Promotional graphic showing a luxury Newport Beach oceanfront home at sunset with text explaining how the Garn–St. Germain Act may allow homeowners to transfer a low mortgage rate to their children, featuring the Lucas Real Estate logo.

The Garn–St. Germain Act: How a Little-Known Federal Law May Let You Transfer Your Ultra-Low Mortgage Rate to Your Children

  • January 14, 2026
  • devinlucas

Many Newport Beach and Costa Mesa homeowners are sitting on historically low mortgage rates—and don’t realize a federal law may allow them to transfer property, and their low mortgage, to their children without triggering a refinance. The Garn–St. Germain Act of 1982 can protect certain family transfers, but only when done correctly. In this article, we break down what the law allows, where it doesn’t apply, and how local families are using it as part of smart real estate, tax, and estate planning.

Elegant holiday-decorated home entrance with warm lighting, featuring centered text stating ‘6 Reasons Why December Might Be the Best Time to Buy a Home’ and the Lucas Real Estate Group logo below

6 Reasons Why December Might Be the Best Time to Buy a Home in Newport Beach & Costa Mesa

  • November 16, 2025
  • devinlucas

December can be one of the smartest (and most overlooked) months to buy a home in Newport Beach and Costa Mesa. With fewer buyers in the market, more motivated sellers, potential year-end tax advantages, and faster closing timelines, the holiday season may offer buyers a real edge. Here’s why December might be the perfect time to make your move.

High-end Newport Beach coastal home at sunset with overlaid text announcing the 2025–2026 California property tax bills, featuring the Lucas Real Estate Group logo centered below

2025–2026 California Property Tax Bills Are Out! Don’t Miss Your Deadlines (The County Will NOT Remind You!)

  • November 16, 2025
  • devinlucas

Property tax season is here again! Orange County has released the 2025–2026 secured property tax bills, and homeowners in Newport Beach, Costa Mesa, and the surrounding coastal communities should review their bills now. The County won’t remind you if you miss a payment, and penalties can be steep—especially on high-value homes. Here’s what you need to know about deadlines, online payments, and why December 10 and April 10 are the real dates that matter.

Elegant living room with soft neutral tones, a modern sofa, and a vase of pink flowers on a coffee table. The text reads “8 Tips to Stage Your Home Like a Pro” with the Lucas Real Estate logo centered below, maintaining a clean and luxurious aesthetic.

8 Expert Home Staging Tips for Newport Beach & Costa Mesa Sellers

  • October 8, 2025
  • devinlucas

Ready to sell your Newport Beach or Costa Mesa home? Discover 8 professional staging tips to attract more buyers, make a stunning first impression, and sell faster with Lucas Real Estate Group—your local legal and luxury real estate experts.