a year ago
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Posted On: October 5th 2025, 06:23 pm
🚨 2025 RMLO & Dodd-Frank Updates Are Coming! 🚨
Here’s what you need to know as a note investor or seller-financier 👇
📍 Texas (Effective Sept 30, 2025):
Lenders must add detailed mortgage transaction logs and notify regulators of “reportable incidents” like data breaches or funding terminations.
📍 Colorado (Effective Sept 30, 2025):
The Tangible Net Benefit Disclosure rule is repealed — meaning fewer compliance hurdles for mortgage loan originators.
📍 Dodd-Frank Update:
Seller financing still requires a borrower’s ability-to-repay verification — based on verified income, assets, employment, monthly payments, and DTI ratios through reliable third-party records.
💡 What this means for Note Investors:
• Expect higher documentation standards ✅
• Improved note quality & enforceability 🏦
• Fewer defaults due to stronger underwriting 💪
🔥 Pro Tip: Partner with a licensed RMLO for compliant deals — usually under $1,000 and worth every penny to protect your note!
#MortgageNotes #NoteInvesting #RMLO #DoddFrank #SellerFinancing #PassiveIncome #realestateinvestingeducation #mailboxmoney
Here’s what you need to know as a note investor or seller-financier 👇
📍 Texas (Effective Sept 30, 2025):
Lenders must add detailed mortgage transaction logs and notify regulators of “reportable incidents” like data breaches or funding terminations.
📍 Colorado (Effective Sept 30, 2025):
The Tangible Net Benefit Disclosure rule is repealed — meaning fewer compliance hurdles for mortgage loan originators.
📍 Dodd-Frank Update:
Seller financing still requires a borrower’s ability-to-repay verification — based on verified income, assets, employment, monthly payments, and DTI ratios through reliable third-party records.
💡 What this means for Note Investors:
• Expect higher documentation standards ✅
• Improved note quality & enforceability 🏦
• Fewer defaults due to stronger underwriting 💪
🔥 Pro Tip: Partner with a licensed RMLO for compliant deals — usually under $1,000 and worth every penny to protect your note!
#MortgageNotes #NoteInvesting #RMLO #DoddFrank #SellerFinancing #PassiveIncome #realestateinvestingeducation #mailboxmoney
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