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Mortgages › Financing

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 +
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 uses that property as collateral for the loan. less -
Carey Olsen

Buying property in the Cayman Islands

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Buying property in the Cayman Islands has many benefits. With limited restrictions on foreign ownership of property, no local income, capital gains, or annual property taxes, year-round sunshine and beautiful crystal-clear...more

Allen Matkins

What will be the big trends in commercial real estate in 2025 related to financing and capital markets?

Allen Matkins on

Real estate lending will continue to be impacted by elevated interest rates, limited borrowing capacities, and slow transaction volumes. Floating-rate debt will likely be the chosen option by borrowers. Additionally,...more

International Lawyers Network

Buying and Selling Real Estate in Massachusetts (Updated)

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KEY FACTS OF REAL ESTATE ACQUISITIONS UNDER MASSACHUSETTS LAW - I. STANDARD FORMS OF AGREEMENTS - A. Offer to Purchase sets forth buyer’s offer of price, date for closing, contingencies for inspections, financing etc....more

International Lawyers Network

Buying and Selling Real Estate in Hong Kong (Updated)

International Lawyers Network on

KEY FACTS OF REAL ESTATE ACQUISITIONS UNDER HONG KONG LAW - Introduction - Hong Kong is one of the most densely populated cities over the world. Due to historical reasons, almost all lands in Hong Kong are leasehold...more

Alston & Bird

VA Issues Guidance on Processing Assumptions with Secondary Financing

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What Happened? On August 11, 2024 the Department of Veterans Affairs (the “VA”) released Circular 26-24-17, clarifying how a servicer should process an assumption when there is secondary financing.  Significantly, the VA...more

Alston & Bird

Consumer Finance State Roundup - August 2024

Alston & Bird on

The latest edition of the Consumer Finance State Roundup highlights three recently enacted measures of potential interest from California, Missouri, and North Carolina....more

Harris Beach Murtha PLLC

What I Saw (and Heard) at the ACMA Conference

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My practice focuses on commercial real estate finance and working with lenders financing commercial real estate projects throughout the United States. A highlight of my professional calendar is the annual meeting of the...more

Goodwin

Tougher Standards for Certain Home Improvement Loans

Goodwin on

On May 1, 2023, the Consumer Financial Protection Bureau (CFPB) issued a report and a proposed rule to clarify and strengthen its regulation of so-called Property Assessed Clean Energy (PACE) financing. PACE financing is...more

Dinsmore & Shohl LLP

TPA Tricks of the Trade: A Lawyer’s Perspective

Dinsmore & Shohl LLP on

Borrowers who go through the process of obtaining an FHA-insured multifamily loan generally come to the same conclusion: the juice is worth the squeeze.  At the end of the day, they get to enjoy a unique blend of benefits (35...more

Orrick, Herrington & Sutcliffe LLP

DOJ settles with bank for $31 million to resolve alleged redlining allegations

Orrick, Herrington & Sutcliffe LLP on

On January 12, the DOJ announced a more than $31 million settlement with a national bank over redlining allegations. Calling the action the largest redlining settlement agreement in the department’s history...more

Foley & Lardner LLP

New Freddie Mac Underwriting Guidelines for Condominium and Cooperative Projects

Foley & Lardner LLP on

If you develop or manage condominium or cooperative projects, you need to be aware of new Freddie Mac underwriting requirements - Freddie Mac has promulgated new temporary underwriting requirements for mortgages secured...more

International Lawyers Network

Buying and Selling Real Estate in Hong Kong (Updated)

International Lawyers Network on

KEY FACTS OF REAL ESTATE ACQUISITIONS UNDER HONG KONG LAW - Introduction - Hong Kong is one of the most densely populated cities over the world. Due to historical reasons, almost all lands in Hong Kong are leasehold...more

King & Spalding

Best Practices for Security and Perfection of Digital Infrastructure Assets

King & Spalding on

The structured finance sector has seen an expansion of digital infrastructure asset classes and related financings. Digital infrastructure asset classes have grown to include data centers, wireless towers, distributed...more

Cadwalader, Wickersham & Taft LLP

New York Assembly Sponsored Legislation Proposes New Tax on Mezzanine Debt and Preferred Equity

Cadwalader, Wickersham & Taft LLP on

Assembly Bill A3139 was introduced by Assembly Member Harvey Epstein on January 22, 2021. The bill is currently in committee but, if enacted, it will amend New York’s Real Property Law and Tax Law to require the recording of...more

International Lawyers Network

Buying and Selling Real Estate in Hong Kong (Updated)

International Lawyers Network on

KEY FACTS OF REAL ESTATE ACQUISITIONS UNDER HONG KONG LAW - Introduction - Hong Kong is one of the most densely populated cities over the world. With very little available land, real estate developers tend to build...more

Ballard Spahr LLP

Industry Trade Groups Respond to FHFA Request for Input on PACE Transactions

Ballard Spahr LLP on

In January 2020 the Federal Housing Finance Agency (FHFA) published a request for input on Property Assessed Clean Energy (PACE) transactions involving residential property. ...more

International Lawyers Network

Buying And Selling Real Estate In Hong Kong (Updated)

International Lawyers Network on

KEY FACTS OF REAL ESTATE ACQUISITIONS UNDER HONG KONG LAW - Introduction - Hong Kong is one of the most densely populated cities over the world. With very little available land, real estate developers tend to build...more

Snell & Wilmer

Financing Real Estate Projects in Los Cabos, Mexico

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The development of real estate projects, including hotels and master planned communities in Los Cabos and other places in Mexico, commonly requires financing by banks and other institutional lenders. This article presents an...more

White and Williams LLP

Liquidity in Today’s Economy

White and Williams LLP on

I recently was chatting with a residential mortgage broker and learned that conventional mortgages, those that qualify for purchase by Fannie Mae, carry a higher interest rate than “jumbo” mortgages, those that are too large...more

Tucker Arensberg, P.C.

Considering Purchasing a Condo Unit But Worried About Financing?

Tucker Arensberg, P.C. on

Have you considered purchasing a condominium unit but were scared off when someone warned you that obtaining a mortgage loan could be difficult?  It seems like most real estate professionals have war stories about seemingly...more

Ballard Spahr LLP

OCC and FDIC issue joint proposal to revise CRA regulations

Ballard Spahr LLP on

The OCC and FDIC have issued a joint proposal to revise their regulations implementing the Community Reinvestment Act (CRA).  Although the Federal Reserve, OCC and FDIC, are the primary CRA regulators, the Fed did not join...more

Robins Kaplan LLP

Financial Daily Dose 12.18.2019 | Top Story: Fiat Chrysler and Peugeot Boards Agree to $50 Billion Merger

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Fiat Chrysler and rival Peugeot have agreed to binding merger terms that, if approved by US and European regulators, would create a “$50 billion auto giant that would rank among the world’s largest car companies by sales”....more

White and Williams LLP

PACE Loan Considerations for Commercial Real Estate Lenders

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Property Assessed Clean Energy (PACE) loans provide property owners with financing for “green” improvements designed to increase energy efficiency, water conservation, disaster resiliency and renewable energy solutions. PACE...more

Ballard Spahr LLP

HUD rolls back PACE financing in single family FHA deals

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In July 2016 HUD issued guidance on the use of Property Assessed Clean Energy (PACE) assessments for single family properties with FHA-insured mortgages. In January 2017, HUD followed with guidance on the use of PACE...more

Orrick, Herrington & Sutcliffe LLP

Orrick's Financial Industry Week In Review

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CFTC Statement on Self-Certification of Bitcoin Products by CME, CFE and Cantor Exchange - On December 1, 2017, the Commodity Futures Trading Commission ("CFTC") issued a Statement on the Self-Certification of Bitcoin...more

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