California voters have approved a new homebuyer assistance program that could make purchasing a home easier. But there are some important limitations buyers should understand. California voters approved Proposition 37 in the November 2026 election, authorizing up to $25 billion in revenue bonds to ... » Learn More about California Proposition 37 Passes: Will It Really Make Homeownership More Affordable?
Mortgage Regulations
Why All the Paperwork? The Reality of a California Real Estate Transaction: It’s Not a Garage Sale
One of the complaints I hear periodically from buyers and sellers is pretty simple: “Why is there so much paperwork?” It’s a fair question. After 40 years of selling real estate and originating mortgage loans in California, I can tell you that the amount of paperwork involved in a real estate ... » Learn More about Why All the Paperwork? The Reality of a California Real Estate Transaction: It’s Not a Garage Sale
Modernizing the Fed: Why Better Data Means Better Interest Rate Decisions
I’ve said it several times, one thing has become increasingly clear over the past several years… the economy moves faster than the Federal Reserve's traditional decision making process. The Fed has a difficult job. It has to balance inflation, employment, economic growth, and financial stability, ... » Learn More about Modernizing the Fed: Why Better Data Means Better Interest Rate Decisions
How the New FinCEN Regulation Will Affect Real Estate Transactions… What Buyers & Sellers Need to Know
The U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN) has finalized a new nationwide rule that goes into effect March 1, 2026, and I’m already getting questions about how it will impact real estate transactions here in Los Angeles and Ventura County. As we know, there’s a lot of fraud ... » Learn More about How the New FinCEN Regulation Will Affect Real Estate Transactions… What Buyers & Sellers Need to Know
Not All Mortgages Are Created Equal: Understanding the Power of Non-QM Loans
When you're navigating the lending world, especially here in the San Fernando Valley and Greater Los Angeles, you’re going to hear two terms thrown around a lot: Qualified Mortgage (QM) and Non-Qualified Mortgage (Non-QM). They sound technical, and honestly they are. But understanding the difference ... » Learn More about Not All Mortgages Are Created Equal: Understanding the Power of Non-QM Loans