Using a licensed MLO to originate seller financing loans

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There have been several threads here on BP lately about the legality issues when seller financing to consumers. New, apparently stricter federal regs are in place to start 1/2014.

I've posted before that I've been offering seller financing only to investors the last few years as those loans are exempt from the Safe Act and Dodd Frank. However, I have a cash offer in front of me for a property I'm selling. The buyers will live in the property and have cash from an inheritance ($150K). They are $10K short to make the deal work for me. I'd be happy to carryback $10K for 60 months at 6% interest with no prepayment penalty...in first position. How can I do that and be in compliance with all the regs?

I'd like input and experience on using a licensed MLO to originate loans on my seller finance deals to owner occupant consumers in CA. Does using a licensed MLO to take the application really keep me in compliance with the regs? Who are these MLOs that will do such originations for a fee?