Marketplace Disclaimer

LendingOwner is an independent online marketplace connecting buyers and sellers of owner-financed real estate.

We are not a lender, mortgage broker, loan originator, real estate broker, agent, financial institution, escrow company, or legal advisor. We do not originate loans, determine creditworthiness, or participate in transactions. All transactions occur directly between users.

No Lending Activity

Despite the word "Lending" in our name, LendingOwner does not provide loans or financing of any kind.

Any financing terms displayed are provided solely by property sellers. We do not verify, approve, or guarantee financing terms. Users are responsible for ensuring compliance with the Dodd-Frank Act, SAFE Act, TILA, ECOA, and all applicable state laws.

Due Diligence Required

LendingOwner does not verify property ownership, title status, liens, property condition, or legal compliance of any listing.

Before any transaction, buyers should:

• Conduct a title search with a licensed title company
• Hire a licensed property inspector
• Consult a real estate attorney
• Verify seller ownership through county records

Fair Housing Statement

LendingOwner is committed to full compliance with the Fair Housing Act and all anti-discrimination laws.

Users may not discriminate based on race, color, religion, sex, disability, familial status, national origin, or any other protected characteristic. Violations result in immediate listing removal and account termination. We reserve the right to report violations to authorities.

Legal Compliance (Sellers)

Sellers are solely responsible for compliance with:

• Dodd-Frank Act — 3+ deals/year may require MLO license
• SAFE Act — Mortgage origination licensing
• State laws — TX, CA, FL have extra requirements
• Usury laws — Interest rate limits vary by state
• Disclosure requirements — Must disclose APR, terms, balloon payments

Credit Checks Explained

Credit checks on this platform work as follows:

• Seller finances 100%: Seller decides — they may waive credit checks entirely
• Partial seller financing: Seller may check + bank does their own check for bank portion
• Bank involved: Bank conducts full credit check regardless of seller decision

The "No Credit Check" option on listings reflects the seller's choice only. LendingOwner does not perform or guarantee any credit evaluation.

Fraud Warning

• Never wire money without title verification
• Never send cash, gift cards, or crypto as deposit
• Always verify seller owns the property via county records
• LendingOwner will never request payment outside the Platform
• Never sign documents you don't fully understand

Report fraud: support@lendingowner.com

Arbitration & Class Action Waiver

All disputes shall be resolved through binding arbitration in the State of New Jersey under AAA rules.

Class Action Waiver: Users waive the right to participate in class action lawsuits against LendingOwner. Claims must be brought individually.

You may opt out within 30 days of first use by emailing support@lendingowner.com with subject "Arbitration Opt-Out."

State-Specific Notices

Texas: Contract for Deed / Land Contract rules require specific disclosures within set timeframes. Attorney review strongly recommended.

California: Additional disclosure requirements on balloon payments. Usury laws limit interest rates. Consult CA real estate attorney.

Florida: Seller Financing Addendum may be required. Consult FL real estate attorney.

All states: Consult a licensed local real estate attorney before completing any owner-financed transaction.

External Legal Resources

Official government resources for buyers and sellers:

• HUD.gov — Fair Housing resources
• CFPB.gov — Consumer financial protection
• FTC.gov — Fraud reporting
• Your state's Real Estate Commission website
• American Association of Private Lenders (AAPL)