Understanding Your Savings
Most Read
Closing Cost Credit Explained
When a seller offers a buyer agent commission and you hire a flat fee agent, the difference comes back to you at closing. Learn exactly how it flows through escrow, what you can use it for, and how much you get at any price point.
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Resource
Buyer Rebate Explained
What is a buyer rebate in California, is it legal, and how does it differ from a closing cost credit? Covers California law, lender rules, and how Roman structures your savings.
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Resource
Flat Fee vs. Traditional Agent
Full side-by-side comparison: cost at every price point, service differences, the incentive misalignment in percentage commissions, and what actually changes when you hire a flat fee agent.
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Buying a Home in California
Guide
How to Buy a Home in Los Angeles
Step-by-step walkthrough of the LA home buying process -- from pre-approval and offer strategy to inspection, escrow, and closing. Written for first-time and move-up buyers in the LA market.
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Guide
2024 NAR Settlement Guide
The National Association of Realtors settlement changed how buyer agent compensation works. What changed, what you now have to sign before touring homes, and why it actually benefits buyers.
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Guide
Mortgage & Financing Basics
Pre-approval vs. pre-qualification, conventional vs. FHA vs. VA loans, how your debt-to-income ratio affects what you can borrow, and what lenders look at in California jumbo loan markets.
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Guide
New Construction Buying Tips
Builder contracts are not the same as standard California RPA contracts. What to watch for, how to negotiate upgrades and closing costs with a builder, and why you need your own agent at a new construction site.
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Free PDF Guides
Free PDF
LA Homebuyer’s Rebate Guide
The complete guide to buying a home in LA with a flat fee agent. How the closing cost credit works, savings at every price point, and what to expect from first showing to closing day. Free download.
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Free Guide
Buying a Home in LA
A complete market-specific guide to purchasing in Los Angeles -- neighborhoods, price tiers, school districts, and how to compete in one of the most competitive real estate markets in the country.
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Free Guide
New Construction Guide
Everything buyers need to know about purchasing new construction in LA and OC -- builder contracts, Mello-Roos, phase pricing, upgrade negotiations, and how flat fee representation works with builders.
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Free Guide
Seller’s Guide
Selling your current home while buying? This guide covers how to navigate the simultaneous buy-sell process, timing contingencies, and how to use your equity most effectively in the next purchase.
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Buying in a Specific City
Roman serves all of Los Angeles and Orange County. Each city page includes current 2026 market data, school ratings, hazard risks, neighborhood guides, and your exact savings at that city’s median price.