Compliance doesn’t prevent all consumer complaints, but it goes a long way toward happier customers and borrowers — and better business for MLOs.

Watch how the seller’s failure to timely deliver documents excuses the buyer’s concurrent obligation to fund escrow.

To request a FARM letter topic, or to see a list of all our FARM letter templates, visit our FARM Letter page. Text only Be a good neighbor! Whether you’re new to the neighborhood or have lived here for decades, it’s always a good idea to stay on your neighbors’ good sides. These relationships will

Use this firsttuesday FARM Letter in your marketing. To request a FARM letter topic, or to see a list of all our FARM letter templates, visit our FARM Letter page. Text only Making your home pet-friendly Your place isn’t just a home for humans. It’s often a home for pets as well. Consider these tips

This form is used by a loan broker or lender when processing a mortgage application, to inform the borrower of adverse action taken on their application.   

This form is used by a borrower, on their agent’s recommendation, when the borrower receives a negative credit score usage notice in response to their application for a consumer mortgage, to provide the mortgage loan originator (MLO) or lender with an explanation of derogatory items on the borrower’

This form is used by a mortgage loan originator (MLO) when processing a consumer mortgage application, to notify the borrower of the lender’s obligation to disclose the borrower their credit scores and the Credit Bureaus used to obtain them.   

This form is used by a mortgage loan originator (MLO) after receiving an applicant’s credit report and prior to closing, to disclose to the applicant their credit scores and the Credit Bureaus which provided them, and inform the applicant the lender uses information in a consumer credit report to se

This form is used by a loan broker or carryback seller and their agent when arranging a mortgage loan or carryback note on a sale and needing a determination of the borrower’s/buyer’s creditworthiness, to authorize a credit reporting agency to complete a consumer report on the borrower/buyer.   

The Winter 2026 Real Estate Bulletin lays out the California Department of Real Estate’s expectations for ethical conduct by its licensees in the age of ARMs, digital brokerages, and AI.

A mortgage loan originator (MLO) processing an SFR mortgage application pulls a credit report, advises the applicant of the credit agency’s score and any derogatory financial information which suggests adverse action on the application. Critical to approval, the applicant provides the MLO with expla

Lenders and MLOs now have more Enterprise-approved options for qualifying homebuyers with thin credit histories.

Learn how to manage licensed activities as a seller agent from soliciting a seller-client and organizing the marketing of their property through closing a transaction.

Assembly Bill 863 tasks the Judicial Council by 2027 to create a single summons form translated into multiple languages for use in any civil action.

A new CFPB federal rule shaves down the definition for what lender actions qualify as mortgage discrimination.

A loophole allowed local agencies to designate neighborhoods as “historic districts” barring additional housing by ordinance. Now, that local loophole is removed. Parcels in historic districts may now be subdivided and each lot constructed with a duplex.

Residential vacancy rates - along with jobs and residential construction - held steady.

AB 299 sets protections for residents displaced by a disaster staying in short-term lodging for longer than 30 days.

This article presents three real-life scenarios in which each licensed brokerage corporation’s designated officer conducted unlawful activities which led to disciplinary and enforcement actions by the DRE.

In re Anne M. Cummings, Debtor