I was Treasurer for our local affiliate, and now I sit on its finance committee. We close a dozen or more new houses a year. Some are finance using USDA loans at really low rates; the remainder are financed in-house on 0% loans. We use an attorney who does pro bono work except for anything she has to farm out. She prepares the LE and CloD. I haven't looked at one lately, but feel they are correct.
We also get pro bono loan servicing for our in-house loans from a local bank. They take care of billing, escrow, etc.
John S. Burnett
Professional Compliance Nerd since 1976
Bankers' Threads User #8