San Francisco housing indicators
View these charts for current activity and forecasts for San Francisco’s housing market.
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Category: Mortgages
Riverside housing indicators
View these Riverside regional charts for details on current activity and forecasts for its local housing market.
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Los Angeles housing indicators
View these Los Angeles regional charts for details on current activity and forecasts for its housing market.
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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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Negative equity and foreclosure
When does strategic default make sense for a negative equity homeowner?
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New legal bar to foreclosing on long-time nonperforming second mortgages
A new law provides property owners additional defenses against servicers of old, “zombie mortgages.”
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California tiered home pricing
Home prices continued to decline across California in July 2025.
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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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New law clarifies homeowner foreclosure protections provided by mortgage servicers
SB 1146 clarifies some foreclosure protections while letting mortgage servicers off the hook for others.
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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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(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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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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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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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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Is percolating groundwater which seeps into an aquifer conveyed with the land when a mortgage holder forecloses on a parcel of real estate?
Sandton Agriculture Investments III, LLC v. 4-S Ranch Partners, LLC
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BPO series: Trust deeds, liens and the due-on clause
Rational judgment by buyers and tenants is returning
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FHA delinquencies rising on pandemic forbearance arrangements
What are the consequences of delinquency in pandemic-era forbearance arrangements?
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Foreclosed out homeowners not to be contacted for 90 days regarding surplus funds
An owner entitled to surplus funds remaining from the foreclosure sale of their residence are chased by individuals attempting to make claim on the surplus funds. Now these surplus fund chasers are barred from contacting the owners for 90 days after the trustee’s deed is recorded to better protect California homeowners in a vulnerable position.
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Santa Clara County regional housing indicators
Santa Clara’s housing market is experiencing the downfall from 2021’s pandemic bounce.
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