Banking & Finance

For lenders who need best-in-class loan documents so they can sleep at night, Geraci has built its reputation on providing industry-leading documents. Whether you are primarily a fix-and-flip originator, a complex commercial lending organization, or anything in between, our team of experts has a document solution in place for you.

Loan Document Preparation

Geraci is the nation’s largest law firm dedicated solely to the private lending industry.

Our team of expert attorneys starts by providing best-in-class compliance and structuring advice so that you can determine the right document structure in the first place. Then, we prepare custom document packages expertly designed to protect your interests.

After the preparation of documents, our team will shepherd your transaction through the loan closing process including the review of executed documents, settlement items, insurance, proformas, and any other requirements relevant to your loan closing.

You are empowered to pick and choose which services make sense for your loan. We provide custom flat fee pricing solutions specifically tailored to your needs on a deal-by-deal basis.

For our loan documentation services in all 50 states, common loan products include:

Additionally, we advise and prepare the following ancillary loan documents when advised for your loan transaction:

Closing Services

In addition to the preparation of loan documents, our Closing Services team can assist in the loan closing process for a seamless experience as you fund your loans. A general breakdown of our drafting and closing service includes:
  1. Review of entity documents to confirm signature blocks for all entity borrowers and guarantors
  2. Review of preliminary title report and coordination with title to confirm title insurance is in the proper amount with relevant endorsements obtained and exception items cleared
  3. Drafting of loan documents, inclusive of an assignment and allonge if necessary if you are table funding the loan
  4. Coordinating the closing to assist with the following:
Our experienced team of closing attorneys and processors has experience with closing loans nationwide. We are able to swiftly navigate your closing issues and approach each closing with a problem-solving mindset.

Beyond Loan Documents

Our attorneys are here to help you with the preparation of all documents you will need to succeed in the marketplace.

Secondary Market Documentation

Once you make the loan, you may be considering selling, participating, hypothecating or otherwise conducting a secondary market transaction with your loan. Know that our team is in your corner and will be able to provide you peace of mind through any secondary market transaction. We commonly prepare and negotiate for both sides the following documents for a secondary market transaction:

Agreements for Portfolio Lenders

Often, after you make a loan, you will need to execute small or large changes to the underlying loan documents. Our team has tremendous depth and experience in the preparation and negotiation of the following:

Non-Loan Related Documents

We understand that you are also an operating business. For mortgage professionals, we prepare and negotiate many side agreements not directly related to a loan file such as:
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Loan Document Preparation Resources
What Constitutes a Good Set of Loan Documents?
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?
Getting Signature Authority Down Right!
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?
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
Why Make Title Companies Sign Lender’s Closing Instructions?
What To Do When Title Won’t Remove An Exception Item
Comparing CLTA and the ALTA Standard and Expanded Coverages in Loan Title Policies and the Practicalities in Closing on Time
Last Minute Closing Table Exception Items – What to Do?
Alternative Loan Structures
Variable Interest – Volatility Under Control
ALTA 2021 Replaces ALTA 2006 – What Lenders Need to Know
Title Policy Endorsements 101 – What Every Lender Needs to Know
Title Insurance 101: What You Need to Know About Title Insurance
The Impact of Rising Interest Rates on Long Term Rental/DSCR Loans
Closing Protection Letters: When And Why They Are Important
Dealing with Title Insurance on Cross-Collateralized Transactions
Cross-Collateral Loans: What Are They and How Do They Work?
Protecting Your Lien Priority from Mechanic's Liens
Debunking Myths about Loan Participations
How to Use a Personal Guaranty to Your Advantage
Negotiating Mechanic’s Lien Coverage for Construction Projects
Making the Leap from Fix and Flip Financing to Construction Lending
Construction Loan Considerations: 5 Best Practices for Lenders

Contact Our Banking & Finance Team

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