3mo ago
Seller financing regulations vary significantly by state, and we've prioritized the highest-volume markets first. Here's what we've built:
Currently supported (covers 72% of transactions):
Texas (25% of market): Property code requirements, homestead protections, specific disclosure rules
Florida (12% of market): Mortgage foreclosure vs. land contract distinctions, homestead exemptions
California (9% of market): Civil Code 2956-2967 requirements, SAFE Act compliance for 1-5 properties
North Carolina (6% of market): Installment land contract regulations, foreclosure timeline requirements
Georgia (5% of market): Security deed vs. mortgage distinctions, power of sale foreclosure rules
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Top most-requested feature:
Document e-signing (coming Q3 2026)
Generate promissory note, sign electronically with buyer Legally binding, timestamp verified, stored permanently, Eliminates the printing-signing-scanning dance Probably Docusign integration to start, native later
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Why agents might recommend Cova:
Makes seller financing transactions smoother
Your clients are better organized and less likely to screw up compliance
