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Amerinote Xchange Blog: Market Trends

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When you buy or sell a home, a crucial piece of paper makes it official: the property deed. It’s more than a formality — it’s the legal document that transfers property ownership and defines who truly holds title to the property. Yet not all deeds are the same. Understanding the types of property deeds can…

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Posted by Jennifer Park on December 16, 2025 | 0 Comments

When it comes to transferring property ownership, not all deeds are created equal. Both a grant deed and a warranty deed are legal documents that transfer title from one party to another, but the level of protection they offer differs significantly. Understanding the difference is crucial in any real estate transaction — whether you’re buying…

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Posted by Jennifer Park on December 16, 2025 | 0 Comments

In real estate, paperwork defines ownership, rights, and responsibilities. Two documents that often confuse homeowners and buyers are the grant deed and the deed of trust. Both are legal documents tied to property transactions, but they serve entirely different purposes. One transfers ownership; the other secures a loan. Understanding how they work — and how…

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Posted by Jennifer Park on December 16, 2025 | 0 Comments

An allonge is a separate piece of paper attached to a negotiable instrument—typically a promissory note or mortgage note—when there’s insufficient space on the original document for additional endorsements (aka assignments to other parties if the note is transferred). For mortgage note holders, understanding an allonge is essential as they directly impact one’s ability to…

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Posted by Jennifer Park on October 15, 2025 | 0 Comments

Understanding the difference between recourse and non-recourse debt can save you thousands of dollars and protect your personal assets. When you sign loan documents, you’re not just agreeing to monthly payments—you’re determining what happens if things go wrong. The distinction boils down to liability. In a recourse loan, the lender can seize assets beyond the…

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Posted by Jennifer Park on July 17, 2025 | 0 Comments

Buying a house on a land contract is a smart workaround if you can’t qualify for a traditional mortgage — yet. But it’s not meant to be the end goal. Once you’ve made regular payments and improved your financial footing, converting your land contract into a mortgage can unlock lower interest rates, longer terms, and…

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Posted by Jennifer Park on May 15, 2025 | 0 Comments

The mortgage bond market plays a fundamental role in global finance, influencing institutional investment strategies and homeownership trends alike. Investors rely on these securities to generate income, diversify portfolios, and manage risk. However, mortgage bonds are complex financial instruments, requiring a strong understanding of how they work, their associated risks, and effective investment strategies. This…

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Posted by Jennifer Park on February 14, 2025 | 0 Comments

Land trusts. For many, they’re a mysterious legal entity—the stuff of conservationists and secretive landowners. In reality, they’re much more than that. These legal agreements, where a trustee holds property on behalf of a beneficiary, play a pivotal role in conservation, privacy, and community development.  But as noble as land trusts are, they come with…

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Posted by Jennifer Park on January 15, 2025 | 0 Comments

Mortgagee vs Mortgagor: Introduction to Mortgagor and Mortgagee When navigating the world of mortgages, two key terms frequently come up: mortgagor and mortgagee. These terms represent different parties in the mortgage process, but it’s easy to get them confused. Here, we’ll break down the roles of the mortgagor and mortgagee so you can fully understand…

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Posted by Jennifer Park on December 18, 2024 | 0 Comments

To buy a home, buyers can take out a mortgage loan to purchase a property if they are short on funds. They can then repay the loan over many years to their lender (e.g., the bank) in the form of mortgage payments. However, during such real estate transactions, the lenders are the most at financial…

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Posted by Lyle Solomon on November 14, 2024 | 0 Comments