Our team has over 35 years of lender and financing experience representing mortgage lenders for closings and refinances.
We represent institutional and private lenders in a wide range of real estate financing transactions. We draft and review loan documents, handle title clearance and lien verification, ensure escrow and closing procedures comply with all legal standards, and coordinate with all parties to protect lender interests through to post-closing.
We navigate the expectations, timelines, and risk profiles lenders face to ensure a streamlined closing.
Information about our lender and financing legal representation services, processes, and what to expect when working with our team.
We represent institutional and private lenders in a broad range of financing transactions, including residential purchase closings, refinances, CEMA (Consolidation, Extension, and Modification Agreement) transactions, home equity lines of credit, construction and renovation loans, loan modifications and extensions, and private notes and security instruments. Our team handles each closing with the same attention to detail regardless of loan size or complexity.
Our lender representation practice covers closings across New York State (not just New York City). Whether you need closing counsel in Manhattan, the Hudson Valley, Long Island, or upstate New York, our team can coordinate and execute. This statewide coverage makes us a practical choice for lenders who need consistent representation across multiple markets.
A CEMA (Consolidation, Extension, and Modification Agreement) is a mechanism available in New York that allows a borrower to consolidate an existing mortgage with a new loan, rather than paying off the old mortgage entirely. The primary benefit is a significant reduction in the mortgage recording tax. Instead of paying tax on the full new loan amount, the borrower only pays tax on the difference between the new and existing loan balances. For borrowers refinancing high-value properties, this can mean savings of tens of thousands of dollars. We handle CEMA transactions regularly for both institutional and private lenders.
Title clearance is a critical part of every financing transaction. Our team reviews title reports and surveys, identifies any defects, liens, or encumbrances that could affect the lender's security interest, and works to resolve these issues before closing. Common title issues include outstanding judgments, tax liens, open permits, and errors in prior conveyances. We coordinate with title companies, borrower's counsel, and other parties to clear exceptions efficiently and keep closings on schedule.
Yes. With 5,000+ transactions closed and a dedicated support team of paralegals and legal assistants, we're built to handle volume without sacrificing quality. We also work with per diem closers around the city to ensure every closing deadline is met. We understand that lenders operate on tight timelines and need counsel who can be responsive, organized, and reliable across multiple concurrent closings.
We serve as the central point of coordination for the lender's side of the closing. This includes working directly with the title company on scheduling and document preparation, communicating with borrower's counsel on outstanding conditions and timing, ensuring all loan documents are properly executed and recorded, and managing post-closing deliverables. Our goal is to make the closing process as smooth and predictable as possible for our lender clients.
One of our team members will respond within 24 business hours.