Top Mortgage Risks: Empowering Knowledge for Every Borrower and Lender.

The mortgage industry, a vital pillar of the housing market, is not immune to significant risks.  Both lenders and borrowers face challenges that, if not managed effectively, can lead to severe financial strain.  Below, we present the top mortgage risks, ranked by their potential Impact, along with real-world examples, to raise awareness and caution.

AB-628: Working Refrigerators and Stoves Become Mandatory in Most Rental Homes (Effective 1 January 2026)- Technical Read

AB-628: Mandatory Refrigerators and Stoves in Rental Units Starting 2026- Quick Read

How to Locate, Vet, and Negotiate with Private Money Lenders: The Key to Secure and Confident Real Estate Financing, Packed with Valuable Insights

(A Borrower’s Handbook)

AB-326: California Balcony/Exterior Elevated Elements (EEEs) Inspection and Repair, Compliance

SB 326 vs. SB 721-What Property Owners/HOAs Must Do

SB-808: Accelerating Judicial Review for Housing Development Disputes- Technical Read

California SB-770: Removing Barriers to EV Charging in Common Interest Development- Quick Read

California SB-748: Technical Framework for Safe Parking and Encampment Resolution- Technical Read

California SB-748: Expanding Safe Parking and Accountability in Homelessness Program- Quick Read

SB-655: Setting a Safe Indoor Temperature Standard for Homes-Quick Read

A Dramatic Shift in Real Property Development is Upon Us

California is on a mission to install millions of high-density stack-and-pack apartment dwellings and affordable housing units to conform to the vision outlined by former President Obama, as outlined in the Affordable Furthering Fair Housing (AFFH) initiative. Stack up to the heavens, and they will come.

SB-634: Protecting Humanitarian Aid and Support Services for Unhoused Californians- Quick Read

SB 543: Streamlining ADU and JADU Development Across California- Quick Read

SB-507: Integrating Tribal Housing into California’s RHNA Framework-Quick Read

SB-489: Addressing California’s Housing Crisis by Streamlining Approvals and Enhancing Transparency-Quick Read

SB-410: Strengthening Safety and Transparency in Common Interest Developments-Quick Read

SB-358: Reforming Traffic Impact Fees to Promote Transit-Oriented Housing- Quick Read

SB 340: Strengthening Emergency Shelter Requirements in California Housing Elements-Quick Read

SB-262: Expanding California’s Pro-Housing Designation Program- Quick Read

SB-92 Housing Development: Reforming Density Bonus Law- Quick Read