Sellers December 10, 2025

Property Taxes, Deductions & Smart End-of-Year Homeowner Tips for LA & Ventura County

Southern California does a lot of things differently — our winters are mild, our traffic is not, and our property tax bills have a special talent for showing up exactly when you’re already overspending on holiday gifts.

But here’s the upside: a few smart end-of-year moves can save homeowners throughout Los Angeles and Ventura counties serious money before December 31st. And in a market that has shifted more this year than most people realize, these savings matter.

Here’s your no-fluff guide to finishing the year financially strong.


🎁 1. Check Your Property Tax Bill — LA & Ventura Penalties Aren’t a Joke

In both LA and Ventura counties, the first installment is due by December 10th. A missed deadline means steep penalties that hit your wallet harder than a Calabasas boutique receipt.

If you’re in an impound account, confirm your lender actually paid it — don’t assume.


💸 2. Yes, Mortgage Interest Is Still Deductible (Up to the Federal Limits)

Even with tax law changes, homeowners can still deduct mortgage interest on loans up to $750,000 for most properties.
In higher-priced markets like Woodland Hills, West Hills, Calabasas, Agoura, Thousand Oaks, and Westlake Village, this deduction matters—a lot.

Make sure your closing documents are saved if you bought or refinanced in 2025.


🏡 3. Home Office Deductions: Huge for SoCal’s Hybrid Workers

Remote and hybrid work is still strong across LA and Ventura, and many residents are eligible for a home office deduction.
Remember:

  • Space must be used exclusively and regularly for work

  • It can be a portion of a room

  • Part of your utilities and internet may qualify

Bad news: Your poolside lounge chair does not count as a workspace… even if your Zoom background looks amazing.


🔧 4. Energy-Efficient Upgrades = Real Credits in CA

California homeowners who made eco-friendly improvements may qualify for generous credits:

  • Solar panels (huge credit potential)

  • Heat pumps and smart HVAC

  • Energy-efficient windows

  • Certain water-saving upgrades

LA & Ventura buyers are prioritizing green features more than ever — these upgrades save energy today and boost resale tomorrow.


🌧️ 5. Prepare for “Rain Season” — SoCal’s Annual Plot Twist

January and February are historically the wettest months here. If you’re thinking of selling in early 2026, prevent inspection headaches now by:

  • Clearing gutters

  • Checking drainage around your foundation

  • Fixing roof issues before the storms find them

  • Servicing your HVAC while contractors have availability

A few hundred dollars today can save you thousands in negotiations next year.


❤️ 6. The Donation Deduction: Clean House, Get Credit

Between LA’s small-lot homes and Ventura’s garage storage wars, end-of-year decluttering is a seasonal sport.
Donate items before December 31st, get a tax deduction, and go into 2026 feeling lighter — literally and financially.


🎯 Final Take

Most homeowners wait until tax season to get organized. By then? Half the opportunities are gone.
Getting ahead now helps you keep more of your money — and puts you in a better position whether you’re staying put, refinancing, or planning to sell in 2026.

BuyersSellers December 5, 2025

When the World Pauses for a Draw: Why the World Cup Means Something to Everyone

 

Today isn’t just another day on the sports calendar. Today is the World Cup group draw—the moment every soccer fan pretends to be calm while silently praying their team doesn’t end up in the “Group of Eternal Suffering.”

And even if you don’t know a corner kick from a Costco hot dog combo, trust me: the energy around this thing is worth paying attention to. Because the World Cup has this weird, magical way of grabbing everyone—super-fans, casual observers, and the “I’m-just-here-for-the-snacks” folks too.


For the Die-Hard Fans: This Is Christmas Morning in Cleats

There’s a whole population of humans who’ve been refreshing FIFA feeds like they’re tracking the stock market.

To them, the draw is everything.
It’s where hopes rise, dreams get crushed, and predictions get wildly out of control.

  • They’re analyzing matchups like they’re studying for the bar exam.
  • They’re already planning excuses to miss work next summer.
  • They’re arguing with strangers on the internet—with joy.

For fans, the draw is that first adrenaline jolt—before the real madness even begins.


For the Casual Fans: Welcome to the World’s Biggest Party

You might not know every player. You might not even know every country. (It’s okay—we all have gaps.)
But you do know this: the World Cup makes your group chats livelier, your local bars louder, and your Instagram stories suddenly full of flags.

You enjoy the vibe. The energy. The sense of everyone rooting for something, even if you’re not exactly sure what that something is yet.

And honestly? That’s the beauty of it.


For the Non-Fans: Yes, It Still Affects You—And You Might Even Like It

Maybe soccer isn’t your thing. Maybe sports in general aren’t. Totally fine.

But the World Cup is one of the few global events that affects everything for a few weeks:

  • Work productivity mysteriously drops.
  • Cities get louder.
  • Friends suddenly speak fluent soccer.
  • You get invited to parties you didn’t ask for—but the food is great.

You don’t need to love the sport to appreciate what it does:
it makes people feel connected, hopeful, a little competitive, and a lot more alive.

And honestly, who couldn’t use more of that?


Why Today Matters

The group draw is the fuse.
The tournament is the fireworks.
And today is when the world collectively leans forward and says, “Alright… let’s see what you’ve got.”

The fans will celebrate or panic.
The casual fans will pick a team to root for.
The non-fans will roll their eyes—but still somehow know who made the “Group of Death” by tomorrow.

Because whether you’re all-in or just along for the ride, the World Cup is coming—and the world loves a spectacle.

BuyersSellers December 3, 2025

From Boom to Balance: Unpacking Southern California’s 2025 Housing Shifts 🏡

The real estate roller-coaster that defined Southern California over the past few years is finally settling — but it’s not flattening out completely. After a blistering run, 2025 brings a more tempered, “balanced” market. Here’s how things are playing out.


📈 What’s Changed — and What’s Cooling Off

• Sales Are Rebounding, But Modestly

  • Early 2025 saw a jump in statewide home sales: in February, existing single-family home sales hit 283,540 — the strongest showing in over two years. (ManageCasa)
  • Through the first quarter, sales remained slightly above 2024 levels, though not at the heights of 2021–2022 booms. (ManageCasa)

• Home-price Gains Have Slowed, But Persisted

  • Statewide, median home prices hovered around $829,060 in early 2025, rising somewhat to about $884,350 by March. That’s still up year-over-year, but growth is nothing like the supercharged gains of the pandemic boom. (ManageCasa)
  • In the SoCal region specifically, the median home price in February 2025 hit roughly $866,400 — up about 4.8% from a year prior. By March, it rose further to around $905,790. (ManageCasa)

• Inventory Is Finally Rising — Giving Buyers More Leverage

  • After years of painfully low supply, 2025 has seen a jump in active listings across Southern California: some counties saw 30–60%+ increases in inventory compared to 2024. (amalfiestates.com)
  • As of early 2025, the region-wide “months of supply” — a key metric for gauging market balance — climbed to roughly 3.5–4 months. That’s a notable shift from the sub-3-month inventories that kept pressure on buyers for years. (ManageCasa)
  • With more homes available, properties are taking longer to sell — giving buyers breathing room rather than frenzied bidding wars. (amalfiestates.com)

• Affordability Remains a Challenge — Especially for First-Time Buyers

  • Despite the moderation, prices remain high enough that homeownership is out of reach for many. In fact, only a small fraction of households can realistically afford the median-priced home, especially in coastal or highly desirable counties. (ManageCasa)
  • This constraint continues to push many toward renting; some potential buyers are holding off on purchases, waiting for more favorable terms. (Friendly Offer)

🔍 Regional Dynamics: It’s Not One Market — It’s Many

Not all corners of Southern California are behaving the same — there are meaningful differences by county and submarket.

Region / Segment What’s Going On in 2025
Inland Empire (e.g., Riverside, San Bernardino) Remains among the more affordable zones — median prices in the ~$600,000 range, and annual price growth of 7–8%. (ManageCasa)
Los Angeles County Still seeing price appreciation, but more moderate: 2025 gains are measured rather than meteoric. Inventory uptick giving buyers more negotiating power. (amalfiestates.com)
Orange County & Coastal Areas Premium pricing holds; inventory increases more slowly, and demand remains competitively strong. (ManageCasa)
San Diego & Nearby Coastal Counties Price increases more moderate than at the peak years — buyers are more selective; longer market times. (amalfiestates.com)

💡 Why the Shift From “Boom” to “Balance”

Several forces are converging to mellow out the previously overheated Southern California housing market:

  • Mortgage rates remain elevated — while slightly better than their peak, they’re still high enough to suppress hyper-aggressive buying. (Agents Of LA – Luxury Real Estate Agency)
  • Supply constraints are easing — more homes hit the market, giving buyers choices and diluting bidding pressure. (ManageCasa)
  • Buyer fatigue and affordability squeeze — many buyers, especially first-timers, are priced out or cautious about overpaying, leading to slower demand. (ManageCasa)
  • Normalization from unsustainable growth — after years of surging prices, the market is returning toward more sustainable, long-term patterns.

🔮 What This Means — and Where Things Might Go

  • For buyers: 2025 may be one of the better windows in recent years to find value — more inventory, less frenetic bidding, and a broader range of options.
  • For sellers: You may need to temper expectations. Price-chasing up, quick sales? That’s more 2021-2022. Now, it’s about strategy: pricing right, staging, being ready for longer days on market.
  • For investors / landlords: With affordability tight and buying out of reach for many, demand for rentals remains stable — so long as rental prices don’t outpace wage growth too much.
  • For market watchers & policymakers: The shift toward balance may stabilize volatility, but structural affordability problems remain. Pressure on housing supply, zoning reform, cost of living — these issues are still very real.

🎯 My Take (Yes, I’m Biased)

As someone in real estate, I see 2025 as a much-needed breathing-room moment. The boom brought windfalls — but also chaos: bidding wars, affordability crises, unsustainably steep valuations. Now? The market is catching its breath. If you’ve been waiting for a “realistic” chance to get in (or to exit smartly), this might just be it.

Want to dive deeper into a specific submarket (like Inland Empire vs. Coastal), or run some forecast scenarios for 2026–2027? I can help sketch those out — call it future-proofing.

BuyersSellers December 1, 2025

Tariffs and Trade Wars: How They’re Shaping Holiday Shopping This Year

 

If you’ve noticed your holiday cart total creeping up faster than a teenager’s screen time, you’re not imagining things. With fresh chatter out of D.C. about new tariffs on imported goods, the timing couldn’t be worse for shoppers riding the Black Friday high. Trade policy is suddenly the main character of holiday shopping season — and yes, it can hit your wallet.

Let’s break down what’s happening, why it matters, and how to shop smarter before the reindeer even get harnessed.


Tariffs 101 (A Quick, No-B.S. Breakdown)

Tariffs are basically taxes the government slaps on goods coming into the country. Politicians call it “leveling the playing field.” Consumers call it “my holiday budget just spontaneously combusted.”

Here’s the simple cause-and-effect:

  • Import gets taxed
  • Retailer pays more
  • Retailer shrugs and passes the cost to… guess who?
  • You, the shopper

So when Washington starts wagging fingers at foreign imports — toys, electronics, clothing, home goods — prices don’t politely wait until January to go up.


Why This Is Hitting Right Now

Talk of new U.S. trade measures heated up right as retailers were preparing for their biggest sales push of the year. E-commerce brands especially feel the impact because:

  • Many rely heavily on overseas manufacturing
  • Shipping costs are already elevated
  • Inventory for holiday sales is often ordered months in advance

When tariff talk ramps up, retailers adjust fast. And “adjust” is corporate-speak for “brace yourselves, price tags are about to get bolder.”


What This Means for Holiday Gift Prices

Expect certain categories to be more affected than others. The big ones:

🎁 Electronics

Phones, tablets, gaming systems — anything with a circuit board. Even small percentage increases can turn into $20–$80 more per item.

🧸 Toys

Most major toy brands manufacture overseas, so that adorable talking unicorn might cost more than your first car’s down payment (slight exaggeration… but only slight).

👚 Apparel

Fast fashion? More like fast inflation. If it’s imported, expect sticker shock.

🏠 Home Goods

Kitchen gadgets, décor, tools, accessories — lots of these ride the import wave.

If you’re thinking, “Well, maybe this won’t affect my gifts,” here’s a reality check: It probably will. But don’t panic yet.


Smart Shopper Moves to Beat the Tariff Squeeze

This is where you get to flex your savvy side. A few well-timed strategies can save you real money:

1. Buy sooner rather than later

Prices are more likely to rise than fall as tariff news solidifies. Waiting for last-minute deals this year is like waiting for your packages to arrive “on time” during a UPS strike — bold, but misguided.

2. Compare domestic vs. imported

Some brands manufacture in the U.S. or Mexico. They may end up being cheaper once tariffs kick in.

3. Lean into gift cards

Not glamorous, but always the right size, color, and budget protector. Plus, no tariff drama.

4. Look for alternate brands

Shoppers tend to cling to the same handful of labels. Cast a wider net — smaller brands often keep prices steadier.

5. Watch for retailer price adjustments

Some big stores quietly match lower prices if something drops later. Screenshot everything like the digital detective you were born to be.


Bottom Line

New tariff talk couldn’t have picked a more chaotic time to show up — right when Americans are filling carts, checking lists twice, and pretending budgets are optional. But understanding how these policies ripple through retail helps you stay ahead of the curve instead of getting steamrolled by it.

With a little strategy, you can still get great gifts without sacrificing your financial sanity. Trade wars might be messy, but your holiday shopping doesn’t have to be.

BuyersSellers November 24, 2025

The Thanksgiving Table: What Each Personality Brings to the Meal

 

Every Thanksgiving table is a masterpiece of food, family, and pure personality chaos. Forget zodiac signs — nothing reveals who someone really is like watching them around a platter of turkey.

Here are the classic characters you’ll spot this year. If you don’t recognize anyone… congratulations, it’s probably you.


1. The Early Arriver Who Secretly Judges Your Kitchen

This person shows up 40 minutes before the start time, coat already off, scanning your counters like they’re about to issue a report.
They’re “just here to help,” but somehow they make you feel like you’ve been running a rogue kitchen operation out of a storage unit.


2. The Food Critic (Self-Appointed)

They swirl gravy like it’s a Napa cabernet and give notes on the stuffing’s “texture profile.”
Will they still eat five servings? Oh absolutely.


3. The Sports Fan in Full Hibernation Mode

This one arrives, finds the couch, and fuses with it until dessert.
They’ll cheer, shout, and text friends—but at no point will they acknowledge that food is happening.
Your only hope is to drop a plate in their lap like you’re feeding wildlife.


4. The Overachiever Who Brings a Dish That Requires a TED Talk

You asked them to bring a side.
They brought a heritage-grain, hand-foraged, locally-sourced, ethically-sautéed entrée that took 11 hours and three YouTube tutorials.
It’s delicious, but there is no way you’re matching that energy.


5. The Store-Bought Hero (Zero Shame, 100% Confidence)

They walk in with a pie from Costco like it’s the Holy Grail.
Honestly? They’re the most relatable person in the room.
And let’s be real: that pie usually disappears first.


6. The “Diet Starts Monday” Guest

They begin the day saying things like, “I’m being good this year.”
Two hours later, they’re dual-wielding bread rolls and hovering near the dessert table like it owes them money.
No judgment. It’s a holiday, not a discipline test.


7. The New Partner Trying Way Too Hard

Overly polite, offering to help with everything, smiling through mild chaos.
They laugh at jokes that aren’t funny and compliment literally every dish.
We’ve all been this person once.
Bless their soul.


8. The One Who Talks Real Estate, Rates, and Market Trends

You didn’t think I’d leave this one off, did you?
This person drops market insights between bites like they’re hosting CNBC.
People pretend they “don’t want to know,” but trust me — they’re listening.


9. The “I’ll Do the Dishes!” Saint

They rise after dinner like an angel descending from the heavens and start cleaning without being asked.
Everyone protests weakly, but no one stops them.
These people should be protected at all costs.


10. The Leftover Strategist

They’re already planning tomorrow’s sandwich before dessert hits the table.
Tupperware magically appears from their bag.
You admire the hustle.


The Real Magic? You Need All of Them.

These personalities — the earnest, the quirky, the dramatic, the hilarious — are what make Thanksgiving feel alive.
They’re the reason we remember these meals long after the dishes are washed and the leftovers are demolished.

So whatever character you play this year, show up, dig in, and enjoy the glorious chaos around the table.

BuyersSellers November 21, 2025

Southern California Housing Market Update: What’s Really Happening Heading Into 2026

Southern California’s market is finally exhaling. After years of sprinting, spiking, cooling, and confusing just about everyone, the November 2025 landscape has settled into something we haven’t seen in a while: balance. Not a buyer’s dream. Not a seller’s fiesta. Just a market acting like a normal market again — well, as “normal” as SoCal ever gets.

Let’s break it down without the drama.


Where Things Stand Right Now (Late 2025)

Mortgage rates have drifted down into the 6.1–6.3% range — not low, but at least no longer “ice bucket challenge for your wallet” territory. That small dip gave sales a nudge upward and encouraged some owners to finally list their homes.

Inventory is rising, time on market is stretching to 30–60+ days, and neighborhoods that were flying off the MLS in hours during the pandemic are now actually letting buyers catch their breath.

No crash in sight, though. Demand is still anchored by strong job centers, a lifestyle people will pay for, and the long-running issue of simply not building enough homes.

Current Snapshot by Region

  • SoCal, overall:
    Average home price around $860K, slightly down year over year. Inventory is hovering at 3–5 months, and properties are taking anywhere from 32 to 72 days to sell.
  • Los Angeles County:
    Prices nudged down (–0.5% to –2.4%). Homes sit 53–61 days on average. Urban cores cooling fastest; the suburban sweet spots are still competitive.
  • Orange County:
    Median price $1.2M and still climbing. Slower luxury segment, but overall one of the most resilient counties.
  • San Diego County:
    Strongest demand in the coastal zones. Prices up 3–5%. Days on market as low as 13 in hot pockets.
  • Inland Empire:
    Riverside and San Bernardino remain the affordability valve for the region. More inventory, slower sales, modest appreciation.
  • Ventura County:
    Not as flashy as LA or OC, but steady, predictable demand. Coastal inventory stays tight; inland areas see longer DOM but stable pricing.

Buyer & Seller Signals

  • 34% of homes are still selling above list — but that’s down from the pandemic craziness.
  • Price reductions are rising, now around 28% of listings.
  • Affordability remains brutal — only about 16–20% of households qualify for the median-priced home statewide.

Translation:
Buyers have more leverage, but the market isn’t “cheap.” Sellers can still win, but only if they price smart instead of nostalgic.


Looking Ahead: What To Expect in 2026 (and Early 2027)

If you’re waiting for the market to “take off” again or “finally crash,” don’t hold your breath. The experts — from C.A.R. to Zillow to Redfin — all agree:
The next two years will be steady, boring, sensible real estate.

Here’s what’s projected:

Prices

Expect modest appreciation (+1.5% to +4.6%) depending on the county.
Coastal zones likely land around +3–5%, with the Inland Empire floating around 0–3%.

Sales Volume

Finally rising — somewhere between +2% and +10%, coming off a historically slow 2025. Pent-up demand is real.

Inventory

Should continue ticking up 10–20%, especially now that more sellers are crawling out from under their ultra-low COVID-era rates.

Mortgage Rates

Projected to average 6.0–6.6% in 2026, potentially dipping below 6% if the economy cooperates.

The Big Picture

  • 2026 will be a more balanced playing field.
  • Move-up buyers get their first true opening in years.
  • First-time buyers still have a tough climb, but relief is coming.
  • Inland markets offer value; coastal markets hold firm as always.
  • 2027 is shaping up as a steady 3–5% appreciation year, barring economic surprises.

What This Means for Buyers and Sellers Right Now

If You’re Buying:

You finally have options. More homes. More negotiation power. And likely slightly better rates ahead. Don’t wait for “perfect,” because perfect doesn’t exist — especially in Southern California real estate.

If You’re Selling:

Price correctly. Don’t get cute. The days of fishing for lottery offers are gone, but serious, qualified buyers are still out there — especially in LA, Ventura, and OC’s most desirable pockets.


Bottom Line

Southern California is shifting into a healthier, more predictable real estate cycle — and that’s a win for everyone who actually wants to make a smart move without all the chaos.

If you want hyper-local insight (because in SoCal, one ZIP code can behave completely differently from the one next door), reach out anytime. I’m always here to help you navigate the market with clarity, strategy, and — when necessary — a friendly reality check.

BuyersSellers November 17, 2025

The 50-Year Mortgage: Smart Innovation or Trouble Waiting to Happen?

 

Every few years, the housing world tosses a new “solution” into the ring — and lately, the buzz is all about the potential arrival of the 50-year mortgage.
Yep… five-zero. Because apparently 30 years of payments just wasn’t enough cardio.

But behind the headlines and hot takes, there are real implications for buyers, sellers, and the overall market — especially here in Los Angeles and Ventura counties where affordability is the name of the game.

Let’s break down the good, the bad, and the “are we sure about this?”


Why a 50-Year Mortgage Is Even on the Table

Housing affordability has been stretched thinner than a Hollywood studio budget. Prices are high, interest rates are stubborn, and incomes aren’t exactly sprinting ahead. Extending the mortgage term is one way lenders could reduce monthly payments enough to get more buyers qualified — at least on paper.


THE PROS

1. Lower Monthly Payments

This is the headliner. Stretching the term to 50 years spreads the debt over a longer timeline, bringing down the monthly payment.
For first-time buyers, this could be the only path through the door — especially in high-cost markets like ours.

2. Improved Affordability (Sort Of)

If a buyer can finally qualify for that West Hills condo or Woodland Hills starter home, that’s a win. But it’s more “optical affordability” than true affordability. Still, it opens doors that might otherwise stay locked.

3. Potential Market Boost

More qualified buyers = more demand. Sellers could see stronger activity, especially at entry-level price points. In markets that have felt the sting of higher rates, this could be a shot of adrenaline.


THE CONS

1. You’ll Pay A Lot More Over Time

Let’s not sugar-coat it:
A 50-year term means dramatically more interest paid — possibly hundreds of thousands more. You get a smaller payment, but the trade-off is huge.

2. Slower Equity Growth

With such a long amortization schedule, early payments barely touch the principal.
Translation: it’ll feel like watching paint dry — except the paint is your equity.

3. Risk of Inflating Home Prices Even More

If more buyers suddenly “qualify,” price pressure goes up. And in markets already fighting affordability issues, this could pour gasoline on the fire.

4. Multi-Generational Debt?

Most people don’t want a mortgage that outlives their dog… let alone their career. A 50-year mortgage can easily stretch beyond retirement, which is far from ideal financial planning.


WHO BENEFITS MOST?

Buyers who plan to:

  • Stay long-term
  • Prioritize monthly payment over total cost
  • Invest extra money elsewhere at a higher return

Sellers might benefit from:

  • A larger buyer pool
  • Increased demand in price-sensitive segments
  • A possible bump in property values

But buyers looking to build equity fast?
This loan is not their friend.


SO… IS A 50-YEAR MORTGAGE A GOOD IDEA?

Like most things in real estate, it depends.

For some buyers, it’ll be a life raft.
For others, it’ll be a slow financial leak disguised as a great deal.

If it does hit the mainstream, the smart move will be to compare the monthly savings against the long-term cost — and weigh that against your lifestyle, timeline, and financial game plan.


FINAL THOUGHTS

In markets like LA and Ventura counties, where affordability is a constant battle, the 50-year mortgage will absolutely attract attention. But it shouldn’t be treated as a magic fix. It’s a tool — one that needs to be used carefully, strategically, and with a clear understanding of the long game.

If you want a personalized breakdown of how a 50-year mortgage could affect your buying or selling strategy here in the area, I’m always happy to walk you through the numbers.

Just say the word.

BuyersSellers November 14, 2025

U.S. Home Foreclosures Are Rising in 2025 — Red Flag or Normal Market Reset?

 

Foreclosures are climbing again in 2025 — and depending on who you ask, this is either a long-overdue return to normal or the first rumble before a storm. As of November 14th, national foreclosure filings have risen for eight straight months, up roughly 20% year-over-year, and pushing closer to pre-pandemic norms.

No, this isn’t 2008 all over again. We’re nowhere near the “1 in every 45 homes” freefall that defined the last major crisis. But ignoring what’s happening now would be like ignoring a smoke alarm because the house isn’t on fire — yet.

Homeowners are feeling the squeeze from every direction: inflation, sticky mortgage rates, insurance premiums in meltdown mode, and job softness in big metros. Put that together, and the uptick isn’t surprising — but what’s surprising is where it’s hitting the hardest.

Let’s break it down.


The Big Picture: What the Numbers Say

National foreclosure activity — which includes starts, auctions, and bank repossessions — continues to climb in 2025. Recent data shows:

  • October 2025: ~28,000 filings, rates around 1 in 3,871 homes
  • September 2025: 35,602 filings, the eighth straight month of increases
  • Q3 2025: Roughly 105,000 filings
  • First Half 2025: ~140,000 foreclosure starts
  • Q1 2025: 93,953 total filings; repossessions up 8%

The biggest driver? Foreclosure starts, which jumped 20% year-over-year in October. That’s the first official page of the foreclosure book — meaning more households are slipping behind early in the process.

The good news: homeowners still hold, on average, over $300,000 in equity. That equity has been absorbing a lot of shock. The caution flag: equity only protects those who have it, and FHA/VA borrowers — often with thinner margins — now make up over half of all serious delinquencies.


Where Trouble Is Growing the Fastest

Foreclosure pressure isn’t evenly distributed. It’s hitting hardest in states battling affordability issues, natural disaster insurance chaos, or economic instability:

Top 5 States With the Highest Foreclosure Rates

  1. Florida – 1 in ~2,200 homes
    Insurance premiums are up 40%+, and hurricane losses aren’t helping.
  2. Delaware – 1 in ~2,300
    High property taxes + tight affordability = trouble.
  3. Nevada – 1 in ~2,400
    Tourism swings are rippling into household budgets.
  4. South Carolina – 1 in ~2,500
    Insurance spikes along the coast; Columbia is a major hotspot.
  5. Illinois – 1 in ~2,600
    Chicago’s foreclosure pace remains elevated.

Hardest-Hit Metros

  • Lakeland, FL – 1 in 654
  • Columbia, SC – 1 in 694
  • Palm Bay, FL – 1 in 716
  • Bakersfield, CA – 1 in 720
  • Cleveland, OH – 1 in 721

Texas, Florida, and California still dominate the raw numbers simply because of size — but the per-unit trouble spots say more about underlying risks.


What’s Causing the Rise?

This isn’t random — and it isn’t a mystery. Several forces have been piling up:

  • Mortgage rate shock as ARMs reset from pandemic-era lows
  • Insurance premiums exploding, especially in coastal states
  • Inflation and rising consumer debt, which leave less buffer for emergencies
  • Job softness in construction, retail, hospitality
  • Equity gaps hitting FHA/VA borrowers disproportionately
  • Unwinding of COVID-era forbearances

Throw in ongoing policy debates around extended-term mortgages and we’ve got a cocktail that’s spooking economists — even if it hasn’t spilled over into a crisis.


What This Means Going Forward

Forecasts call for a 10–15% increase in foreclosure activity through 2026, assuming rates stay near today’s levels. A recession? That could double the pace.

For now, we’re seeing:

  • More “zombie foreclosures” (vacant, stuck in limbo)
  • More inventory from distressed sales — potentially softening prices in hotspots
  • More buyers jumping on discounted properties
  • More renters getting displaced

It’s a confusing time, but also an opportunistic one — depending on which side of the table you’re sitting on.


Final Take

The U.S. housing market isn’t falling apart, but it is shifting. We’re in a period where high rates, inflation, and insurance volatility are reshaping affordability and nudging more households into distress.

The question isn’t “Is this 2008 again?”
The question is “Who’s prepared — and who isn’t?”


Your Turn — Let’s Talk About It

Foreclosure trends touch everyone: buyers, sellers, investors, and homeowners trying to keep the lights on.

👉 What’s your take?
Are these rising numbers just the market normalizing — or do they feel like early warning signs?

👉 Have you noticed distress in your local market?
Tell me where you’re seeing pressure.

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BuyersSellers November 12, 2025

How to Survive Thanksgiving Without a Political Food Fight

Thanksgiving should be about gratitude, family, and good food — not verbal sparring matches over the stuffing. Yet in homes across the country, politics seem to sneak in like an uninvited side dish.

If you’re feeling that pre-holiday tension, you’re not alone. Surveys show more Americans are anxious about Thanksgiving gatherings because of political disagreements. The table’s set, but everyone’s quietly wondering who’s going to bring up the election first.

Here’s the good news — it doesn’t have to be that way. With a few intentional choices, you can keep the focus where it belongs: connection, laughter, and yes, pie.


1. Make It a Politics-Free Zone

If you’re hosting, set the tone early. A quick, friendly note like “Let’s give politics the day off — we’ve earned a break” goes a long way. Thanksgiving isn’t the place for debates — it’s for carbs and gratitude.


2. Keep the Conversation Light

When in doubt, steer things toward neutral ground:

  • “What’s the best meal you’ve had this year?”

  • “If you could teleport anywhere after dinner, where would you go?”

  • “What’s your funniest Thanksgiving memory?”
    Everyone relaxes when the talk shifts from opinions to stories.


3. Strategize the Seating

If your family includes a few “passionate debaters,” seat them far enough apart to keep the peace. Mix talkative folks with listeners, storytellers with the quieter types — balance is your friend.


4. Moderate the Pour

We all know liquid courage can turn into verbal chaos. Keep the drinks steady, not bottomless, and make sure everyone’s got enough to eat. A satisfied stomach beats an agitated ego every time.


5. Bring It Back to Gratitude

At its core, Thanksgiving is about appreciation — for family, for food, for another trip around the sun. Try going around the table and asking everyone to share one thing they’re thankful for. It’s simple, but powerful.


6. Have an Exit Strategy

If things start to heat up anyway, shift gears: take a walk, play a game, or cue up a favorite movie. A little distraction can save the day.


The Takeaway

You can’t control every personality in the room, but you can control the atmosphere. Lead with humor, keep things light, and focus on what unites you — not what divides you.

Because at the end of the day, Thanksgiving isn’t about proving a point. It’s about enjoying the people you love… and maybe snagging that last piece of pie before anyone else notices.

BuyersSellers November 10, 2025

A Heartfelt Thank You to the Kroenke Team for the Warner Center Vision

 

A Bold Vision Taking Shape in the Valley

The San Fernando Valley is about to shine brighter than ever — and we have the Kroenke Organization team to thank for that. Their commitment to transforming the Warner Center into a dynamic, mixed-use community shows the kind of vision that defines a generation.

With the 52-acre “Rams Village at Warner Center” project — anchored by the Los Angeles Rams headquarters, training facility, retail, residential, and nine acres of public open space — Kroenke isn’t just developing land; they’re creating opportunity, identity, and long-term community value.


Building More Than Structures — Building Community

As someone who’s worked this market for decades, I’ve seen plenty of projects come and go. But this one stands apart. It’s smart. It’s intentional. And it aligns perfectly with the Warner Center 2035 Plan — promoting a live, work, and play environment the Valley has been waiting for.

The collaboration with global architecture firm Gensler ensures the project not only looks exceptional but lives well — integrating public space, sustainable design, and timeless architecture that brings people together.


The Ripple Effect for Our Local Market

For Los Angeles and Ventura County real estate, this is a game-changer.
When developments like this take root, we see:

  • Increased property demand and values in surrounding neighborhoods
  • Expanded job opportunities and local economic strength
  • Renewed community pride and revitalization

It’s an exciting time to live and invest in the Valley — and I, for one, can’t wait to see it unfold.


Gratitude to the Kroenke Organization

To the leadership, architects, planners, and every hand shaping this vision — thank you. Your dedication to thoughtful development and long-term impact does not go unnoticed.

You’re not just building for today; you’re building a legacy that will benefit generations of Valley residents.


In Closing

From all of us here at Century 21 Valley Properties, we extend our gratitude and full support. The Warner Center project is a milestone moment for our community — and a sign that the best days for the Valley are still ahead.

If you’d like a detailed breakdown of how this project could influence home values or investment potential in the area, I’d be glad to provide insight.

Here’s to smart growth, strong communities, and a bright future ahead.

Warm regards,
Anthony Guetzoian
Broker/Owner | Century 21 Valley Properties
📞 818.266.1100
🌐 www.C21ValleyProperties.com