Jobs are still climbing out of the recessionary pit; Personal savings — back to normal and falling; Yield spread forecasts no double dip recession — for now
Jobs still lagging, savings rates fall; Monthly Statistical Update (April 2022)
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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.
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First-time homebuyers and households of color most impacted by interest rate hikes
Absent a decrease in demand (unlikely), first-time homebuyers, and particularly homebuyers of color, stand to lose the most from 2022’s rising interest rates.
Form-of-the-Week: Request for Notice of Mello-Roos Assessment and Notice of Your Supplemental Property Tax Bill — Forms 137 and 317
Agents use RPI Forms 137 and 317 to notify prospective buyers about the supplemental property taxes and bonded indebtedness they will receive upon transfer of ownership.
Brokerage Reminder: “’Cause I’m the taxman, yeah I’m the taxman”
A weekly reminder to stay on top of your practice!
MLO Mentor: The MARS Rule
This article discusses the Mortgage Assistance Relief Services (MARS) rule
Zillow Offers’ failure is a warning to today’s speculators
Real estate giant Zillow entered a hot and unpredictable housing market as a speculator experimenting with iBuying and got burned, reporting a total net loss of $530 million in 2021.
The Federal Reserve’s impact on mortgage rates
Learn how the Fed is using their benchmark rate as a monetary policy tool to restrain levels of borrowing in 2022.
There is another way to fight inflation than raising interest rates
Even as supply shortages cause rising prices and define the housing market, the Trade War’s policies continue in 2022.
Mortgage delinquencies settled in 2021 — but are looking up in 2022
Mortgage delinquencies continue to decline at the start of 2022 and are now nearly level with pre-pandemic levels.
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.