Currently, R&A prepares first and second lien residential closing documents for lenders on a nationwide basis. In addition, the firm documents a wide variety of construction products as well as commercial transactions. The firm has a dedicated staff to maintain and warrant its forms to meet state and federal regulatory requirements as well as investor-specific program requirements. R&A maintains a comprehensive law and forms library.

Scope of Services

Document Preparation:  Preparing documents starts with specific transaction information supplied by the customer. This can be delivered in multiple ways, but most commonly is accomplished by completing an R&A loan document order form which can be sent to R&A electronically via email or by uploading the file through R&A's Docs on Demand website. R&A interfaces with Datatrac, Calyx Point, Mortgageware, and many other loan origination systems commonly used by mortgage lenders nationwide, along with some lender specific loan origination systems. Loan document requests may also be faxed to R&A.

Document Delivery:  R&A was the first to introduce the mortgage lending industry to closing documents delivered via the Internet. Now, R&A's documents are posted to a secure website with convenient notification email. This service is offered to all clients and their settlement agents at no cost. R&A maintains a technical support staff to assist clients in efficient delivery to multiple branches or broker sites.

Requests for Funds, Funding, and Shipping Services:  R&A will request funds from either the investor or the warehouse bank. R&A's Closing Instructions instruct the settlement agent to contact R&A's funding department for funding authorization. R&A reviews all executed documents including the HUD-1, and closing conditions before giving funding authorization.

Regulatory Compliance & Other Legal Matters:  R&A's attorneys regularly advise clients on regulatory compliance issues and changes in the laws affecting mortgage lending. Additionally, R&A's attorneys address specific issues on a loan-by-loan basis, including reviewing powers of attorney, title commitments, surveys, trust documents, and preparing custom documents related to title curative issues. R&A works closely with its clients on each of their unique disclosure requirements, including the custom drafting of disclosure forms.

Foreclosure Services:  R&A provides foreclosure services to the mortgage industry. R&A has established a base of many clients including independent bankers and major wholesale lenders. R&A is committed to tailoring its services & fees and devoting its experienced staff to meeting individual client needs in the following areas: Foreclosure (including Home Equity Loans), Bankruptcy Litigation, Eviction Proceedings Post Foreclosure and Deficiency Actions.

Representative Clients:  R&A is proud of its more than 400 clients who rely on its complete range of legal services.