Mortgage Attorneys can help you obtain mortgage financing, title insurance and represent and protect your rights at closing.

Looking for the right mortgage to buy or refinance a property is a decision that requires careful consideration. Who can you trust for your best chances of a smooth and on time real estate transaction? Most lenders are commissioned, and as such, their services and fees vary according to the size and type of your mortgage loan. This will likely cost you thousands of dollars at closing in the form of high lender fees and a higher mortgage interest rate than you may have otherwise qualified for. Banks, mortgage companies and credit unions earn hidden fees paid by the wholesale lender (i.e., Fannie Mae, Freddie Mac, FHA, and VA) in the form of “Yield Spread Premiums” which are paid to these companies at closing, usually without the knowledge of the borrower. The higher the interest rate that is “sold” to the borrower, the higher the yield spread premium. Thus banks, mortgage companies, and credit unions are likely motivated by commissions rather than the borrower's best interests.

Mortgage Law Attorneys have the legal and ethical obligation to represent your best interests in all aspects of your real estate transaction. Because of our relationship with wholesale lenders, this office can provide lower interest rates than you would receive through a retail loan officer or a mortgage broker. These individuals earn extra fees by selling the loan to you at higher rates than their organization buys them for. As attorneys, we bypass the commissioned loan officer and offer the ultimate mortgage product at the wholesale rate. With the benefit of counsel you will have the confidence that you made an informed decision regarding your mortgage by receiving unbiased, uncomissioned advice from a lawyer.

To help us serve you better, please complete this form and click submit. You can also mail the form to Richard S. Gendler & Associates, P.A., 2828 Coral Way, Miami, Florida 33145 or fax to us at 305-444-1075.