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.
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

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.
Part 2 explains ECOA-mandated disclosures advising the borrower of the action the lender has taken on the borrower’s mortgage application.
This video covers the disclosures advising the borrower of the action the lender has taken on the borrower’s mortgage application.
An agent uses RPI Forms 170 and 171 to propose an exchange of properties to another agent and to negotiate the exchange of properties.
In re: Gerald N. Reed
Which disclosures are required by the FCRA when a loan is denied, instead of approved?
When a loan is denied, instead of approved, the FCRA requires the loan originator to disclose the adverse action.
Learn when a mortgage lender is to file a suspicious activity report (SAR) with the Financial Crimes Enforcement Network (FinCEN).
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.