Private Lender Law is a premier law firm focused exclusively on supporting private real estate lenders. As an established leader in Texas private lender law, our team delivers comprehensive legal support for private lenders statewide. Our practice extends across every major Texas market, including Dallas-Fort Worth, Houston, Austin, San Antonio and regional centers like Paige, Texas, and Bastrop County. We empower private real estate lenders by providing the legal structure and operational confidence necessary to thrive.
Private lending presents an opportunity but also raises complex regulatory considerations. Most commercial private lenders must register with the Office of Consumer Credit Commissioner (OCCC), making OCCC compliance an essential part of operating lawfully.
However, licensing requirements are nuanced, hinging on factors such as whether loans are made to commercial or non-owner-occupied borrowers. Our attorneys have extensive experience interpreting these rules, helping our clients avoid regulatory pitfalls and maintain compliance. With us, you gain a knowledgeable partner to navigate every gray area in the regulatory landscape of Texas real estate private lending.
Texas enforces strict usury laws that cap interest rates on loans. Currently, lenders cannot charge more than 10% interest per year. Exceeding these caps can jeopardize your deal and expose your firm to significant penalties. We help clients maximize their returns while designing loan structures that remain fully compliant. Our understanding of state and federal regulations enables us to guide private lenders on structuring transactions without crossing legal boundaries.
Streamlined statutes enable Texas private lenders to complete non-judicial foreclosures on defaulted loans with rapid turnarounds and fewer delays. Our team is well-versed in every aspect of the non-judicial foreclosure process, protecting your interests from notice of default through trustee sale. Clients facing default or loss mitigation trust us to manage the entire process with precision, preserving collateral value and minimizing delays.
At Private Lender Law, we design our services to support every stage of the private lending transaction. Our services include:
Every transaction begins and ends with experienced legal guidance. Our attorneys are dedicated to the unique needs of private lenders.
Private Lender Law provides full statewide coverage, meaning you benefit from legal professionals with statewide reach and local market knowledge in booming metros and rural communities. Our proactive approach ensures early identification of compliance requirements, helping expedite closings while protecting your bottom line. We understand the rapid pace of the Texas real estate market, and clients consistently choose us for knowledgeable counsel, responsive service and legal solutions every step of the way.
Are you a private lender seeking a dedicated Texas loan closing attorney or guidance on private lender law? Put your private lending transactions in the hands of experienced legal professionals who know the Texas market inside and out. Reach out to our team today. Our attorneys are ready to support your goals.
