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DTSTART;TZID=America/Los_Angeles:20260507T180000
DTEND;TZID=America/Los_Angeles:20260507T200000
DTSTAMP:20260420T052954
CREATED:20260225T051327Z
LAST-MODIFIED:20260225T052757Z
UID:4913-1778176800-1778184000@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - May 7\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-may-7-2026
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260611T180000
DTEND;TZID=America/Los_Angeles:20260611T200000
DTSTAMP:20260420T052954
CREATED:20260225T051517Z
LAST-MODIFIED:20260225T051517Z
UID:4916-1781200800-1781208000@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - June 11\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-june-11-2026
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260617T180000
DTEND;TZID=America/Los_Angeles:20260617T200000
DTSTAMP:20260420T052954
CREATED:20260225T045417Z
LAST-MODIFIED:20260225T045918Z
UID:4882-1781719200-1781726400@vickigalvan.com
SUMMARY:Investor Club - June 17\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\n \nYou’re Invited to Join the Investor Club \nFor Property Owners Ready to Grow Their Wealth \nAre you a homeowner or business who already owns property? Are you ready to take the next step toward in \nbuilding generational wealth\, expanding your real estate portfolio\, creating passive income? \nThen this is for you. \nIntroducing: \n The Investor Club \nA focused community of driven individuals committed to growing smarter\, together. We’ll provide the tools\, resources\, and guidance to help you: Expand your property portfolio Build passive income streams Strategize for long-term wealth Network with like-minded investors **Commitment is Required** \nThis is not a passive group. To join\, you must be willing to commit to your own growth\, stay accountable\, and take your financial future seriously. \nReady to level up? Let us know you’re interested\, and we’ll share next steps.
URL:https://vickigalvan.com/event/investor-club-june-17-2026
CATEGORIES:Investor Club
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260702T180000
DTEND;TZID=America/Los_Angeles:20260702T200000
DTSTAMP:20260420T052954
CREATED:20260225T051654Z
LAST-MODIFIED:20260225T051654Z
UID:4919-1783015200-1783022400@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - July 2\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-july-2-2026
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260806T180000
DTEND;TZID=America/Los_Angeles:20260806T200000
DTSTAMP:20260420T052954
CREATED:20260225T054716Z
LAST-MODIFIED:20260225T054716Z
UID:4940-1786039200-1786046400@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - August 6\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-august-6-2026
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260826T180000
DTEND;TZID=America/Los_Angeles:20260826T200000
DTSTAMP:20260420T052955
CREATED:20260225T045857Z
LAST-MODIFIED:20260225T050841Z
UID:4889-1787767200-1787774400@vickigalvan.com
SUMMARY:Investor Club - August 26\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\n \nYou’re Invited to Join the Investor Club \nFor Property Owners Ready to Grow Their Wealth \nAre you a homeowner or business who already owns property? Are you ready to take the next step toward in \nbuilding generational wealth\, expanding your real estate portfolio\, creating passive income? \nThen this is for you. \nIntroducing: \n The Investor Club \nA focused community of driven individuals committed to growing smarter\, together. We’ll provide the tools\, resources\, and guidance to help you: Expand your property portfolio Build passive income streams Strategize for long-term wealth Network with like-minded investors **Commitment is Required** \nThis is not a passive group. To join\, you must be willing to commit to your own growth\, stay accountable\, and take your financial future seriously. \nReady to level up? Let us know you’re interested\, and we’ll share next steps.
URL:https://vickigalvan.com/event/4889
CATEGORIES:Investor Club
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260903T180000
DTEND;TZID=America/Los_Angeles:20260903T200000
DTSTAMP:20260420T052955
CREATED:20260225T052426Z
LAST-MODIFIED:20260225T052933Z
UID:4925-1788458400-1788465600@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - September 3\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-may-8-2028
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20261001T180000
DTEND;TZID=America/Los_Angeles:20261001T200000
DTSTAMP:20260420T052955
CREATED:20260225T054018Z
LAST-MODIFIED:20260225T054018Z
UID:4934-1790877600-1790884800@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - October 1\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-october-1-2026
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20261105T180000
DTEND;TZID=America/Los_Angeles:20261105T200000
DTSTAMP:20260420T052955
CREATED:20260225T052011Z
LAST-MODIFIED:20260225T053434Z
UID:4921-1793901600-1793908800@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - November 5\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \n  \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-april-9-2026-2
CATEGORIES:Women's Empowerment
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20261111T180000
DTEND;TZID=America/Los_Angeles:20261111T180000
DTSTAMP:20260420T052955
CREATED:20260225T050239Z
LAST-MODIFIED:20260225T050804Z
UID:4894-1794420000-1794420000@vickigalvan.com
SUMMARY:Investor Club - November 11\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\n \nYou’re Invited to Join the Investor Club \nFor Property Owners Ready to Grow Their Wealth \nAre you a homeowner or business who already owns property? Are you ready to take the next step toward in \nbuilding generational wealth\, expanding your real estate portfolio\, creating passive income? \nThen this is for you. \nIntroducing: \n The Investor Club \nA focused community of driven individuals committed to growing smarter\, together. We’ll provide the tools\, resources\, and guidance to help you: Expand your property portfolio Build passive income streams Strategize for long-term wealth Network with like-minded investors **Commitment is Required** \nThis is not a passive group. To join\, you must be willing to commit to your own growth\, stay accountable\, and take your financial future seriously. \nReady to level up? Let us know you’re interested\, and we’ll share next steps.
URL:https://vickigalvan.com/event/investor-club-november-11-2026
CATEGORIES:Investor Club
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20261203T180000
DTEND;TZID=America/Los_Angeles:20261203T200000
DTSTAMP:20260420T052955
CREATED:20260225T053726Z
LAST-MODIFIED:20260225T053844Z
UID:4931-1796320800-1796328000@vickigalvan.com
SUMMARY:Crown Adjusters: Women Empowering Women in Life\, Business & Career Success - December 3\, 2026
DESCRIPTION:Table of Contents \nToggle\nQuick answer: How much are closing costs in California?Closing costs vs. cash to close (don’t mix these up)Buyer closing costs in California: what you typically pay1) Lender fees2) Escrow + title fees3) Third-party services (buyer)4) Government\, recording\, and tax-related fees5) Prepaids (this is the part that confuses people most)Seller closing costs in California: what you typically pay1) Real estate commissions (often the largest cost)2) Transfer taxes (California is city-by-city)3) Escrow + title fees (seller side)4) Repairs\, credits\, and concessions (negotiated)5) HOA costs (if applicable)What’s negotiable in California closing costs?Example: What closing costs might look like on a $600\,000 homeThe documents buyers should know: Loan Estimate vs. Closing DisclosureHow to plan for closing costs without stressFrequently asked questionsDo buyers pay transfer tax in California?Can the seller pay the buyer’s closing costs?Why do closing costs change from estimate to final?Should I pay points to buy down my rate?––Sources\nLet’s Talk: Life\, Business\, School\, and Careers Join us for an inspiring conversation about women’s empowerment and shaping our future. This is a space to connect\, share experiences\, and uplift one another as we navigate life\, business\, education\, and career journeys. \nLet’s talk about it all — dreams\, challenges\, and everything in between. \nYour voice matters. Your story matters. \n \nEmpowering futures by adjusting crowns.
URL:https://vickigalvan.com/event/crown-adjusters-women-empowering-women-in-life-business-career-success-december-3-2026
CATEGORIES:Women's Empowerment
END:VEVENT
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