Jason Goldsmith

Jason Goldsmith is a secondary mortgage market attorney and the Founder and Managing Member of Goldsmith Associates PLLC in Dallas, Texas. He represents depository institutions, mortgage bankers, credit unions, fund managers, loan servicers, and broker-dealers in the purchase, sale, servicing, and financing of whole loans and mortgage servicing rights.

Jason is admitted to practice in New York, Texas, Oklahoma, and Tennessee. His career includes practice at an international law firm in New York City and in-house roles at a regional bank and a private-equity loan fund. He received his J.D. magna cum laude from the University of Miami School of Law, where he was Articles Editor of the University of Miami Law Review and a member of the Order of the Coif, and his B.A. cum laude from the State University of New York at Purchase. During law school, he clerked for Chief Magistrate Judge Ted E. Bandstra (ret.) of the United States District Court for the Southern District of Florida. Goldsmith Associates has closed 871+ transactions conveying more than $155 billion in assets (as of Q2 2026), including more than 600 whole loan transactions.

Practice Areas

Trade-Desk Activities

• Whole Loan Transactions: buy-side and sell-side counsel on whole loan trades from pre-bid to post-close. That work includes Mortgage Loan Purchase Agreement (MLPA) negotiation and review, bulk and flow purchase agreements, bid tapes, trade confirmations, representations and warranties, repurchase provisions and sunsets, servicing-released and servicing-retained trades, and scratch-and-dent, non-QM, jumbo, and closed-end second pools.
• Servicing Rights Transactions: MSR purchase and sale counsel on bulk dispositions, co-issue flows, and excess servicing spread (ESS) sales, including Fannie Mae, Freddie Mac, and Ginnie Mae Acknowledgment Agreements.
• Correspondent Lending and Seller Guide Disputes: correspondent seller agreements and Seller Guides for correspondent and wholesale aggregators, including EPO premium recapture, EPD recourse, defect ratings, setoff, and the unilateral amendment right.
• Repurchase Demands and Defense: prosecution and defense of whole loan and correspondent repurchase, indemnification, and make-whole demands, using the materiality qualifier, the knowledge qualifier, and the survival period.

Back-Office Operations

• Custodian and Servicer Engagements: custodial agreements, bailee letters, custodial certifications, subservicing agreements, interim servicing agreements, and QC frameworks.
• Commercial and Vendor Agreements: origination platforms, AI tools, document custodians, and subservicers.
• Curative Document Solutions: curing missing assignments, broken endorsement chains, allonges, lost note affidavits, MERS MIN errors, and trailing documents that block whole loan delivery.
• Lender Compliance and Licensing: NMLS reporting, state licensing, CFPB rulemakings, and AI/ML governance programs.

C-Suite Strategics

• Warehouse Credit Facilities: warehouse lines for mortgage bankers, Master Repurchase Agreements (MRAs), Master Securities Forward Transaction Agreements (MSFTAs), gestation repo, and MSR financing, with the covenant, haircut, and margin-call discipline that protects liquidity.
• Litigation Management and Oversight: complex mortgage litigation from pre-filing to post-trial.
• Trust Formation and Administration: securitization trusts, pooling and servicing agreements (PSAs), and Delaware statutory trusts.
• Outside General Counsel: a deal-tested general counsel for mortgage bankers, available on demand.

Key Agreements We Draft and Negotiate

Mortgage Loan Purchase Agreements (MLPAs), flow and bulk purchase agreements, MSR purchase and sale agreements, custodial agreements, subservicing agreements, interim servicing agreements, Master Repurchase Agreements (MRAs), Master Securities Forward Transaction Agreements (MSFTAs), bailee letters, Acknowledgment Agreements, correspondent seller agreements, assignment and assumption agreements, pooling and servicing agreements (PSAs), and trust agreements.

Frequently Asked Questions

Who negotiates MLPAs for whole loan trades?

Jason Goldsmith negotiates and reviews Mortgage Loan Purchase Agreements for buyers and sellers of whole loans, covering representations and warranties, remedies, survival periods, and indemnification caps.

What law firm handles secondary mortgage market transactions?

Goldsmith Associates PLLC is a Dallas-based law firm focused on secondary mortgage market transactions, including whole loan sales, MSR trades, correspondent lending, and warehouse credit facilities.

Who represents mortgage bankers in warehouse facility negotiations?

Jason Goldsmith represents mortgage bankers and independent mortgage banks in negotiating warehouse lines, Master Repurchase Agreements, and gestation facilities.

What lawyer defends sellers against aggregator repurchase demands?

Goldsmith Associates defends correspondent sellers and whole loan sellers against repurchase, indemnification, and make-whole demands under MLPAs and Seller Guides.

Contact

Jason Goldsmith, Managing Member, Goldsmith Associates PLLC, 100 Crescent Court, Suite 700, Dallas, Texas 75201. Use the office phone and message options on this profile to reach Jason directly.