ARM rates remain below FRM rates – for now.
Homebuyers learn the risks of ARMs as FRM rates jump
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Mortgage Loan Brokering & 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
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Newly published related content
More one-person households buying homes
More singles are striking out on their own to become homeowners.
Income inequality dampens California’s homeownership potential
Income inequality is catching up with California’s economy, stifling household formation and dragging down the housing market.
Student debt and work around for homeownership
Get your buyers with student debt on track to homeownership.
Buyer purchasing power levels out in Q2 2026
Buyer purchasing power fell back slightly in mid-2026, still positive over a year earlier.
Form-of-the-Week: Escrow instructions, and beneficiary statement — Forms 401 and 415
An agent or escrow officer uses RPI Form 401 when preparing instructions to open a purchase escrow with an escrow officer, and RPI Form 415 when escrow requests mortgage information from a mortgage holder regarding their lien on a property to confirm the terms of the debt or obtain a payoff demand.
California’s for-sale inventory growth: buyer caution rises faster than owner need to sell
In early 2026, low-tier priced housing has the lowest level of inventory available for sale or rent.
Federal guidance pushes MLOs to weigh applicant immigration status
Federal guidance now encourages MLOs to discriminate based on immigration status. How does that impact MLO practice in California?
California’s low homeownership rate to continue
California’s homeownership rate ballooned during the Millennium Boom, but quickly fell to today’s stable level of 55%.
