Financial

When a loan on a property secured by a Deed of Trust is paid back in full, the title must be transferred back to the owner under this California Deed of Reconveyance.

• The provisions of the Deed of Trust require the lender to transfer the title from the trustee back to the borrower, but the borrower is usually responsible for paying the costs of the conveyance.
• The digital file includes a Request for Reconveyance form which the lender uses to instruct the trustee to reconvey the title back to the owner.
• The property is transferred back to the owner without warranty.
• Available in MS Word format.
• Intended to be used only in the State of California.

This California Deed of Trust is based on the Fannie Mae / Freddie Mac form and contains all the required standard and non-standard covenants and provisions.

• A Deed of Trust takes the place of a mortgage in California and is used to secure repayment of a home loan.
• Title to the property is transferred to a neutral third party trustee, who holds the title until the loan is paid or the borrower defaults in payment.
• If a borrower breaches the terms of the Deed of Trust and, after receiving written notice of the breach from the lender, has failed to remedy the breach, the lender can accelerate repayment of the balance owing plus costs.
• The lender has the right to invoke a power of sale and have the trustee sell the property at public auction to the highest bidder.
• Available in MS Word format.
• Intended to be used only in the State of California.

A borrower has failed to make a mortgage payment on time and you have filed the appropriate Notice of Default under California Civil Code S. 2924. Now it's time to file the Final Notice of Default.

• The Final Notice of Default must be filed before you can terminate the contract and start foreclosure, eviction or other legal proceedings.
• The form contains a copy of the appropriate sections of the Civil Code.
• This is a reusable legal form. Just fill in the details for each default event and print.

To purchase the Final Notice of Default, add it to your cart and click the Checkout button. When the payment goes through you can download the form and use it immediately.

Use this downloadable template to create a Loan Servicing and Tenancy in Common Agreement as part of an offering of fractional undivided interests in a promissory note.

• The agreement is between the investors (lenders) and a loan servicer who has arranged the loan between the lenders and the borrower.
• The servicer is acting as agent for the investors with respect to the promissory note, and no other relationship exists between the parties.
• The borrower will make all payments on the note to the servicer.
• The servicer will provide each lender with monthly statements and with the appropriate tax forms at the end of each year.
• The servicing fees will be paid monthly and will be calculated as a percentage of the principal balance outstanding at that date.
• If a foreclosure of the property is necessary and the servicer is required to manage the property, an additional property management fee will be charged.
• The servicer has the right to hold back a reserve sufficient to pay two months interest payments.
• If an investor fails to pay its pro rata share of any assessment within 10 days of request, that investor's right to receive principal and interest payments will be subordinated to the rights of all investors who have paid their share.
• This is a comprehensive legal form that you can tailor to your specific requirements.
• Intended to be used only in the State of California.

Mortgage brokers in California can sign up clients for their services with this customizable contract template.

• The borrower retains the broker as its exclusive agent for obtaining mortgage loan approval from a lender.
• The broker will obtain a credit report and property appraisal, and prepare the loan application.
• Provisions covering the broker's compensation based on the rate and fee combination that the borrower chooses.
• The broker agrees that no hidden compensation will be received from the lender or any other source.
• The borrower agrees to provide the broker with truthful and complete information as required for the purpose of the loan application.
• The broker stipulates that there is no guarantee or promise that the borrower will obtain a mortgage loan as a result of the broker's efforts.
• The parties agree to binding arbitration in the event of a dispute.

You can download the Mortgage Broker Agreement right after you purchase it. See how easy your client paperwork can be with a good digital template!

Has a borrower failed to make a payment on time under their mortgage or contract for deed? You can now serve this Notice of Default under Section 2924 of the California Civil Code.

• The Notice must be filed and served properly before you can take possession of the mortgaged property.
• The Notice instructs the borrower on how to remedy the default, and how many days s/he has to take action.
• The form also contains a copy of the applicable Section of the Civil Code.

The foreclosure process starts here. Get your copy of the California Notice of Default form and start the ball rolling.

This California Offering Circular contains the details of an offering of fractional undivided interests in a promissory note.

• The promissory note is secured by either a first mortgage or by other promissory notes secured by other collateral.
• The circular should be provided to any potential investors who may want to purchase interests.
• The document describes the fractional interests, the particulars of the loan and the loan servicing.
• The compensation being paid to the loan servicer and affiliates is disclosed, as are any conflicts of interest.
• The issuer must disclose any risks, ERISA and federal tax considerations with respect to the investment.
• Available in MS Word format.
• Intended to be used only in the State of California.

Make a private placement offering of common shares and share purchase warrants in several Canadian provinces under the terms of this template Offering Memorandum.

• In this example, the securities are being offered for sale in the Provinces of Alberta, British Columbia and Ontario.
• The sale of units must fall within the minimum and maximum number set in the Offering Memorandum.
• The investment is highly speculative and carries a high degree of risk.
• The securities are issued pursuant to applicable exemptions under the securities legislation in the jurisdictions in which the units are being offered for sale.
• There are restrictions on the resale or transfer of the securities.
• The document also contains sample Warrant Certificate, Transfer of Warrants, and Warrant Exercise forms.

This Offering Memorandum for Common Shares and Share Purchase Warrants is only for use in Canada. You can download the digital file immediately after purchase.

Use this Form 45-103F1 to prepare an offering memorandum for a non-qualifying issuer in Canada (as defined by Multilateral Instrument 45-102, Resale of Securities).

• A non-qualifying issuer is an issuer which has not filed a current Annual Information Form, regardless of whether or not its securities are listed on a Canadian exchange.
• The template comes with a full set of instructions and examples showing you how to complete each section.
• Also included is a Risk Acknowledgement Form (Form 45-103F3).
• The form has been updated as of March 30, 2004.

If you're a non-qualifying issuer, you should use this Form 45-103F1to issue an Offering Memorandum.

Instruct a corporation's transfer agent to issue shares with this template Treasury Order form for Canada.

• The Treasury Order is a directive from a corporation to the trust company acting as its transfer agent and registrar.
• The transfer agent is directed to issue fully paid and non-assessable shares to the parties named in the Treasury Order.
• The file also includes a Direction to Cancel form, to cancel shares that were issued in error.

To obtain the Canada Treasury Order form, add it to your shopping cart. Then go through our secure checkout and download the template to your PC or laptop.