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CalHFA Spotlight at WEREP: Empowering First-Time Homebuyers in Rancho Cucamonga

On Friday, February 7th, the West End Real Estate Professionals (WEREP) meeting in Rancho Cucamonga featured an impactful presentation from Leanne Walker of the California Housing Finance Agency (CalHFA)—and it was packed with timely insight for agents serving today’s first-time buyers. 🎯

Meet the Speaker: Leanne Walker, CalHFA

Leanne Walker has been with CalHFA since February 2003, serving in multiple roles across the organization. She currently works as a Training and Outreach Specialist in the Single Family Lending Unit, where she educates industry professionals on CalHFA programs and how to best position borrowers for success.

Kicking things off, the opening speaker introduced Leanne and set the stage for a concise, high-value overview—something Leanne humorously noted after speaking the day prior in Seymour and promising to keep this session tight and practical. (Mission accomplished. 👏)

CalHFA at a Glance: 50 Years of Impact

Founded in 1975, CalHFA recently celebrated 50 years of service. In that time, the agency has helped more than 230,000 Californians achieve homeownership. Its core mission remains clear:

Make homeownership more accessible—especially for first-time buyers.

The #1 Challenge for First-Time Buyers? Down Payment 💸

Leanne emphasized what agents see every day in the field:
the biggest obstacle for first-time homebuyers is the down payment.

This is where CalHFA shines.

Through a network of 100+ approved lenders, CalHFA offers down payment assistance programs designed to bridge the affordability gap and help qualified buyers get into homes sooner—without exhausting their savings.

🔑 Key Reminder for Agents:
Borrowers must work with a CalHFA-approved lender to access these programs—making lender relationships and education critical.

What’s Coming Next: “Dream For All”

While this session focused on CalHFAs overall mission and structure, Leanne shared that she would be diving deeper into CalHFA’s “Dream For All” program later in her presentation—one of the most talked-about initiatives in California housing today.

(Translation: if you work with first-time buyers and you’re not fluent in this program yet… it’s time. ⏰)

Why This Matters for Inland Empire Agents

Educational moments like this—hosted through WEREP and supported by industry partners like Fidelity National Title, Ryan Orr, and Team Title Guy—are exactly how agents differentiate themselves in a competitive market.

First-time buyers are still out there.
They’re just looking for clarity, confidence, and the right strategy.

And programs like CalHFA help turn “maybe someday” into “we’re under contract.” 🏡✨

For more information on CalHFA programs, approved lenders, and upcoming initiatives, visit: https://www.calhfa.ca.gov

Partnering with Attorney Jennifer Felton to Elevate Real Estate Education

Today marked a powerful collaboration focused on one mission: protecting consumers and empowering clients through education.

I had the opportunity to record a new video series with respected real estate attorney Jennifer Felton at her office in Westlake Village. When legal expertise and title expertise come together with the shared goal of clarity, the result is meaningful guidance that helps buyers, sellers, agents, and investors avoid costly mistakes and move forward with confidence.

As a representative of Fidelity National Title, my focus has always been proactive education. Recording alongside Jennifer allowed us to break down:

  • Common legal and title issues that surface during escrow
  • Vesting and ownership concerns
  • Fraud prevention and risk awareness
  • How attorneys and title professionals work together to protect transactions
  • Real-world scenarios that consumers and agents frequently encounter

This type of collaboration reflects the heart of what Ryan Orr and Team TitleGuy stand for: strategic partnership, clear communication, and industry leadership.

When experienced legal counsel and title professionals align, the transaction becomes safer, smoother, and more predictable for everyone involved. These upcoming videos are designed to serve as a resource not just for real estate agents, but for clients who want to better understand the legal and title components behind one of life’s biggest financial decisions.

I’m grateful for the opportunity to collaborate with one of the best in the business and look forward to sharing the finished content soon.

Inland Empire Real Estate Outlook 2025–2026: Insights from Randall W. Lewis | Powered by Fidelity National Title

Summary

The Inland Empire real estate market continues to evolve—and understanding where it’s heading is critical for Realtors, builders, investors, and homeowners alike.

Recently, Randall W. Lewis, senior executive at Lewis Group of Companies, shared a comprehensive outlook on the regional and national real estate landscape, offering valuable insights into housing, commercial development, and long-term market trends shaping Southern California and Nevada.

Market Performance: 2025 Review & 2026 Outlook

Lewis described 2025 as an “okay” year overall. New home sales were supported by incentives such as interest-rate buy-downs, while the Inland Empire apartment market stabilized after a period of excess inventory. Retail real estate stood out as a strong performer, driven by population growth and rising local incomes.

In contrast, the industrial market—once one of the hottest sectors—has seen a notable slowdown due to tariffs, global trade concerns, and shifting demand, with potential ripple effects on employment across the region.

Looking ahead to 2026, Lewis expects conditions similar to 2025, while emphasizing the importance of risk management and “covering the downside” amid economic uncertainty.

Lewis Group Strategy & Regional Development

The Lewis Group continues to thrive due to a diversified approach that includes land sales, apartments, retail centers, and master-planned communities. Active and upcoming projects span:

  • Rancho Cucamonga, Chino, Ontario, Fontana, Rialto
  • Ventura County, Glendora, La Verne, Downey, Norwalk
  • Expansion in Nevada, including Reno and Las Vegas

Major regional infrastructure projects—such as the Rancho Cucamonga baseball stadium, Ontario sports complex, and the high-speed rail connection to Las Vegas—are expected to further influence growth patterns across the Inland Empire.

Key Trends Shaping Housing Demand

Several long-term trends are driving opportunity:

  • Aging population (55–105) with demand for lifestyle-oriented communities
  • Built-for-Rent (BFR) single-family housing, with thousands of homes in development
  • Generational wealth transfer, largely tied to housing equity
  • Increased focus on higher density, mixed-use, and transit-oriented development
  • Growing reuse and repurposing of underperforming land (retail, schools, churches)

Design trends are shifting back toward classic architecture, flexible living spaces, home offices, storage, and fire-resilient construction—all influenced by affordability, insurance, and lifestyle changes.

Advice for Real Estate Professionals

Lewis encouraged industry professionals to:

  • Support local elected officials who advocate for responsible development
  • Stay actively educated and embrace AI as a business-enhancing tool
  • Understand that institutional homeownership represents only a small fraction of the market
  • Prepare for evolving affordability challenges tied to energy costs and regulation

At Fidelity National Title, conversations like these reinforce why education, data, and strategic partnerships matter more than ever. As shared by Ryan J Orr of Team Title Guy, staying informed allows Realtors to better guide clients, navigate uncertainty, and seize opportunity—no matter the market cycle.

2026 California Real Estate Law Changes: What Inland Empire Realtors Need to Know Now

As we head into 2026, California real estate professionals—especially those working in the Inland Empire and Rancho Cucamonga markets—are facing one of the most impactful years of legislative and compliance change in recent history.

At TeamTitleGuy, powered by Fidelity National Title, our role goes far beyond opening escrow. We serve as a strategic partner to Realtors, lenders, and investors by helping them stay informed, compliant, and protected in an increasingly complex real estate landscape.

Below is a breakdown of key 2026 California real estate law updates that every agent, broker, and escrow professional should understand—and how working with one of the top title companies in the Inland Empire can make all the difference.

Why 2026 Is a Pivotal Year for California Real Estate

Legislative changes coming in 2026 affect:

  • Disclosures
  • Compliance and reporting
  • Investor and trust transactions
  • HOA governance
  • Accessory Dwelling Units (ADUs)
  • All-cash purchases and FinCEN reporting

These changes are not theoretical. They will directly impact how deals are structured, how quickly escrows close, and how risk is managed—especially in high-volume markets like Rancho Cucamonga, Jurupa Valley, and greater Riverside and San Bernardino Counties.

Key 2026 California Real Estate Legislative Updates

Based on Fidelity National Title’s 2026 Legislative Overview KCV-FNT01-2026-0108-CA-Legislat…, here are the most important updates Realtors should be discussing with their title partner now, not later.

🔍 FinCEN Residential Real Estate Rule (RRER) – Effective March 1, 2026

This is one of the biggest compliance shifts affecting real estate transactions nationwide.

  • Applies to all-cash purchases of 1–4 unit residential properties
  • Includes legal entities and trusts
  • Requires new reporting forms and buyer/seller disclosures
  • Designed to combat money laundering and fraud

📌 Why this matters:
If you work with investors, trusts, or LLC buyers, your title company must guide you through this correctly. Mistakes here can delay or derail closings.

🏠 New Disclosure: Tobacco & Nicotine Residue (AB 455)

Sellers must now disclose:

  • Known tobacco or nicotine residue
  • Any history of smoking on the property

This applies to transactions requiring a Transfer Disclosure Statement (TDS).

📌 Why this matters:
This is a brand-new disclosure risk. Realtors who miss this could expose themselves—and their clients—to post-close liability.

🧾 HOA Fines & Balcony Inspections (AB 130)

  • HOA fines capped at $100 for most violations
  • Homeowners can cure violations prior to hearings
  • Balcony and exterior element inspections must be completed by January 1, 2026
  • Extended timelines allowed if asbestos is present

📌 Why this matters:
HOA-related delays are already one of the most common escrow killers. Understanding these rules protects timelines and clients.

🏘️ ADUs & JADUs Expansion (AB 1154)

  • Allows creation of Junior ADUs (JADUs) when the owner lives in the single-family residence

📌 Why this matters:
ADUs continue to be a massive value-add opportunity in Inland Empire neighborhoods. Title clarity is critical when marketing these properties.

🏛️ Trust & Recorded Document Updates (AB 565 & SB 255)

  • Trust beneficiaries must receive notices for specific trust actions
  • Counties must establish recorder notification programs

📌 Why this matters:
Trust sales are common in Rancho Cucamonga and surrounding areas. Clean title and proper notice prevent last-minute surprises.Why Realtors Choose TeamTitleGuy in Rancho Cucamonga & the Inland Empire

There are many title companies—but very few true title partners.

TeamTitleGuy, led by Ryan Orr, is recognized as one of the most trusted names among Realtors searching for:

  • Top title company in Rancho Cucamonga
  • Inland Empire title experts
  • Ryan Orr title company
  • TeamTitleGuy Fidelity National Title

What sets us apart:
✔ Proactive legislative education
✔ Investor-friendly expertise
✔ Trust & probate transaction experience
✔ Real-time problem solving—not canned answers
✔ Strong relationships with attorneys, escrow, and lenders

Our Commitment to Realtor Education in 2026

Education is not optional in today’s market—it’s your competitive edge.

That’s why TeamTitleGuy and Fidelity National Title actively host and support:

  • Legislative updates
  • Market Minute podcasts
  • Realtor trainings
  • Industry dinners and panels
  • One-on-one strategy sessions

If you want to position yourself as the expert your clients rely on, your title company must be part of that strategy.

Let’s Get You Prepared for 2026

If you’re a Realtor, lender, or investor in the Inland Empire or Rancho Cucamonga, now is the time to align with a title team that understands where the market—and the law—is going.

📍 Want to review how these laws affect your deals?
📍 Need help navigating FinCEN reporting?
📍 Looking to protect your transactions before issues arise?

Reach out to Ryan Orr and TeamTitleGuy today.

Know Before You Close: How TRID Calendars Impact Real Estate Closings (and Why Dates Matter More Than Ever)

In real estate, dates aren’t suggestions—they’re deal-makers. One missed day can mean a delayed closing, frustrated clients, rate lock issues, or worse… a blown transaction.

That’s exactly why the TRID Calendar exists.

Under the CFPB’s “Know Before You Owe” rule—formally known as TRID (TILA-RESPA Integrated Disclosure)—buyers are protected by mandatory disclosure timelines that directly impact when a transaction can legally close. Understanding these timelines isn’t optional; it’s essential for Realtors, lenders, escrow officers, and consumers alike.

What Is TRID, Really?

TRID was created by the Consumer Financial Protection Bureau (CFPB) to simplify and standardize mortgage disclosures. It replaced older, confusing forms (the Good Faith Estimate, HUD-1, and TILA disclosures) with two clear documents:

  • Loan Estimate (LE)
  • Closing Disclosure (CD)

The goal? Transparency, clarity, and no last-minute surprises.

The Two Disclosures That Control Your Closing

1. Loan Estimate (LE)
Provided within three business days of loan application, the Loan Estimate outlines:

  • Loan terms
  • Interest rate
  • Monthly payment
  • Estimated closing costs

This allows buyers to shop, compare, and understand their loan early—before they’re emotionally or financially locked in.

2. Closing Disclosure (CD)
The Closing Disclosure is where timing becomes critical.

Federal law requires the CD be received by the borrower at least THREE business days before signing. Not hours. Not “about three days.”Three full business days.

This rule gives buyers time to:

  • Review final numbers
  • Compare them to the Loan Estimate
  • Ask questions or dispute discrepancies

And yes—the clock matters.

Why the TRID Calendar Is a Game-Changer

The TRID Calendar visually maps out:

  • When the Closing Disclosure must be delivered
  • Whether it’s delivered electronically, by hand, or by mail
  • How weekends and federal holidays affect the timeline

For example:

  • A CD delivered by mail adds three additional business days
  • Sundays and federal holidays do not count
  • The“three-day rule” is measured in days—not 72 hours

These nuances are clearly illustrated in the 2026 TRID Calendar provided by Fidelity National Title, including month-by-month delivery and signing scenarios.

How TRID Directly Impacts Real Estate Closings

Here’s where deals either stay smooth—or get bumpy:

  • Contract close dates must account for CD delivery timing
  • Last-minute loan changes can reset the TRID clock
  • Rate lock expirations can be affected by miscalculated dates
  • Poor planning creates unnecessary stress for buyers and sellers

Experienced professionals plan backward from the signing date, not forward from contract acceptance.

Why Team Title Guy & Fidelity National Title Matter

At Team Title Guy, powered by Fidelity National Title, we don’t just open escrow—we protect timelines.

Our team works closely with Realtors and lenders to:

  • Calculate accurate TRID delivery dates
  • Identify potential timing conflicts early
  • Educate agents and clients before problems arise
  • Keep escrows compliant, predictable, and on schedule

In a market where consumers are cautious and details matter more than ever, expert title and escrow guidance is a competitive advantage.

Bottom Line

TRID isn’t red tape—it’s consumer protection. But without proper planning, it can derail an otherwise solid transaction.

Know the rules. Respect the calendar. Work with professionals who live in this space every day.

If you want clean closings, confident clients, and fewer surprises, make sure your title and escrow partner knows TRID inside and out.

And yes—we do.

California Property Taxes Are Due Now — What Homeowners and Realtors Need to Know Before December 10th


Understanding California’s Property Tax Cycle
As we roll through November, it’s officially property tax season in California — and if you own real estate, your first installment is due now. Property taxes become delinquent after December 10th, which means any unpaid balance after that date will start accruing penalties and interest.
According to the Fidelity National Title Property Tax Guide, tax bills are typically mailed out the last week of October, and the first installment covers the period from July 1st through December 31st. The second installment, due in the spring, covers January 1st through June 30th and becomes delinquent after April 10th.

How This Impacts Pending Escrows
If you’re a Realtor, lender, or homeowner in escrow right now, here’s a key reminder:
If your escrow is scheduled to close before the property tax payment shows as “paid” on the county website — even if you’ve already mailed or submitted the payment — the escrow company must treat those taxes as unpaid.
In that situation, your title and escrow team will either:
:white_tick: Require proof of payment, or
:moneybag: Hold funds upon request until the payment posts to the county records.
This protects both the buyer and seller from future liens or unexpected tax obligations — and ensures the title remains clear through closing.

Avoid the December Rush
It’s always better to pay early and verify payment has cleared before your closing date.
 Visit your county treasurer-tax collector’s website to confirm payment status or to pay online.

  • Due Date: November 1st
  • Delinquent After: December 10th
  • Penalty: 10% of the unpaid amount

Don’t let a small delay become a big headache!
Your Trusted Partner in Real Estate
At Fidelity National Title and Team Title Guy, we work hard to keep your transactions smooth, compliant, and on time — from title searches to prorations and tax verifications.
If you’d like a copy of our California Property Tax Guide, or want to learn how title and escrow teams can help prevent surprises at closing, contact us anytime.

Bonus Reminder — Operation Community Cares 
This Saturday, November 15th, we’re packing care boxes for our deployed service members through Operation Community Cares — “sending a bit of home for the holidays.”
 Join us or donate here: :point_right: OperationCommunityCares.org