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CA AB2145
Bill
Status
Introduced
2/18/2026
Primary Sponsor
Robert Garcia
Click for details
AI Summary
- Allows borrowers who have reached retirement age to transfer their existing mortgage interest rate and remaining loan term to a new mortgage when purchasing a replacement principal residence
- Applies to any loan secured by a mortgage or deed of trust that is open on January 1, 2027, or any new loan opened on or after that date
- Adds Section 2924.4 to the Civil Code regulating mortgages on residential real property
- Requires no state appropriation and has no fiscal impact on state or local government
Legislative Description
Mortgages: principal residence.
Last Action
Referred to Com. on JUD.
3/9/2026
Committee Referrals
Judiciary3/9/2026
Full Bill Text
No bill text available