Our firm acts as outside counsel to financial institutions, with responsibility for a wide range of matters, including operations, commercial, and regulatory issues. With respect to commercial activities, we provide advice in loan structuring, including negotiation and documentation of real estate and asset based loans. The real estate loans include first and second mortgages, leasehold mortgages, wraparound mortgages, construction loans, and the purchase and sale of participation interest in loans. We also review and document consumer and real estate home loans to assure compliance with applicable lending regulations. We provide advice regarding account questions and other operational issues. We work closely with management to resolve loan defaults. If necessary, we institute appropriate proceedings to protect the institution's interests under a defaulted loan, including foreclosure actions, contract forfeitures,actions under guarantees, and UCC remedies. We also counsel our clients regarding regulatory and compliance matters.