Mortgage Law

Buying a home or a commercial property can be one of the biggest investments a person ever makes. While much time is spent finding the right property at the right price, that is only half the battle. The next battle comes in working out the particulars of a given mortgage. Many people work diligently to find the right property but then don’t do their homework when it comes time to work out the mortgage. A South Florida mortgage law attorney can help with this important negotiation and get you the best terms possible.

The terms of real estate financing are as important as the terms of the acquisition. We use our extensive experience to assist clients in negotiating and obtaining loan documents from the lender with the best possible terms for our clients.

Because even a small change in an interest rate can result in a difference of tens of thousands of dollars over the life of a mortgage, it is very beneficial to have a South Florida mortgage law lawyer review the terms before you sign the agreement. Because a borrower may have little experience negotiating the terms of a financing agreement, they are at the mercy of the lender when it comes to finalizing the terms of a loan. The expertise of Schecter Law can level the playing field ensuring that you get the best possible terms for your mortgage.

Not only can the interest rate be negotiated but so can the upfront costs depending on what you need as a borrower. Some people may want a mortgage with more points to lower their interest rate while some would rather pay less up front and pay more throughout the loan when they are on more secure financial footing. Our South Florida mortgage law attorneys can negotiate the terms you want to find a mortgage that meets your financial demands.

Schecter Law handles transactions across the spectrum of real estate financing, including, construction, conduit, mini-perm and permanent financing. We are also involved in the financing for acquisition and sales, leasing, syndication, joint venture, and sale-lease back matters. At Schecter Law we routinely represent, counsel, and advise our clients for the structuring of commercial and residential real estate loan transactions.

Our South Florida mortgage law lawyers utilize the team approach because we believe that collaboration enhances the quality of service to our clients, and adds value to our representation. Our attorneys bring insightful legal analysis and hard work in every aspect of your case. We dedicate detailed and in-depth attention and analysis to all of our cases at a level that surpasses the big firms, but with legal fees that do not. This allows you to save money while sacrificing nothing in terms of expertise or quality of representation. We take great pride in our client satisfaction and in fostering a level of trust through open communication.

Learn more about our Core Values and The Schecter Law Advantage. Our South Florida mortgage law lawyers are committed to our clients as we are to their cases.  Your phone calls are returned promptly; the lawyer assigned to your file is directly accountable to you; and, you will always be able to contact the partner in charge directly, without any buffers.

This advice includes the negotiation and review of the lender’s commitment letter as well as the negotiation and review of the financing documents, including:

  • Construction Loan Agreements
  • Loan Agreements
  • Mortgages
  • Opinion Letters of Counsel
  • Permanent Loan Agreements
  • Promissory Notes
  • Security Agreements
  • Shareholder Agreements
  • Third Party Contracts
  • UCC-1 Financing Statements