Practice areas
Banking & Mortgage Attorney in Vero Beach, Florida
Loan documents are written by lenders and can be difficult to navigate. My years as corporate counsel gave me extensive experience with lending agreements, and my practice today focuses on helping individuals and businesses understand exactly what they're signing.
Whether you're financing a purchase, refinancing, or working through difficulty on an existing loan, I'll make sure you understand the terms before you're bound by them.
Charles H. Sanford, Esq.
What we handle
Loan document review
Mortgages, notes, and guarantees explained before you're bound by them.
Refinancing and modifications
Reviewing terms so the new deal actually improves on the old one.
Lender negotiations and workouts
Practical help when a loan runs into trouble, aimed at a workable resolution.
Closing representation
Attorney representation at mortgage closings, coordinated with title and closing services.
Common questions
The bank says these documents are standard. Should I still have them reviewed?
Loan packages are standard in the sense that they're written to protect the lender. Most reviews don't change the deal, but they ensure you understand it, and occasionally they catch something important.
What's a personal guarantee, and should I sign one?
It means that if the business can't pay, you personally will, potentially including your home and savings. Sometimes it's unavoidable, but you should never sign one without understanding it fully.
Related practice areas
Schedule a consultation
Tell us what's going on, and we'll give you an honest assessment of your situation and what it would cost. There's no obligation, and nothing to prepare.