California Real Estate Finance / Edition 8

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Highly practical in focus, this book reflects today's ever-changing real estate market as it examines such basic principles as creative financing, construction financing, adjustable and variable rate mortgage plans, and real estate mathematics. Focusing on financing for the home buyer, this book covers buyers in all income categories and discusses various types of lenders; different types of financing; the process of a mortgage; and common mortgage problems with some potential solutions. The sixth edition of California Real Estate Finance has been revised to incorporate a simplified presentation, while expanding coverage of many topics. It includes a unique new chapter on financing for low- and moderate-income home buyers. The book also now includes a section on the use and application of the financial calculator for solving real estate problems. An essential reference for any real estate professional, home buyer, or seller in the state of California.
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Product Details

  • ISBN-13: 9780324378344
  • Publisher: Cengage Learning
  • Publication date: 7/25/2006
  • Edition description: Older Edition
  • Edition number: 8
  • Pages: 496
  • Product dimensions: 8.40 (w) x 10.80 (h) x 0.70 (d)

Meet the Author

Robert J. Bond is a graduate of the College for Financial Planning. Prior to becoming a Certified Financial Planner, he worked in a variety of fields related to finance, including commercial banker, mortgage agent, and real estate broker. Bob was the founding director of the California Real Estate College that prepared candidates for sales and broker licensing. He has been a frequent lecturer on real estate and financial planning and has taught at UCLA, CSULA, American Institute for Continuing Education and for the College for Financial Planning. His past publications include: Personal Finance, California Real Estate Principles, Real Estate Practice, Real Estate Finance and many more. Bob had spent 30 years teaching courses in Real Estate, Finance, and Investments at Los Angeles Valley College, where he was chairman of the Business Administration Department before retiring in 1994. His professional designations and licenses have included Registered Principal (NASD), Variable Annuities Agent, Real Estate Broker, Fire and Casualty Agent, NASD Series 7 and 63, and Registered Investment Advisor.

Dennis J. McKenzie, MBA, MA Economics, was an instructor in Real Estate and Economics, College of the Redwoods. He was formerly senior faculty in real estate, University of Southern California, College of Continuing Education. McKenzie was a REALTOR?, a GRI, and a faculty member of the REALTORS? Institute. He also served as an educational consultant for the California Department of Real Estate and was a past recipient of the Teacher of the Year award granted by the California Real Estate Educators Association.

John Fesler is an instructor of real estate finance at the College of the Redwoods. He previously taught six years as an Anthony Schools real estate instructor and was also a weekend instructor at Hancock Community College. John is an authorized California Association of REALTORS? instructor to teach the State required Ethics course. He is also the committee Chair for the local real estate association Long Range Planning Committee and Grievance Committee and has served on the Professional Standards Committee.

Rick Boone received his BA from Biola University in 2000 and is currently pursuing an MBA from CSU Fullerton with an emphasis on entrepreneurship. After nearly a decade as an investment real estate agent, Rick began teaching at Orange Coast College, Costa Mesa, where he continues to teach real estate courses and serves as vice president of their Executive Board.

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Table of Contents

Ch. 1 Why Real Estate Finance? 1
Ch. 2 Institutional Lenders: Who and What are They? 31
Ch. 3 Noninstitutional Lenders: Who are They? 59
Ch. 4 Alternative Mortgage Instruments: What are They? 83
Ch. 5 What are Conventional Loans? 115
Ch. 6 How Do the Federal and State Governments Help Finance Home Loans? 139
Ch. 7 Points, Discounts, and the Secondary Mortgage Market: How Do They Act and Interact? 167
Ch. 8 What Role Does "Qualifying the Property" Play in Loan Underwriting? 187
Ch. 9 What Role Does "Qualifying the Buyer" Play in Loan Underwriting? 217
Ch. 10 How Do Processing, Closing, and Servicing Real Estate Loans Take Place? 243
Ch. 11 How Do Foreclosures and Other Lending Problems Fit into Real Estate Finance? 277
Ch. 12 Construction Financing: What are the Major Sources? 305
Ch. 13 How Can I Simplify Problem-Solving Related to Real Estate Finance? 329
Ch. 14 What are Some Creative Financing Approaches? 391
Ch. 15 What are Some Financing Choices Designed for Low- to Moderate-Income and First-Time Home Buyers? 431
App Financing Small Residential Income Properties 477
Glossary 486
Answers to Multiple-Choice Questions 496
Index 497
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  • Anonymous

    Posted March 16, 2009

    Excellent Reference Source For New Real Estate Investors

    I reccomend this publication be used as a study guide by new Real Estate Investors. It is an excellent source of iformation for gaining an understanding in the basics of Real Estate Finance. The information is clear and to the point, and does NOT require any previous background or training for the reader to understand it.

    Was this review helpful? Yes  No   Report this review
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