Legal Insights

Explore thoughtful commentary, strategic guidance, and practical perspectives from Jasmine Daya & Co. Our daily blogs deliver actionable insights across our core practice areas, keeping you informed on serious personal injury, complex property damage and insurance disputes, cross-border private lending advisory, and general legal matters.

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The Importance of Knowing the “Threshold” and the Statutory Deductible

Citizens of Ontario are involved in car accidents on a daily basis. Unfortunately, car accidents often result in personal injuries. If you have been the

July 17, 2019 No Comments

NMLS, TILA, RESPA, DSCR… What Do They Mean? A Canadian Private Lender’s Guide to Speaking American

One of the biggest surprises Canadian private lenders encounter when expanding into the United States isn’t the legal system, it’s the different language, despite it still being English. Suddenly, conversations are filled with acronyms that seem to assume everyone knows exactly what they mean.

June 15, 2026

Judicial vs. Non-Judicial Foreclosure: What Canadian Lenders Need to Know About the U.S. System

For Canadian private lenders looking to expand into the United States, one of the biggest surprises is often the foreclosure process. Many assume that because Canada and the United States share common law roots, the enforcement process must be similar. It isn’t.

June 15, 2026

How Long Does It Take for a Canadian Private Lender to Expand into the United States?

One of the first questions Canadian private lenders ask me is surprisingly simple: “Okay, Jasmine. If we decide we want to do this… how long before we can actually lend in the United States?” The answer everyone hopes to hear is: “A few days.”

June 15, 2026

How Canadian Mortgage Brokers Can Legally Fund U.S. Business-Purpose Loans

For decades, Canadian mortgage brokers have built successful businesses helping clients navigate an increasingly competitive lending landscape. But as more Canadian investors and entrepreneurs look south of the border for opportunity

June 15, 2026

Canadian Capital vs. American Capital: Can Canadian Private Lenders Raise Money From Both to Fund U.S. Deals?

One of the most common misconceptions I hear from Canadian private lenders looking to expand into the United States is this: “Once we’re lending in the U.S., we only need to worry about U.S. laws.”

June 15, 2026

Can Canadians Obtain an NMLS Licence?

One of the questions Canadian mortgage professionals considering expansion into the United States is this: “Can I get an NMLS licence if I’m Canadian?” The short answer is: Yes. The longer answer is: Yes, but NMLS isn’t actually the licence—and the requirements depend entirely on what you’re trying to do and where you’re trying to do it. As with many things in the United States, the answer isn’t straightforward.

June 15, 2026

California, Florida, Texas, or Arizona: Where Should Canadian Private Lenders Start?

Canadian private lenders entering the United States often ask which state offers the best opportunities. Compare California, Florida, Texas, and Arizona from a lending, foreclosure, risk, and growth perspective.

June 2, 2026

Why Insurance Review Is Becoming Essential for Private Lenders

Private lenders spend thousands reviewing appraisals and title reports, but many never review insurance policies. Learn why insurance review is becoming one of the most important risk-management tools in private lending.

June 2, 2026

Cross-Border Tax Issues Every Canadian Private Lender Should Understand Before Lending in the United States

Canadian private lenders expanding into the United States should understand cross-border tax planning, withholding taxes, U.S. filing requirements, treaty considerations, entity selection, and estate tax risks.

June 2, 2026

How Foreclosures Differ Across the United States: What Canadian Private Lenders Need to Know

Foreclosure laws vary dramatically across the United States. Learn the difference between judicial and non-judicial foreclosure, redemption rights, deficiency judgments, and what Canadian private lenders should consider before funding a U.S. loan.

June 2, 2026

The Complete Guide to U.S. Loan Documents for Canadian Private Lenders

Expanding into U.S. private lending? Learn the key loan documents Canadian lenders need, including promissory notes, deeds of trust, mortgages, guarantees, insurance provisions, and more.

June 1, 2026

Business-Purpose vs. Consumer Loans in the United States: Why the Difference Matters

Canadian private lenders entering the U.S. market must understand the difference between business-purpose and consumer loans. Learn how this distinction affects licensing, compliance, loan documents, and risk.

June 1, 2026

Do Canadian Private Lenders Need a Licence in the United States?

Canadian private lenders are increasingly expanding into the United States. Learn the 10 most common mistakes lenders make and how to avoid costly compliance, tax, and legal problems.

June 1, 2026

10 Mistakes Canadian Private Lenders Make When Entering the U.S. Market

Canadian private lenders are increasingly expanding into the United States. Learn the 10 most common mistakes lenders make and how to avoid costly compliance, tax, and legal problems.

June 1, 2026

Why More Canadian Private Lenders Are Looking South: Opportunities in the United States

As Canada’s real estate market slows, many private lenders are exploring opportunities in the United States. Learn the benefits, risks, and legal considerations of cross-border private lending.

June 1, 2026

Legal Insights

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