Due-on clause exceptions and waivers
This article covers exceptions and waivers to the enforceability of the due-on clause present in all trust deeds and enforced on sales only during a cycle of rising long-term fixed rate mortgage rates.
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Category: Finance
Trending mortgage rates
Where are mortgage rates now? Check out our weekly interest rate update to track the latest market rates.
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A closer look at the due-on clause
This article covers an owner’s use of property rights which allows a mortgage holder to capitalize on the due-on clause to extract further profit by calling the mortgage due and payable, or waiving the call to modify the interest rate and payment schedule at current market rates.
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The Federal Reserve’s impact on mortgage rates
Learn how the Fed is using their benchmark rate as a monetary policy tool
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Measuring turnover: what motivates a move?
Annual turnover rates reflect homeowners and renters relocating and indicate the trend in fees generated from sales and leasing transactions.
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(Re)introducing the due-on clause
This multimedia article explains when due-on clauses become used in the economic cycle and under which sale and leasing arrangements.
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S&P 500: Stock pricing vs. earnings (P/E ratio)
An update on stock pricing and earnings.
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Tax bracket updates for 2026
The Internal Revenue Service (IRS) has announced new tax rates and standard deductions for 2026.
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Tax aspects advice
This article explains how to offer tax advice when appropriate, increasing an agent’s marketability by widening the range of services and advice offered to clients.
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30 years of summer, followed by 30 years of winter
Mortgage rates are on their way up.
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Buyer Purchasing Power Index flattens in Q3 2025
The California Buyer Purchasing Power Index (BPPI) tells us a homebuyer with the same income is able to borrow 1.47% less purchase-assist mortgage money than a year ago.
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Annual assessment increase for DFPI mortgage licensees
Declining DFPI licensee numbers, and the fees they charge, means the remaining individuals need to pick up the slack — with their wallets.
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Jobs move real estate
Track the single most influential factor on California’s real estate market: the number of people employed.
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FARM: Student debt and homebuyers
Use this firsttuesday FARM Letter in your marketing. To request a FARM letter topic, or to see a...
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Using the yield spread to forecast recession and recovery conditions
The yield spread indicates the likelihood of a recession or recovery one year forward.
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Orange County housing indicators
View these Orange County regional charts for details on current activity and forecasts for its local housing market.
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Buy an historic home, get a Mills Act subsidy
An owner or buyer of historic property in need of TLC can reduce their property tax by entering into a restoration and property tax agreement, called a Mills Act subsidy.
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The force behind home price movement: buyer purchasing power
Find out what today’s buyer purchasing power means for tomorrow’s home prices in California.
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What buyer- and tenant-clients need to know about credit reports
This article offers a bird’s eye view on credit report fundamentals across real estate sales and rentals.
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Buyer Purchasing Power Index (BPPI) hints at rising as home price adjustment sets in
Planning for the next several years in real estate transactions will require patience and a very different approach to the past decade of recovery economics driven by rate decreases.
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