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One question. One straight answer.
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 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 - 22
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 - 23
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 - 24
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