My knowledge in laws and financial instruments are limited to NY/NJ/CT/PA/IL.

All loans will have a security instrument and note.  

It has been so instrumental in our investing journey, and in my growth as a real estate agent.

When it was Foreclosureradar.com, it was instrumental in helping me purchase 25 CA properties at trustee sales in 2011-2013.

You can make this transfer to a limited liability company (LLC), provided that "The mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, andthe LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).Note: The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements."

Therefore, although you can buy the property in just your name, since the deed is recorded before the mortgage, and you are married, your spouse will have to join you in signing the mortgage INSTRUMENT, not to be confused with the mortgage loan.

Caterpillar is moving a new facility here, Raytheon is looking to hire on over 2000 new engineers, and more office workers, there is talk about Texas Instruments moving back, and potentially even IBM.

A HELOC is a revolving type of instrument, and they are typically interest only.  

A note is a start, but you'll want a security instrument as well.

The aim is to avoid any backlog in the Sheriff’s office.Creates an online auction site for foreclosed properties.Modifies the appraisal and advertising process for subsequent sale attempts, while eliminating the 2/3rd minimum bid requirement on subsequent sale attempts.The OSBA Real Property Section and the Banking, Commercial & Bankruptcy Law committee were instrumental in crafting the bill and assisting with its passage.