Loan Representation

Lender-Focused Legal Support

Protecting Lenders at Every Step

At Calvo Law Group, we represent private lenders and banks throughout New York, New Jersey, and Pennsylvania. Our team handles every detail of the legal process—from drafting and reviewing loan documents to clearing title and acting as settlement agent. We know how to keep deals moving in all three states, and we tailor our approach to fit each region’s unique requirements. Whether it’s a quick-turn loan on an investment property or a complex multi-property refinance, we deliver responsive, accurate legal support every step of the way.

Legal Work That Moves Fast

Full-Service Lending Representation

Every loan comes with its own risks, deadlines, and moving parts. We handle the legal side so you can focus on growing your lending portfolio.

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Drafting and Reviewing Loan Documents

We prepare and review promissory notes, mortgages, security agreements, and guarantees—tailored to protect your rights as a lender.

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Settlement and Escrow Services

Acting as settlement agent, we manage document execution, fund disbursements, and final compliance to ensure every closing is smooth and accurate.

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Title and Due Diligence Coordination

We identify and clear title issues early, working with title companies to keep your closing on schedule.

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Lender Risk Protection

We flag enforceability concerns and structure deals that safeguard your interests—even if the unexpected happens post-closing.

Lending Across State Lines

Navigating NY, NJ, and PA Transactions

Each state has its own rules, timelines, and filing requirements for real estate lending:


  • New York: Loans often require additional attention to recording taxes and lien filings, and timelines can be tight due to market demands.


  • New Jersey: Settlement processes differ, and coordinating with title and municipal offices is critical to avoid delays.



  • Pennsylvania: Local county recording standards and tax certifications can add complexity without proper planning.


We’re experienced in all three regions and work seamlessly with title companies, brokers, and borrowers to avoid hiccups that cost you time or money.

Legal Clarity for Lenders

Common Questions About Loan Representation

Here’s what private lenders and financial institutions across NY, NJ, and PA often ask us.

  • Why do I need an attorney to issue a real estate loan?

    Real estate loans aren’t just about handing over funds—they’re about protecting your investment through enforceable contracts, clear collateral rights, and compliant closings. A lawyer ensures your documents meet all state-specific requirements, identifies risks early, and coordinates with title companies to prevent future disputes. Without legal oversight, even small oversights can lead to major losses.

  • How does lending in NJ or PA differ from New York?

    Each state has its own closing customs, recording processes, and tax requirements. For example, NJ uses settlement attorneys more often than NY, and PA closings often involve county-specific filings and certifications. We understand these nuances and manage them for you, keeping your deal on track no matter where the property is located.

  • What’s the advantage of using a settlement attorney instead of just a title company?

    Title companies provide insurance and handle searches, but they can’t offer legal advice or customize documents to your specific loan. As settlement attorneys, we oversee the entire closing process, draft tailored protections for your loan, and address any legal issues as they arise. This dual role reduces delays and gives lenders an added layer of security.

  • Can you handle cross-state lending deals?

    Yes. We frequently work on transactions where properties span state lines or where lenders are based in one state and borrowers in another. We coordinate the different requirements across jurisdictions and ensure the process feels seamless from start to finish.

  • Do you work with both private lenders and banks?

    Absolutely. We represent individual investors, small lending groups, and institutional lenders—adapting our services to the scale and complexity of each deal. Whether it’s a short-term bridge loan or a large refinance, we bring the same precision and responsiveness to every transaction.