Mortgage Lending and Compliance Group
Black, Mann & Graham, L.L.P. has drawn in excess of 800,000 residential mortgage loan packages since our inception in 1997. More than 250 financial institutions, federal and state chartered banks, mortgage bankers, brokers and credit unions rely on our expertise for quick, accurate, and compliant residential mortgage closing documents throughout the United States. Our Mortgage Lending and Compliance Group offers the following services:
Residential Mortgage Document Preparation in all 50 states and the District of Columbia
Our exclusive systems, experience, and dedication to customer service help our clients succeed. Our clients enjoy the following benefits by engaging us to prepare their residential mortgage documents:
SecureOnlineDocs.com- Our exclusive web-based electronic document delivery system enables us to deliver documents directly to the title company or lender with enhanced efficiency and security by utilization of 128-bit SSL encryption technology coupled with our secure proprietary communication methods.
JetDocs.com- Our exclusive loan origination software interface helps our clients transact at enhanced speed by taking advantage of our mortgage technology. Through an online portal, our clients utilize this site to:
- effortlessly interface with their specific loan origination software
- verify and edit any loan information prior to submission of document preparation requests
- track their loans from the document creation to delivery
- ensure the security of sensitive information by utilizing 128-bit SSL encryption technology
We have software interfaces for most loan origination systems. If we don't have an interface with a current system, our in-house computer programming department can build a custom interface for most programs.
Closing Express- Our exclusive nationwide residential mortgage loan document preparation software is used by our clients, and even our competitors, for drawing state and federally compliant at-settlement loan packages. Our packages include all required disclosures and are compliant with secondary mortgage market requirements. Custom packages are available upon request.
Loan Fulfillment Services
Our client’s regularly rely on our loan fulfillment services so they can focus on marketing and business strategies and growth, instead of detailed and expensive back office operations. Our mortgage fulfillment services include:
- Clearing all pre-closing, closing and funding conditions
- Preparing loan documents to client’s specifications
- HUD-1 Review and Approval
- Ordering the Wire
- Funding
- Monitoring Trailing Documents
- Clearing stipulations and deficiencies
- Shipping and stacking the closed loan package in accordance with the investor’s requirements
Mortgage Law Compliance
Experience matters when mortgage law questions arise. The attorneys at Black, Mann, and Graham, L.L.P. have over 200 years of combined legal experience. Many of our attorneys were executives at large mortgage companies, former general counsel to large lending institutions, judicial clerks, and have even aided in the drafting of instrumental legislation affecting mortgage law. Our attorneys are leaders in the field of mortgage law and regularly teach mortgage professionals about changes affecting the mortgage industry.
Our attorneys are prominent authorities on state and federal law and regulations affecting mortgage lending, including:
- Equal Credit Opportunity Act (ECOA) and Regulation B
- Fair Housing Act (FHA)
- Community Reinvestment Act (CRA)
- Home Mortgage Disclosure Act (HMDA)
- Home Ownership and Equity Protection Act (HOEPA)
- Homeowners Protection Act
- Servicemembers Civil Relief Act (SCRA)
- Truth in Lending Act (TILA)
- Real Estate Settlement Procedures Act and Regulation Z
- Fair Credit Reporting Act – Notice Requirements
- Fair Debt Collections Practices Act
- State and local fair and anti-predatory lending laws and regulations
- Texas Constitution, Article XVI, §50(a) (Texas Home Equity Loans)
- Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank)
- Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)
- Texas Foreclosure Law
Please see our
Articles section for treatises, articles, memos, and videos on changes affecting mortgage lending. Additionally, our attorneys regularly advise our clients on secondary mortgage market requirements in order to facilitate our client’s loans for purchase.
Title Operations Group
Our Title Operations Group consists of Shawn P. Black & Associates, L.L.P., Fee Attorneys for Stewart Title and First American Title. Members of this section have managed real estate sections at large law firms, and regularly handle complex title insurance matters, including sizeable commercial transactions. Our team of professionals work together to provide excellent customer service coupled with the professionalism and expertise expected from a nationally recognized title insurance company, including:
- A full service title insurance company offering a complete range of services covering residential, commercial, new construction, and reo transactions.
- Exceptional team of escrow officers with years of experience in the title and mortgage industries.
- Flexibility of mobile closings at no additional charge.
Mobile closing services are available in the following Texas counties: Harris, Fort Bend, Galveston, Brazoria, Montgomery, Liberty, Tarrant, Dallas, Collin, Parker, Johnson, Kaufman, Denton, Travis, Bexar, and surrounding counties. We have title operations offices in Houston, Webster and Flower Mound, Texas. See our Title Operations Group’s
website for further details.
Litigation Group
Our litigators and trial lawyers assist clients, both large and small, in effectively and diligently resolving conflicts. Members of this section have previously served as general counsel to the Federal Home Loan Bank of Dallas, served as litigation counsel to the FDIC, represented various state and federal entities in both state and federal courts, and have successfully tried cases to verdict.
Our Litigation Group regularly defends Fortune 500 banks, lending institutions, and mortgage brokers in matters involving allegations of deceptive trade practices, fraud, fair and responsible lending, false statements, false claims, breach of contract, and breach of fiduciary duties, as well as other alleged violations of laws and regulations pertaining to the mortgage industry.
Black, Mann & Graham, L.L.P. also represents clients in civil litigation matters pertaining to:
- Texas Home Equity Loans
- Texas Mortgage Foreclosures
- Real Estate
- Fraud and Deceptive Practices
- Title Insurance
- Business Disputes
- Contracts
- Secured Lending
- Financial Services
- Commercial Debt Collection
Our Litigation Group excels in resolving disputes because they are committed to prepare for trial to judge or jury from day one. When results matter, count on Black, Mann & Graham, L.L.P. to get the job done.
Business and Corporate Group
Our Business and Corporate Practice Group provides a wide range of corporate services, including:
- Formation of all types of business entities (corporations, partnerships, limited partnerships, limited liability companies, and professional corporations)
- Daily operational matters, including general contract preparation and review
- Corporate record maintenance
We also have experience with matters dealing with mergers and acquisitions of business entities, including asset acquisitions, stock acquisitions, and reorganizations.
Real Estate Transactions Group
Our Real Estate Transactions Group represents various clients in a variety of residential and commercial real estate transaction matters. Our real estate attorneys regularly structure, negotiate, and document real estate transactions, including various aspects of:
- Acquisition
- Development
- Ownership
- Leasing
- Construction
- Purchase and Sale of Commercial Real Estate
- Commercial Landlord-Tenant Matters
- Commercial Financing
Our Real Estate Transactions Group also works with our business attorneys in forming entities for the ownership, operation, development, and management of commercial real estate, including joint ventures, general partnerships, limited partnerships, limited liability companies, and corporations.
Real Estate Default Group
Our Real Estate Default Group represents creditors throughout Texas regarding their default servicing needs, including:
- Judicial and Non-Judicial Foreclosure, including Texas Home Equity Loans
- Nationwide Mortgage Loan Modifications
- Evictions
- Bankruptcy
- Title Issues
- REO Disposition
- Complex Contested Foreclosures
- Deeds In Lieu of Foreclosure
- Foreclosures Involving Probate
Members of this section have extensive experience with complex and contested foreclosure matters. For example, our attorneys have obtained very favorable results by fighting for and receiving a permanent injunction against a real estate holding trust contesting foreclosures on frivolous grounds, and obtained summary judgment against debtors in contested and multifaceted cross-collateralized debt obligations.