Outdated legislation limiting premium increases has caused major insurers to abandon California homeowners in recent months.
Homeowner insurance premiums aren’t so bad here in California — but coverage is hard to find
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Real Estate Finance
Develop your understanding of the relationship between mortgage holders and owners through a review of notes, trust deeds, and their provisions and foreclosure procedures.
Stay current on the latest news, videos, forms, and updates for Real Estate Finance
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May a buyer who acquires property subject to an existing mortgage which is in default reinstate the mortgage to cure the default when the lender has not called the mortgage due, refuses to accept reinstatement and starts foreclosure?
Shetty v. HSBC Bank USA, N.A.
As mortgage rates rise, so must property prices retreat; Monthly Statistical Update (November 2023)
https://vimeo.com/880610858 The Monthly Statistical Update (MSU) keeps agents and brokers current on the market trends affecting California real estate transactions. This month, we’re covering: ARM rates, which remain useless to buyers seeking to increase their...
Is a private mortgage lender entitled to receive usurious interest on a non-brokered extension to a mortgage initially arranged by a broker?
In re Moon
UDAAP consumer mortgage protections extended to commercial financing
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.
Unstable economic signals hold down new construction; Monthly Statistical Update (October 2023)
Job growth stalls; The stock market, in disregard of reality; Construction struggles to take off despite need for more housing
As consumer mortgage complaints jump — originations plummet
In 2022, the number of consumer mortgage loans originated by DFPI licensees was down a shocking 70% from the prior year.
Tightened mortgage standards lock out mid- to high-tier homebuyers, sellers
Mortgage loan availability fell in July 2023 to its lowest level in a decade for non-qualified mortgages (QMs).
2023’s real estate market trends influence all participants; Monthly Statistical Update (September 2023)
2023’s downturn still undeclared; Despite year-over improvement, buyer purchasing power remains low; Saving rates creep higher as consumers rein in spending
Recent updates to the course e-book
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.