Know your state before you structure the deal.

Alabama has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Alabama, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Alaska has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Alaska, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Arizona has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Arizona, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Arkansas has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Arkansas, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

California has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in California, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Colorado has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Colorado, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Connecticut has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Connecticut, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Delaware has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Delaware, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Florida has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Florida, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Georgia has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Georgia, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Hawaii has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Hawaii, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Idaho has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Idaho, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Illinois has a specific Installment Sales Contract Act covering many residential contracts for deed and similar installment-sale arrangements. Written terms, disclosures, notarized signatures, recording, and other protections can apply.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • For covered residential installment sales contracts, Illinois requires a written contract with statutory disclosures.
• • The executed contract or a memorandum generally must be recorded with the county recorder within the statutory timeframe.
• • Other Illinois disclosure and property-safety laws can also apply, including residential property, lead, and radon requirements depending on the transaction.
• • Use an Illinois real-estate attorney/title professional before finalizing a contract-for-deed or similar transaction.

Indiana has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Indiana, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Iowa has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Iowa, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Kansas has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Kansas, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Kentucky has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Kentucky, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Louisiana has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Louisiana, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Maine has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Maine, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Maryland has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Maryland, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Massachusetts has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Massachusetts, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Michigan has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Michigan, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Minnesota has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Minnesota, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Mississippi has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Mississippi, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Missouri regulates residential mortgage activity, brokering/origination, servicing, deeds of trust, disclosures, and real-estate transactions. Seller financing can be lawful, but the exact structure determines which mortgage, brokerage, servicing, and consumer rules apply.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Missouri law distinguishes bona fide seller financing from regulated residential mortgage brokerage activity.
• • Advertising, arranging, negotiating, brokering, funding, or servicing residential mortgage transactions may trigger state requirements depending on who performs the activity and for compensation.
• • Use a Missouri real-estate attorney/title company and licensed mortgage professional where required before final terms are accepted.

Montana has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Montana, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Nebraska has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Nebraska, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Nevada has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Nevada, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

New Hampshire has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in New Hampshire, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

New Jersey has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in New Jersey, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

New Mexico has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in New Mexico, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

New York has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in New York, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

North Carolina has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in North Carolina, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

North Dakota has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in North Dakota, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Ohio has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Ohio, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Oklahoma has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Oklahoma, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Oregon has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Oregon, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Pennsylvania has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Pennsylvania, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Rhode Island has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Rhode Island, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

South Carolina has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in South Carolina, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

South Dakota has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in South Dakota, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Tennessee has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Tennessee, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Texas has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Texas, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Utah has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Utah, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Vermont has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Vermont, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Virginia has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Virginia, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Washington has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Washington, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

West Virginia has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in West Virginia, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Wisconsin has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Wisconsin, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.

Wyoming has its own real-estate, seller-financing, contract, recording, foreclosure/forfeiture, licensing, disclosure, and consumer-protection rules. AEUC has not yet marked this state as individually verified.

• • Federal mortgage and loan-originator rules can apply even when a state allows seller financing.
• • Seller-financing exemptions are limited and depend on facts such as how many properties are financed, who owns them, repayment structure, and ability-to-repay requirements.
• • AEUC should not negotiate residential mortgage terms for compensation unless the activity is lawful and any required licensing is satisfied.
• • Title, liens, taxes, insurance, disclosures, fair-housing rules, consumer-credit rules, servicing rules, and closing requirements still need transaction-specific review.
• • Before publishing final terms or signing a creative-finance agreement in Wyoming, use a state-qualified real-estate attorney/title professional and any licensed mortgage or real-estate professional required by law.