This article offers a bird’s eye view on credit report fundamentals across real estate sales and rentals.
What buyer- and tenant-clients need to know about credit reports
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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
Trending mortgage rates
Where are mortgage rates now? Check out our weekly interest rate update to track the latest market rates.
The mean price trendline: the home price pivot
The mean price trendline reveals housing price deviations. Track the trends to reveal the direction of prices in the years ahead.
Santa Clara County regional housing indicators
Santa Clara’s housing market is experiencing the downfall from 2021’s pandemic bounce.
Is percolating groundwater which seeps into an aquifer conveyed with the land when a mortgage holder forecloses on a parcel of real estate?
Sandton Agriculture Investments III, LLC v. 4-S Ranch Partners, LLC
Nationally MLOs are far fewer in 2024; CA DRE MLOs increase, DFPI MLOs decrease
The trend for state-licensed MLOs is down in 2024.
Newly-licensed sales agent and broker population
This article examines the number of broker and sales agent licenses issued by the DRE from 1998-present, with forecasts about future licensing trends.
Sacramento County housing indicators
Get to know Sacramento County’s local housing fundamentals in these charts and forecasts.
California’s for-sale inventory growth: buyer caution rises faster than seller caution
In early 2025, low-tier priced housing has the lowest level of inventory available for sale or rent.
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.
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.