For Community Bankers…

I was general counsel for a community bank for more than 12 years. That experience, combined with my more than 15 years in private legal practice, plus 6 years in public accounting, enables me to provide sound cost-effective services to meet the legal needs of community banks throughout the state of Texas.


Commercial Real Estate Loan DocumentationCommercial Real Estate Loan Documentation

Community banks remain an important source of commercial real estate loans, even in this unprecedented era of ever increasing bank regulation and consolidation. I have been preparing commercial real estate loan packages for over 12 years.

I negotiate and draft commercial real estate loan packages for community banks at reasonable rates.  My packages include acquisition loans, construction loans, refinances, and assumption loans.  Each package is individually tailored for the facts and circumstances of each loan.  Loan documents include, but are not limited to:

  • Closing instructions
  • Promissory Note (real estate lien, term, revolving, etc.)
  • Deed of Trust
  • Collateral Assignment of Rents and Leases
  • Security Agreement
  • Guaranty Agreement(s)
  • Entity authorization documents
  • Loan Agreement
  • Disclosures, certifications, etc.
  • Affidavits, Indemnities
  • Subordination, Non-Disturbance and Attornment Agreement
  • UCC and W-9 forms
  • Deed (Special, General, Assumption)
  • Other documents as needed or requested

Services include interaction with title companies and others involved in the transaction, review of title commitments.  I work closely with the loan officer and others at the bank, the title company and others by assisting with issues that may arise in the course of the transaction.

In addition to loan origination documents, I prepare forbearance agreements, modifications and renewals; review of post-loan plats, easements, condemnations and other instruments affecting the bank’s collateral, and the corresponding lien subordination agreement and other instruments as needed.
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