Learn the difference between a broker’s specific agency duty owed only to their client and the limited general duty they owe to others in a transaction and how to observe and disclose conditions adversely affecting value and qualify statements when they are opinions, not facts.

WLearn the due diligence obligations required from a broker to a client when performing, drafting, delivering and maintaining records for a broker price opinion (BPO).

Learn the contrasts between rent-to-buy arrangements and protective homeownership transactions structured by seasoned brokers.

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 8 Tips on caring for cut flowers Keep cut flowers blooming and lovely with these 8 easy tips. Start with a clean vase. Wash […

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 Painlessly painting your home’s exterior Clean it up! Use a low-pressure hose to rinse weather stains, muck, webs, or other di

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 10 Quick and Easy Kitchen Updates Add new life to your kitchen with these easy updates: Paint an unused cabinet surface with c

Learn how a buyer’s breach of a purchase agreement and escrow instructions establishes the seller's legal right to recover actual money losses.

Vacancy rates are on a year-over-year upward incline, while net absorption returns were positive this quarter. New projects were opened to the market but are not yet occupied. A few major tenants are boosting occupancy of distribution space, while smaller businesses are slowly shutting down.

The average ARM rate remains below the FRM rate, enticing potential homebuyers unaware of its history.

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