Program Details
2026-10-30 12:00:00
Over 1,000+ webinars
Course Overview
2026-10-30 12:00:00
2h CLE Credits
Intermediate
2
12:00 pm - 1:00 pm ESTThis session covers the two-tier seller-financing exemption structure under 12 CFR § 1026.36 the oneproperty and three-property paths and the structuring decisions, documentation requirements, and common drafting errors that determine whether a transaction qualifies. Attorneys gain working knowledge of how the SAFE Act licensing exemption differs from the Reg Z loan originator exemption, how the CFPB’s August 2024 contract-for-deed advisory opinion affects existing deal structures, and how reduced federal enforcement affects but does not eliminate client exposure under TILA’s private right of action. The session addresses the practical compliance demands facing attorneys who represent sellers, investors, or buyers in owner-financed residential transactions under current post-2014 rules.
Rick Guerra 1:10 pm - 2:10 pm ESTThis session examines the legal mechanics, risk profile, and documentation requirements of subject-to and wraparound mortgage transactions, with particular focus on due-on-sale clause exposure under the Garn-St. Germain Act and state-level regulatory frameworks. Attorneys will learn how to counsel clients on acceleration risk, structure compliant wrap arrangements, and build enforceable exit pathways into every deal at origination. Attendees leave with a working knowledge of the disclosure obligations, insurance hazards, licensing thresholds, and common documentation failures that define this practice area.
Rick GuerraRick Guerra represents real estate brokers, agents, mortgage brokers, investors, and homeowners in matters ranging from owner-financing transactions to million-dollar property disputes and litigation. Over the past decade, he has handled everything from complex real estate litigation to property transfers, prevailing twice before the Texas First Court of Appeals on behalf of homeowners in wrongful foreclosure and fraudulent robo-signing cases. He is the Managing Attorney of Guerra Days Law Group and Of Counsel to the Giron Kirby Law Group in Houston.
Rick Guerra represents real estate brokers, agents, mortgage brokers, investors, and homeowners in matters ranging from owner-financing transactions to million-dollar property disputes and litigation. Over the past decade, he has handled everything from complex real estate litigation to property transfers, prevailing twice before the Texas First Court of Appeals on behalf of homeowners in wrongful foreclosure and fraudulent robo-signing cases. He is the Managing Attorney of Guerra Days Law Group and Of Counsel to the Giron Kirby Law Group in Houston.
Requirements
The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.
Formats
