The University of California Office of Loan Programs designed this Consumer Information to help MOP borrowers obtain information and guidance on various real estate lending topics. We believe the information provided here is accurate and reliable, but, in some instances, may represent opinion or judgment.

The University of California does not guarantee the accuracy or completeness of any information on this site, nor will The University of California be responsible for any errors or omissions or for the results obtained from the use of this information. View the full disclaimer for more detail.

Consumer handbook on adjustable rate mortgages PDF

This handbook gives you an over- view of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower.

Acceptable residency verification

The eligibility guidelines for University Home Loan Programs (Mortgage Origination Program and Supplemental Home Loan Program) are patterned to comply with this Act.

Flood insurance

When you do, and don't, need this type of insurance.

Loan Sale Disclosure PDF

Disclosure regarding the University's periodic sale of UC home loans to outside investors.

OFAC Update for Consumers Link

Credit bureaus and agencies have adopted measures to ensure compliance with OFAC (Office of Foreign Assets Control) regulations.

Interest in arrears

First-time homebuyer frequently asked questions.

The ACH payment option

A system that is convenient for borrowers on leave of absence outside the United States.

Mail solicitations and bi-weekly payments

The Office of Loan Programs does not sell or allow access to our mailing list.

Online Security Tips Link

Important cybersecurity habits to incorporate into your online life to help protect your information, your family and your work.

Title insurance in California

A brief overview of Title Insurance and why lenders require it.

The value of home improvements

Which home improvements will generate the most return when you go to sell your property?

Disclaimer

The University of California does not guarantee the accuracy or completeness of any information on this site, nor will be responsible for any errors or omissions or for the results obtained from the use of this information.