News & Analysis as of August 16, 2025

Loans

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

Top Five Things to Know About Borrowing Money for Gulf State Energy Financing

Adams & Reese on 6/13/2025

Oil and gas companies operating in the Gulf States frequently access financing to support their operations and exploration. The transactions involve unique legal complexities due to the nature of the industry and assets...more

Mortgage Loan Assumptions in Commercial Real Estate Purchase Agreements

Stoel Rives LLP on 5/2/2025

Interest rates remain stubbornly high, and the forecast for rate cuts remains unclear. In this environment, commercial real estate buyers may need to consider creative financing solutions. Typically, non-cash buyers will...more

What You Need to Know About Freddie Mac’s Recent Update

Miles & Stockbridge P.C. on 3/4/2025

Freddie Mac published last Thursday an update to the Freddie Mac Guide, which included a discussion of various underwriting, fraud detection and loan document changes. Here's what you need to know...more

Structured Finance Spectrum - Summer 2024

Alston & Bird on 8/7/2024

Welcome to the latest edition of the Spectrum, covering hot-topic issues in the structured finance markets in the U.S. and UK. This edition features the new UK securitization regime, eHELOCs, and climate risk disclosures....more

The “Art” of Negotiating a Commercial Real Estate Mortgage Loan Term Sheet

Tannenbaum Helpern Syracuse & Hirschtritt LLP on 2/24/2023

When a borrower is seeking real estate financing, there is invariably timing pressure to solidify a mortgage loan term sheet (on occasion, in the form of a loan commitment or loan application), so that the next steps in the...more

Acquiring Distressed Real Estate Mezzanine Debt: A Diligence Checklist

Pillsbury - Gravel2Gavel Construction & Real... on 11/17/2022

We recently discussed the importance of diligence when acquiring distressed commercial mortgage loans, providing a diligence checklist for the process. Given that any foreclosing mezzanine lender may step “into ownership” if...more

OCC Establishes New Third-Party Risk Management Expectations, Including for Bank Relationships With Marketplace Lenders

Troutman Pepper Locke on 2/22/2017

The bulletin requires relationships between banks and marketplace lenders to be treated with the same rigor of due diligence and ongoing oversight as other relationships with third parties. On January 24, the Office of...more

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