Age and education data complete a portrait of California’s largest and most dynamic counties.
Age and education in the golden state
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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
Orange County housing indicators
View these Orange County regional charts for details on current activity and forecasts for its local housing market.
California’s for-sale inventory growth: buyer caution rises faster than owner need to sell
In early 2025, low-tier priced housing has the lowest level of inventory available for sale or rent.
Negative equity and foreclosure
When does strategic default make sense for a negative equity homeowner?
New legal bar to foreclosing on long-time nonperforming second mortgages
A new law provides property owners additional defenses against servicers of old, “zombie mortgages.”
Golden state population trends
California population shifts since 2000 sheds light on how current migration trends impact residential rentals and sales.
Due-on clause exceptions and waivers
This article covers exceptions and waivers to the enforceability of the due-on clause present in all trust deeds and enforced on sales only during a cycle of rising long-term fixed rate mortgage rates.
New law clarifies homeowner foreclosure protections provided by mortgage servicers
SB 1146 clarifies some foreclosure protections while letting mortgage servicers off the hook for others.
A closer look at the due-on clause
This article covers an owner’s use of property rights which allows a mortgage holder to capitalize on the due-on clause to extract further profit by calling the mortgage due and payable, or waiving the call to modify the interest rate and payment schedule at current market rates.