- California Secretary of State. Official Voter Information Guide, November 3, 2026 General Election. Proposition 37 Official Title and Summary; Legislative Analyst’s Analysis; Arguments and Rebuttals. https://voterguide.sos.ca.gov/propositions/37/
- California Secretary of State. Qualified Statewide Ballot Measures, November 3, 2026. Confirms fourteen statewide measures: five legislative measures and nine initiatives. https://www.sos.ca.gov/elections/ballot-measures/qualified-ballot-measures
- California Attorney General. California Middle-Class Homeownership and Family Home Construction Act of 2026, Initiative 25-0013A1. Full statutory language governing the proposed CalHFA financing structure.
- https://oag.ca.gov/system/files/initiatives/pdfs/25-0013A1%20%28%26quot%3BCalifornia%20Middle-Class%20Homeownership%20and%20Family%20Home%20Construction%20Act%20of%202026%26quot%3B%29_0.pdf
- California Department of Housing and Community Development. California’s Housing Future: Challenges and Opportunities and related statewide housing-production planning materials. Historical housing need and production analysis.https://www.hcd.ca.gov/
- U.S. Census Bureau. Building Permits Survey. Historical California residential permitting data.https://www.census.gov/construction/bps/
- California Legislative Analyst’s Office. California’s High Housing Costs: Causes and Consequences. Analysis of California housing supply, demand and cost pressures.https://lao.ca.gov/reports/2015/finance/housing-costs/housing-costs.aspx
- California Housing Finance Agency. Rates & Reservations — Permanent and Temporary Buydowns. Current CalHFA guidance governing mortgage-rate buydowns. https://www.calhfa.ca.gov/homeownership/rates/
- Federal Housing Finance Agency. Batzer, Coste, Doerner and Seiler. The Lock-In Effect of Rising Mortgage Rates. Research examining the relationship between existing mortgage rates and homeowner mobility. https://www.fhfa.gov/research/papers/wp2403
- Freddie Mac. Mortgage Interest Rate Dispersion by Generation: Implications for the Housing Market. Analysis of mortgage-rate lock-in and generational mobility. https://www.freddiemac.com/research/insight/interest-rate-dispersion-by-generation
- California State Board of Equalization. Proposition 19 — Base Year Value Transfer. Rules governing qualifying property-tax-base transfers for homeowners age 55 and older. https://boe.ca.gov/Prop19/
- National Association of Home Builders. 2026 builder-sentiment and sales-incentive reporting. Used to examine builder responses to affordability and buyer-demand constraints. https://www.nahb.org/
Proposition 37: Before California Votes, Show Us What We Are Being Asked to Approve
