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Resources

Free calculators, roadmaps, and the official California links buyers, sellers, and heirs need most, plus the partner businesses we work with on financing and paperwork.

Calculators
Roadmaps and checklists
Official California links
Our partners

16 free calculators

Run your numbers

Every calculator runs in your browser. Nothing you type is stored or sent, and every rate and threshold is yours to change. Pick the group that matches where you are.

Buying

Home Affordability + DPASee the price range your income supports, with down payment assistance factored in.
Bank-Statement Loan IncomeSelf-employed? Estimate the income a lender will count from your deposits.
HECM for Purchase62 or older and downsizing? See how much a reverse mortgage can cover.

Selling

Home Sale Net ProceedsEstimate what you walk away with after payoff, commission, and closing costs.
Foreclosure Reinstatement and EquityBehind on payments? Compare the cost to catch up with the equity a sale could protect.

Property tax

Prop 19 Tax-Base Transfer55 or older and moving? Estimate the property tax base you can bring with you.
Prop 19 Value Comparison TestCheck how your replacement home's price affects your new assessed value.

Building and home equity

ADU Cost and ROIWeigh the cost of an ADU against the rent it could bring in.
Construction Loan Draw and InterestEstimate interest-only payments while the build is underway.
HELOC vs Cash-Out RefinanceKeep your low first mortgage, or refinance it? Compare the first-year cost.

Investing

Cap RateCompare income properties by their return on price.
Net Operating Income (NOI)Find what a property earns after vacancy and operating costs.
DSCRCheck whether the rent covers the loan the way a lender requires.

Advanced investing

Fix-and-Flip 70% RuleFind your maximum offer and estimated profit on a flip.
1031 Exchange Tax DeferralSee how much capital gains tax and recapture an exchange could defer.
Self-Directed IRA Non-Recourse LTVSize a non-recourse loan when your IRA buys real estate.

Free downloads

Roadmaps and checklists

Step-by-step plans you can keep beside you through the process.

Buyer Roadmap

The order of operations from first conversation to keys in hand, so you always know what comes next.

Get the roadmap

Selling Blueprint

How to prepare, price, and launch your home so it sells for the most the market will pay.

Get the blueprint

Straight from the source

Official California links

The state sites we send clients to most. Each opens in a new tab.

Check who you're working with

DRE Public License LookupConfirm any real estate agent or broker is licensed in California.
NMLS Consumer AccessLook up any mortgage company or loan officer's license.

Buying and property tax

CalHFA Homebuyer Loan ProgramsState loan and down payment assistance programs.
Proposition 19, Board of EqualizationThe official rules for tax-base transfers and inherited homes.
Fire Hazard Severity Zone MapLook up a property's fire zone before you buy or insure it.

Inheritance and local offices

California Courts Probate Self-HelpWhat happens to property after someone dies, and when court is needed.
County offices by regionAssessor, recorder, and planning links are on each region's page.

The Ashlar Brands family

Our partners

Two partner businesses handle the financing and paperwork that often come with a move, so you can keep everything under one roof if you'd like. Using them is always your choice.

Ashlar Lending

Mortgage broker, Roseville · NMLS #2699657

Shops your loan across institutional, agency, non-QM, and private lenders: purchase and refinance, investor and DSCR loans, construction, and commercial financing.

Visit Ashlar Lending

Ashlar LDA

Legal Document Assistant, Sacramento · Reg. #2026109426

Prepares probate, trust, deed, eviction, and business formation paperwork at your direction, for a flat fee. Not a law firm.

Visit Ashlar LDA

Affiliated businesses. Serve First Realty Inc. (California DRE# 02133513) shares common ownership with the businesses named on this page. You are never required to use an affiliated business, and you are free to choose any provider. See our Disclosures.

Ashlar Lending Inc. is a mortgage broker, NMLS #2699657. Loan originator: Guillermo Serafin, NMLS #1176274. NMLS Consumer Access: www.nmlsconsumeraccess.org. Not a commitment to lend; loan approval, rates, and terms are set by the lender.

Ashlar LDA, Inc. is a registered Legal Document Assistant (LDA) service and is not a law firm. Guillermo Serafin is not an attorney and cannot provide legal advice, representation, or court appearances. All legal documents are prepared at the direction of and based solely on the instructions provided by our clients. “I am not an attorney. I can only provide self help services at your specific direction.” Ashlar LDA, Inc. | 2108 N Street, Suite N, Sacramento, CA 95816 | (310) 872-7960 | California LDA Registration #2026109426 • County: Los Angeles • Expires 05/05/2028 • Bond #GM261231