State Property Laws: State-specific regulations governing real property transactions, transfers, and recording requirements that vary by jurisdiction
State Recording Requirements: Specific requirements for document recording, format, and filing procedures mandated by each state's recording offices
State Deed of Trust Regulations: State-specific rules governing the creation, enforcement, and assignment of deeds of trust
Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders, mortgage brokers, and servicers to provide disclosures regarding real estate settlement costs and prohibiting certain practices
UCC Article 9: Uniform Commercial Code provisions governing secured transactions, including the creation and transfer of security interests in property
Statute of Frauds: Legal requirement that certain contracts, including those involving real property, must be in writing and signed to be enforceable
Notarization Requirements: State-specific requirements for document notarization, including proper acknowledgment and witnessing of signatures
Due-on-Sale Clause Implications: Provisions in the original deed of trust that may accelerate the loan upon transfer or assignment of beneficial interest
Transfer Tax Requirements: State and local tax obligations triggered by the transfer or assignment of beneficial interests in real property
Income Tax Implications: Federal and state tax consequences resulting from the assignment of beneficial interest under a deed of trust
Consumer Protection Laws: Federal and state regulations designed to protect consumers in real estate transactions, particularly for residential properties
Fair Lending Laws: Federal regulations ensuring equal access to credit and preventing discrimination in lending practices
