The Home Ownership and Equity Protection Act (HOEPA) protects consumers against potential abuses in connection with high-cost home loans.
Is it a Section 32 loan?
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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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Declining housing and economic factors push sales agents out; Monthly Statistical Update (October 2019)
California home sales volume to continue down; The yield spread forecasts the next recession; Active agents and brokers decline
Q3 2019 Buyer Purchasing Power Index rises as interest rates fall
The California Buyer Purchasing Power Index (BPPI) figure rose to +10.1 in September 2019.
With the GSE Patch expiring in 2021, what will happen to the qualified mortgage rule?
The CFPB’s plans to let the GSE Patch expire, though they are considering a temporary extension.
Homeownership demographics struggle; Monthly Statistical Update (September 2019)
The homeownership decline hits young homeowners hardest; Student loan debt holds back homeownership for the young; Negative immigration to continue chipping away at home sales
Migration influences California’s housing market
A drop in negative net migration occurred in California in 2018.
DBO Bulletin Digest August 2019
Your August 2019 DBO Bulletin digest
Lower LTVs required for FHA, VA cash-out refinances
Cash-out refinances on FHA mortgages will need a minimum of 20% equity.
Interest rates favor buyers for now, signal recession to come; Monthly Statistical Update (August 2019)
FRM interest rates now cheaper than ARMs; Buyer Purchasing Power rises in 2019; Negative yield spread forecasts recession
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.
