Real Estate Pop Culture / Who Is That?
This OCT Escrow Officer has 5 pets. (2 dogs, 1 chat, & 2 chickens)
Who is Sandra Thompson?
This type of mortgage allows the interest rate to change periodically based on a specific index.
What is an adjustable-rate mortgage (ARM)?
This OCT tool can give up to 4 comparisons to help home buyers and sellers make offers.
What is Net Advantage (Net Sheet Tool)?
This OCT product can generate an AI profile, 25 likely sellers and a Market Snapshot in 30 seconds or less.
What is the OCT Power Bundle?
The common term for the type of compensation that complicates income calculations for tech employees seeking mortgages.
What are RSUs (Restricted Stock Units)?
This catchy 3-word phrase, often used to describe the most important factor in buying real estate, was first seen in a 1926 classified ad.
What is “Location, location, location”?
This current conventional loan limit in San Mateo and Santa Clara counties for 2025, above which jumbo financing is required.
What is a $1,209,750?
What OCT calculator helps people sell and move their low-tax base to another home? (Available on our mobile app and website)
What is the Prop 19 Calculator?
What kind of loan will qualify you if you do not have a job?
What is DSCR Loan? (Debt Service Coverage Ratio)
This economic indicator is closely watched by mortgage professionals when predicting future interest rate movements.
What is the 10 year treasury yield?
This Intero Manager got their bachelor's degree in Science & Meteorology?
Who is Shokoofeh?
This loan program allows for buyers to put 0% down.
What is a VA loan?
This strategy is used to increase agent productivity and lead opportunities
What is OCT Farming?
This loan for self employed borrowers allows for an income calculation that does not include tax returns.
What is a bank statement loan?
The technical term for when short-term interest rates are higher than long term rates, which occurred briefly in Q1 2025.
What is an inverted yield curve?
In Friends, this character famously overpaid for an apartment that turned out to be an illegal sublet.
Who is Ross?
This term describes a mortgage where payments are scheduled to pay off both interest and principal over a set period, usually 15 or 30 years.
What is an amortizing mortgage?
In this year Orange Coast Title was founded in California.
What is 1974?
Senior Citizens, Military, and these two other groups groups receive a discount from Orange Coast Title when they are paying for title fees.
Who are First Responders and / or First Time Home Buyers?
This mortgage solution has become popular with tech employees who are home equity rich but do not want to liquidate stocks to purchase their next home
What is a cross-collateral (bridge) loan?
This animal was once used in property listings in Texas to describe how much land you’d get — instead of using acres.
What is a cow? (Ex: “enough for 30 cows”)
Borrowers who put down less than 20% on a conventional loan typically must pay this type of insurance.
What is private mortgage insurance (PMI)?
How many Title Policy Underwriters can OCT use to insure your next transaction?
What is 4? (Orange Coast, First American, Stewart and Old Republic)
What is every agents core dream team?
Who is PHM, OCT and Home Services Insurance?
This sophisticated wealth management strategy that allows borrowers to use their investment portfolio as collateral instead of a traditional down payment.
What are "securitizing assets' or "pledged assets"?