Young homebuyers are expected to give residential construction a boost in the coming years.
First-time homebuyers and new housing
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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.
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California underwater homeowner numbers to increase
Underwater homes were at their bottom in 2020.
A durable real estate market is built on personal income growth; Monthly Statistical Update (February 2021)
As other economic measures improve in 2021, individual Californians struggle with lost income; For Californians to again achieve income equality, California’s GDP needs reallocation to our workforce; Introducing the SOFR for ARMs, the replacement for the corrupt LIBOR
Income inequality harms California’s housing market
Income inequality is catching up with California’s economy, stifling household formation and dragging down the housing market.
Interest rates at their historic bottom and looking ahead to the LIBOR’s retirement; Monthly Statistical Update (January 2021)
Fixed rate mortgages continue on toward new lows; Interest rates hold onto their cyclical bottom; The LIBOR is going, going…
Foreclosure moratorium expiration looms — what then?
When the foreclosure moratorium ends, servicers may begin or resume the foreclosure process, unless homeowners are in a forbearance program.
2020 in review and a forecast for 2021
This article digests the major housing developments that occurred in 2020 and details firsttuesday’s forecast for 2021.
In California, where down payments are highest, homeownership is lowest
Low loan-to-value ratios (LTVs) aren’t necessarily a good thing.
Mortgage credit availability inches higher following 2020’s steep decline
The Mortgage Credit Availability Index (MCAI) is 30% below pre-pandemic levels.