I have used Wichita Federal Credit Union, and Gateway mortgage and have had success, hopefully they can help you! 

It is a federal regulation but some states reach out and screw you.

The Federal govt can sue you.

Looks like Paramount is under Federal investigation for having failed to make agreed payments. 

Required again as of 12/23/24 Appeals Court:"In light of a December 23, 2024, federal Court of Appeals decision, reporting companies, except as indicated below, are once again required to file beneficial ownership information with FinCEN.

https://natlawreview.com/article/texas-federal-court-issues-nationwide-injunction-against-enforcement-corporate“We note this is a preliminary injunction, and we urge reporting companies to pay attention for additional updates and proceedings in this and other cases which could modify or change this order.”

Check with your tax professional about your ability to deduct the interest on a HELOC from your taxable income.2.

Just a quick comment and recommendation about Roth conversion: Never convert cash into Roth; if you do - 100% of the cash converted is taxable.

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

Interest Income: The interest income generated from owner financing is considered passive income and is not subject to UBTI (Unrelated Business Taxable Income).3.