Скачать или смотреть SAFE Act & Dodd‑Frank for Seller Financing: RMLO, RESPA & ATR Explained

If you sell houses with owner financing, compliance isn’t optional. In this quick guide, Scott breaks down how the SAFE Act and Dodd‑Frank impact creative deals with owner‑occupant buyers—when you must use an RMLO, why RESPA disclosures matter, and how ATR (Ability‑to‑Repay) affects your terms. Do this right and you’ll protect yourself and make your notes more marketable in the secondary market.

What you’ll learn
When the SAFE Act applies (and when it doesn’t)
The role of an RMLO and required RESPA docs
ATR/Dodd‑Frank essentials (and why income matters more than credit)
Texas’s “three‑property de minimis” nuance—and why you should process everyone anyway

Compliance tips that help you sell notes for more

This video is for education only and not legal advice. Consult a qualified real estate attorney in your state.

Chapters
00:00 Intro: Why compliance matters
00:16 SAFE Act vs. Dodd‑Frank (big picture)
00:24 What this video covers
00:38 Owner‑occupant focus: when rules kick in
01:12 Two pillars: attorney + RMLO/RESPA
01:37 Most investors miss RESPA—how to fix it
01:57 ATR (Ability‑to‑Repay) under Dodd‑Frank
02:23 Texas “3‑deal” de minimis rule
02:39 Why we still process every buyer
03:04 What RMLO packaging gives you
03:35 APR & other Dodd‑Frank checks
03:59 If a seller asks you to process
04:19 Note sales: why compliance boosts price
04:46 Best practices & takeaways
05:05 Wrap‑up & next steps

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.

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1. The Subject To Academy
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2. Everything You Need to Know About Liens
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5. Owner Financing for Realtors
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