The University of California Office of Loan Programs designed this Consumer Information to help MOP borrowers obtain information and guidance on various real estate lending topics. We believe the information provided here is accurate and reliable, but, in some instances, may represent opinion or judgment.

The University of California does not guarantee the accuracy or completeness of any information on this site, nor will The University of California be responsible for any errors or omissions or for the results obtained from the use of this information. View the full disclaimer for more detail.

Consumer handbook on adjustable rate mortgages PDF

This handbook gives you an over- view of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower.

Acceptable residency verification

The eligibility guidelines for University Home Loan Programs (Mortgage Origination Program and Supplemental Home Loan Program) are patterned to comply with this Act.

STIP (Short-term Investment Pool)

The Short-Term Investment Pool is the working capital account of the University. View details on its use, investment and relationship to MOP.

Flood insurance

When you do, and don't, need this type of insurance.

Patriot Act and U.S. Residency/SSN Requirements Disclosure PDF

Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer.

Loan Sale Disclosure PDF

Disclosure regarding the University's periodic sale of UC home loans to outside investors.

Hidden costs of home ownership

General advice for the first-time homeowner.

OFAC Update for Consumers Link

Credit bureaus and agencies have adopted measures to ensure compliance with OFAC (Office of Foreign Assets Control) regulations.

Interest in arrears

First-time homebuyer frequently asked questions.

The ACH payment option

A system that is convenient for borrowers on leave of absence outside the United States.

Mail solicitations and bi-weekly payments

The Office of Loan Programs does not sell or allow access to our mailing list.

Online security tips

List of measures suggested by security professionals to help protect the security and confidentiality of data stored on your computer or exchanged with others via electronic means.

Options to holding title to real estate in California

Discussion of sole-ownership and co-ownership methods of holding title.

Pre-approved vs. pre-qualified

Is your realtor asking for a pre-qualification letter? What is it, and how does it differ from a pre-approval letter?

Property taxes in California

How your property taxes are determined and when they are due.

Should I carry earthquake insurance?

One of the most common questions. A look at both sides of the issue.

Title insurance in California

A brief overview of Title Insurance and why lenders require it.

The value of home improvements

Which home improvements will generate the most return when you go to sell your property?

What is a FICO score?

The FICO® score is a numeric snapshot of your credit risk picture at a particular point in time.

What is Reg Z?

A brief explanation of the Federal Truth-In-Lending Disclosure.

Your credit report

What lenders look for on a credit report and how you can resolve credit disputes.

Disclaimer

The University of California does not guarantee the accuracy or completeness of any information on this site, nor will be responsible for any errors or omissions or for the results obtained from the use of this information.