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Under new rules intended to stabilize California's troubled home insurance market, insurers will be able to set rates by drawing on a wide swath of meteorological, geographic and other data in ...
“That’s because restrictions or assessments imposed by the property’s homeowners association (HOA) or condo association are out of the borrower’s control, which creates a layer of risk for ...
Refinancing will feel fairly similar to when you closed your first mortgage. You might need to consider how to budget for property taxes and homeowners insurance in your closing costs this time ...
Under Davis–Stirling, a developer of a common interest development is able to create a homeowner association (HOA) to govern the development. As part of creating the HOA, the developer records a document known as the Declaration of Covenants, Conditions, and Restrictions against the units or parcels within the HOA with the county recorder.
The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance. Originally, only those with an LTV of 105% could qualify.
The DRE was founded in 1917, when the California legislature enacted the nation’s first real estate law. In July 2013, the department briefly merged with the California Department of Consumer Affairs as the Bureau of Real Estate. In January 2018, through Senate Bill 172, it again became an independent department. [3]
As of today, January 12, 2024, 30-year fixed mortgage rates are slightly down, as are 30-year fixed refinance rates. Last week's average was 6.62%, and 15-year fixed rates were 5.89%. Today's ...
California is the only state that requires them to do so. Company representatives have long argued that the state’s restriction is obsolete because it does not allow them to properly plan for ...