Your home is probably your biggest asset. Protect it like one.

In most states, no. Transferring to your own revocable living trust doesn't trigger reassessment because you're still the beneficial owner. California, Florida, Texas, and most other states protect this transfer. But rules vary by county in some states, so confirm with your local assessor's office before filing.

Yes. Some lenders ask you to transfer the property out of the trust temporarily, close the loan, then transfer it back. Others lend directly to the trust. Either way, it's routine — millions of trust-owned homes get refinanced every year. It may add a step, but it's not a barrier.

No problem. Federal law (the Garn-St. Germain Act) prohibits lenders from calling your loan due when you transfer your home into your own revocable trust. Your mortgage terms stay the same. You don't need permission, and you don't need to notify your lender — though some people do anyway.

Your home goes through probate, regardless of what your trust says. This is the most common estate planning mistake: people create a trust but never fund it. The trust only controls assets titled in its name. An unfunded trust is just paperwork.

Yes — notify your insurance company. Most insurers handle this easily, but if the named insured doesn't match the title, you could have a coverage gap. A quick call to your agent confirms you're still fully covered.