Federal and state lending compliance for private mortgage lenders—covering TILA, RESPA, ECOA, the SAFE Act, state usury laws, licensing requirements, and the Ability-to-Repay rule with actionable guidance for building a compliant operation.
A systematic 7-step due diligence framework for private mortgage note investors covering borrower verification, loan documents, property valuation, title, insurance, escrow, and servicing transfer audit - before the first payment lands.
Private lenders must comply with federal laws including TILA, RESPA, Dodd-Frank, ECOA, and the SAFE Act, plus state usury laws and licensing requirements. This guide breaks down each regulation's impact on origination, disclosure, and servicing - and what non-compliance actually costs you.
These 7 due diligence steps - from document collection through final compliance review - give private mortgage note investors a verified, boardable loan file that services cleanly and satisfies regulatory requirements from day one.
A plain-language breakdown of the federal and state compliance frameworks private mortgage lenders must know - from TILA and RESPA to the SAFE Act, state usury laws, and foreclosure procedures.
Seven due diligence checkpoints every private mortgage note investor and servicer should complete before boarding a performing note - covering document verification, payment history, title confirmation, collateral review, transfer protocols, regulatory compliance, and system setup.
A reference guide to the core federal and state regulations governing private mortgage lending and servicing — TILA, RESPA, ECOA, SAFE Act, Dodd-Frank, ATR, QM, HMDA, FCRA, GLBA, HOEPA, usury laws, and SCRA — with practical compliance implications for each.
A 7-step framework for performing mortgage note due diligence - covering document digitization, payment history validation, legal enforceability review, title and insurance checks, property valuation, compliance history, and servicing transfer preparation for private mortgage note investors and servicers.
Seven factors determine whether a performing private mortgage note will deliver its projected yield - and whether it holds value in a secondary sale. Private lenders who assess each before acquisition gain a clearer picture of risk, compliance exposure, and long-term return.
If you hold or service private mortgage notes, your legal exposure tracks directly with whether documented procedures govern every borrower interaction, payment posting, and disclosure. When well-maintained SOPs are in place, regulatory inquiries and borrower disputes are far more defensible. Without them, even an unintentional servicing error can escalate into a costly lawsuit.
