We prepare loan documents within 48 hours of a complete term sheet. A term sheet is the most useful starting point — the parties, the property, the loan amount, the rate and term, and any special conditions. If you already have draft documents, a title commitment, or an entity chart for the borrower, send those too. We will review what you have and confirm when the term sheet is complete.

Yes. AM Law issues the title policy itself, as title agent, and handles the real estate closing. After closing, we review the file before we issue the policy and send you the completed documents for your records.

You do not need to hire new counsel. AM Law is also bankruptcy counsel, so if a borrower files while a foreclosure is underway, we follow the file into bankruptcy court. That work is led by Gary M. Murphree, Esq., a partner at the firm. The attorney who already knows the loan stays with it.

As a general rule, Florida law treats a contract that charges more than the equivalent of 18 percent per annum simple interest as usurious, when the loan is $500,000 or less. For loans that exceed $500,000, different limits apply, and charging more than 25 percent per annum can raise criminal-usury issues. Points, fees, and how they are spread over the term of the loan can affect the effective rate. Certain loans and lenders are treated differently under the statute. This is only a starting point — the structure of each loan should be reviewed. (Fla. Stat. §§ 687.02, 687.03, 687.071 (2026).)

Florida is a judicial-foreclosure state: mortgages are foreclosed in equity, through a court action, rather than by a non-judicial power of sale. How long a particular case takes depends on the court, whether the borrower contests the action, and the facts of the loan. There is no single statutory deadline that covers every foreclosure from filing to sale. We handle lender-side foreclosure statewide, in all 67 Florida counties. (Fla. Stat. § 702.01 (2026).)

Under Florida law, the borrower — or the holder of a subordinate interest — may cure the debt and prevent a foreclosure sale at any time before the later of two events: the clerk of court filing a certificate of sale, or the time specified in the foreclosure judgment. After that point, there is no right of redemption under that statute. (Fla. Stat. § 45.0315 (2026).)

Yes. We review the file after closing before we issue the title policy, we send you the completed documents, and we track loan maturity and expiration dates. If the loan later needs a payoff, an extension, a modification, or enforcement — including foreclosure, or bankruptcy court if the borrower files — you already have counsel who knows the file.