Redefining And Simplifying Lending For Personal, Business And Real Estate Investments

Borrowing and lending in today's world is incredibly complex for both the borrower and the lender. Whether a real estate or business loan is for a company or personal reasons, it's not always easy to choose the right type of financing to meet your needs. Our lawyers are here to guide you through the process and ensure you understand all of your options so you can make the best financing decisions for your situation.

Most people depend on lending to get ahead in life. Millions of families use mortgage loans to buy or build homes that position them to thrive. Loans are critical for business owners to operate and expand their businesses. Lenders provide a vital service by making financing available to help businesses and individuals pursue their goals. At Gerner & Kearns Co., L.P.A., our experienced real estate law attorneys take immense pride in redefining lending as a more pleasant and predictable experience for all parties.

The Laws Underlying Lending

When you're a borrower obtaining a loan or a lender providing financing, a complex body of laws is working behind the scenes to ensure that things go as planned. Lenders, for instance, have to adhere to fiduciary duty obligations, disclosure requirements, and other rules and regulations. Borrowers, meanwhile, must commit to repaying their loans as promised and confirm their ability to do so. No matter which side you're on, you will have to deal with expected challenges and possibly unexpected legal matters involving:

  • Understanding the lender's term and choosing from the long list of financing options
  • Understanding the borrower's goal and the transaction so the lender can help make proper choices and be a better facilitator
  • Examining, analyzing and insuring a property title
  • Comprehending and signing complex loan documents involving personal and business obligations, real estate and other business assets
  • Encountering surprise or unexpected charges, rate changes, prepayment penalties and assets that were unknowingly pledged
  • Resolving disputes or providing a bridge between lender and borrower when communication breaks down

It's hard to anticipate which of these issues might come into play in your case, so comprehensive preparation and good advice are essential. At Gerner & Kearns Co., L.P.A., our attorneys can guide you and keep you well-informed throughout the process. With You Every Step Of The Way

Ideally, lending should be a straightforward procedure. However, things can go wrong at any point. The high value and complex nature of many transactions makes legal protection the prudent way to go. We can help you navigate every planned step and overcome unexpected surprises during lengthy lending transactions. Whether you're seeking a loan for a residential or commercial property, you need to have your bases covered — and this demands a legal team that's dedicated to seeing things through to completion.

At Gerner & Kearns Co., L.P.A., we are fully prepared to help you understand how the law can help you get the maximum value from a loan or mortgage as a borrower or a lender. Call 513-241-7722, or send us a message online, to learn more. With offices in Florence, Newport, Cincinnati and Lawrenceburg, we help lenders and borrowers throughout Kentucky, Ohio, Indiana and Michigan.