Not a law firm
Fiduciary Asset Protection Group, LLC prepares documents from information supplied by its customers, using attorney-reviewed templates. It is not a law firm, it does not provide legal advice, and no attorney-client relationship is created by using this site or the FAPG Trust Desk application.
Nothing on this site — including the jurisdiction summaries, the guides, and any description of state law — is legal advice. The jurisdiction data was assembled from secondary legal research and each entry carries a recorded confidence level. It is a starting point, not a substitute for advice from an attorney licensed in the state where the property sits.
Due-on-sale
A land trust does not prevent a lender from enforcing a due-on-sale clause in a subject-to transaction. The exception at 12 U.S.C. § 1701j-3(d)(8) requires that the borrower is and remains a beneficiary and that the transfer does not relate to a transfer of rights of occupancy. A subject-to purchase fails both conditions.
Not title, escrow, tax, or investment advice
FAPG does not issue title insurance, conduct closings, hold escrow, or provide tax or investment advice. Transfer tax and recording fee figures shown anywhere on this site are estimates, are set by jurisdictions other than FAPG, and are reconciled against the actual charge.
Unauthorized practice of law
States differ substantially in whether a non-attorney may prepare conveyancing documents. Where a state requires an attorney to prepare or supervise these documents, supervising counsel admitted in that state is engaged and the cost appears as a line item on the quote.