Mortgage Finance

by Dennis H. Doss¹ Many Americans were able to secure 2-4% mortgage loans after the Great Recession and following Pandemic. Understandably, they don’t want to give them up. Many would like to sell their homes, but the prospect of paying 6 percent or more for a new mortgage is holding them back. In their eyes their...

by Dennis H. Doss | Doss Law, LLP On July 1, 2025 California AB 130 became operative law in California. Intended to remedy “zombie loans¹,” it goes further. Formally, it creates California Civil Code Section 2924.13. It targets “subordinate mortgages,” but does not define that term. If property taxes and PACE/HERO liens were included, all mortgages would...

The AAPL Conference 2024 wasn’t just another industry event—it was a reality check. Lenders came ready to talk about the challenges and the solutions they need. From fund formation to compliance, the conversations we had were unfiltered and direct. Curious about it? Read on. What Lenders Want After Fund Formation Failures Fund formation is a...