Repayment Variations: Adjustable Rate Mortgage
Periodic adjustments to the interest rate under an adjustable rate mortgage (ARM).
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Category: Feature Articles
Tax Benefits of Ownership: The Mortgage Interest Deduction
This updated excerpt from the forthcoming edition of Tax Benefits of Ownership covers the basics...
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Straight Notes
Use of a straight note to call for the entire amount of principal to be paid in a single lump sum due at the end of a period of time.
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Installment Notes: Interest-Included and Interest-Extra
Use of interest-included and interest-extra installment notes to set the repayment schedule of debt.
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The Tenant, Homeowner, and Small Landlord Relief Stabilization Act of 2020 Part 1: Tenant protections
This article is part I of a two-part series covering California’s Tenant, Homeowner, and Small Landlord Relief Stabilization Act of 2020.
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Introduction to Promissory Notes
Types of promissory notes and the function of usury law to prevent exorbitant interest rates and bad lender behavior.
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Evidence of the Debt
Use of a promissory note to evidence the borrower’s promise to pay
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Word-of-the-Week: Blockbusting
Blockbusting is the prohibited practice of inducing a property owner to list their property for sale in response to a change taking place in the neighborhood demographics.
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Job losses will inevitably continue
Job creation is the only cure for today’s recession. When will that happen?
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Title by Claims of Adverse Possession
Five critical elements to establish title by adverse possession based on a claim of right or color of title.
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Word-of-the-Week: The Quick Tell-All about Easements
An easement is a right held by one property owner to use the land of another for a specific purpose.
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Describing the Property Conveyed
Use of a common address or legal description to sufficiently describe the property being conveyed.
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Words of Conveyance for a Fee or Less
Use of a quitclaim deed to convey whatever interest, if any, the grantor may hold in the real estate.
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The Grantee
Conveying title to real estate when the seller inadvertently misnames the grantee in the recorded deed.
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Homebuilding is key to the next recovery
This article discusses the importance of residential construction in California’s economy, and the special part it has to play in the recovery from the 2020 recession.
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The Grantor
Qualifications of a grantor capable of conveying an interest in real estate.
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How real estate professionals can combat racism
How real estate and mortgage professionals can counter harmful attitudes and actions toward Black, Latinx and Asian homebuyers and renters.
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A Deed in Writing, with Exceptions
Words of conveyance and validity requirements of a grant deed or quitclaim deed.
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A Deed by Any Name is a Grant
The use of a grant deed to transfer an interest in title to real estate.
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The unequal property tax burden on Black and Latinx households
Black and Latinx households pay higher property taxes. Why? And how does this impact California’s housing market?
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