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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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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.
BPO series: Trust deeds, liens and the due-on clause
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FHA delinquencies rising on pandemic forbearance arrangements
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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.
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.