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Shorter pieces on specific Utah seller-financing questions, added regularly. Each belongs to a topic hub and links to the guide that goes deeper. Subscribe by RSS.
Informational onlyThis page is general information about Utah law, not legal advice for your situation. Reading it doesn't create an attorney-client relationship. Read the disclaimer.
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Balloon Payments in Utah Seller Financing: What Dodd-Frank Allows
When a Utah seller can put a balloon in a seller-financed note under the Dodd-Frank one-property and three-property exclusions, with worked 5- and 7-year numbers.Licensing & Dodd-Frank · Sep 2026 - 02
Can a Utah Real Estate Agent Draft the Promissory Note and Trust Deed?
Where the line usually falls for Utah agents on a seller-financed deal: what the agent fills out, what a Utah attorney drafts, and what the title company handles.For agents · Sep 2026 - 03
What Happens If My Lender Calls the Due-on-Sale Clause After I Seller-Finance?
A step-by-step look at a called due-on-sale clause on a Utah wrap: the letter, the payoff demand, your four options, and what to set up before it happens.Selling with a mortgage · Sep 2026 - 04
How to Fill Out the Utah Seller Financing Addendum
A section-by-section walk-through of Utah's state-approved Seller Financing Addendum for agents, with the due-on-sale disclosure and what the form leaves to the attorney.For agents · Sep 2026 - 05
Who Pays Property Taxes and Insurance Under Utah Seller Financing?
Who pays Utah property taxes and homeowner's insurance on a seller-financed sale, how escrow through a servicer works, and how a note and trust deed compares to a contract for deed.Servicing & taxes · Sep 2026 - 06
How to Refinance Out of Seller Financing in Utah
A step-by-step plan for a Utah buyer to refinance a seller-financed note into a bank loan: payment history, equity, payoff, and a recorded release.For buyers · Sep 2026 - 07
How Much Down Payment Should a Utah Seller Require?
How a Utah seller can size the down payment on a seller-financed sale from foreclosure time, costs, and the equity cushion, with a worked $400,000 example.Seller financing basics · Sep 2026 - 08
What Interest Rate Can I Charge on Seller Financing in Utah?
Utah has no usury cap on an agreed written rate, but the IRS sets a floor. Here is how the rate, payment, late fees, and Dodd-Frank rules fit together.Seller financing basics · Sep 2026 - 09
Subject-To vs Wraparound Mortgage in Utah: Which Is Easier to Refinance?
Subject-to and wraparound deals both leave the seller's loan in place and both carry due-on-sale risk. Here is how title, payments, security, and the refinance exit compare in Utah.For investors · Sep 2026 - 10
Third-Party Note Servicing for Utah Seller-Financed Sales
What a note servicer does on a Utah seller-financed sale, the DFI rules that touch servicing and escrow agents, and why buyer-to-seller app payments tend to go wrong.Servicing & taxes · Sep 2026