Mortgages. New York Lawyers Practical Skills Series. Includes Forms on CD. Philip C. Kilian, Esq. Christopher P. Daly, Esq.*
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1 New York Lawyers Practical Skills Series Includes Forms on CD Mortgages Philip C. Kilian, Esq. Christopher P. Daly, Esq.* * This monograph was originally written by Bruce J. Bergman, Esq., and was updated from 1994 to 2006 by Philip C. Kilian, Esq. Christopher P. Daly, Esq., has been the update author since NEW YORK STATE BAR ASSOCIATION
2 New York State Bar Association Continuing Legal Education publications are intended to provide current and accurate information to help attorneys maintain their professional competence. Publications are distributed with the understanding that NYSBA does not render any legal, accounting or other professional service. Attorneys using publications or orally conveyed information in dealing with a specific client s or their own legal matters should also research original sources of authority. We consider the publication of any NYSBA practice book as the beginning of a dialogue with our readers. Periodic updates to this book will give us the opportunity to incorporate your suggestions regarding additions or corrections. Please send your comments to: CLE Publications Director, New York State Bar Association, One Elk Street, Albany, NY Copyright 2014 New York State Bar Association All rights reserved ISBN: Product Number:
3 CONTENTS I. Introduction... 1 A. Initial Hints... 1 B. General Definitions and Basics... 1 II. Mortgageable Interests... 4 A. Introduction... 5 B. Purchase Money Mortgage... 6 C. Building Loan Mortgage... 7 D. Leasehold Mortgage... 7 E. Fixed Rate Mortgage... 8 F. Adjustable Rate Mortgage (ARM)... 9 G. Graduated Payment Mortgage (GPM)... 9 H. Pledged Account Mortgage (PAM) I. Growing Equity Mortgage J. Reverse Annuity Mortgage (RAM) K. Shared Appreciation Mortgage (SAM) L. Price Level Adjusted Mortgage (PLAM) M. Balloon Mortgages and Rollover Mortgages III. Government-Related Mortgages A. Federal Housing Administration (FHA) B. Veterans Benefits Administration (VA) C. Farm Service Agency (FSA) D. Federal Land Banks IV. Other Financing Avenues V. Execution and Delivery of the Mortgage VI. Building Loan Mortgages A. Special Issues B. Building Loan Agreement Modification and Subordination C. Mortgage Recording Tax VII. Usury A. Exemptions and Exceptions B. Annual Percentage Rate C. Penalties for Usury VIII. Mortgage Terms IX. Preparing the Purchase Money Mortgage X. Mortgage Deficiencies and Their Remedies A. Harmful Inclusions B. Suggested Clauses for Inclusion Legal Fees Due-on-Sale and Due-on-Transfer Clauses Late Charges Interest Upon Maturity Interest on Advances Recouping Costs C. Conclusion iii
4 XI. Environmental Protection Agency Clause XII. Instruments Relating to Mortgages A. Mortgage Extensions and Modifications B. Consolidation Agreements C. Splitter and Spreader Agreements D. Subordination Agreements E. Renewal Mortgages F. Mortgage Assignments and Transfers G. The Right to Redeem XIII. Release of a Mortgage and Related Transactions XIV. Statute of Limitations Applicable to Mortgages XV. Forfeiture of a Mortgagee s Interest to the United States of America XVI. Deficiency Judgment XVII. Commercial Credit Line Mortgages XVIII. Discrimination in Mortgage Lending A. Generally B. Statutory Authority C. Types of Discrimination D. Disparate Treatment E. Disparate Impact XIX. Provisions for Non-Judicial Foreclosure XX. Predatory Mortgage Lending XXI. Issues Surrounding Discharge or Assignment A. Assignment as Opposed to Satisfaction B. Payment of Fees on Assignments C. Escrow Accounts XXII. Non-Recourse Mortgages and Limited Guarantees of Key Principals XXIII. Lien Law and Trust Fund Violations; Prime Mortgage Liens XXIV. Participations XXV. The Patriot Act in Mortgage Lending Bibliography Mortgages Forms Index Table of Authorities About the Authors iv
5 ABOUT THE AUTHORS 237 CHRISTOPHER P. DALY, ESQ. Mr. Daly is a partner in the Real Estate Department of Farrell Fritz, P.C. Mr. Daly practices primarily in the area of commercial real estate finance. He is a 1992 graduate of St. John s University School of Law and is admitted to practice in the State of New York. PHILIP C. KILIAN, ESQ. Until his recent retirement, Mr. Kilian was a partner in the firm of Farrell, Fritz, PC, of Uniondale and New York City, where he concentrated his practice in banking (documentation of commercial loans, real estate construction loans and mortgages), loan restructuring and workout litigation related to foreclosure, lender liability and creditors rights. He received his J.D. from St. John s University School of Law. His memberships included the New York State Bar Association and Court of Federal Claims Bar Association.
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