RESPA's Affiliated Business Arrangement rules apply directly to seller-financed private mortgage notes. Learn the three compliance requirements - written disclosure, free consumer choice, and bona fide service payments - and how AfBA violations put note enforceability at risk.

TILA's Right of Rescission gives borrowers three business days to cancel mortgage transactions secured by their primary residence. Private lenders who mishandle disclosures face an extended rescission window of up to three years. Learn when it applies, how the notice requirement works, and what practices eliminate rescission risk.

Integrated loan servicing gives private mortgage lenders a scalable operational foundation - automating payment processing, escrow administration, compliance reporting, and borrower communication on a single platform managed by specialists.

Private lenders that run on spreadsheets, paper documents, and separate accounting tools lose time to re-entry, errors, and manual handoffs. An integrated servicing platform puts documents, payments, escrow, reporting, and compliance tracking in one system. What you need depends on your loan products, your volume, and the rules that apply to your loans.

Seller financiers who extend credit secured by a dwelling are subject to TILA and RESPA just like institutional lenders. Non-compliance triggers rescission rights, statutory damages, and CFPB enforcement. This guide explains exactly when federal law applies to seller-financed private mortgage notes and how professional servicing eliminates the exposure.