Jason Goldsmith

Mortgage banking regulatory counsel: Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, Ginnie Mae MBS Guide, FHFA, CFPB, TILA/RESPA, ATR/QM, and HMDA requirements that shape whole loan and servicing trades.

Secondary mortgage market and correspondent lending: whole loan sales, MSR purchases and sales, co-issue, ESS, correspondent seller agreements, Seller Guide disputes, and EPO premium recapture for banks, mortgage bankers, credit unions, and funds.

Securitization trust formation and administration: trust agreements, pooling and servicing agreements (PSAs), and Delaware statutory trusts for whole loan pools, built for true sale, bankruptcy-remoteness, and investor reporting.

Warehouse lines for mortgage bankers: mortgage warehouse facilities, Master Repurchase Agreements, gestation repo, MSR finance, bailee letters, advance rates, haircuts, margin calls, true sale, and repo safe harbor, Correspondent Lending.

Whole loan pool and MSR portfolio acquisitions and dispositions: bid tapes, due diligence, exceptions schedules, bulk purchase agreements, assignment and assumption, and Fannie Mae, Freddie Mac, and Ginnie Mae Acknowledgment Agreements.

Repurchase demand defense: whole loan and correspondent repurchase, indemnification, and make-whole demands, materiality and knowledge qualifiers, survival and sunset defenses, and oversight of mortgage litigation and arbitration.

Lender compliance and licensing: state licensing, NMLS reporting, change-of-control filings, agency approvals, and AI/ML governance programs for state-chartered and federally supervised mortgage lenders and servicers.

Curative document solutions for residential mortgage loans: missing assignments, broken endorsement chains, allonges, lost note affidavits, MERS MIN errors, and trailing documents that block whole loan delivery or trigger repurchase.