Real Estate Finance

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Mortgage lenders, loan servicers, and borrowers frequently require creative, nimble responses to market conditions and regulatory changes, as well as to issues related to unusual property conditions. Meeting these challenges requires guidance from lawyers with real estate acumen, industry insight, and extensive finance experience. Dickinson Wright delivers all three, providing proactive advice to both borrowers and lenders in all aspects of real estate financing transactions.

Comprehensive Finance Counsel

With offices across the United States and in Canada, we represent borrowers and lenders in each market and across borders, helping them to navigate all aspects of even the most complex financing transactions. Our clients include state and national banks, life insurance companies, governmental subdivisions and agencies, and other institutional lenders, along with real estate investment trusts (REITs), developers, loan servicers, mezzanine financiers, and investors. All told, we have advised on thousands of secured loans representing billions of dollars.

The collective experience of our real estate finance team in banking and  finance, CMBS loansinsurance, workouts and restructurings, insolvency, and tax allows us to provide strategic counsel at each phase of the deal and in every kind of loan arrangement:

• Conventional commercial mortgage loans
• Middle-market and large corporate loans
• Construction loans
• Sale-leaseback transactions
• Ground leases
• Capital markets and commercial mortgage-backed securities loans
• Mezzanine financing
• Subordinated and convertible debt
• Credit-enhancement instruments
• Bond and tax-exempt financing
• Fannie Mae, Freddie Mac, HUD multifamily, and manufactured housing loans

Our experience with the properties at the center of those transactions further demonstrates our depth and breadth:

• Industrial facilities
• Residential developments and multifamily housing
• Condominiums and apartment buildings
• Manufactured housing
• Retail shopping centers and regional malls
• Mixed-use facilities
• Hotel and casino properties
• Landfills and waste treatment facilities
• Assisted and independent living facilities
• Hospitals, medical complexes, and nursing homes
• Solar and wind farms

In addition, Dickinson Wright has developed proprietary transaction management tools and document automation software that enables us to deliver cost-effective, efficient service. We also counsel lenders on licensing and regulatory compliance, negotiate correspondent relationships, and implement and manage national lending programs including 50-state-compliant loan documentation.

When commercial lending disagreements arise, we represent clients in loan modifications, asset recovery, dispositions, workouts, restructuring, foreclosures, and deeds in lieu. If litigation cannot be avoided, our lawyers appear in state, provincial, and federal courts and dispute resolution forums to pursue and protect clients’ interests.

Industry Leadership

Dickinson Wright lawyers are active in numerous industry and professional organizations, such as the Mortgage Bankers Association, Commercial Real Estate Finance Council, Mortgage Industry Standards Maintenance Organization, the American College of Mortgage Attorneys, and the American College of Real Estate Lawyers. We frequently speak at conferences and publish articles on topics that reflect our knowledge and thought leadership in this area.

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