Real Estate Financing

At Altman & An LLP, our lending team has decades of experience representing financial institutions in all aspects of residential mortgage and commercial loan transactions. We routinely handle the drafting and negotiation of loan documents, conduct thorough due diligence on borrowers and guarantors, clear loans for closing, and represent lenders at settlement.

Our clients range from national and international banks to community lenders and private real estate funds. We advise on strategic financing structures to minimize risk, navigate regulatory compliance, and resolve problematic lending issues. Our attorneys also represent lenders in foreclosure proceedings and loan enforcement actions.

Residential Mortgage Closing

We provide comprehensive residential mortgage closing services, including:

• Coordinating with buyers’ and sellers’ attorneys, title companies, lenders, and relevant tax or payoff authorities
• Clearing title issues and reviewing title reports
• Ensuring compliance with TRID, Closing Disclosure (CD), and other regulatory requirements
• Verifying the accuracy of closing costs, taxes, escrow, and prepaid items
• Preparing and reviewing complete loan closing packages, including:
  • Closing Disclosure (CD)
  • Promissory Note
  • Mortgage
  • Escrow instructions
  • Affidavits and certifications
• Attending closings, reviewing documents with borrowers, ensuring proper execution, and disbursing loan proceeds
• Ensuring lender funding conditions are met prior to disbursement
• Coordinating title insurance issuance for the lender
• Returning completed closing packages to the lender and following up on recording status with the title company
• Drafting and handling CEMA (Consolidation, Extension, and Modification Agreement) documents and payoffs

Commercial Loan Transactions

Our attorneys have a deep understanding of complex financing structures and regularly represent commercial banks, real estate investors, and private funds in both secured and unsecured transactions.

We draft and negotiate loan documents for:

• Bridge loans
• Preferred equity financing
• Securities pledge agreements
• Warehouse and inventory loans
• Senior and subordinate mezzanine loans

We also represent lenders in co-lending arrangements, including intercreditor agreements and subordination structures, providing clear and strategic counsel throughout each transaction.