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What a Weakened CFPB Actually Means for PrivateLenders
Hint: It’s not the regulatory holiday you’re hoping for. The CFPB Is Weakened. So What? Most private lenders think the CFPB’s troubles are someone else’s problem. After all, we make business-purpose loans. We don’t deal with consumers. The CFPB regulates consumer finance, and we’re not in consumer finance. That logic...
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As a private lender, it’s easy to feel a sense of comfort once your loan is secured by real property. After all, if the borrower ...
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Private lenders are increasingly recognizing that the availability and affordability of property insurance are critical factors in underwriting real estate loans. Difficulties in securing insurance—whether ...
- Blog
In today’s private lending environment, raising capital through mortgage funds, pooled investment vehicles, or note offerings is more common than ever. But whether you’re structuring ...
- Blog
While private lenders primarily operate in real estate and business finance, many also raise capital from investors to fund their lending operations. The moment you ...
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When a borrower falls behind on mortgage payments, foreclosure proceedings may begin. If a debtor files bankruptcy while the foreclosure process is underway, the automatic ...
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In private lending, the strength of your deal is only as good as the documents backing it. Whether you’re originating a bridge loan, funding a ...
- Blog
In a groundbreaking ruling in the cases of Loper Bright Enterprises v. Raimondo and Relentless, Inc. v. Department of Commerce, the U.S. Supreme Court curtailed the ...
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Business purpose loans are nontraditional mortgage loans where a borrower uses loan proceeds for a non-consumer purpose. A non-consumer purpose means any loan in which ...
- Blog
We all know construction projects don’t always go as planned. But if you think that lending institutions and brokers aren’t liable when such projects go ...
- Blog
New Disclosure And Notification Mandates For Residential Lenders Legislative Overview On September 20, 2024, California enacted AB 2424 (Mortgages, Foreclosure), establishing new foreclosure notice and ...
- Blog
For years, private capital markets have favored Rule 506(b) over 506(c) due to one key factor: ease. While 506(c) allowed for general solicitation, it also ...
- Blog
The Private Lender’s Ultimate Guide to Usury in California: How to Navigate Usury is one of those legal landmines that most private lenders don’t think ...