Banking

 
 

Industries | Banking

 
 

Throughout its 190-year history, Fletcher Tilton has served as trusted counsel to banks and financial institutions throughout Massachusetts and across the country.  From our long history working with banks and financial institutions, Fletcher Tilton attorneys know that the banking industry is constantly facing new challenges. Complex regulations, rigorous compliance standards, privacy requirements and short deadlines are just some of the pressures facing today’s banking industry.  Fletcher Tilton attorneys are uniquely sensitive to these pressures and draw upon their vast experience to provide our banking clients with the concise answers, quick turnaround times, and responsive solutions necessary to conduct their business and stay in compliance with a myriad of government regulations.

 

Commercial Lending

Fletcher Tilton has served as lender’s counsel on the financing of some of Massachusetts most recognizable buildings and sites.  Whether financing an office building, manufacturing facility, warehouse or apartment complex, commercial lenders and their loan officers trust Fletcher Tilton to provide the experience and expertise necessary to close and secure their loans and navigate any roadblocks that may arise in the financing process.
Fletcher Tilton’s Commercial Lending Group provides a wide range of services including:

  • Commercial Loan Documentation
  • Equipment Purchases
  • Receivables Financing
  • Taxable and Tax Exempt Bond Financing
  • Collateral Analysis
  • Inter-Creditor Arrangements

 

Residential Lending

Fletcher Tilton has represented numerous institutional lenders, community banks and credit unions in all aspects of refinance and purchase mortgage transactions. From single family homes and condominiums to multifamily dwellings and land acquisitions, our attorneys and staff handle all aspects of closing transactions, including:

  • Title examinations and opinions
  • HUD-1 and loan document preparation
  • Title insurance
  • Registry searches and recordings
  • Closing representation.

 

Our attorneys and staff maintain regular contact with loan officers and borrowers to insure that the closing is a smooth and orderly process. Because of our comprehensive service and dedication to quality, some of Massachusetts’ most recognized lenders have chosen Fletcher Tilton as their exclusive closing attorneys.
 

Compliance and Operational Issues

Fletcher Tilton’s banking group provides advice and counsel on regulatory and compliance matters such as loan authority, truth in lending, fair credit reporting and real estate settlement procedures. We also counsel bank executives on appropriate procedures to avoid lender liability, and assist in resolving conflict issues on behalf of officers and directors.

The Group regularly advises bank officers on general business and operational issues relating to:

  • Deposits
  • Negotiability of Instruments
  • Contracts for Services
  • Branch and ATM issues
  • Real estate sales, acquisitions and lease negotiations

 

Foreclosures and Loan Workouts

Fletcher Tilton is often called upon by commercial lenders to assist in restructuring and working out non-performing loans including those in bankruptcy. In each case our attorneys design a customized workout solution designed to bring debtors into compliance and enhance the outlook for full repayment to our clients. However, when workouts have failed or are not appropriate, Fletcher Tilton also provides its banking clients with a full suite of foreclosure services necessary to recover secured assets.
 

Title Insurance

Fletcher Tilton is an authorized issuing agent of First American Title Insurance Company, Old Republic National Title Insurance Company, Chicago Title Insurance Company, and Connecticut Attorney’s Title Insurance Company (CATIC).  Our attorneys and staff maintain strong relationships with underwriting counsel for each of these insurers to stay current on the latest insurance guidelines and find quick and efficient solutions to title problems.

 
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