Home sales volume is falling back in 2022.
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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.
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Investing: Stocks or real estate?
Where to park your cash? It depends on how long you’re going to park it for – and what types of risks you’re willing to take.
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Climbing mortgage rates pushed sales volume down — and now property prices; Monthly Statistical Update (October 2022)
Home sales volume deflates on buyer exhaustion; The cyclical home price decay has begun; Mortgage rates resume their upward march
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Trending mortgage rates
Where are mortgage rates now? Check out our weekly interest rate update to track the latest market rates.
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California tiered home pricing
Home prices have plunged across California’s metropolitan areas.
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Mortgage Concepts: Abuse of the Regulation O attorney exemption
This Mortgage Concepts video helps MLOs spot and avoid attorney mortgage relief scams.
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A bump-up moment in California construction starts
Multi-family and SFR construction continue to lag behind demand for new housing.
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Is a non-exempt private mortgage lender entitled to collect interest on unpaid principal accruing from the principal balance due date when the agreed rate of interest earnings on the loan is usurious?
Soleimany v. Narimanzadeh
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Usury limit exemptions in carryback sales, Pt I
When and how usury limits apply to home sales structured as carrybacks.
read moreErrata & 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.