Deal counsel built for
your whole loan trades.
A whole-loan trade may look finished when the wire clears, but its legal risks survive settlement
for many years to come. We factor those risks into your bid, paper those protections into your contracts,
and construct every closing condition while the leverage is still on your side of the table.
Insightful legal guidance from pre‑bid to post‑close.
Every whole-loan trade moves through a sequence of decisions that can sharpen the bargain, strengthen the contracts, or shift the risk. We guide our clients through each stage of the trade lifecycle with practical advice backed by actionable intelligence… drafting the contracts, managing the transaction, and protecting the deal from pre-bid to post-close.
Trade Confirmation
We kick-off every deal on the right foot by drafting and negotiating a letter of intent that strikes best-execution deal terms, reflects favored-nation legal protections, and aligns all trade parties’ transactional expectations. Every open point stays on the record with the position behind it, the party who owes the answer, and the date it is owed, so nothing quietly re-trades between the term sheet and the signature.
Asset Diligence
Document defects do not stay buried in the loan file; they surface in diligence, where one broken endorsement chain, missing assignment, title defect, or lost-note posture can delay the closing, discount the bid, or compromise the collateral. Our Curative Document Solutions examine, classify, and prioritize each defect before funding, then turn each finding into the right cure or the right deal protection while the leverage is still on your side of the table.
Transaction Documentation
We leverage the breadth of our industry expertise and mine the depth of our transactional experience to draft and negotiate purchase agreements, servicing agreements, custodial agreements, assignment agreements, and all other contracts needed to get the deal done right. The architecture of risk is negotiated line by line — representations, remedies, survival, and caps — and the executed agreement is read once more to draw the conditions it creates, so the document that closes the trade is the document that defends it.
Trade Settlement
Our DealGPS® Transaction Management System intelligently analyzes dozens of data points in real time to ensure each deal stays on track to close on time and all credit approvals and legal conditions are satisfied before any settlement is cleared or any funds are wired. Each condition carries a named owner and a date, and the clearance is recorded as it happens — conditions met, waivers granted, funds released in sequence — so the settlement is documented while it is being made rather than reconstructed after the wire.
Post-close Contingencies
Closing is not the finish line; it’s the starting line… the beginning of a life-of-loan tail in which one incorrect representation, one outdated covenant, or one untested clause can still cost real money. We remain on-call and at-the-ready 24/7/365 to resolve legal issues involving loan servicing, repurchase requests, indemnification demands, borrower delinquencies, subsequent transfers, contractual breaches, and other events that arise days, months, or years after settlement.
- Thru T+60Servicing TransferIssues
- Thru T+120EPO & EPDEvents
- Thru T+365Trailing DocumentRecovery
- T+∞Breach, Repurchase, &Indemnification Demands
