We are a law firm with long and deep roots assisting real estate developers and investors, mortgage lenders and banks with transactional, regulatory compliance, commercial lending, workout, tax credit, M&A and related matters. We are driven to create cost-effective win-win outcomes using a nimble, low overhead approach. Our partners have participated in hundreds of commercial lending and LIHTC transactions for clients in every capacity and have advised dozens of financial institutions regarding consumer mortgage compliance, bank mergers and acquisitions and numerous transactions involving the purchase and sale of commercial properties. We also have extensive experience in financing health care properties, especially residential care facilities. Our lawyers have previously had long careers as partners in major law firms and include a former General Counsel of the U.S. Department of Housing and Urban Development, counsel to the Alabama Affordable Housing Association, the Alabama Mortgage Bankers Association, the Alabama Bankers Association, Inc. and the Alabama State Senate Committee on Banking and Insurance. One of our partners also was the author of both the Alabama section of The Law of Guaranties, ABA Business Law Section, and the Alabama section of Commercial Lending Law: A State by State Survey, ABA Business Law Section. All of our partners have been recognized in both Chambers USA and Best Lawyers in America. Our lawyers helped pioneer direct bank investments in LIHTC and historic tax credits, New Markets tax credit transactions, use of private activity bonds to generate LIHTC in innovative transactions and rehabilitation transactions for LIHTC projects after conclusion of the compliance period. We have advised about the Paycheck Protection Program, COVID-19 related consumer mortgage compliance, bank branch purchases and sales and formation of banks and bank holding companies. Please see our website for more information and important notices.