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Utah and Idaho: The Two States That Catch Every Private Lender Off Guard
A Practical Compliance Guide for Business Purpose Lenders Entering the Mountain West A private lender we recently advised had been making business purpose bridge loans on single family investment properties in both Utah and Idaho for the better part of two years without a license in either state. The client...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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Closing a real estate loan is a choreography. The title underwriter issues the policy, but the actual closing — the document execution, the funds disbursement, ...
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As we reach mid-2025, significant changes to the U.S. anti-money laundering (AML) regulatory landscape are taking effect—impacting private lenders, financial institutions, and compliance officers nationwide. ...
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Real estate brokers operating in California face complex regulatory requirements administered by the California Department of Real Estate (DRE). Understanding and maintaining compliance with DRE ...
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The cannabis industry has experienced unprecedented transformation over the past several years, creating both opportunities and complexities for private lenders. As of 2025, the legal ...
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By now, most of our clients obtain personal guaranties on all their loans. However, almost as if it is an afterthought, they don’t know what ...