California Government Loan Mortgage

This text is ideal for people studying for a real estate licensee, individuals seeking to enter the mortgage loan business and for those already actively working in the industry. Key topics of coverage include appraisal, credit agencies, title and escrow, and computer programs used in the industry. Important legal concepts such as trust fund handling and both federal and state compliances are also covered. There is extensive coverage of the forms necessary for the industry such as loan application, credit authorization, actual escrow instructions and much more.

Federal Home Loan Mortgage Corporation - The Federal Home Loan Mortgage Corporation ("Freddie Mac") is a stockholder-owned, publicly-traded company chartered by the United States federal government in 1970 to purchase mortgages and related securities, and then issue securities and bonds in financial markets backed by those mortgages in secondary markets. Freddie Mac, like its competitor Fannie Mae is regulated by the Office of Federal Housing Enterprise Oversight (OFHEO) in the United States Department of Housing and Urban Development.

Ameriquest Mortgage - Ameriquest is one of the United States's leading wholesale sub-prime lenders. It is a private company, owned by Roland Arnall, founded in 1979, in Orange County, California, as a bank, Long Beach Savings & Loan.

Government National Mortgage Association - The Government National Mortgage Association (GNMA, also known as Ginnie Mae) was created by the United States Federal Government through a 1968 partition of the Federal National Mortgage Association. The GNMA is a wholly owned corporation within the United States' Department of Housing and Urban Development (HUD).

California government and politics - California is governed as a republic, with three branches of government, the executive branch consisting of the Governor of California and the other elected constitutional officers, the legislative branch consisting of the Assembly and Senate, and the judicial branch consisting of the Supreme Court of California and lower courts. The State also allows direct participation of the electorate by referendum, recall, and ratification.

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