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2. California Department of Financial Protection and Innovation

   en.wikipedia.org/wiki/California_Department_of...

   The department operates under the California Business, Consumer Services and Housing Agency. The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally ...

3. What is the Home Ownership and Equity Protection Act (HOEPA)?

   www.aol.com/finance/home-ownership-equity...

   When a mortgage is classified as high-cost, there are certain requirements that lenders must meet, including specifically-worded disclosures about when the loan becomes effective and the ...

4. California Department of Real Estate - Wikipedia

   en.wikipedia.org/wiki/California_Department_of...

   A real estate license must be obtained from the DRE in order to engage in the real estate business and to act in the capacity of a real estate broker or salesperson within the State of California. Before applying for a license, all education and experience requirements mandated by the Department must be fulfilled. [5]

5. Truth in Lending Act - Wikipedia

   en.wikipedia.org/wiki/Truth_in_Lending_Act

   § 1026.32 frames the requirements for certain closed-end home mortgages. § 1026.33 are requirements for reverse mortgage mortgages, including the total annual loan cost rate and transaction disclosures. [citation needed] § 1026.34 prohibits acts or practices in connection with "high-cost" mortgages. § 1026.35 prohibits acts or practices in ...

6. How to get a mortgage - AOL

   www.aol.com/finance/mortgage-180956822.html

   FHA loans: FHA loans, insured by the Federal Housing Agency (FHA), have more flexible financial requirements than conventional loans. They require a 3.5 percent down payment, a credit score of at ...

7. Income requirements to qualify for a mortgage - AOL

   www.aol.com/finance/income-requirements-qualify...

   FHA loans: Insured through the Federal Housing Administration, FHA loans have more lenient credit score and DTI ratio requirements than conventional mortgages. The minimum down payment is 3.5 percent.