The average ARM rate remains below the FRM rate, enticing potential homebuyers unaware of its history.
Low ARM rates fuel unacceptable mortgage risks
read more
Creating Carryback Financing
Secure the most efficient structuring for a seller’s extension of credit to a real estate buyer, every time. Stay current on the latest news, videos, forms, and updates for Creating Carryback Financing.
Recent updates to the course e-book
No Corrections Currently Reported.
Newly published related content
Trending mortgage rates
Where are mortgage rates now? Check out our weekly interest rate update to track the latest market rates.
California residential construction starts
Multi-family and SFR construction continue to lag behind demand for new housing.
Mortgage complaint trends
Compliance doesn’t prevent all consumer complaints, but it goes a long way toward happier customers and borrowers — and better business for MLOs.
The Federal Reserve’s impact on mortgage rates
Learn how the Fed is using their benchmark rate as a monetary policy tool
California tiered home pricing
Home prices continued to slide across California in November 2025.
Form-of-the-Week: Credit report disclosure forms for originating an SFR mortgage — Forms 302, 217, 217-1, 217-2 and 219
A mortgage loan originator (MLO) processing an SFR mortgage application pulls a credit report, advises the applicant of the credit agency’s score and any derogatory financial information which suggests adverse action on the application. Critical to approval, the applicant provides the MLO with explanations for the derogatory items so the MLO can process the application.
Fannie Mae, Freddie Mac accept new credit score model
Lenders and MLOs now have more Enterprise-approved options for qualifying homebuyers with thin credit histories.
California’s shifting residential vacancy rates tell a story
Residential vacancy rates – along with jobs and residential construction – held steady.