View these Orange County regional charts for details on current activity and forecasts for its local housing market.
Orange County housing indicators
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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
Los Angeles housing indicators
View these Los Angeles regional charts for details on current activity and forecasts for its housing market.
The rise and fall of real estate brokers and agents
This article analyzes the historical population of active DRE licensees, with discussions and forecasts about future licensing trends.
Negative equity and foreclosure
When does strategic default make sense for a negative equity homeowner?
Real estate runs with the labor force participation rate
Brokers who watch the jobs numbers along with the LFP rate will find the trends useful for forecasting their future brokerage conditions
Rent-to-buy alternatives
Learn the contrasts between rent-to-buy arrangements and protective homeownership transactions structured by seasoned brokers.
Low ARM rates fuel unacceptable mortgage risks
The average ARM rate remains below the FRM rate, enticing potential homebuyers unaware of its history.
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.
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.
