{"id":1024,"date":"2023-03-29T13:19:00","date_gmt":"2023-03-29T13:19:00","guid":{"rendered":"https:\/\/www.californiamortgageassociation.org\/?page_id=1024"},"modified":"2024-03-01T17:19:37","modified_gmt":"2024-03-01T17:19:37","slug":"points-of-interest","status":"publish","type":"page","link":"https:\/\/www.californiamortgageassociation.org\/points-of-interest\/","title":{"rendered":"Points of Interest"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f3f3f3&#8243; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;absolute&#8221; position_origin_a=&#8221;top_right&#8221; position_origin_a_tablet=&#8221;top_right&#8221; position_origin_a_phone=&#8221;top_right&#8221; position_origin_a_last_edited=&#8221;on|tablet&#8221; position_origin_f_tablet=&#8221;&#8221; position_origin_f_phone=&#8221;&#8221; position_origin_f_last_edited=&#8221;on|tablet&#8221; position_origin_r_tablet=&#8221;&#8221; position_origin_r_phone=&#8221;&#8221; position_origin_r_last_edited=&#8221;on|tablet&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;0px||||false|false&#8221; positioning_tablet=&#8221;relative&#8221; positioning_phone=&#8221;relative&#8221; positioning_last_edited=&#8221;on|tablet&#8221; 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position_origin_r_phone=&#8221;&#8221; position_origin_r_last_edited=&#8221;on|tablet&#8221; width=&#8221;50%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; positioning_tablet=&#8221;relative&#8221; positioning_phone=&#8221;relative&#8221; positioning_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;3&#8243; max_width=&#8221;1280px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;40px&#8221; header_2_line_height=&#8221;1.1em&#8221; header_2_font_size_tablet=&#8221;40px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>A Publication of the California Mortgage Association<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Valuable Insights and Information About California Private Lending<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin:auto;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; z_index=&#8221;12&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#404040&#8243; link_text_color=&#8221;#3FB1B9&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Points of Interest is the California Mortgage Association&#8217;s newsletter providing readers with valuable insights and information on industry news, legislative updates, legal matters, compliance tips, and much more. All but the most recent issue are available to read below. If you would like to view the latest Points of Interest issue, please <a href=\"https:\/\/www.californiamortgageassociation.org\/member-center\/cma-newsletter\/\">click here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>If you would like to write for us, please <a href=\"#writeForUs\">click here<\/a> and fill out the interest form.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F3F3F3&#8243; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_4,3_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; max_width=&#8221;1280px&#8221; custom_margin=&#8221;||25px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;10px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2024\/02\/CMA-23-3-Cover.png&#8221; title_text=&#8221;CMA 23-3 Cover&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;250px&#8221; width_phone=&#8221;200px&#8221; width_last_edited=&#8221;off|desktop&#8221; min_height=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|100px||50px|false|false&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_phone=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#404040&#8243; header_text_align=&#8221;left&#8221; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;35px&#8221; header_2_line_height=&#8221;39px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Fall 2023<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">A Potpourri of Bankruptcy Issues for Lenders to Consider<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">An Investor&#8217;s Guide to Private Licensing Requirements<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Foreclosure: The Mortgage Industry&#8217;s F-Word is Back in Style<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Lender Alert: LIBOR is Going Away. Are you Prepared?<br \/><span style=\"font-weight: 400;\"><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Bidding Strategies and Issues Under California&#8217;s Post-Foreclosure Auction Process<span style=\"font-weight: 400;\"><\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/23-3\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Montserrat|500|||||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; button_icon_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; 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locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>summer 2023<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Richard C. Temme Becomes &#8220;Honorary Lifetime Director&#8221;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">HDMA \u2013 The Temporary Financing Exclusion<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The Short-Term Rental Debate &#8211; What Investors Can Consider<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Why Should I Care About the Difference Between a Legal Parcel and an APN?<br \/><span style=\"font-weight: 400;\"><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Pros and Cons of Taking Title at the Foreclosure Sale Via an LLC<span style=\"font-weight: 400;\"><\/span><span style=\"font-weight: 400;\"><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Member Spotlight: Lori Bradford<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/23-2\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; 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header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Spring 2023<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It May Be Time to Dust Off Your HMDA Compliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why Use a Certified Appellate Specialist?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CA Supreme Court Refuses to Hear Default Interest Case<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Member Spotlight: Phil Goldstein<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strictly Strickland: Running Your Business<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/23-1\/&#8221; 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header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;45px&#8221; header_2_line_height=&#8221;50px&#8221; background_layout=&#8221;dark&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Newsletter CONTRIBUTORS<\/h2>\n<p>Our Points of Interest writers and producers are professionals and experts in the private mortgage lending industry. Click on each contributors profile to learn more about them.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; max_width=&#8221;1280px&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dica_divi_carousel show_items_desktop=&#8221;3&#8243; loop=&#8221;on&#8221; autoplay=&#8221;on&#8221; hoverpause=&#8221;on&#8221; scroller_effect=&#8221;on&#8221; transition_duration_scroll=&#8221;5000&#8243; item_spacing=&#8221;25&#8243; item_vertical_align=&#8221;flex-start&#8221; advanced_effect=&#8221;1&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; border_radii_image=&#8221;on|10px|10px|10px|10px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][dica_divi_carouselitem title=&#8221;T. Robert Finlay, ESQ.&#8221; sub_title=&#8221;Attorney at Law&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/04\/IMG_00315-robert-finlay-podium_600px.jpeg&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Wright, Finlay &amp; Zak<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Mayumi Bowers&#8221; sub_title=&#8221;Chief Operating Officer&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/04\/IMG_00143-mayumi-bowers-speaking-600px.jpeg&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Mortgage Vintage, Inc.<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Michelle Rodriguez, Esq.&#8221; sub_title=&#8221;Attorney at Law&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/04\/IMG_00384-michelle-rodriguez-speaking-600px.jpeg&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Wright, Finlay &amp; Zak<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Derrick Foote&#8221; sub_title=&#8221;Certified Public Accountant&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/04\/IMG_00311-derrick-foote-booth-1_600px.jpeg&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Duner &amp; Foote<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Angelica Gardner, MBA&#8221; sub_title=&#8221;President&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/1-2.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Asher Evan Investments<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Arnold Graff&#8221; sub_title=&#8221;Attorney At Law&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Arnold-Graff-_-Wright-Finlay-Zak-LLP.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Wright, Finlay &amp; Zak<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Cathy Robinson&#8221; sub_title=&#8221;Attorney At Law&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Cathy-Robinson_Wright-Finlay-Zak.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Wright, Finlay &amp; Zak<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;David Herzer&#8221; sub_title=&#8221;President&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/DAVID-HERZER-Herzer-Financial-Services-Inc.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Herzer Financial Services<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Elizabeth Knight&#8221; sub_title=&#8221;President&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Elizabeth-Knight-PLM-Lender-Services.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u00a0PLM Lender Services<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Joffrey Long &#8221; sub_title=&#8221;President&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Joffrey-Long-Southwestern-Mortgage.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Southwestern Mortgage<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Kevin Kim &#8221; sub_title=&#8221;Partner, Department Head Corporate and Securities&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Kevin-Kim-from-Geraci-Law-Firm.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Geraci Law Firm<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Nema Daghbandan&#8221; sub_title=&#8221;Partner, Department Head Banking and Finance&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/Nema-Daghbandan-Geraci-Law-Firm.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; 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_builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>California Compliance Consulting<\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Dennis Doss&#8221; sub_title=&#8221;Attorney At Law&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/13.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; body_text_align=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#3FB1B9&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;Public Sans||||||||&#8221; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Doss Law<\/span><\/p>\n<p>[\/dica_divi_carouselitem][dica_divi_carouselitem title=&#8221;Henry Chavez&#8221; sub_title=&#8221;Principal&#8221; button_text=&#8221;VIEW PROFILE&#8221; button_url=&#8221;#&#8221; button_url_new_window=&#8221;1&#8243; image=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/05\/8.png&#8221; image_padding=&#8221;||20px||false|false&#8221; button_margin=&#8221;0px||0px||true|false&#8221; button_padding=&#8221;0px|0px|0px|0px|true|true&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Public Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#404040&#8243; header_font_size=&#8221;18px&#8221; header_line_height=&#8221;1em&#8221; subtitle_font=&#8221;Public Sans|500|||||||&#8221; subtitle_text_align=&#8221;center&#8221; subtitle_font_size=&#8221;15px&#8221; 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custom_padding=&#8221;||2px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>PAST ISSUES<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,3_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; max_width=&#8221;1280px&#8221; custom_margin=&#8221;||25px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;10px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.californiamortgageassociation.org\/wp-content\/uploads\/2023\/04\/points-of-interest-cover-2021-spring.jpg&#8221; 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custom_margin=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>\u00a0Spring 2021<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A \u201cWyatt\u201d Standard for Insurance Brokers?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Can Private Money Fuel the Recovery Once Again?<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Am I a \u201cDebt Buyer?\u201d Understanding the New Wave of Debt Buyer Statutes and Their Impact on Servicing Non-Performing Mortgage Debt<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">MEMBER SPOTLIGHT: Donald Hensel<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stricktly Strickland: Be Careful What You Say and How You Say It. Choose Your Words Carefully!<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/21-1\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Montserrat|500|||||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; button_icon_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_on_hover=&#8221;off&#8221; transform_translate_linked=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px|0px|50px|0px|false|true&#8221; 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custom_margin=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Winter 2020\/21<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Assembly Bill 3088: How the California Lenders Dodged a Bullet<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Senate Bill 1079: California&#8217;s New Foreclosure and Post-Foreclosure Process<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">What You Need to Know About ADUs in 2020<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Member Spotlight: Pam Sosa.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stricktly Strickland: DRE Audits and You &#8211; The Aftermath<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/20-4\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Montserrat|500|||||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; button_icon_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_on_hover=&#8221;off&#8221; transform_translate_linked=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px|0px|50px|0px|false|true&#8221; 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What Triggers It, What Happens Next<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/20-2\/?page=1&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Montserrat|500|||||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; button_icon_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_on_hover=&#8221;off&#8221; transform_translate_linked=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px|0px|50px|0px|false|true&#8221; 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title_text=&#8221;points-of-interest-cover-2019-fall&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|100px||50px|false|false&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_phone=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#404040&#8243; header_text_align=&#8221;left&#8221; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;35px&#8221; header_2_line_height=&#8221;39px&#8221; custom_margin=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>\u00a0Fall 2019<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Consumer Laws that Apply to Business Purpose Loans&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Consumer Laws that Apply to Business Purpose Loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Rental Income: Passive v. Non-Passive&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Rental Income: Passive v. Non-Passive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Social Media Posting Plan &amp; Tips&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Social Media Posting Plan &amp; Tips<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Stricktly Strickland: Mortgage Industry Information, Opinions &amp; Tips&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Stricktly Strickland: DRE Special Investigations<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/19-3\/?page=1&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; 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_builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|100px||50px|false|false&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_phone=&#8221;30px|30px|30px|30px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#404040&#8243; header_text_align=&#8221;left&#8221; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;35px&#8221; header_2_line_height=&#8221;39px&#8221; custom_margin=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Summer 2019<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beyond the Basics of the California Consumer Privacy Act: Unanticipated Challenges In Complying With the New Privacy California Law&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Beyond the Basics of the California Consumer Privacy Act: <br \/><\/span><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beyond the Basics of the California Consumer Privacy Act: Unanticipated Challenges In Complying With the New Privacy California Law&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Unanticipated Challenges In Complying With the New Privacy California Law<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If You Charge Default Interest, You'll Want to Read This!&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">If You Charge Default Interest, You&#8217;ll Want to Read This!<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;New California Assembly Bill Adds Challenges for California Lenders&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">New California Assembly Bill Adds Challenges for California Lenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;New California Assembly Bill Adds Challenges for California Lenders&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">California Court of Appeals Expands a Borrower&#8217;s Right to Attorneys&#8217; 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Nationstar<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Stricktly Strickland: Mortgage Industry Information, Opinions &amp; Tips&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Stricktly Strickland: The Horror of a Hard-Money Audit<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/19-2\/?page=1&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; 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custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#404040&#8243; header_text_align=&#8221;left&#8221; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;35px&#8221; header_2_line_height=&#8221;39px&#8221; custom_margin=&#8221;||10px||false|false&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Spring 2019<\/h2>\n<p><span style=\"font-weight: 400;\">Inside this issue:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Ninth Circuit Expands Time for a Borrower to Sue to Enforce Rescission of a Loan Under TILA&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Ninth Circuit Expands Time for a Borrower to Sue to Enforce Rescission of a Loan Under TILA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Robert Finlay Named California Mortgage Association General Counsel&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Robert Finlay Named California Mortgage Association General Counsel<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Priority of Liens 0n California Real Property&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Priority of Liens 0n California Real Property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;What You Need to Know About Mortgage Funds&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">What You Need to Know About Mortgage Funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Stricktly Strickland: Mortgage Industry Information, Opinions &amp; Tips&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8705,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;16&quot;:13}\">Stricktly Strickland: DRE: This and That<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/californiamortgageassociation.org\/newsletters\/19-1\/?page=1&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;View the Flipbook&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#243552&#8243; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Montserrat|500|||||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; button_icon_color=&#8221;gcid-f66983bf-fa2d-41cc-bae2-f703af74ed31&#8243; button_on_hover=&#8221;off&#8221; 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admin_label=&#8221;Section&#8221; module_id=&#8221;writeForUs&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f3f3f3&#8243; custom_margin=&#8221;||-25px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; da_popup_slug=&#8221;writeForUs&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1280px&#8221; custom_padding=&#8221;50px||50px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h2 style=%22text-align: center;%22>Want to Write for Us?<\/h2>\n<p>We&#8217;re always looking for people to contribute ideas and write pieces for our newsletters. If you have ideas and expertise in the private mortgage industry, we want to hear from you. Fill out the form below and tell us a little about yourself.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2 style=%22text-align: center;%22>Want to Write for Us?<\/h2>\n<p>We&#8217;re always looking for people to contribute ideas and write pieces for our newsletters. If you have ideas and expertise in the private mortgage industry, we want to hear from you. Fill out the form below and tell us a little about yourself.<\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#404040&#8243; header_2_font=&#8221;Public Sans|700|||||||&#8221; header_2_text_color=&#8221;#404040&#8243; header_2_font_size=&#8221;45px&#8221; header_2_line_height=&#8221;50px&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; custom_margin=&#8221;|-635px||||&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;50px&#8221; header_2_line_height_phone=&#8221;35px&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Want to Write for Us?<\/h2>\n<p>We&#8217;re always looking for people to contribute ideas and write pieces for our newsletters. 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frm_hidden\">\n\t\t\t\t\tFirst\t\t\t\t<\/label>\n\n\t\t\t\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\ttype=\"text\"\n\t\t\t\t\t\t\tid=\"field_iymjq_first\"\n\t\t\t\t\t\t\tvalue=\"\"\n\t\t\t\t\t\t\tname=\"item_meta[170][first]\"  data-reqmsg=\"Name cannot be blank.\" aria-required=\"true\" data-invmsg=\"Name is invalid\" aria-invalid=\"false\"  \t\t\t\t\t\t\/>\n\t\t\t\t\t\t<div class=\"frm_description\" id=\"frm_field_170_first_desc\">First<\/div>\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tid=\"frm_field_170-last_container\"\n\t\t\t\tclass=\"frm_form_field form-field frm_form_subfield-last  frm6\"\n\t\t\t\tdata-sub-field-name=\"last\"\n\t\t\t>\n\t\t\t\t<label for=\"field_iymjq_last\" class=\"frm_screen_reader frm_hidden\">\n\t\t\t\t\tLast\t\t\t\t<\/label>\n\n\t\t\t\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\ttype=\"text\"\n\t\t\t\t\t\t\tid=\"field_iymjq_last\"\n\t\t\t\t\t\t\tvalue=\"\"\n\t\t\t\t\t\t\tname=\"item_meta[170][last]\"  data-reqmsg=\"Name cannot be blank.\" aria-required=\"true\" data-invmsg=\"Name is invalid\" aria-invalid=\"false\"  \t\t\t\t\t\t\/>\n\t\t\t\t\t\t<div class=\"frm_description\" id=\"frm_field_170_last_desc\">Last<\/div>\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/fieldset>\n\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_171_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container\">\r\n    <label for=\"field_sqozk\" id=\"field_sqozk_label\" class=\"frm_primary_label\">Email\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"email\" id=\"field_sqozk\" name=\"item_meta[171]\" value=\"\" autocomplete=\"email\" data-reqmsg=\"Email cannot be blank.\" aria-required=\"true\" data-invmsg=\"Email is invalid\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_173_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container\">\r\n    <label for=\"field_iv1tf\" id=\"field_iv1tf_label\" class=\"frm_primary_label\">Please give a brief description of who you are, what you'd like to write about, etc.\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <textarea name=\"item_meta[173]\" id=\"field_iv1tf\" rows=\"5\"  data-reqmsg=\"Please give a brief description of who you are, what you&#039;d like to write about, etc. cannot be blank.\" aria-required=\"true\" data-invmsg=\"Paragraph is invalid\" aria-invalid=\"false\"  ><\/textarea>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_172_container\" class=\"frm_form_field form-field  frm_none_container\">\r\n    <label for=\"g-recaptcha-response\" id=\"field_pnuq7_label\" class=\"frm_primary_label\">Captcha\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/label>\r\n    <div  id=\"field_pnuq7\" class=\"frm-g-recaptcha\" data-sitekey=\"6LeBLCYpAAAAAM8vkz_SJxUKbT8Dfga4X_s_ubli\" data-size=\"invisible\" data-theme=\"light\"><\/div>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_699_container\" class=\"frm_form_field form-field \">\n\t<div class=\"frm_submit\">\r\n\r\n<button class=\"frm_button_submit frm_final_submit\" type=\"submit\"   formnovalidate=\"formnovalidate\">Submit<\/button>\r\n\r\n\r\n<\/div>\n<\/div>\n\t<input type=\"hidden\" name=\"item_key\" value=\"\" \/>\n\t\t\t\t<div class=\"frm__654920a39baec\">\n\t\t\t\t<label for=\"frm_email_12\" >\n\t\t\t\t\tIf you are human, leave this field blank.\t\t\t\t<\/label>\n\t\t\t\t<input  id=\"frm_email_12\" type=\"text\" class=\"frm_verify\" name=\"frm__654920a39baec\" value=\"\" autocomplete=\"false\"  \/>\n\t\t\t<\/div>\n\t\t<input name=\"frm_state\" type=\"hidden\" value=\"sR1ryGvtIT1zqTc+bA6eQFoFUuZunDrOc8OiO5Faroo=\" \/><\/div>\n<\/fieldset>\n<\/div>\n<\/form>\n<\/div>\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Publication of the California Mortgage AssociationValuable Insights and Information About California Private LendingPoints of Interest is the California Mortgage Association&#8217;s newsletter providing readers with valuable insights and information on 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