Creative Finance Disclaimer

The Creative Marketplace is an online marketplace that connects buyers and sellers interested in creative real estate financing. We provide the platform — listing pages, search, messaging, and tools — but we do not participate in transactions between users.

The Creative Marketplace is not, and does not act as, any of the following:

• A real estate broker, agent, salesperson, or referral service regulated under state real estate licensing law.
• A lender, mortgage broker, loan originator, or Residential Mortgage Loan Originator (RMLO) under the SAFE Act or Truth-in-Lending regulations.
• A title company, escrow agent, or settlement agent.
• An attorney, law firm, financial advisor, tax advisor, or fiduciary.
• A party to any listing, contract, or transaction.

We do not provide legal, tax, accounting, financial, or real estate advice. Anything you read on the Platform — including listings, blog content, glossaries, and tools — is for general informational purposes only.

Listings on The Creative Marketplace are posted by sellers or their authorized representatives. We do not independently verify:

• Ownership of the property.
• The marketability or condition of title.
• Any existing mortgages, liens, judgments, taxes, or encumbrances.
• The accuracy of price, payment, rate, term, balloon, or other financing details.
• The condition, habitability, code compliance, or zoning of any property.
• Compliance of the proposed financing structure with Dodd-Frank, the SAFE Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act, state usury laws, or any state-specific licensing or disclosure requirements.

A “verified” badge — if any — indicates only that we performed limited identity or document checks at the seller’s request. It is not a guarantee of accuracy, marketability, or legal compliance.

Creative real estate financing is regulated. Depending on the structure and the state, the seller, the buyer, or both may have obligations under one or more of the following:

• Dodd-Frank Act & SAFE Act — when an owner finances residential property, certain transactions require a licensed RMLO and trigger ability-to-repay rules.
• Truth in Lending Act (TILA) & Regulation Z — disclosure requirements for consumer credit transactions.
• RESPA — settlement procedure disclosures.
• Fair Housing Act & ECOA — prohibitions on discrimination in housing and credit.
• State licensing — state-specific real estate broker, mortgage broker, RMLO, and contract-for-deed rules that vary widely (for example, Minnesota, Texas, and Oklahoma impose specific contract-for-deed protections).
• State usury & consumer protection laws.
• Subject-to / wraparound— most underlying mortgages contain “due-on-sale” clauses that may allow the lender to accelerate the loan upon transfer.

You are responsible for understanding which rules apply to you, in your state, for the specific transaction you intend to enter. The Creative Marketplace does not provide this analysis.

At minimum, before signing any creative-finance agreement:

• Have a licensed real estate attorney in the property’s state review the contract and any promissory note, deed, trust, or wrap documents.
• Order a title search and, where applicable, title insurance.
• Verify the legal description, ownership, and any encumbrances against the property.
• Confirm whether the transaction requires a licensed RMLO and, if so, retain one.
• Inspect the property and review tax, insurance, and HOA records.
• Confirm any underlying mortgage status, due-on-sale exposure, and lender consent requirements (especially for subject-to or wraparound).
• Use an attorney, title company, or licensed escrow agent to close.

The Creative Marketplace makes no guarantee that you will find a property, sell a property, qualify for any structure, receive any return, or avoid any loss. Real estate values and financing terms vary significantly; past results do not predict future outcomes.

Listings may contain projections — rental income, appreciation, equity build, or refinance assumptions. Projections are the seller’s opinion only and are not guarantees by The Creative Marketplace or anyone else.

The Creative Marketplace supports the principles of the Fair Housing Act. We do not tolerate listings or messages that discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other protected class under applicable law. Suspected violations may be reported to legal@thecreativemarketplace.com.

By using The Creative Marketplace, you acknowledge that you have read and understood this Disclaimer, our Terms of Service, and our Privacy Policy, and you agree to be bound by them.