Seller finance packages allow the buyer to finance their purchase from the seller, bypassing traditional lenders. This is commonly used when the seller is financing buyer’s purchase of seller’s homestead property with no prior liens. It is also used when seller is financing a family member’s purchase of seller’s non-homestead property with no prior liens. Since there is no prior lien holder, the deed of trust places a first lien against the property. If the buyer defaults, the seller can foreclose in the usual manner. Since the property is the seller’s homestead or is being sold to a family member, the SAFE Act licensing (RMLO) requirement does not apply.