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Guide to Selling a Damaged or Unsafe Home in California

2026 Guide to Selling a Damaged or Unsafe Home in California

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Yes, you can sell a damaged or unsafe home in California, including as-is. State law still requires you to disclose every material defect you know about, no matter how the sale is structured. What changes is your buyer pool and your price, not your legal duty to tell the truth about the property. TLDR A … Continued
Should You Do a Loan Assumption or Sell Instead?

Loan Assumption vs. Selling Your House in California

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A loan assumption lets a buyer take over your existing mortgage instead of getting new financing, but in California that generally only works for FHA, VA, and USDA loans, and the buyer still has to cover your equity in cash. Most sellers with a conventional loan, or with real equity built up, find selling is … Continued
Can You Sell a House With Liens in California?

Can You Sell a House With Liens in California?

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Yes. A lien does not stop you from selling a house in California. It has to be paid off, negotiated down, or otherwise resolved before or at closing, and in most sales that happens automatically out of the proceeds through escrow, so you are not required to clear it out of pocket first. TLDR A … Continued
Can You Sell Your Home During a Loan Modification

Can You Sell During a Loan Modification in California?

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Yes. California homeowners can sell their house at any point during a loan modification review, and even after a modification is approved, as long as the sale pays off the mortgage balance at closing. Your lender wants its money back. It does not require you to stay and finish the modification to get it. TLDR … Continued
What Happens If You Stop Paying Property Taxes in California?

What Happens If You Stop Paying Property Taxes in California?

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If you stop paying property taxes in California, the county adds penalties right away, and your property becomes “tax-defaulted” the following July 1. You then have five years to catch up before the county can legally sell your home at public auction. You still own the home the entire time, but the debt grows every … Continued
Short Sale Alternatives How to Get Out From Under Your Mortgage Fast

Short Sale Alternatives in California: What to Do Before You List

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A short sale isn’t the only way out from under a mortgage you can’t afford. California homeowners behind on payments also have loan modification, forbearance, a repayment plan, reinstatement, deed in lieu of foreclosure, and a cash sale to choose from, and several of them move faster than a short sale’s 60 to 180 day … Continued
Can You Sell a House With an Existing Mortgage in California

Can You Sell a House With a Mortgage in California?

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Yes. Most California home sellers still have a mortgage, and the loan is paid off automatically at closing using money from the sale, not out of your pocket. The escrow company handles the payoff directly with your lender. The only real question is whether your equity covers what you owe plus closing costs. TLDR Almost … Continued
What to Do If the Buyer Backs Out of Escrow in California

What Happens When a Buyer Backs Out of Escrow in California

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A buyer can legally cancel during escrow in California if they act within an active contingency period. Once contingencies are removed in writing, canceling without cause can put the buyer in default, and the seller may be entitled to keep the earnest money deposit as liquidated damages, capped at 3% of the purchase price. TLDR … Continued
How to Sell a House With Major Repairs Needed in California

How to Sell a House With Major Repairs Needed in California

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Yes, you can sell a house in California that needs major repairs, whether that’s a failing roof, foundation movement, or outdated electrical. California law doesn’t require repairs before a sale. You can list it as-is on the open market or sell directly to a cash buyer, as long as you disclose what you know about … Continued
How Much Does It Cost to Sell a House As-Is in California?

How Much Does It Cost to Sell a House As-Is in California?

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Selling a house as-is in California still comes with real costs. You’ll owe closing costs of roughly 1% to 3% of the sale price, and if you use an agent, a commission that now averages just over 5% statewide. What you skip is the $15,000 to $60,000 range most sellers spend on repairs, staging, and … Continued
What Happens if You Inherit a House With a Mortgage in California

What Happens if You Inherit a House With a Mortgage in California?

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If you inherit a house in California with a mortgage still on it, the loan doesn’t disappear and it doesn’t automatically transfer to you either. Federal law lets you keep making payments under the existing terms without refinancing. You can also sell the home and pay off the balance from the proceeds at closing. TLDR … Continued
Top Mistakes to Avoid When Selling a Probate House in California

Top Mistakes to Avoid When Selling a Probate House in California

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The costliest probate sale mistakes in California are procedural, not emotional: selling without confirming full or limited authority, skipping the required Notice of Proposed Action, and pricing the home before the probate referee’s appraisal is in hand. Each one can add months to a sale that was otherwise ready to close. TLDR Most of the … Continued
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