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- California Secretary of State. (2026). Proposition 37: Text of proposed laws. Proposed Health and Safety Code §§ 51515, 51515.05(b)–(c), 51515.06, printed pp. 119, 121–122. https://vig.cdn.sos.ca.gov/2026/general/pdf/prop37-text-proposed-laws.pdf
- California Department of Real Estate. (2025, August 1). Buying a home. https://www.dre.ca.gov/newsroom/DRE_Updates/2025_08_01_Buying_a_Home_Tips.html
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- California Housing Finance Agency. (2023, July 12). Zero Interest Program (ZIP) interest rate acknowledgment. https://www.calhfa.ca.gov/homeownership/forms/disclosure-zip-interest-rate.pdf
- California State Board of Equalization. (2024). 2023–24 annual report: Average property tax rate (p. 14). https://www.boe.ca.gov/legdiv/2023-2024/pub306.pdf
- Orange County Assessor. (n.d.). Buying or selling property? https://www.ocassessor.gov/real-property-assessments/buying-or-selling-property
- California Department of Insurance. (2026). Department of Insurance, Consumer Watchdog and State Farm reach settlement agreement. https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release012-2026.cfm
- Foundation for Community Association Research. (2025, April). Insurance coverage trends in community associations: Snap survey. https://foundation.caionline.org/wp-content/uploads/2025/04/Insurance-Coverage-Trends_V2.pdf
- California Energy Commission. (2025). 2025 single-family solar PV: 2025 Energy Code FAQs, including exemptions. https://www.energy.ca.gov/programs-and-topics/programs/building-energy-efficiency-standards/energy-code-support-center-12
- Fannie Mae. (2025, April 2). Selling Guide B3-6-02: Debt-to-income ratios. https://guide-selling.fanniemae.com/sel/b3-6-02/debt-income-ratios
- U.S. Department of Veterans Affairs, Veterans Benefits Administration. (2025). Annual benefits report, fiscal year 2025: Home loan guaranty (pp. 198, 204). https://benefits.va.gov/REPORTS/abr/docs/2025-loan-guaranty.pdf
- U.S. Department of Veterans Affairs. (n.d.). Veteran Population Projection Model 2023: FY2025 projected veteran population. https://www.va.gov/VETDATA/docs/Demographics/New_Vetpop_Model/1L_VetPop2023_National_NCVAS.xlsx
- USDA Rural Development. (n.d.). Single Family Housing Guaranteed Loan Program. https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program
- California Legislative Analyst’s Office. (2026, November 3). Proposition 1: Authorizes bonds for housing affordability programs. Official Voter Information Guide. https://www.lao.ca.gov/BallotAnalysis/Proposition?number=1&year=2026
- California Housing Finance Agency. (2026, October 22). Today’s interest rates. https://cloud.calhfa.ca.gov/apps/rates/
- California Department of Veterans Affairs. (2026, June 29). CalVet home loans for veterans. CA.gov. https://www.ca.gov/departments/163/services/64/
- California State Treasurer. (n.d.). Official statements. Public Financing Division. https://www.treasurer.ca.gov/inside/divisions/PFD/bond-sales/os
Proposition 37: The Second Mortgage Is Still a Mortgage – Footnotes
