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Canadian Capital Is Looking South: What It Means for Private Lenders

Over the past year, I have had more conversations than ever with Canadian private lenders asking a deceptively simple question: should we be looking at the United States? Five years ago, that question was relatively uncommon. Today, it comes up constantly—and for good reason....

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Is your marketing causing compliance issues - Geraci LLP

You already know the mortgage business is one of the most competitive industries in America. With more than 688,000 active mortgage loan originator licenses nationwide, ...

California's Central Valley at harvest

California’s recreational cannabis industry operates under an evolving regulatory framework that substantially impacts how lenders, investors, and commercial property owners structure their relationships with commercial ...

Licensing requirements for private lenders - Geraci LLP

Private lending offers significant opportunities for investors to finance real estate projects, small businesses, and other ventures outside traditional banking channels. However, private lenders must ...

A deficiency judgment writ beside a debtor's asset schedule bank account, real property

Foreclosure is a recovery mechanism, not a guaranteed cure. When the trustee’s sale closes for less than the loan balance, when the lender becomes a ...

Licensing and regulatory compliance for private lenders - Geraci LLP

As private lending grows in popularity, so does regulatory scrutiny. Whether you’re a solo hard money lender or managing a multi-state mortgage fund, understanding licensing ...

Real estate property - Geraci LLP

When putting together a mortgage fund, it is an understatement to say there are many things to consider: regulations, exemptions, accounting, supervision, and more.  Mortgage ...

Cinematic wide-angle view of a distressed commercial property

Bankruptcy filings by distressed borrowers create immediate uncertainty for secured lenders holding real estate loans, equipment financing, or other collateralized debt. While bankruptcy law provides ...

Lending to foreign nationals - Geraci LLP

Legal Eligibility Foreign nationals have the right to buy real estate in the U.S., and private lenders can lend to them, provided they comply with ...

A California real estate brokerage file room rows of labeled archive boxes stretching to the

Proper recordkeeping is one of the most overlooked yet critically important compliance obligations facing California real estate professionals. While the day-to-day demands of closing transactions ...

Key areas where state laws differ for private lenders - Geraci LLP

Private lenders must carefully review the laws of each state they lend in. Licensing, interest limits, disclosures, and foreclosure laws can differ significantly. Non-compliance can ...

Aerial editorial photograph of a half-built residential subdivision in California's inland valleys

California Senate Bill 978 fundamentally changed construction lending compliance for broker-arranged loans when it became law in September 2012. More than a decade later, many ...

A loan modification agreement spread on a desk changed rate terms highlighted in blue

Mortgage loan modifications remain one of the most effective tools private lenders have for managing distressed loans without resorting to foreclosure. When a borrower can ...