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New Mortgage Rules For California Borrowers Explained
Under the new Ability-to-Repay Rule, mortgage lenders must look at customers' income, assets, savings, and debt, and weigh those against the monthly payments over the long term – not just a teaser or introductory rate period. As long as they check the 

The rich are different -- they still get interest-only mortgages,0,7524049.story
The rich are different -- they still get interest-only mortgages Many banks that lend in high-end California markets plan to keep making these loans for affluent clients who want them. Often these are self-employed people capable of maintaining fat bank accounts while making sizable down payments, borrowers the 

Bankruptcy May Not Be Best Option for Unsecured Mortgage Lenders
San Francisco, CA -- (SBWIRE) -- 01/24/2014 -- According to mortgage expert Maggie Puccini, a borrower files a bankruptcy proceeding to stop a foreclosure since the filing results in an automatic stay that prevents creditors from pursuing the borrower

New Mortgage Rules Mean Tighter Requirements For CA Home Loan Borrowers
New Mortgage Rules Mean Tighter Requirements For CA Home Loan Borrowers The Blue Loan Services team of mortgage professionals operates with the goal to provide home loans to its clients while providing them with the lowest interest rates and closing costs possible. The company also does its best to inform borrowers of any

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Mortgage Lenders, Servicers Fall Under California's Rosenthal Act

California’s Rosenthal Fair Debt Collection Practices Act encompasses mortgage lenders and servicers, a state appellate panel ruled, weighing in on an issue that has split the federal district courts in the state. Servicers need to be mindful that the Rosenthal Act is broader than the federal Fair Debt Collection Practices Act (FDCPA), a trend reflected in this and other opinions. Servicers collecting only on debt they acquired while it was current are generally exempt from the FDCPA but are subject to many of the same prohibitions, and are required to send validation notices by virtue of the Rosenthal Act.

What happened

The plaintiff alleged that his mortgage servicer, Seterus, made inconveniently timed phone calls and threatened legal action prior to the expiration of the grace period associated with his deed of trust (California generally uses this format in lieu of mortgages).

His 2016 lawsuit stated claims for violations of the Rosenthal Act and the state’s unfair competition law (UCL).

Mandating solar power for new homes? Great idea, California!

Maybe I’ve been watching California’s real estate market for way too long, but I don’t understand the strong objections (other than a case of “whatever the government does is wrong!”) to a new mandate to put solar energy in every new home.

Yes, I know housing is expensive. But it’s really not a home’s sticker price that’s the true budgetary challenge.

Remember, the financial stretch is how various costs of day-to-day living — including the mortgage and the electricity bill — add up vs. a household’s sources of income. Anything that cuts household expenses can help affordability. Solar roofs work as a cost-cutter.

The California Energy Commission has adopted new energy building standards requiring solar panels for virtually all new homes built in the state starting in 2020. That will likely will make California the first state with such a homebuilding requirement.

Yes, I know installing solar panels could boost new home prices, already one of the market’s priciest segments. For starters, I don’t see a great deal of standing inventory of unsold new homes, perhaps that market segment — many of them the well-heeled, for sure — can afford this energy-saving addition.

which mortgage lenders service California and dont execute a irs 4506 form?

my loan guy says now they have to execute the form, but certain lenders are not required to?
i understand you have to fill one out but certain lenders are in states where they dont have to actually check them.

You will want to get a NIV (no income verification) loan that does not require a 4506T rather than a stated income loan that does require it.

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