AB-463 (likely AB 462): Speeds Approvals for Coastal & Disaster Area ADUs

A complete length policy analysis for homeowners, local officials, lenders, and advocates (October 2025

AB-463: Accelerating ADU Permits in Coastal Zones and Disaster Recovery Areas- Quick Read

AB-457 — Addressing Farmworker Housing Shortages in California’s Central Valley

A full-length policy analysis for practitioners, local officials, lenders, and advocates (October 2025)

AB-457: A Game-Changer for Farmworker Housing in Fresno, Madera, and Merced- Quick Read

AB-413: Translating State Housing Guidance into California’s Major Languages

A full-length policy analysis for practitioners, advocates, and local officials

AB-413: Expanding Language Access in California Housing Policy- Summary Read

Assembly Bill 413 (AB-413), introduced by Assemblymember Mike Fong during the 2025–2026 legislative session, addresses a critical barrier in California’s housing policy: language accessibility. The bill mandates that the California Department of Housing and Community Development (HCD) translate its public-facing guidelines into the non-English languages spoken by a substantial number of residents. This measure aims to ensure that all Californians—regardless of language proficiency—can understand their rights and access housing-related services.

California AB-301: Residential Private Permitting Act and Post-Entitlement Phase Permits

California is currently grappling with a severe housing crisis, a pressing issue that has prompted lawmakers to take action. Assembly Bill 301 (AB-301), authored by Assembly Members Pilar Schiavo and Robert Rivas, is a significant step in this direction. It expands existing housing approval reforms by imposing strict timelines on state agencies for permits issued during the post-entitlement phase—mirroring requirements already applied to local governments

California AB-36: Housing Elements and the Pro-housing Designation Program

California continues to push for accelerated housing production and affordability through legislative reforms. Assembly Bill 36 (AB 36), authored by Assembly Member Esmeralda Soria, strengthens the Pro-housing Designation Program (PDP) by shifting from temporary emergency regulations to permanent rules and expanding incentives for jurisdictions that adopt pro-housing policies.

California AB-87: Housing Development and Density Bonuses Explained

California continues to push aggressive housing reforms to address its affordability crisis. Assembly Bill 87 (AB 87), authored by Assembly Member Tasha Boerner, amends the state’s Density Bonus Law (DBL) to clarify how incentives apply to mixed-use developments and affordable housing projects.

California SB-79: Transforming Housing Near Transit Hubs

On 10 October 2025, Governor Gavin Newsom signed Senate Bill 79 (SB-79) into Law, marking one of the most significant housing reforms in California’s History. Authored by Senator Scott Wiener, SB-79 aims to tackle the state’s housing affordability crisis by upzoning land near major transit stops and streamlining development in transit-rich areas.

California’s New Building Standards: How State Mandates Are Reshaping Property Rights and Neighborhoods

California building standards, Title 24 compliance, electrification mandates, zoning changes, erosion of property rights, high-density housing, progressive energy codes, natural gas bans, and real estate development in California.

California’s Housing Revolution: How Federal Mandates and Progressive Policies Are Reshaping Property Rights and Suburban Life

California housing policy, AFFH regulation, real estate lending crisis, suburban zoning changes, erosion of property rights, HUD mandates, progressive housing agenda, decline of commercial real estate, and threat to suburban lifestyle.

(The Borrower’s Playbook) How to Find, Vet, and Negotiate with Private Lenders: The Key to Secure and Confident Real Estate Financing

AB-130: The New California Law that States That a Homeowner Association Fee Violation cannot be more than $100?

Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.

Credit Card use can be beneficial. It can also become a curse to deal with. Consumer habits will dictate whether it is advantageous or a curse.

Credit cards can be powerful financial tools, but they come with both advantages and disadvantages.

Insurance Companies: Admitted vs. Non-Admitted

Here’s the difference between admitted and non-admitted insurance carriers in California:

How Are FICO Scores Calculated, and Why Are They Important?

✅ How FICO Scores Are Calculated

Should Commercial Lenders Enforce the Due-on-Encumbrance Clause if a Borrower Records a PACE Loan?

Yes, a commercial lender can generally enforce a due-on-encumbrance clause if the borrower records a PACE (Property Assessed Clean Energy) loan, because:

Top Mortgage Risks: Understanding What is Crucial Knowledge for Every Lender and Borrower

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.

PACE Regulatory Reset-2025. Shortened Version.

What changed—and why it matters.