Topic 1: 팬데믹 하에서 2021 북가주 부동산 동향 - 강상철 (KARL 회장, Palazzo Investment 대표)
팬데믹 하에서 융자 동향 - 박수경 (KARL 부회장, 모아융자 대표)
SBA 융자의 혜택 - 스텔라 손 (Bank of Hope)
2021년 업데잇 된 Conforming loan - 김경은 (Katie Kim) 융자
모기지 Forbearance 관련 정보 - 제인 리 융자
Primary home과 Second home - 김현수 융자 (모기지월드)
Topic 3: 팬데믹 하에서 달라진 Rental Law (Commercial & Residential) 재키 김 부동산 - Millennium Realty
Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity. FHFA (Fannie Mae's and Freddie Mac's conservator) announced March 10 that they are limiting new loans secured by second homes or investment properties to 7% of the overall loans they purchase (roughly HALF their historic levels!), effective April 1.
TAX SAVINGS FOR OLDER HOMEOWNERS
Thanks to Prop 19, seniors, retirees, and all homeowners aged 55+ can move closer to family, medical care, or to a home that better meets their needs anywhere in California without a
Prop 19 removed unfair location and price restrictions, allowing older homeowners to transfer the tax base of their home to a new home.*
SAVINGS FOR HOMEOWNERS WITH SEVERE DISABILITIES
Prop 19 also removed unfair restrictions on Californians with severe disabilities, allowing homeowners to move to a replacement home anywhere in California without a tax penalty.*
Under Prop 19, homeowners with severe disabilities can transfer the tax base of their existing home to a replacement home up to three times.
HOUSING RELIEF FOR VICTIMS OF WILDFIRE AND NATURAL DISASTER
After wildfires destroyed more than 24,000 family homes in the past few years, wildfire victims have faced massive property tax hikes when relocating to another home.
Prop 19 allows victims of wildfire or natural disaster to transfer the
property tax base of their damaged house to a replacement home
anywhere in California.*
Proposition 19 Fully goes into effect on April 1, 2020