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California Mortgage Lending
Learn the core concepts of consumer and business mortgage lending and brokering.
Stay current on the latest news, videos, forms, and updates for California Mortgage Lending.
Latest Articles
Form-of-the-Week: Mortgage Broker Representation Agreement, and Disclosure of Mortgage Loan Originator Fees — Forms 104 and 119-1
A broker and their agent use RPI Form 104 to arrange a mortgage with a buyer or owner of real estate or a holder of a trust deed note and RPI Form 119-1 to disclose to all parties the receipt of a mortgage-related fee in addition to a sales fee on the transaction.
California home sales volume
What’s a broker to do until home sales volume takes off?
California tiered home pricing
Home prices are flatlining across California’s metropolitan areas at the end of 2023.
The rise and fall of real estate brokers and agents
This article analyzes the historical population of active DRE licensees, with discussions and forecasts about future licensing trends.
Jobs move real estate
Track the single most influential factor on California’s real estate market: the number of people employed.
SoCal commercial vacancy rates continue to rise in Q1 2024
Southern California’s commercial market softened even further in the first quarter of 2024.
California residential construction starts
Multi-family and SFR construction continue to lag behind demand for new housing.
Negative equity and foreclosure
When does strategic default make sense for a negative equity homeowner?
Errata & Updates
- Chapter 3: The Agency Law Disclosure. The updated statutory Agency Law Disclosure and confirmation provision went into effect the beginning of 2019. Both the content of the form and when it is to be used have been modified. Further, prior printings indicate the Agency Law Disclosure is not required on a lease with a term exceeding one year. However, lease transactions greater than one year are targeted transactions requiring the disclosure. For a thorough analysis of the new disclosure and confirmation practices, see the digital eBook version of the book.
- Chapter 72: Home mortgage interest deductions. The definition for principal residence on page 472 is partially obscured. It should read “The residential property where the homeowner resides a majority of the year.”
- Quiz 3 Question 3 has been simplified to read:
California anti-discrimination law is enforced by:
a. the Department of Business Oversight (DBO).
b. the Department of Fair Employment and Housing.
c. the Department of Housing and Urban Development (HUD).
d. Fannie Mae.