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🏡 How REALTORS® Can Instantly Estimate Property Taxes with FidelityPassport.com

Empower your buyers and sellers with clarity, confidence, and credibility.
When it comes to closing real estate transactions in today’s Inland Empire market, information is leverage. One of the most common — and often confusing — questions agents face is:
“What will my property taxes be after I buy this home?”
With FidelityPassport.com, that answer is now just a few clicks away.

🔍 What Fidelity Passport Can Do for You
Fidelity Passport isn’t just another title tool — it’s your one-stop data hub for property intelligence. In seconds, you can:

  • Pull current property tax details for any California property
  • View the current effective tax rate on record
  • Estimate the new tax rate based on your buyer’s projected purchase price
  • Calculate the supplemental tax bill that often catches new homeowners off guard

This means you can clearly explain to buyers what to expect after closing, and help sellers understand how their property compares — turning complex data into confident decisions.

💡 Why It Matters for REALTORS®
Top agents win business by being trusted advisors. Understanding and communicating tax impacts instantly builds credibility, especially in conversations with first-time buyers or out-of-area clients unfamiliar with California’s property tax nuances.
When you can provide clear, accurate tax estimates, you elevate your value and remove uncertainty from the transaction — one of the key drivers of client trust and referral business.

🧭 How to Get Started
If you already have a Fidelity Passport account but haven’t used the property tax estimator, reach out — I’ll personally walk you through it in just a few minutes, either in person or via Zoom.
If you don’t yet have an account, let’s fix that! I’ll help you get access so you can start running real-time tax projections for your clients today.

🎯 Because at Fidelity National Title Inland Empire, our goal is to help you know, grow, and close with confidence.
Let’s win together.

Unlock the Power of Target Marketing with FidelityTotalFarm.com

In today’s competitive real estate market, strategic marketing isn’t optional—it’s essential. The most successful agents across the Inland Empire and beyond aren’t relying on luck; they’re leveraging data-driven farming strategies that pinpoint opportunity before their competitors even know it’s there.
That’s where FidelityTotalFarm.com comes in

This powerful platform takes traditional geographic farming to the next level—combining predictive analytics, life event triggers, and turnover ratios to help you identify homeowners who are most likely to sell in the near future.
No more guesswork. No more wasted marketing dollars. Just smart, focused prospecting built around real-time intelligence.

Here’s what makes Fidelity Total Farm a game-changer:

✅ Micro-Farm Targeting: Drill down to the neighborhoods that matter most to your business.

✅ Predictive Analytics: Understand which properties are most likely to list next based on historical patterns and homeowner behavior.

✅ Turnover Ratios & Life Events: Target the data that matters—marriage, divorce, refinance, or tenure changes—all indicators of potential movement.

✅ Ease of Use: Simple, intuitive dashboard and interactive maps that make data easy to visualize and act on.

✅ Mobile App Access: Take your farm with you—research, plan, and connect while out in the field or between appointments.

With Fidelity Total Farm, you can segment and personalize your outreach like never before. Whether it’s postcards, emails, social media ads, or personal touches, this tool helps you make smarter moves that generate real results.

Ready to dominate your farm?
Let’s schedule time to break down your market area together and show you how to ratchet up your success using Fidelity Total Farm.

➡️ Visit: www.FidelityTotalFarm.com

AB 238 – Mortgage Forbearance Act Provides Relief for Homeowners in Wildfire-Affected Areas

When disaster strikes, families need more than just hope—they need real solutions. With the recent Los Angeles wildfires leaving homes destroyed and families displaced, Assembly Bill 238 (AB 238), also known as the Mortgage Forbearance Act, has been signed into law to provide urgent financial relief for impacted homeowners.


What AB 238 Does
AB 238 allows eligible homeowners whose properties were destroyed or rendered uninhabitable by the wildfires to request mortgage payment forbearance. This means:
An initial forbearance period of 90 days, with the option to extend in 90-day increments for up to 12 months.Protection against late fees, penalties, extra interest, foreclosure proceedings, and negative credit impacts.Requirements for mortgage servicers to respond within 10 business days to forbearance requests, provide clear explanations for denials, and notify borrowers of documentation needed for extensions.Additionally, the California Department of Financial Protection and Innovation (DFPI) will oversee compliance and provide homeowners with resources, guidelines, and a borrower assistance hotline.


Why This Matters
The aftermath of the Los Angeles wildfires has devastated communities—not only through the destruction of homes, but also through the financial strain placed on families. AB 238 ensures that impacted homeowners can focus on recovery, rebuilding, and receiving insurance payouts without the immediate fear of foreclosure.


At Fidelity National Title, we believe in standing with our communities in times of crisis. As the top title company and trusted partner to real estate professionals, our mission is to provide clarity, resources, and guidance—helping homeowners and agents alike navigate challenges with confidence.


If you or your clients have been impacted, contact your mortgage servicer immediately to explore forbearance options under AB 238. For additional assistance, you can also reach out to DFPI or visit the official resources linked below.


📞 Call/Text Ryan J. Orr at (909) 767-0718 or visit TeamTitleGuy.com to schedule a strategy session today.

Safeguarding U.S. Financial Systems: What Realtors & Clients Need to Know About the New FinCEN Anti-Money Laundering Rules

Starting December 1, 2025, a new nationwide rule will reshape the way residential real estate transfers are reported in the United States. The Financial Crimes Enforcement Network (FinCEN) is rolling out updated Anti-Money Laundering Regulations designed to protect the integrity of U.S. financial systems.

Here’s what you need to know:

🚨 Key Points of the New Regulations

• Covered Transactions: Primarily cash purchases of residential real estate by legal entities or trusts.

• Reportable Properties: Includes single-family homes, condos, townhomes, co-ops, apartment buildings, and vacant land intended for 1–4 unit residential construction.

• Nationwide Coverage: Applies in all states, Washington D.C., Puerto Rico, and Native American lands.

• Reporting Requirement: Settlement agents (often escrow or title) must report details on property, buyers, beneficial owners, funding sources, and payment methods.

• Reporting Persons: Generally, the closing or settlement agent unless otherwise designated.

🛠️ 5 Steps to Prepare Now

-> Understand the Rule – Review FinCEN’s FAQs and guidance.

-> Work with Legal & Compliance Teams – Avoid penalties by staying compliant.

-> Monitor & Audit – Track updates and changes to reporting requirements.

-> Leverage Technology – Use tools to streamline reporting and accuracy.

-> Train Your Team – Educate staff and update procedures before December 1.

💡 Why This Matters for Realtors & Clients

For real estate professionals, this means greater transparency in transactions and an expanded role for title and escrow teams. At Fidelity National Title – the top title company in Rancho Cucamonga, Upland, Fontana, and the Inland Empire – we’ re committed to making sure our partners and clients stay ahead of the curve.

Our team is already preparing systems, training, and technology to ensure a smooth transition. Whether you’ re a Realtor guiding clients through these changes or a buyer navigating cash transactions, we’ re here to protect your deals and safeguard your future.

📣 Want to learn more? Reach out to Team Title Guy at Fidelity National Title – your partner in compliance, protection, and success.

Proposition 19 Explained: What It Means for Homeowners, Buyers, and Realtors in the Inland Empire

When it comes to California real estate, few changes have been as impactful as Proposition 19. For homeowners, buyers, and Realtors in the Inland Empire, understanding this law isn’t optional—it’s essential. That’s where my team and I come in.

At Team Title Guy – Fidelity National Title, we don’t just process transactions; we provide the knowledge base and strategic insights that help you make the best decisions in today’s competitive market. Proposition 19 has very specific rules about property tax base transfers and inherited properties, and those rules can directly affect your next escrow or title transaction.

Here’s What You Need to Know:

✅ Property Tax Base Transfers – Seniors (55+), those who are severely disabled, and wildfire/natural disaster victims may now transfer their tax base anywhere in California, up to three times in their lifetime.

✅ Inherited Properties – The parent-to-child and grandparent-to-grandchild exclusions have been narrowed. The inherited property must be used as a primary residence (or family farm), and there are market value limits to consider.

✅ Disaster Relief Transfers – Proposition 19 expands options for homeowners impacted by wildfires and natural disasters, allowing base year transfers across counties statewide.

The takeaway? These rules can either save your clients thousands—or cost them dearly—depending on how they’re handled. That’s why partnering with a knowledgeable title team makes all the difference.

Why Work With Team Title Guy?

We are your trusted advisors in navigating Proposition 19 and beyond. Our team translates complex rules into clear strategies that:

  • Help Realtors win more listing presentations.
  • Protect homeowners’ financial futures.
  • Ensure buyers make smart, informed decisions.

👉 Don’t risk leaving money on the table. Let’s walk through how these changes could affect you or your clients.

📞 Call/Text Ryan J. Orr at (909) 767-0718 or visit TeamTitleGuy.com to schedule a strategy session today.

C. A. R. Legal Counsel Gov Hutchinson Speaks at WEREP in RC.

Summary

The speaker Gov Hutchinson provides updates on California real estate law changes, focusing on buyer broker agreements, fire zones, HOA regulations, cash transactions, lease agreements, and rent control. Key changes include the extension of buyer broker contract requirements to all property types, the defensible space inspection requirements, and regulations on HOAs.

Key topics

Buyer Broker Agreements

Showing properties without a contract: Now applies to all property types (residential, commercial, land, industrial, farm).

Contracts can’t be shown without a buyer broker, with the exception of showing your own listings or listings within your brokerage.

Contract Length: Maximum length changing from three months to 90 days in November.

Property Show Raymond: A short version of the buyer contract. Good for open houses.

Buyer’s Agent Compensation: Buyer must agree to the amount in the contract, typically paid via seller credit (paragraph 3G3). Cannot ask seller to pay more than buyer agreed to pay.

New construction: Buyer broker contract applies when showing properties. Research the builder’s offerings beforehand.

Listing Agent Responsibilities: Not responsible for verifying the buyer broker contract.

Fire Zones

Mapping: The entire state is now mapped for fire risk.

Defensible Space: Required in high and very high fire zones.

Fire and Defensible Space Form: Updated with 12 new questions.

Defensible Space Inspection: Fire departments are confused, they incorrectly think you can’t sell without billing.

Local Ordinances: Many communities have their own defensible space rules.

HOA Considerations: If the property is a condo the seller should disclose to the buyer but anticipate that the fire department will say no.

HOA Regulations

Balcony Inspections: Condos with balconies six feet off the ground must be inspected. Sellers must disclose the inspection status. Starting in January, HOAs must provide a standard disclosure form.

Violation Fines: Maximum fine capped at $100, unless the violation affects health and safety.

Cash Transactions

Anti-Drug Dealer Law: Effective December, all-cash buyers and sellers must provide information to the title company for federal reporting.

Lease Agreements

Photos: Landlords must take photos of the property before move-in, at move-out, and after repairs. Failure to provide photos can prevent deducting repair costs from the security deposit.

Credit Reporting: Corporate landlords must offer to report on-time rent payments to credit bureaus. Can charge the tenant $10/month.

Rent Control

AB 1482 rent cap is 5% + inflation number which changes every August. Number is 8% for Riverside, San Bernardino at 7.5. For San Diego County, 8.8.

LA County: Rent rules are very complicated.

Tenants in the property for 12 months are tenants for life.

Exceptions: New buildings (under 15 years), single-family homes, bedrooms without private entrances.

Bribery: It is perfectly legal to bribe tenants to leave.

Escrow and Commission

CDA (Commission Disbursement Authorization): More issues from the month.

Cryptocurrency: Stay away from it.

Cannot ask a buyer to compensate an agent for their trouble, it’s a gum buyer content.

Selling rental properties, if you’re a new owner you can kick them out in any county other than LA. If you want to preserve your ability to do so, then churn tenants.