Terms Deal Academy
Rates | October 11, 2026
Rates peaked above 7.5% in 2023. Here is what that left behind.
Millions of owners are sitting on loans they could not get today, and that changes who sells and how.
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Short market and law notes for people who buy houses on terms: mortgage rates, due-on-sale rules, seller financing, land contracts and wholesaling.
6 posts. Want to learn how it works? Open a free account.
Terms Deal Academy
Market | October 11, 2026
4.1 million: existing-home sales in 2023 were the lowest in 28 years
Fewer sales means fewer ways out for owners who need to move.
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Federal law | October 11, 2026
A 1982 law still decides what lenders can do when title moves
The Garn-St Germain Act lets lenders enforce due-on-sale clauses, with a short list of exceptions.
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Federal law | October 11, 2026
3 properties in 12 months: where seller financing starts to look like lending
Federal loan originator rules have narrow exclusions for people who finance their own home sales.
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State law | October 11, 2026
4 states that regulate land contracts and lease options, and what they require
Texas, Ohio, Minnesota and Illinois each treat installment contracts differently. A short tour.
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State law | October 11, 2026
Wholesaling rules are changing. Five checks before you assign a contract.
A growing number of states now treat wholesaling as something between investing and brokerage.
Read the postSee how it works
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