REFINANCE LOAN
PACKAGES FOR LENDERS
Refinance transactions replace existing debt obligations with a new loan structure and typically require updated loan documentation that reflects the revised terms of the financing. These transactions often involve payoff coordination, replacement liens, reaffirmation of guaranties, and updated borrower covenants. Equity Legal provides lender-side loan documentation packages for refinance financing transactions involving Florida collateral. Our packages include preparation of the necessary loan documents to replace or modify the existing financing structure and to properly secure the lender’s position under the new loan. Through a structured document drafting process and defined legal scope, lenders can efficiently complete refinance transactions while maintaining predictable legal costs and a clear closing timeline.
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If you are a borrower, please click HERE to review our flat fee packages tailored to borrowers.
REFINANCE LOAN
TIER I
Refinance Loan
Essential Documents Package | $7,500
• Promissory Note or restated note
• Loan Agreement / Modification / Restated Loan Agreement
• Florida mortgage, modification, or replacement security instrument
• Basic Assignment of Leases and Rents or reaffirmation
• Guaranty or guaranty reaffirmation
• UCC-1 financing statement preparation or continuation direction
• Payoff-letter request checklist
• Basic title commitment and survey issue-spot review
• Closing checklist and signature package
• Two revision rounds on the document set
TIER II
Refinance Loan
Closing Support
Package | $10,500
• Everything in Tier I
• Modification / ratification / reaffirmation package, as applicable
• Release and reconveyance coordination checklist
• Title/survey comment list and priority issue memorandum
• Entity authority review and payoff/release document review
• Coordination with title company or closing agent
• Up to 5 attorney hours through closing
TIER III
Refinance Loan​Comprehensive
Package | $14,500
• Everything in Tier II
• One basic subordination or lienholder-consent document, if needed for the refinance structure
• Detailed closing instructions and post-closing release checklist
• Expanded payoff and lien-priority tracking
• Additional closing coordination and comment management
• Up to 10 attorney hours through closing
These lender-side flat-fee packages designed to bring structure and predictability to private financing transactions. Instead of forcing every loan closing into a fully open-ended hourly engagement, these packages give lenders a defined document scope, two rounds of revisions, and—depending on tier—dedicated attorney time through closing. The packages are built for Florida transactions and are particularly well suited to private lenders, debt funds, family offices, and active individual lenders that want a repeatable legal product. The process generally is as follows:​
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Step 1: Intake and deal structure review.
Step 2: First draft of the lender-side document set.
Step 3: Two consolidated revision rounds.
Step 4: Closing support in line with the selected tier.
Step 5: Signature package and closing coordination through the scheduled closing.
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You can add these on to any of the packages at our reduced rate:
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Additional Attorney Hours: $2,500 per 10 hours
Additional Document: $1,250 per document
Additional Borrower: $500 per additional borrower
Additional Guarantor: $500 per additional guarantor
Additional Revisions: $1000 per round of revision​
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Out of Package Scope:
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Out-of-scope items include litigation, escrow, contested workouts, bankruptcy, tax advice, securities advice, regulatory opinions, syndication/participation documentation, multi-state collateral, agency/GSE/CMBS forms, and heavily negotiated intercreditor or subordination disputes unless specifically included in the package.
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