However it requires the passage of time.

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With the passage of legislation Due On Sale became the norm so you are largely correct that assumptions are no longer common in the residential loan space.John Corey

I would not underestimate banks' willingness to call low interest rate loans due on sale, transfer, or hypothecation going forward in a rising interest rate environment.Back in the late nineteen seventies it was a major issue, and sufficiently important to banks that they forced through passage of the Garn-St.

A fellow land investor told me on small tax deed deals instead of paying $2k+ for a quiet title suit, I could just sell on a land contract with a stipulation for no payoff for 2 years minimum. 2 years pass and title is quieted via the passage of time, no lawsuit needed.

@Irfan Raza agreed i haven’t seen any change in Phila since the passage of the law.

Society usually gets used to these introductions gradually and a lot of refining of the current statutes in most of the states would be required.Allergy to change is sort of how most states operate. the link doesnt work but i assume its the same passage i mentioned on my first post.

These changes included the passage of the Dodd-Frank Act in 2010, which created “qualified mortgage” rules that tightened up mortgage standards across the industry.

Easy test is go to H.D. and buy a few rolls of whatever cheapest, fluffiest rolled insulation, go into the passage mentioned that can draw outside air and just unfurl it to create a block, it wont be perfect but all we are trying to do is cause interference not 100% stop it.

After she realized such was not common, nor necessary in Seattle, she adapted to having just the passage lock and deadbolt.