowner Research &amp; Editorial Desk. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>CaliHomeowner Editorial Policy and Research Methodology</title><link>https://calihomeowner.com/editorial-policy.html</link><guid isPermaLink="true">https://calihomeowner.com/editorial-policy.html</guid><description>CaliHomeowner Editorial Policy and Research Methodology. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>CaliHomeowner Research Methodology</title><link>https://calihomeowner.com/methodology.html</link><guid isPermaLink="true">https://calihomeowner.com/methodology.html</guid><description>CaliHomeowner Research Methodology. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>CaliHomeowner Editorial Desk</title><link>https://calihomeowner.com/author-editorial-desk.html</link><guid isPermaLink="true">https://calihomeowner.com/author-editorial-desk.html</guid><description>CaliHomeowner Editorial Desk. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>Contact CaliHomeowner Editorial Desk and Corrections</title><link>https://calihomeowner.com/contact.html</link><guid isPermaLink="true">https://calihomeowner.com/contact.html</guid><description>Contact CaliHomeowner Editorial Desk and Corrections. Review California mortgage resources, transparent assumptions and practical next steps before comparing lender offers.</description></item><item><title>CaliHomeowner Privacy Overview</title><link>https://calihomeowner.com/privacy.html</link><guid isPermaLink="true">https://calihomeowner.com/privacy.html</guid><description>CaliHomeowner Privacy Overview. 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