KEVIN JONES Real Estate & Loans » Blog Archive » All Inclusive Trust Deed (AITD) also known as a Wrap Around Loan.

All Inclusive Trust Deed (AITD) also known as a Wrap Around Loan.

May 25, 2009 3:42 pm AITD

All Inclusive Trust Deed (AITD)
Also known as a Wrap Around Loan or Wrap, this means that the preexisting loan is absorbed into a fresh loan that is made by a property’s seller. For example, if a property sells for a total of $100,000, but there is a preexisting trust deed on the property that still has a balance of $50,000, with an interest rate of 5 percent, and the buyer is able to put a $10,000 down payment on the purchase of the property, an all inclusive deed of trust may be formed at $90,000, with an interest rate of 7 percent. This means that the all inclusive deed of trust wrapped around the preexisting trust deed of $50,000, while the seller made 2 percent on that amount at 7 percent, on the $90,000.

The buyer will then make his or her payments based upon the remaining balance, in this case the $90,000 at the agreed upon amount to the seller and the seller will continue to make his or her payments on the original trust deed. One of the biggest benefits of the AITD is its flexibility and ability to negotiate “All” of the terms, including the payment amount, the interest rate, payment date, payment frequesncy, the maturity date, any late charges, and prepayment penalty if you so choose.

If the oringal loan includes a “Due on Sale” clause, all parties involved should be strongly advised or required to seek legal and tax advice before finalizing said transaction. It is also advised that the AITD be drafted by a real estate attorney familar with this type of transcation.

If you are interested in an all inclusive deed of trust, there are a few steps that you should take, these include: Finding out all of the relevant information regarding the loan that you would be assuming, such as: payments, interest rate, terms of the loan, type of loan, maturity date and any other factors that could potentially affect the buyer or seller.

An AITD will allow for a great deal more flexibility and options when it comes to buying and selling properties than you would have with a customary or traditional mortgage. In todays changin real estate market you might want to consider it for your next real estate transaction to enable you to achieve the results you may need to in your circumstances.

The AITD does have risks, such as default by either party, the buyer could at any time stop making payments, seller could not make the payments to the bank after the buyer made payment to seller. On every creative transaction there should some form of checks and balances for both parties involved, your real estate agent, real estate attorney and tax consultant would be a good start in the planning of your AITD to get the possible protection in your case.

For More Info please call Kevin Jones at 818-955-SOLD (7653)
KEVIN JONES Real Estate & Loans

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