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Seller Financing

Seller Financing can raise liability under federal statutes and regulations governing Residential Mortgage Loan Origination. Complying with the labyrinth of federal mortgage loan origination regulations can pose challenges to any lender, even a large bank with significant resources and a compliance department. Despite exceptions for small lenders and parties offering seller financing, any lender, even one that finances only a single seller-financed transaction , can trigger liability. Federal statutes that raise concerns for parties offering seller financing, including: •The Truth in Lending Act (15 U.S.C. § 1601 et seq.) •The Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) –and– •Sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act addressing unfair, deceptive, or abusive acts or practices (12 U.S.C. § 5531)

Estate Plan for Individual with Spouse or Partner

Estate Plan for Individual with Spouse or Partner using Lexis Nexis Resource Kit (CA) for $1000 Using this resource kit we will provides templates / guidance on creating an estate plan [Wills; Trusts; Disability Planning; Powers of Attorney] for an individual with a spouse or partner residing in California.  An estate plan is defined as an arrangement providing for the use, management, investment, conservation, and transfer of an individual's property during their lifetime or after death.  The documents utilized by counsel [ or pro se] in creating an estate plan will vary depending on the clients' circumstances, family needs, estate size, and wishes, among other things.  For example, there may be reasons for the client to create a trust for the benefit of their beneficiaries rather than gift assets outright to them, or vice versa.  In addition to wills and trusts, there may be a need for advance health care directives, powers of attorney, or various other estate pla...

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