Pillar guides
Ten guides. Read the one that fits.
These are the deepest pages on the site. Each one answers the questions people actually ask, cites the Utah or federal source, and says what can go wrong.
- 01
A Wholesaler Pitched You a Sub-To. Read This First.
A calm, seller-side checklist for Utah homeowners offered a subject-to deal: the due-on-sale clause, your credit, and what to ask before you sign.For investors · Sep 2026 - 02
Can I Seller-Finance My Utah Home If I Still Have a Mortgage?
Yes, through a wrap or all-inclusive trust deed, but the due-on-sale clause stays with you. The risks, the math, and the safeguards, from a Utah attorney with a flat fee.Selling with a mortgage · Sep 2026 - 03
Contract for Deed in Utah: What the Buyer Gives Up and What the Seller Gets
A Utah attorney's plain-English guide to contracts for deed: forfeiture versus foreclosure, the court cases that limit forfeiture, and how buyers protect themselves.Contracts for deed · Sep 2026 - 04
Dodd-Frank, the SAFE Act, and Utah's 61-2c: When a Utah Seller Needs a License
Plain-English guide for Utah sellers who carry paper: the Reg Z three-property and one-property exclusions, the SAFE Act, Utah 61-2c and 70D, from a Utah attorney.Licensing & Dodd-Frank · Sep 2026 - 05
How to Buy a Utah Home with Seller Financing When the Bank Says No
A buyer-side guide to Utah seller financing: who holds title, the protections to insist on, what happens if you fall behind, and how to plan the refinance.For buyers · Sep 2026 - 06
Note + Trust Deed vs All-Inclusive Trust Deed vs Contract for Deed vs Lease Option in Utah
A Utah attorney's plain-English comparison of the four seller-financing instruments: who holds title, what happens on default, and due-on-sale exposure.Choosing the instrument · Sep 2026 - 07
Seller Financing for Utah Real Estate Agents: The Addendum, the UPL Line, and Your Commission
A Utah agent's guide to seller financing: the state Seller Financing Addendum section by section, the due-on-sale disclosure, where legal drafting starts, and how commission gets paid.For agents · Sep 2026 - 08
Seller Financing in Utah: The Complete Legal Guide (2026)
How seller financing works in Utah: notes and trust deeds, wraps, the state addendum, Dodd-Frank, recording, and default. From a Utah attorney with a flat fee.Seller financing basics · Sep 2026 - 09
Servicing and Taxing a Utah Seller-Financed Note
Who collects the payments, keeps the ledger, and pays the property taxes on a Utah seller-carry note, plus the installment method, AFRs, and selling the note later.Servicing & taxes · Sep 2026 - 10
When a Seller-Financed Buyer Stops Paying in Utah: The Trust-Deed Timeline Step by Step
What a Utah seller does when the buyer stops paying: the pre-default letter, notice of default, reinstatement, trustee's sale, and deficiency, from a Utah attorney.Default & foreclosure · Sep 2026