Loan Documentation Services
Loan Docs for Business Purpose Loans, Business Purpose Construction Loans, Seller Carryback Credit Sale Financing, All-Inclusive Trust Deeds, Private Money Reverse Mortgages, and Other Commercial Lending Transactions
Doss Law prepares loan documents for business purpose loans, business purpose construction loans, seller carryback credit sale financing, all-inclusive trust deeds, private money reverse mortgages, and other commercial lending transactions. We analyze the loan scenario, licensing compliance, entity authority, custom terms, disclosures, title protections, and borrower revisions.
Request a Quote
To request a quote, complete the Loan Submittal Form, available in two formats: online or PDF. The borrower pays our fee. We represent only our client’s interests.
Loan Documentation Built on 48+ Years of Lending Experience
When the loan docs protect the deal, experience matters.
Doss Law brings 48+ years of mortgage lending experience to loan documentation, including work tied to more than $1 billion in funded deals and transactional mortgage law matters.
Loan Scenario Analysis
Starts with the loan.
Business purpose analysis, consumer-purpose concerns, and applicable law review.
Licensing and Compliance
Knows the rules.
Review of the loan structure, licensing needs, and applicable lending rules.
Authority & Deal Terms
Gets the details right.
Review of borrower authority, signature blocks, custom terms, and deal-structure provisions.
Docs & Collateral
Protects the deal.
Loan docs, disclosures, title, collateral, and post-funding documents tied to the transaction.
When the Stakes Are High, the Right Witness Matters
The right witness clarifies the facts. The wrong one gives the other side openings.
Christopher J. Donovan, Esq.
Christopher J. Donovan, Esq. is a recognized authority in mortgage law and real estate finance matters involving private lending, business-purpose lending, disclosures, underwriting, brokerage-related issues, and DRE and DFPI matters. That standing is reflected not only in his day-to-day work, but also in outcomes such as a successful challenge to a Department of Real Estate position on owner-occupied business-purpose loans that resulted in withdrawal of the enforcement action.
He is regularly invited by organizations such as the California Mortgage Association, American Association of Private Lenders, National Private Lenders Association, and American Lending Conference to speak, teach, and publish on topics including usury, business-purpose lending, private lending compliance, underwriting, and broker relationships. Those invitations reflect not only the depth of his work, but the industry’s trust in his judgment on mortgage law and real estate finance issues.
Confirming the Loan Structure
The loan structure drives the documentation.
Doss Law analyzes the loan scenario before the loan docs are finalized, including whether the loan is business purpose or consumer purpose, whether a lender or broker license is needed, and whether the deal terms comply with applicable lending laws.
This review may include unlicensed loans, DRE broker-arranged loans, CFL lender loans, CRMLA loans, business purpose exemption issues, DRE LTV restrictions, DRE construction rules, multi-lender issues, borrower vesting, identity theft risks, probate lending, and securities exemptions.
Loan Docs That Match the Deal
The documents should reflect the transaction.
If the borrower is an entity, Doss Law reviews the entity documents to determine proper signature authority and create properly titled signature blocks. Doss Law also drafts custom terms and helps structure the deal, including extensions, release provisions, cannabis provisions, paydown requirements, exit fees, guarantees, cross-collateralization, and cross-default provisions.
How It Works
Initial Consultation
Discuss the loan, timing, scope, and whether the matter is suitable for retention.
Engagement Letter
Engagement is formalized through an engagement letter, and scope is confirmed.
Transaction Review
Review the loan scenario, deal terms, entity documents, disclosures, title, collateral, and applicable lending rules.
LoanDocumentation
Draft loan docs, custom terms, disclosures, signature blocks, and related mortgage documents based on the transaction.
Revisions & Additional Docs
Address borrower or borrower-counsel revisions, finalize documents for signing, and draft additional mortgage documents after funding.
Title, Disclosures, and Collateral Protection
The loan file needs more than a note and deed of trust.
Doss Law helps determine which documents, disclosures, title endorsements, and protections should be included in the transaction. This may include Schedule B Exceptions, junior mortgage protections, environmental indemnities, subordination non-disturbance and attornment agreements, subordination agreements, intercreditor agreements, accommodation deeds of trust, guaranty deeds of trust, security agreements, and UCC-1 filings when applicable.
When collateral involves personal property, LLC membership interests, or corporation shares, Doss Law can add the appropriate security agreements.
Revisions and Post-Funding
Borrower revisions should not weaken the deal.
Borrower and borrower-counsel revisions can affect the protections built into the loan docs. Doss Law addresses those revisions so the documents stay tied to the deal.
After funding, Doss Law drafts additional mortgage documents, including loan modification agreements, extension agreements, forbearance agreements, pre-negotiation agreements, loan default letters, and transfer consent and assumption agreements.
Ready to Request a Quote for Attorney-Drafted Loan Docs?
To request a quote for Doss Law attorney-drafted loan docs, please start by completing our brief request form.
Once you submit the form, we will email you instructions outlining the loan information and documents we need from you to determine whether the matter is suitable for retention. If it is suitable, we will send you a quote.
The borrower pays our fee. We represent only our client’s interests.
Important Attorney Drafted Loan Docs Quote Information (click to expand and read)
With more than 48 years of mortgage lending experience, Doss Law provides Attorney Drafted Loan Docs in all 50 states, helping clients save time, reduce exposure, and better protect their interests.
Our business model is different from other law firms that provide “Attorney Drafted Loan Docs” in our industry. Most other law firms use unlicensed loan processors to draft loan docs, and you may not work with an attorney at all even though you are paying to work with one. Many also use a round-robin system, so you work with a different person each time.
At Doss Law, an experienced attorney will draft your loan docs to protect you as much as possible, and you will usually work with the same attorney each time. You get representation from an actual attorney, better loan docs, and the borrower pays our fee.
Our Attorney Drafted Loan Docs start at $2,500 and go up from there depending upon loan size and complexity. The borrower pays our fee, and we only represent your interests. Once our fee is paid and we receive everything needed to complete the loan docs, we will complete the first draft within 2–3 business days.
Once we receive everything from you, we will quote you a price to draft the loan docs. After our quote is accepted, we will send the borrower a link to pay our fee in advance. Our clients prefer when borrowers prepay our fee because it shows commitment by the borrower that they are not shopping you and you don’t have any risk if the borrower was shopping you, misled you, or the deal falls apart for any other reason. Our fee could increase at our normal hourly rates if deal terms change, there are unforeseeable issues, and/or if the borrower’s legal counsel (or borrower) requests changes to our widely used loan documents.
To prepare an accurate quote, we will need specific information about the loan, the borrower, and the property. Please complete the form below with all required fields.
Note there are several supporting documents needed. Please ensure you have them prepared for uploading.
FAQs
The FAQs cover the questions lenders and brokers ask most about attorney-drafted loan documents. For more detail on our process, documentation review, title/disclosure protection, and post-funding support, review the full Loan Documentation Services page.
Have a deal in motion?
Click each question below to expand the answer.
This has never happened in 48+ years at Doss Law. All parties should feel more secure. Borrowers recognize the value of having professionally prepared loan documents and rarely object to the cost. Your investors will feel more at ease too.
Every deal is different. At Doss Law we consider the size of the deal, its complexity, and your timing requirements. We provide an all-inclusive fixed fee quote that includes redraws and corrections. The larger the loan, the greater your exposure and need for another pair of legally trained eyes on the transaction.
The borrower pays our fee. We represent only our client’s interests.
Absolutely not. At Doss Law we will complete the first draft of your loan docs 2-3 business days after you accept our quote and send us everything we need. In a pinch, we may be able to complete them faster or even in the same day. Revisions are usually made the same day.
Strong loan documentation does more than define the deal terms. It helps confirm compliance and entity authority, properly secures the collateral, and establishes the lender’s rights if the loan is later modified, challenged, or goes into default.
At Doss Law, we draft loan documents for the closing and with defensibility in mind from the start.
→ When the Personal Guaranty Is Put to the Test
See the mistakes that can weaken a guaranty when a lender needs to enforce it.
→ When the Default Interest Provision in the Docs Is Challenged
See how the Honchariw decision changed the treatment of default interest and why the language in the loan documents matters after default.
→ When Broker Agency Becomes a Liability Issue
See why documenting agency matters when the agency relationship is challenged.
Professional loan documentation includes analyzing the loan scenario, reviewing licensing and compliance requirements, confirming signature authority, drafting custom terms, recommending proper disclosures and title protections, and handling revisions from the borrower or their counsel. After funding, it can also include modification agreements, extensions, forbearance documents, and other post-closing instruments.
Business purpose loans are used for business or investment purposes. Consumer purpose loans are for personal, family, or household use. Proper documentation is critical because business purpose loans are generally exempt from many consumer protection laws like TILA and RESPA. Doss Law carefully analyzes each transaction to help maintain the business purpose classification.
How do you document borrower intent?
For transactions where business purpose or occupancy may later be questioned, DossLock™ creates a recorded borrower interview designed to document purpose, intent and understanding before the loan closes.
See why the actual purpose of the loan matters more than the collateral type.
→ When Owner-Occupied Still Means Business Purpose
See what happened when the DRE treated an owner-occupied business-purpose loan as consumer, Doss Law fought the ruling and got the charges dismissed.
→ When Getting “Business Purpose” Wrong Can Become a Felony
See how California AB 3108 raises the stakes for lenders and brokers who knowingly document consumer-purpose loans as business purpose.
Contact Us to Schedule a Consultation
At Doss Law, we offer a consultation during which we will discuss your matter and determine whether it is suitable for retention.
Please complete the form and a member of the Doss Law team will reach out to schedule your consultation at a time that works best.
