Our Professional Team

Dennis R. Baranowski, Esq.


Bar Admissions



J.D., University of La Verne College of Law
B.A., University of California, Riverside


Dennis Baranowski Geraci Law Firm

Dennis R. Baranowski, Esq.


Dennis R. Baranowski, Esq.


Areas of Practice

Lending Compliance
Loan Document Preparation
Capital Markets Agreements & Negotiation


Dennis Baranowski is a Partner at Geraci LLP and a supervising attorney in the Banking and Finance group. He has extensive experience in helping banks, credit unions, mortgage funds, private lenders, brokers, developers, and loan servicers navigate through complex transactions, including negotiation of terms, transaction review, and drafting of documents. He developed and manages Geraci’s cannabis lending and compliance practice and has regularly presented on cannabis lending, as well as had articles on the topic published in national trade publications. Mr. Baranowski believes in dedicated, constant communication, and providing swift, custom, effective, and efficient solutions to client problems. He understands that his role is not to stand in the way of a transaction, but to be a trusted guide in all lending matters.

Representative Matters

  • Representation of national banks, local banks and credit unions in drafting custom loan documentation packages and document review.
  • Representation of Fannie Mae and Freddie Mac in default related legal matters, including foreclosure, bankruptcy, loss mitigation and bankruptcy.
  • Drafted and reviewed documents for warehouse lines, loan purchase and sale transactions, and hypothecations aggregating over $1 billion.
  • Drafted custom loan document templates for national mortgage lender.

Associations & Memberships

  • American Bar Association
  • California Bar Association
  • California Mortgage Bankers Association, Member of Future Leaders Program, 2014
  • California Mortgage Association
  • American Association of Private Lenders, General Counsel
  • Orange County Bar Association: Banking & Lending Section
  • United Trustees Association


Using Personal Property to Further Secure Your Real Estate Loan
Using Personal Property to Further Secure Your Real Estate Loan
Crystal Ball Predictions for 2023
Crystal Ball Predictions for 2023
Origination Fees: DOs and DON’Ts for Mortgage Professionals
Real estate developers
9 Things to Expect in 2022: The Crystal Ball | Presented By the Geraci Partners
California Threshold
Complying with California Threshold and Multi-Lender Broker Reporting Requirements
Construction Lending
Making the Leap from Fix and Flip Financing to Construction Lending
Cross-Collateralization Provisions
Making Sense of Cross-Default and Cross-Collateralization Provisions
Three Things All Lenders Must Consider When Making a Cannabis Loan
Year in Review: 2020 Court Decisions Impacting Private Lending
Q3 Recap: Commercial/Multifamily Borrowing
3 Strategies to Free up Capital and Fund New Loans
Commercial/Multifamily Mortgage Lending Q2 Recap
June CMBS Delinquency Rates on the Rise
complex bankruptcy litigation
Preparing for Bankruptcy Filings
[COVID-19] Mortgage Delinquency Rate Spikes in April
[COVID-19] Majority of Tenants Still Making Timely Payments Despite Economic Turmoil
[COVID-19] CMBS Delinquency Rate Update: COVID-19 Impact Anticipation for May
[COVID-19] MBA’s Latest Survey Shows Significant Increase in Number of Loans in Forbearance
[COVID-19] Tenant Payment Delinquencies Spike in April
[COVID-19] Impacts on Cannabis Reform Across the U.S.
Shelter in Place/ Stay at Home Order by State
Federal and State Foreclosure and Evictions Moratoriums
Responses to COVID-19 from Fannie Mae & Freddie Mac
California Recorder Office Closures By County
Updates from California Secretary of State, Department of Real Estate, and Title Companies
SYNGRO - Real Estate Recording Closures by State and County
Laxed Hemp Financial Regulations Have Banks Anticipating Progress in the Marijuana Sector
Lenders Beginning to Open Up Capital for Cannabis Businesses
Congress Votes to Bar Federal Government Intervention Into State Cannabis Legislation
New California Assembly Bill Adds Challenges for California Lenders
What Seismic Retrofit Requirements Mean for Lenders and Investors
32% of Multifamily Production Expenses Caused by Regulation
How to Evaluate a Private Money Construction Loan
Insurance Commissioner Approves Cannabis Property Policies
Trump Administration Signals End to War on Legal Cannabis
Citing Scant Resources, Justice Department will not Prosecute Minor Marijuana Offenses
Is a State-Run Cannabis Bank in California’s Future?
Attorney General Sessions Ends Obama-era Cannabis Protections. What You Need to Know
What You Need to Know About Cannabis Lending
Affordable Housing Mandates Impose Burdens on Developers
Freddie Mac Kills 1% Down Payment Program
Attorney General Urged to Maintain Non-Enforcement Policy Against Legal Cannabis
Investing In Marijuana: Did the Green Rush Begin?
What You Need to Know Before Purchasing A Trust Deed Investment
Challenges Ahead For California After Voters Approve Recreational Marijuana
Identifying The Right SBA Loan Program


California Licensing Reporting Requirements
Free Up Capital, Fund New Deals
Contact Dennis R. Baranowski, Esq.
We represent financial institutions and real estate professionals.
Unfortunately, we do not represent consumers.