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.
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.
Zabriskie v. Federal National Mortgage Association Facts: A homeowner defaults on their mortgage and short sells their home. The homeowner later obtains a mortgage for the purchase of a new home. More than two years after their short sale, the homeowner applies to...
The number of VA-guaranteed mortgages spiked during the 2008 recession and have only grown in popularity.
FRM rates fall from 2018 upturn; Refinancing’s inverse relationship with interest rates; ARMs become less attractive when FRM rates fall
California’s Buyer Purchasing Power Index was positive 1.2 in Q1 2019.
This video reviews the rules governing appraiser independence under the Truth-in-Lending Act, including prohibitions of conflicts of interest and deliberately inaccurate evaluations.
Buyer purchasing power’s pull on prices; Rising mortgage rates decrease purchasing power; Home prices fall from their peak
This video reviews the Privacy of Consumer Financial Information, including the rules controlling the sharing of a mortgage applicant’s or borrower’s sensitive personal information.
Mean price trendline pulls prices down; Rising SoCal incomes can’t keep up with home prices; NorCal incomes rising quickly, still lag behind prices
Low- and moderate-income homebuyers now have more financing options when buying a manufactured home.