Mortgage loan availability fell in July 2023 to its lowest level in a decade for non-qualified mortgages (QMs).
Tightened mortgage standards lock out mid- to high-tier homebuyers, sellers
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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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Rentals: the future of California real estate?
California’s low homeownership rate means rentals are in high demand, with vacancies near historic lows.
Today’s homeowners are stuck on yesterday’s rates
Sticky homeowners are unwilling to relieve the inventory shortage in 2023.
The news media has the wrong take on mortgage rates
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.
Community bankers agree: the recession is here
An overwhelming 95% of community bankers say the economy is already in a recession as of Q2 2023.
Mortgage Concepts: Lender ECOA disclosures of action taken, Part 2
Part 2 explains ECOA-mandated disclosures advising the borrower of the action the lender has taken on the borrower’s mortgage application.
Mortgage Concepts: Lender ECOA disclosures of action taken, Part 1
This video covers the disclosures advising the borrower of the action the lender has taken on the borrower’s mortgage application.
Form-of-the-Week: Preliminary Proposal and Exchange Agreement — Forms 170 and 171
An agent uses RPI Forms 170 and 171 to propose an exchange of properties to another agent and to negotiate the exchange of properties.
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.