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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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How to Negotiate Seller Financing Terms as a Buyer
How a Utah buyer can negotiate rate, down payment, term, balloon, and prepayment on a seller-financed home, with a worked $350,000 example.For buyers · Nov 2026 - 02
Is Seller Financing Too Risky for Me as the Seller?
A risk-first look at carrying the note on a Utah home sale: what can go wrong, how long getting the house back takes, and who tends to be a good fit.Seller financing basics · Nov 2026 - 03
Loan Assumption vs Subject-To in Utah
A formal assumption runs through the lender; a subject-to deal does not. Here is how approval, liability, title, and due-on-sale risk compare in Utah.For investors · Nov 2026 - 04
Seller Financing Addendum vs the REPC Financing Deadline
How the Utah Seller Financing Addendum's 10-day rule and buyer-information timing fit with the REPC's due diligence, financing, and settlement deadlines.For agents · Nov 2026 - 05
Closing Costs in a Utah Seller-Financed Sale: Who Pays What
A buyer's list of closing costs on a Utah seller-financed purchase: what disappears, what remains, recording fees, title insurance, and who typically pays.For buyers · Nov 2026 - 06
Attorney vs Title Company for Utah Seller Financing: Who Does What?
How the attorney and the title company split the work in a Utah seller-financed sale: drafting, closing, recording, title insurance, and trustee duties.Seller financing basics · Oct 2026 - 07
How to Handle Hazard Insurance When the Loan Stays in the Seller's Name
On a Utah sub-to or wrap, the insurance has to match the new owner and keep the seller's lender protected. Here is how investors typically set it up.For investors · Oct 2026 - 08
The Agent's Written Due-on-Sale Disclosure: What Utah Rule R162-2f-401a Requires
What a Utah licensee's written due-on-sale disclosure must say, when to deliver it on a wrap or sub-to deal, and how to document it in the file.For agents · Oct 2026 - 09
What Happens If the Seller Stops Paying the Underlying Mortgage on My Wrap?
If your wrap seller stops paying their own loan, the lender can foreclose on your home. Here is how a Utah buyer gets notice, cures, and sets up protection.Selling with a mortgage · Oct 2026 - 10
How to Vet a Buyer Before You Carry the Note
How a Utah seller screens a buyer before carrying the note: the ability-to-repay check, the state Buyer Financial Information Sheet, documents, and red flags.Seller financing basics · Oct 2026 - 11
Are Subject-To and Wrap Deals Legal in Utah?
Whether subject-to and wraparound deals are lawful in Utah, what the due-on-sale clause still changes, and which licensing and disclosure rules apply.For investors · Oct 2026 - 12
Due-Diligence and Closing Checklist for a Utah Seller-Financed Deal
One checklist for Utah agents from signed REPC to recorded trust deed on a seller-financed sale: title, underlying loan, disclosures, recording, and servicing.For agents · Oct 2026 - 13
Who Holds Title in a Utah Seller-Financed Sale?
Who owns the home in a Utah seller-financed sale: how title works under a note and trust deed versus a contract for deed, and why the buyer should record.For buyers · Oct 2026 - 14
What the Utah Seller Financing Addendum Does Not Do
The Utah Seller Financing Addendum sets deal terms, but it is not a note or trust deed. A Utah attorney explains what it leaves undone and which documents you still need.Choosing the instrument · Oct 2026 - 15
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 - 16
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 - 17
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 - 18
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 - 19
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 - 20
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