Homeownership

Most Frequently Viewed Resources

What should a tenant do if his or her apartment needs repairs? Can a landlord force a tenant to move? How many days notice does a tenant have to give a landlord before the tenant moves? Can a landlord raise a tenant’s rent? California Tenants—A Guide to Residential Tenants’ and Landlords’ Rights and Responsibilities answers these questions and many others.

If you cannot afford the filing fee or other court costs, you may qualify to have these fees and costs waived by the court.

Ask questions and get answers, in real time, right here on the Internet, from live law librarians throughout California.

Whatever the reason, you have the right to represent yourself, to be your own lawyer in all cases in California.

This section will give you general guidelines for how to best prepare yourself for court.

The Constitution; Executive and Administrative Laws; County, Appellate, Supreme Court, and Federal Districts; State Legislation; and Legal Guides.

ADR is usually less formal, less expensive, and less time-consuming than a trial.

Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.

The comprehensive guide to making purchases and dealing with companies.

Mediation is an informal, voluntary, non-binding process for conducting settlement negotiations between you and your insurance company.

Alphabetical Listing of Resources

A step-by-step guide on what to do when your lender changes your home equity line of credit.

The booklet describes generally the steps involved in the resident purchase of a mobilehome park, points out some problems common to resident purchase and provides information which is designed to help you understand your role in the process.

Good faith; prompt, honest, and timely communications; fair claims; cooperative investigation; additional living expenses; adjusting and paying your dwelling claim; contractors; fair depreciation; examination under oath; and complaints.

Asset Management, Bank Accounts, Consumer Loans, Credit Scores, Credit Cards, Insurance, Mortgages, and Regulations.

Licenses, identity, deposits, and background checks.

The Buying a Home Leader?s Guide provides detailed information, written in question-and-answer format, to help teach potential homebuyers how to navigate the often complex process of purchasing a home. The guide covers such topics as how to choose a real estate professional, how to qualify for a mortgage, and what is involved in the settlement (closing) process. It also explains unfamiliar terms and provides tips and suggestions to help the purchase process go more smoothly.

The video guides consumers through the process of selecting, hiring and managing a contractor including: how to verify a contractor's credentials, what to include in the written contract How to prevent common disputes, and where to go if problems arise.

Your rights when dealing with bad home equity loans.

Dropped after a total loss from a declared disaster, partial loss or second renewal, and not having "defensible space".

If your complaint is regarding one of the following: Banks, Business and Industrial Development Corporations (BIDCO), Credit Unions, Local Agency Security Program (LASP), Money Transmitters, Premium Finance Companies, Trust Companies and Departments, California Finance Lenders, California Residential Mortgage Lenders, Capital Access Companies, Check Sellers, Bill Payers and Proraters, Deferred Deposit Transactions (Commonly known as Payday Loans), Escrow Agents/ Escrow Laws, Franchises, Investment Advisers, and Mortgage Loan Originators Securities Broker Dealers.

CalHFA offers below-market interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time homebuyers.

What should my first steps be? What does the Additional Living Expense (ALE) part of my policy cover? Will my insurer cover the cost if I live in a trailer during reconstruction? Who is responsible for clearing the debris from my lot and is that covered under my policy? How can I get a fair claim settlement? What are my legal rights in California? The insurance company will only pay according to its "pricing guidelines"?

The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program.

Why can"t I just deposit and use my insurance checks? Will the mortgage company pay me interest on the insurance proceeds they are holding?

Rebuilding after a natural disaster. How to check a contractor's license status and history.

Depending on your situation, you may need to hire a public adjuster, a lawyer, a construction estimator, an industrial hygienist or other type of expert.

How to protect your home and your equity.

Your rights to cancel after signing a contract.

Complaints within the board's jurisdiction involve failure of a licensed contractor to fulfill the terms of an agreement.

How to figure out the market value.

It"s very likely that a mortgage servicer that files for bankruptcy will sell its assets under the supervision of the bankruptcy court to another financial institution and transfer the servicing of your loan to another company. A mortgage servicer that simply goes out of business probably would transfer the servicing of your loan to another company as well.

Changes to state law have created some consumer protection for homeowners.

In today"s market, loans and the rights to service them often are bought and sold.

Will they "take" homes from Medi-Cal clients after they die?

If you suspect that your application was illegally denied.

Information about fraudulent foreclosure rescue scams and where to find help.

The Office of the Attorney General has limited, discretionary authority to intervene on behalf of homeowners who are denied certain prescribed rights provided by the California Corporations Code.

Negotiation, alternative dispute resolution, mediation, litigation, and arbitration.

Info about how reverse mortgages work, types of reverse mortgages available, and how to get the best deal on a reverse mortgage.

Communicating with your insurance company is an incredibly important part of the claims process. The insurance company may try to handle your claim by telephone, with no records.

What to do if a mechanics lien has been recorded on your property.

The purpose of this booklet is to provide basic information about using the services of a mortgage broker, which may assist you in making an informed decision when seeking a home loan

Many home warranties are backed by the builder; others are purchased by the builder from an independent company that assumes responsibility for certain claims.

A guide to avoiding contractor scams and contacting the CSLB.