Banking & Finance

Geraci LLP’s Banking and Finance team is comprised of highly skilled attorneys who focus on the preparation of transactional documents for mortgage professionals along with providing loan compliance and loss mitigation advice.

Loan Document Preparation

If you are a lender, loan originator, or broker who needs nationwide loan documents, our Banking & Finance team of experts can manage any type of loan with any type of complexity. Our team skillfully prepares documents secured by single family, multifamily, office, industrial, mixed use, land, or non-real-estate collateral. We prepare all loan product types including fix-and-flip, ground-up construction, mini-perm, perm, revolving lines, mezzanine, bridge, blanket, and rental. The team uses state of the art automation software built in-house to provide service faster than competitors.

In addition to loan origination, the team prepares all other documents mortgage professionals rely upon such as loan sale, assumption, participation, hypothecation, broker, and servicing agreements.

Foreclosure & Loss Mitigation

Our job is not complete until your loan is repaid in full, every time. The moment a loan runs into a problem our team helps our clients figure out the best strategy to get the loan to reperform or otherwise get paid off. Our team expertly crafts modification and forbearance agreements to bring the loan back on track, or advises on the best default strategy.

Our team is also able to conduct non-judicial foreclosures in California to make sure you have peace of mind throughout your default. Outside of California we have a team of outside counsels that we work with to shepherd you through foreclosures nationwide.

Lending Compliance

What differentiates Geraci LLP from other law firms and documentation providers is our deep expertise in lending compliance issues for loan originators, brokers, lenders, and servicers. On a nationwide basis, our team advises on how to run a compliant practice, including licensing, usury analysis, foreign registration requirements, late charge/default interest advice, table-funding restrictions, and general advice regarding the lending and regulatory climate throughout the country.

Our team also has unique and deep understand of California Department of Real Estate and California Department of Business Oversight rules and regulations governing California real estate brokers and California Finance Lenders. Our team understands the nuances surrounding the multiple licensing regime in California and can expertly advise how to properly comply with your California broker or lender license, including reporting, auditing, advertising, and best practices.

Capital Markets Agreements & Negotiation

If you are a loan originator or mortgage fund who needs access to capital, wants to provide capital for loan originators, or are looking to sell your mortgage loans on the most favorable terms, contact Geraci Law Firm’s Banking & Finance team below. Our creative, savvy attorneys can help you negotiate agreements, design lines of credit, navigate transactions, and more, helping to set up your business for success.
Banking & Finance Resources
Navigating Making Business Purpose Loans Nationwide
Lending, Brokering, or Servicing Licensing Requirements and their Exceptions
Staying Under the Limit An exploration of Usury
Understanding Prepayment Penalties
Legal Update May 2024: CANNABIS 2024 OUTLOOK – STILL GROWING LIKE A WEED
[UPDATE] Loan Modifications in Peril in California (In re: Moon)
What Constitutes a Good Set of Loan Documents?
California Compliance Toolkits For Private Lenders
Where Are We Headed? Geraci Leadership Is Looking Forward to 2024
Assignment of Rents – What, Why, and How?
Securing Interests: Navigating the Intricacies of Assignment of Rents in California Real Estate
Signing Authority: Why Should I Care? Doesn’t Title Insurance Cover Me Anyway?
Empowering Agents Through a Power of Attorney: What Should Be Included?
Getting Signature Authority Down Right!
Navigating the 2023 Economic Landscape: Recession-Proofing Your Loan Files
Making Your Advertising Compliant
Corrective Addendum or Modification Agreement? A Matter of Mistake Versus Change
When is a Corrective Addendum Right for You?
Loan Documents Are Dated for This Month, But the Closing Doesn’t Happen Until Next Month: What Do You Do?
A Private Lender's Roadmap to State Privacy Laws
Denied but Determined: The Battle for Title Coverage Beyond Loan Value
Unavailable Endorsements: State Regulation and Title Company Stubbornness
Common Endorsements Recommended on all Transactions
Bank Uncertainty Opens the Door for Private Lenders
Navigating Capital Markets in the Current Economic Environment: Key Negotiating Strategies
Why Make Title Companies Sign Lender’s Closing Instructions?
What To Do When Title Won’t Remove An Exception Item
CFPB Continues to Regulate Private Lenders – The Small Business Lending Data Collection Rule
Comparing CLTA and the ALTA Standard and Expanded Coverages in Loan Title Policies and the Practicalities in Closing on Time
Legal Ramifications of Cannabis Lending

Contact Our Banking & Finance Team

Please note that our firm focuses primarily on private lenders. Unfortunately, we are unable to assist with consumer matters.