The California Association of Mortgage Brokers (CAMB) is a nonprofit organization providing education to mortgage industry members, establishing and promoting high industry standards and working to increase consumers' understanding of mortgage brokers' services and loan products. Not only do CAMB members subscribe to a code of ethics, but its professional 1 and associate members hold individual licenses from the California Department of Real Estate. CAMB aggressively supports the notion that the first line of protection for consumers is to work with professionals who hold their own license, and thus are accountable to regulatory agencies, legislative bodies and the public for their actions. CAMB is highly committed to increasing consumer information and education, self-policing the industry, working with regulators and legislative bodies at the federal and state level to provide prudent products that make sense for the consumer, and continuing the fight against fraud in all its forms. Working with a CAMB member represents consumers' choice in product selection, consumers' greater knowledge for a loan that suits your needs at that time, and consumers' representation by a licensed professional. CAMB members are dedicated to consumers' access to and sustainability of the American Dream.
New appraisal regulations as of May 1, 2009
Please complete our survey.
We need to hear about your experiences with the new appraisal process known as HVCC and more importantly our State and Federal Regulators and Legislators need to hear real-life examples of HVCC. Please take a few moments to complete our survey. Go to Appraisal/HVCC Survey and tell us about your appraisal experience. This survey is designed for Consumers, Appraisers, Mortgage Professionals, and Realtors to complete.
CAMB has sponsored an HVCC (Home Valuation Code of Conduct) Web site address www.PropertyUnitesUs.com where you, your clients, consumers, Realtors®, appraisers, loan originators and builders can find out more about this new regulation and post real life examples of how consumers are being negatively impacted by the HVCC.
The Home Valuation Code of Conduct (HVCC) limits freedom of choice without protecting the consumer’s or investor’s best interest! We know you have all sorts of examples of higher costs, poor service, lack of portability (inability to use one appraisal for more than one lender), poor quality of appraisals, and inability to make corrections to inaccurate information. Please make your voices heard.
Click on the links below to find out if you qualify for the Obama special streamline refi program up to 105% LTV. All they have to do is click on the link and enter the address.
- Does Fannie Mae Own Your Mortgage? Find out!
- Does Freddie Mac Own Your Mortgage? Find out!
Choosing a mortgage broker means receiving an expert mentor through the complex mortgage lending process. A mortgage broker offers you extensive choices and access to information while balancing your financial interests and goals. Need more information?
Download CAMB's Dream Brochure English | Spanish |
Members Please 
