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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
FHA delinquencies rising on pandemic forbearance arrangements
What are the consequences of delinquency in pandemic-era forbearance arrangements?
Jobs move real estate
Track the single most influential factor on California’s real estate market: the number of people employed.
Riverside housing indicators
View these Riverside regional charts for details on current activity and forecasts for its local housing market.
Using the yield spread to forecast recession and recovery conditions
The yield spread indicates the likelihood of a recession or recovery one year forward.
San Diego housing indicators
View these charts for current activity and forecasts for San Diego’s housing market.
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.
The 20% solution: Personal savings rates and homeownership
Over the last few decades, savings has followed a path conversely proportionate to consumer confidence.
California home sales volume
What’s a broker to do until home sales volume takes off?
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.