Guides for Texas private lenders
IN-DEPTH GUIDES
Long-form reference, Texas-specific
Each guide goes deep on one topic and cites the statutes, agencies, and timelines that actually govern note servicing in Texas. Bookmark what you need.
Contract for Deed in Texas: How It Works
What a contract for deed is, who pays the property tax, and how Texas regulates it: the seller keeps title until the buyer pays in full, under Property Code §5.061.
Deed of Trust vs Mortgage: The Difference
Deed of trust vs mortgage: the parties, the foreclosure path, and why Texas uses deeds of trust and non-judicial foreclosure under §51.002.
Land Contract: What It Is and How It Works
What a land contract is and how it works: the seller keeps legal title until the buyer pays in full. It is the same instrument as a contract for deed.
Owner Financing Tax Implications: A Texas Seller Guide
Owner financing tax implications for sellers: how the installment method spreads gain, what the buyer's interest means at tax time, and Form 1098 vs 1099.
Owner Financing in Texas: How It Works
How owner financing works in Texas: what the contract includes, how it works on land, who drafts it through a licensed RMLO, and who services the note after closing.
Rent-to-Own vs Seller Financing: How Each Works
Rent-to-own vs seller financing: in rent-to-own you are a tenant with an option to buy; in seller financing you are the owner-borrower from day one.
Seller Financing 101: How Sellers Finance a Home Sale
What seller financing is, why sellers carry the note, the common structures, and who originates and services the loan after closing.
Subject-To Real Estate Explained
What subject-to real estate means, how it differs from a loan assumption and a wrap, and the due-on-sale risk under the Garn-St. Germain Act.
Wraparound Mortgage: How It Works (with Example)
What a wraparound mortgage is and how it works, with a worked numeric example, plus how Texas regulates wraps under SB 43 and Finance Code Chapter 159.
Dodd-Frank for Texas Private Lenders: The Complete Guide
How the Dodd-Frank Act and Regulation Z shape Texas private mortgage lending: ability-to-repay, qualified mortgage, the three-property exemption, T-SAFE / RMLO licensing, and the CFPB enforcement landscape for small servicers.
Owner Finance Mortgage Servicing: The Texas Complete Guide
The complete guide to servicing owner-financed Texas mortgage notes: deed of trust vs contract for deed, Tex. Property Code §5.061 executory contract rules, escrow mechanics, default handling, and how the numbers actually pencil.
Texas Foreclosure for Private Lenders: The Complete Guide
The complete cornerstone guide to Texas non-judicial foreclosure for private mortgage lenders: §51.002 timeline, notices, homestead, post-sale wind-down, and the 2024–2026 SML rule changes.
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