Cal. HSC § 51152

Loans shall not be made by the agency to a qualified mortgage lender under this article, except pursuant to an agreement between the agency and the qualified mortgage lender. The agreements shall include the following: (a) A maximum interest rate that can be charged for construction loans or mortgage loans. (b) A specification of the requirements of loans authorized by this part. (c) Standards for mortgage servicing and foreclosure practices, including programs of forbearance and recasting for mortgages in default.