Banking & Finance

Why Us?

Geraci LLP is the nation’s largest law firm which solely focuses on non-conventional lending. The Banking and Finance team has nine highly skilled attorneys who focus on the preparation of transactional documents for mortgage professionals, along with providing loan compliance and loss mitigation advice.

There are three distinct disciplines within the Banking and Finance practice:

Document Preparation

If you are a lender, loan originator, or broker who needs nationwide loan documents, our 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.

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.

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.

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