Free tools

Free calculators and checklists.

Run the numbers, see where you are and get your papers ready. Then call Angela for the real numbers on your home.

What will I walk away with?

Money left after a sale, split among heirs

Buyout calculator

Keep the home and buy out family or an ex-spouse

Where am I in probate?

Check off the steps and see what comes next

Papers you'll need

Printable checklists for each kind of sale

Monthly payment

With California property tax and insurance

Reverse mortgage quiz

Six yes-or-no questions for homeowners 62+

Selling, estates and family homes

For sellers, heirs and families

Calculator

What will I walk away with?

See about how much money is left after the sale, once the loan and the costs are paid.

Sale price $ Loans to pay off (mortgage, reverse mortgage, liens)$

Agent commission% Escrow, title and fees %

Repairs and clean-out $ Other costs (back taxes, HOA, etc.)$

How many people split the money? (heirs or owners)

Sale price

Loans paid off

Commission

Escrow, title and fees

County transfer tax ($1.10 per $1,000)

Repairs, clean-out and other

About what you walk away with

Each person gets about

Some cities add their own transfer tax on top of the county's. Not counted here: income or capital gains tax.

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Calculator

Keeping the house? Buyout calculator

If one person keeps the home, this shows about how much they would pay the others for their share.

Home value (get a free home value from Angela)$ Loan balance $ Share being bought out (50% for 2 equal owners, 66.7% if you buy out 2 of 3)% Take off selling costs? (some families take off 5-8% because no sale happens)%

Home value

Loan balance

Selling costs taken off

Equity (what the home is worth to the owners)

About the buyout amount

Need a loan to pay it? Our lending side can help. Home loan options

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Interactive checklist

Where am I in probate?

Check off the steps that are done. We'll show you what comes next. Every case is different, so your attorney has the final word.

Gather the papersFind the will (if there is one), get copies of the death certificate, and find the deed and loan statements for the home.How we help: We can help you find the deed and loan info.
Hire a probate attorneyMost families use an attorney. They file the Petition for Probate with the court.How we help: We can refer you to probate attorneys we know.
First court hearingThe judge names the executor or administrator. This often takes a few weeks to a few months after filing.How we help: Meanwhile we can secure the home and check its value.
Get your LettersThe court gives you Letters. This paper lets you act for the estate, including selling the home.How we help: Now we can plan the sale with your attorney.
Notices and inventoryCreditors get notice. A probate referee sets the official value of the home for the court.How we help: We give you a market price opinion to compare.
Get the home readyClean-out, repairs if they pay off, or sell as-is.How we help: We line up clean-out, repair and cleaning help.
List and take an offerThe home goes on the market and you accept the best offer.How we help: We market the home and negotiate for you.
Notice or court confirmationFull authority: heirs get a Notice of Proposed Action. Limited authority: the court holds a hearing and others can bid more.How we help: We prepare buyers for the court process.
Close escrowThe sale closes and the money goes to the estate account.How we help: We track every deadline until closing day.
Final accountingThe attorney files the final papers and the money is split among the heirs.How we help: Our part is done, but we're always a call away.

Your checkmarks are saved only on this device. This is general information, not legal advice.

Printable checklist

Papers you'll need

Check off what you have. Print it or bring it to your first meeting with Angela.

Papers for a probate sale

Certified copies of the death certificate
The will (if there is one)
Letters Testamentary or Letters of Administration from the court
Your attorney's name, phone and email
Grant deed for the home
Latest mortgage or reverse mortgage statement
Property tax bill
Home insurance policy (tell the insurer the home may be empty)
HOA name and contact (if any)
Keys, garage remotes and gate codes
Utility accounts (power, water, gas)
List of heirs and how to reach them

Papers for a trust sale

Certified copies of the death certificate
The trust and any changes (amendments)
Certification of trust (short summary your attorney can sign)
Your ID as trustee
Grant deed showing the trust owns the home
Latest mortgage statement
Property tax bill
Home insurance policy
Keys, remotes and codes
List of beneficiaries and how to reach them

Papers for a divorce sale

Court order or settlement terms about the home (if any)
Both attorneys' names and contact info
Grant deed
Latest mortgage and any home equity loan statements
Property tax bill
Home insurance policy
HOA info (if any)
List of repairs or upgrades and receipts
Agreed plan for showings and who stays in the home

Papers for a selling a home

Your ID
Grant deed
Latest mortgage statement
Property tax bill
HOA info and documents (if any)
Permits and receipts for upgrades
Warranties for appliances, roof or solar
Solar lease or loan papers (if any)
Keys, remotes and codes
List of things that stay or go with the home

Papers for a buying a home

Photo ID
Last 2 pay stubs
Last 2 years of W-2s or tax returns
Last 2 months of bank statements
Proof of down payment money
Gift letter (if family is helping)
Pre-approval letter
List of must-haves and nice-to-haves

Buying and home loans

For buyers and homeowners

Calculator

Monthly payment calculator

See about what a home would cost each month, with California property tax and insurance included.

Home price $

Down payment % Interest rate %

Loan length Property tax % / yr

Home insurance $/ yr HOA $/ mo

Loan amount

Principal and interest

Property tax

Insurance

Mortgage insurance (less than 20% down)

HOA

About your monthly payment

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Calculator

How much house can I afford?

A quick guess based on your income and monthly debts. A loan officer can give you the real number.

Household income (before taxes) $/ yr Monthly debt payments (car, student loans, credit cards)$/ mo Money for down payment $

Interest rate % Property tax % / yr

Home insurance $/ yr HOA $/ mo

Comfortable price

Monthly payment at that price

Stretch price

Monthly payment at that price

Comfortable = all debts about 36% of income. Stretch = about 43%. 30-year loan.

Get pre-approved

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Calculator

Refinance and cash-out

Compare your loan today with a new one. See your new payment, any cash you take out, and when it pays off.

Loan balance now $ Rate now %

Years left on your loan

New rate % New loan length

Cash you want to take out $ Closing costs $

Payment now (principal + interest)

New payment

Monthly change

New loan amount

Closing costs paid back in

Assumes closing costs are paid in cash. Taxes and insurance not included.

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Quick quiz

Could a reverse mortgage work for me?

Six yes-or-no questions. No numbers, no personal info.

Is the youngest owner 62 or older? Yes No Not sure

Is this home where you live most of the year? Yes No Not sure

Do you own the home outright, or owe less than about half of what it's worth? Yes No Not sure

Can you keep paying property tax, insurance and upkeep? Yes No Not sure

Is it a house, a townhome, an approved condo, or a 2-4 unit home you live in? Yes No Not sure

Are you current on any federal debts (like federal student loans or IRS payment plans)? Yes No Not sure

This quiz is a first check only. A reverse mortgage (HECM) needs a talk with a HUD-approved counselor before you apply, and every loan is subject to approval.

Not sure where to start?

Call Angela. No pressure and no cost to talk. Just honest answers about your home and your options.

Call (626) 483-6135

Send a message

Free calculators and checklists.

What will I walk away with?

Buyout calculator

Where am I in probate?

Papers you'll need

Monthly payment

How much can I afford?

Refinance and cash-out

Reverse mortgage quiz

For sellers, heirs and families

What will I walk away with?

Keeping the house? Buyout calculator

Where am I in probate?

Papers you'll need

Papers for a probate sale

Papers for a trust sale

Papers for a divorce sale

Papers for a selling a home

Papers for a buying a home

For buyers and homeowners

Monthly payment calculator

How much house can I afford?

Refinance and cash-out

Could a reverse mortgage work for me?

Not sure where to start?

First Legacy Realty