Retiring Baby Boomers shift California’s future direction of real estate ownership.
Boomers retire and California reinvents their housing, again
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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.
Recent updates to the course e-book
- 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.
Newly published related content
30 years of summer, followed by 30 years of winter
Mortgage rates are on their way up.
Buyer Purchasing Power Index flattens in Q3 2025
The California Buyer Purchasing Power Index (BPPI) tells us a homebuyer with the same income is able to borrow 1.47% less purchase-assist mortgage money than a year ago.
California residential construction starts
Multi-family and SFR construction continue to lag behind demand for new housing.
Annual assessment increase for DFPI mortgage licensees
Declining DFPI licensee numbers, and the fees they charge, means the remaining individuals need to pick up the slack — with their wallets.
California home sales volume
What’s a broker to do until home sales volume takes off?
The 20% solution: Personal savings rates and homeownership
Over the last few decades, savings has followed a path conversely proportionate to consumer confidence.
Jobs move real estate
Track the single most influential factor on California’s real estate market: the number of people employed.
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.