List of US states that use trust deeds, list of states that use both deeds of trust and mortgages and a list of states that use mortgages.

Trust Deed States

North Carolina
Washington DC

States that use Both Deeds of Trust and Mortgages

West Virginia

* Georgia uses a security deed
** Custom dictates which document is used

Mortgage States

North Dakota
Rhode Island
New Hampshire
South Carolina
New Jersey
New Mexico
New York

Trust Deeds Feeds

Add our feeds to your news reader
Mortgage Research
Written by Administrator   
Saturday, 28 February 2015

Mortgage Research You hear people griping about the cost of consumer products these days. The socialist-student-worker-miser believes capitalism is inherently wicked. Someone is out to screw him. The truth is ‘yes’, someone is out to screw you, and will, but only if you let them. They’re not obliged to get you the best deal, and you’re not obliged to take the first deal they offer. Don’t let your greed for a mortgage override your good sense. If a deal seems too good to be true, it probably is. Start with banks and well known credit unions. When you begin to research, it’s best to start with your current bank, or with large credit unions. These have solid reputations. You may not get the best rate with a large bank, but the security can be worth it. If you’re in the UK, see if the company is a member of the Finance Industry Standards Association (FISA) and registered under the Data Protection Act (DPA). A mortgage is an agreement between a borrower and a lender. Determine first what type you’re looking for: fixed rate, variable rate, capped, buy-to-let, bad credit, self-certification, and proceed from there. This will cut down your research time. There’s no need to apply all over the shop. Try for one from a high street bank, a high street building society, a credit union, an independent loan company and an internet-based one. The trick is to weed out the high interest rates and fees at one end, and the cubicle farm operations at the other. The latter won’t give two straws if you get into financial difficulties. If your application to a good ‘un gets rejected, shrug it off and move onto the next best option. Ensure that you think about your budget. No matter how cheap your deal may be, pay it off as quickly as you can to avoid interest piling up. However, it’s important not to overstretch yourself. Save a portion of your regular monthly income as cover for emergencies and unexpected bills. In order to give you their best mortgage quote, the intermediary you apply to will need at least your: – Name; – Address (with post code); – Time at that address; – Amount you want to borrow; – Employment (how long in your current job); – If you have a bank account (and how long you’ve had it). You may have to get used to the idea of getting cold calls from other lenders for weeks or months afterwards. Try to halt this by telling the initial broker “Please do not sell or pass my personal data on to other companies. Thank you.” Independent mortgage information is hard to come by. Everyone is looking to make a few quid, especially when it comes to financial products. It’s a big business; lots of money to be made from needy people. Many sites which seem to be independent are tied in with established lenders. They can’t give unbiased information. If it’s a financial product, chances are most sites that come up in a search engines’ first and second pages are tied to one of the larger large lending companies.
Business planning and starting for noobies
Written by Administrator   
Saturday, 06 September 2014
Business planning and starting for noobies

The internet is widening each day. More and more ways of earning money is becoming available. This gives us the opportunity to plan and succeed. There are ways that some find easy and some find hard. Usually the harder the better but not in all cases. Sometimes it just takes effort and motivation. 

Five Important Benefits Of Owning Credt Cards
Written by Administrator   
Tuesday, 19 August 2014
In a bid to obtain new customers, credit card companies regularly offer very tempting deals. Many major credit card providers include “zero percent on purchase” clause in their deals. It means, consumers could get zero-interest loan on a new purchase for specific period of time. When used properly, credit cards are a good method to get interest-free loan with absolutely no additional fees.
Signing Loan docs
Written by Administrator   
Tuesday, 19 August 2014
Signing loan documents can be intimidating even for the most seasoned real estate professional. But things are even worse today because most Title Companies offer their clients the convenience of having a mobile notary bring the loan documents to their homes to get signed. That means the Escrow Officer is nowhere to be seen and most notaries don’t know enough to properly answer peoples’ questions. Without any way of getting clear answers, the signing process has become even more frightening than before.
Trusts and probates
Written by Administrator   
Tuesday, 19 August 2014
ImageFormulating the way your assets are distributed to your relations is something that you really are advised to do while you’re living and healthy; not something to only start thinking about when you are about to kick the bucket. One of the things you can do is formulate your estate planning, or the way your wealth is distributed to your loved ones - via trusts.

With the economic crisis affecting almost every corner of the globe, the increased uncertainty and risk of litigation in a challenging economic climate should be compelling enough for the financially healthy person to make use of existing asset protection strategies under his/her State’s law by appointing existing professional trustee companies that are licensed, audited, and regulated for this purpose.
Nevada takes a positive step in regulating trust companies
Written by CR Melon   
Sunday, 12 April 2009

ImageThe Nevada state Senate has taken a positive step in the right direction by passing a bill requiring new trust companies to have a minimum capital of $1 million by 2012. At the same time, the bill also allows existing trust companies the grace proviso to raise their minimum capital to at least $500,000 by 2012. Trust companies in Nevada are widely relied on to handle anything from trust deeds, commodity investments, to family trusts.

Currently, trust companies in Nevada have only to maintain a capital of $300,000 in order to operate, and this was viewed as inadequate, according to George Burns, commissioner of the Financial Institutions Division. Burns’ proposal was passed almost unanimously with a 6-0 vote with one member absent.

White Paper Offered to Help Choose Trust Deed Firms
Written by CR Melon   
Tuesday, 24 February 2009

Trust deed investmentsWhite Paper Offered for Financial Professionals; "Nine Things" Aims to Help CPAs, Planners Choose Trust Deed Firms Wisely

A leading trust deed investment firm has prepared a new white paper to help financial professionals evaluate trust deed investment providers on behalf of their investor clients. "Nine Things to Consider When Evaluating Trust Deed Investment Resources" provides a list of factors to consider when matching a trust deed investment provider or deal with a specific client or investor group.

Sacramento, CA (PRWEB) February 24, 2009 -- Sterling Pacific Lending, Inc dba Sterling Pacific Financial, a leading trust deed investment firm, has prepared a new guide for financial professionals to help them evaluate trust deed investment providers on behalf of their investor clients.

Offered at no charge to CPAs, financial planners, investment advisors and other financial professionals, "Nine Things to Consider When Evaluating Trust Deed Investment Resources" (see link at the end of this release) provides a list of factors to consider when matching a trust deed investment provider or deal with a specific client.

"With over a decade of success in this category, we're of course ardent advocates of trust deed investments as an alternative option to public securities -- especially in the current economy," said Joshua Fischer, managing director and principal of Sterling. "However, we also know there is significant variety among trust deed investment choices and providers. Helping advisers understand the differences is one way we can help trust deed investors meet their goals."

One recommendation is to understand the risk profile of a trust deed investment provider's approach and match it to the risk preferences of the investor or group of investors -- because even though trust deed investments as a group are relatively low risk, there are gradations that advisers and investors should consider.

For instance, offerings restricted to first deeds of trust and the lowest loan-to-value (LTV) ratios keep risk to an absolute minimum. "Even the most conservative trust deed investments can generate stable income and stay well ahead of inflation, with yields of 9% or more," said Fischer. "It's a reassuring solution for rebuilding portfolios without putting principal at unnecessary risk."

Moreover, further diversification can be achieved by working with trust deed investment companies that offer mortgage pools. "A mortgage pool combines the collective investment advantages of a mutual fund with the inherent stability of trust deed investing," said Fischer, adding that "mortgage pools are especially attractive for retirement investors looking for growth, income and principal preservation." Advisers can look for these kinds of products when evaluating trust deed investing options for their most risk-sensitive clients. On the other end of the spectrum, investors willing to fund riskier developments or take on second position deeds can be rewarded with higher potential returns -- as high as 15% or more currently.

Are Trust Deed Investments Replacing the Stock Market?
Written by Trust Deeds   
Saturday, 21 February 2009

stocks-then-deeds-nowA press release on claims investors seem to be capitalizing on the credit crunch and tightened credit standards by using trust deeds as an alternate form of financing debt. From the article:

A Seattle based real estate investment firm announced today that it has been receiving numerous inquires from real estate investors recently for trust deed investments. Trust deed are typically in the form of hard money and used by corporations and developers to securely finance real estate projects. Investors seem to be capitalizing on the credit crunch and tightened credit standards of most banks by trying to fill in the liquidity gap. The credit crunch has not alleviated the need for capital to complete necessary projects and corporations are actively seeking out alternative sources of financing for their projects.

With the stock market producing negative returns, trust deeds can make sense for investors looking for security and a fixed rate of return. Hard money investments are typically short-term in nature and are placed at a very low loan-to-value ratio (typically a maximum 65% LTV) providing for security even in a declining real estate market. Interest rates can be in the neighborhood of 12%.

Trust deed investments are an alternative source of financing during the credit crunch, said Joel Barth, a real estate broker and officer in Seattle. The loans are popular among borrowers because they represent short-term loans, which can close much more quickly than traditional forms of financing. Time is often of the essence in closing on a lucrative real estate investment opportunity. For investors, trust deeds are popular because their investment does not fluctuate like the stock market and in the event of default they can usually recoup the majority of their investment by selling the underlying property.

<< Start < Prev 1 2 Next > End >>

Results 1 - 14 of 16