Develop your understanding of the relationship between mortgage holders and owners through a review of notes, trust deeds, and their provisions and foreclosure procedures.
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Existing regulations prohibiting unfair, deceptive, and abusive practices (UDAAP) in consumer mortgage financing now apply to the conduct of originators of commercial mortgage financing in California.
Job growth stalls; The stock market, in disregard of reality; Construction struggles to take off despite need for more housing
In 2022, the number of consumer mortgage loans originated by DFPI licensees was down a shocking 70% from the prior year.
Mortgage loan availability fell in July 2023 to its lowest level in a decade for non-qualified mortgages (QMs).
2023’s downturn still undeclared; Despite year-over improvement, buyer purchasing power remains low; Saving rates creep higher as consumers rein in spending
California’s low homeownership rate means rentals are in high demand, with vacancies near historic lows.
Sticky homeowners are unwilling to relieve the inventory shortage in 2023.
Media pundits in their coverage of today’s high mortgage interest rates ignore the 60-year cycle of rising and falling mortgage rates and the seller’s pricing response to rising and falling rates.
An overwhelming 95% of community bankers say the economy is already in a recession as of Q2 2023.
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.