California Real Estate Finance
This highly practical real estate finance book reflects the current status of the real estate financial market. While the primary focus is on real estate financing principles and practices in California, it also examines the latest developments in real estate financing including the new national mortgage loan officer licensing laws. This new edition simplifies the increasingly complicated aspects of real estate lending and the new legislative mandates. Users will learn the impact current...
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This highly practical real estate finance book reflects the current status of the real estate financial market. While the primary focus is on real estate financing principles and practices in California, it also examines the latest developments in real estate financing including the new national mortgage loan officer licensing laws. This new edition simplifies the increasingly complicated aspects of real estate lending and the new legislative mandates. Users will learn the impact current financial markets have on the real estate transaction and gain an understanding of the various types of lenders; different types of financing options; the process of a mortgage; and common mortgage problems.
PrefaceCh. 1Why Real Estate Finance?1Ch. 2Institutional Lenders: Who and What are They?31Ch. 3Noninstitutional Lenders: Who are They?59Ch. 4Alternative Mortgage Instruments: What are They?83Ch. 5What are Conventional Loans?115Ch. 6How Do the Federal and State Governments Help Finance Home Loans?139Ch. 7Points, Discounts, and the Secondary Mortgage Market: How Do They Act and Interact?167Ch. 8What Role Does "Qualifying the Property" Play in Loan Underwriting?187Ch. 9What Role Does "Qualifying the Buyer" Play in Loan Underwriting?217Ch. 10How Do Processing, Closing, and Servicing Real Estate Loans Take Place?243Ch. 11How Do Foreclosures and Other Lending Problems Fit into Real Estate Finance?277Ch. 12Construction Financing: What are the Major Sources?305Ch. 13How Can I Simplify Problem-Solving Related to Real Estate Finance?329Ch. 14What are Some Creative Financing Approaches?391Ch. 15What are Some Financing Choices Designed for Low- to Moderate-Income and First-Time Home Buyers?431AppFinancing Small Residential Income Properties477Glossary486Answers to Multiple-Choice Questions496Index497
