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Owner financing is an arrangement in which an owner or seller, rather than a bank or mortgage lender, extends financing to a buyer. This can be a viable option for buyers who don’t qualify for a ...
The Texas Office of Consumer Credit Commissioner (“OCCC”) is a Texas state agency that regulates non-depository lenders in the state of Texas, [1] which includes, among others, mortgage loan originators, vehicle sales finance companies, debt settlement providers, pawnshops and credit access businesses.
Seller financing contracts are subject to fewer consumer protections than mortgage loans in most states. While seller financing can provide a unique way for people with low credit scores to obtain a path to home ownership, they are considered predatory by groups such as the Center for American Progress. In addition, some investment firms have ...
2. Evaluate your investments and take your RMDs. Early 2025 is an ideal time to review your investment strategy to make sure your portfolio is still on the right track to meet your goals.
Whether you are selling your Texas home or buying a new one, signing that contract is a big milestone in your real estate journey. But before you celebrate, be sure you understand the transaction ...
Truth in Lending Act; Long title: An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for ...
The Constitution of Texas is the foremost source of state law. Legislation is enacted by the Texas Legislature, published in the General and Special Laws, and codified in the Texas Statutes. State agencies publish regulations (sometimes called administrative law) in the Texas Register, which are in turn codified in the Texas Administrative Code.
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