Our Finance and Banking attorneys provide counsel to community, regional, and national commercial banks, financial institutions, private investors, as well as commercial and residential borrowers. We have worked with numerous financial institutions providing complex representation representing Bank, Trustees, Borrowers or Municipalities. Additionally, our attorneys regularly handle matters involving securitized financing, mezzanine financing, 504 and 7A SBA loans, commercial mortgage back security and life insurance company financing. Our Finance and Banking attorneys work with clients throughout the various stages of the loan process, from initial negotiations, commitment letter, due diligence, and the drafting and negotiation of loan documents through loan closing, and even loan workouts. We seek to advise our clients concerning the structure of their financial transactions, the risks associated with the transaction and the applicable federal and state regulations relating to loans in an effort to protect their interests.
Home Mortgage Disclosure Act Proposes Fewer Financial Institutions Should Be Subject to Disclosure Requirements
by Stephen Perry on December 10, 2019 at 4:03 pm
The Home Mortgage Disclosure Act (the “HMDA”) requires certain types of financial institutions (e.g., banks, credit unions, savings associations, and other types of for-profit financial institutions) to collect and report specific loan-level information regarding home mortgage loans. Specifically, the HMDA requires these financial institutions to collect and report information regarding the home mortgage loan itself,
Florida Senate Bill 2430 Drastically Alters Documentary Stamp Tax Provision
by Stephen Perry on September 12, 2009 at 1:33 pm
Recently, Governor Crist approved Florida Senate Bill 2430 which amended Florida Statute 201.02 effective July 1, 2009. This newly enacted bill has drastically altered the documentary stamp tax provision of Florida Statute 201.02 by providing that effective July 1, 2009 conveyances of interests in “conduit entities” that occur within three years after the conveyance of
Our finance attorneys make a difference in many ways:
- we have successfully structured complex loan financing for interconnected residential subdivisions and large retail shopping centers;
- we provide lender representation in completing bond financing in multi-layered transactions;
- we have worked with clients in the completion of loan assumption agreements for the completion of complex commercial purchase agreements; and
- we have worked with small businesses to obtain SBA loans necessary to grow their business.
The complexities surrounding the residential and commercial construction industry require knowledge of construction contracts, construction liens, surety bonds, building codes, financing, insurance, construction defects, delays and disruptions, regulations such as OSHA and the Americans with Disabilities Act (ADA), wage and hours laws, permitting and land use. We provide legal services in resolving disputes concerning construction law including mediation, arbitration, and trial.