Office of Loan Programs - Consumer Information

Consumer Information

Disclaimer
Acceptable Residency Verification
Brief Introduction to STIP (Short-Term Investment Pool)
The Short-Term Investment Pool is the working capital account of the University. This article details its' use, investment and relationship to MOP.
Flood Insurance
When you do, and don't, need this type of insurance.
The Hidden Costs of Homeownership
General advice for the first-time homeowner.
Interest In Arrears
Introducing the ACH Payment Option
Introducing the Graduated Payment Mortgage
Mail Solicitations And Bi-Weekly Payments
On-Line Security Tips
Options for Holding Title to Real Estate in California
A 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?
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?