Real Estate Matters

Bornstein Oppenheimer has closed tens of thousands of loans for National, Regional and Local Banks and Mortgage Companies over the past 35 years including retail mortgage and private banking loans, all forms of residential loans including Conventional, VA, FHA, Kentucky Housing, Jumbo Loans, Deed in Lieu, Short Sales, Contract for Deed, Lease with Option to Buy, and all other types of loans.

First American Title Insurance Company Kentucky, First American Title Insurance Company Indiana, Fidelity Title Insurance Company (Commonwealth Land Title), Chicago Title Insurance Company, Stewart Title Insurance Company and Old Republic Tide Company all issue insured closing letters. We are approved Closing attorneys for all of the above title companies.

We examine the title to any property in the state of Kentucky and Indiana and we issue opinions or title commitments within 24-48 hours or as necessitated by any particular transaction.

Mr. Bornstein issues all forms of Title Insurance in Kentucky and he is a Licensed Title Insurance Agent in Indiana. We can close a refinance or conveyance loan on a very short. notice. We can close the normal transactions and emergency situations as necessary.

In addition, we return closing packages fast with all documents pursuant to lender/underwriter closing instructions, accurate and complete the first time, eliminating post closing problems.

Our Offices are conveniently and centrally located at 3339 Taylorsville Rd. in the Kruger and Schwartz Building just north ofthe Watterson Expressway. We have large closing conference rooms with surroundings that clients, customers and agents enjoy. We have three support personnel and five insured contract abstractors. Free parking is right at our first floor front door.

Experienced and seasoned real estate attorneys are present at each closing and we take the time at each closing to fully explain all closing instruments and loan documents and answer any questions regarding the transaction and resolve all issues that arise between the borrower/buyer/seller/lender and other parti.. We take extm time for First Time Home Buyers. We make sure all parties have a great closing experience.

We answer any legal and closing questions and visit with you at your convenience at any time. Please call Bill Bornstein personally at 502-895-8787 or 502-551-7985 (voicemail), Michelle at (502) 315-1864, or Kelly at (502) 315-1869 or visit our website at www.bornopa.com. We answer legal questions for any parties as a courtesy as part of our services

Our closing highlights include:

• HUD-1 Settlement statement prepared and emailed to Originators, Processors, Underwrite. and Agents, Buyers and Sellers prior to closing
• Fast turn around on title reports
• Friendly attorneys at every closing and knowledgeable and experienced paralegal support staff
• Provide overnight payment and wire transfers
• Accurate, pleasant and congenial closings in a great atmosphere
• Immediate resolution, cure, and clear title defects prior to closings
• Call backs and updates prior to closing and post closing
• Preparations of Powers of Attorney, Quitclaim Deeds, Easements and other Legal documents when needed
• Overnight payoffs
• Negotiate Seller/Borrower liens and curing of title defects
• Obtain Seller/Borrower payoffs
• Answer ail legal, title and closing questions prior to closing
• Issuance of all forms of Title Policies requested with all forms of endorsement
• Closings insured by National Title Insurance Companies with Insured Closing Letters
• Great central location convenient to Kentucky and Indiana clients
• Free parking at the ground floor office door
• Maintenance of closing records for 10 years

At Bornstein Oppenheimer, we offer the very best and friendliest closing experience in the real estate closing industry and we deliver our services at a very competitive cost. Our strength and vigilance along with our nationally insured closings offer clients peace of mind that Bornstein Oppenheimer will always be there when you need us before and after the closing. Bornstein Oppenheimer provides the best value for your closing services.

Since inception Bornstein Oppenheimer and our associated firms have evolved with changing local real estate market. In the last decade, we have helped clients respond to market forces and assisted clients in taking advantage of alternative financing sources, dealing with overbuilt markets and complying with a complex body of local, state and national environmental laws.

We work with Banks, Mortgage Companies, Financial Institutions, Individuals, other Insurance Companies, other Developers, Owners, Property Managers, Tenants, and Investors on all types of Lending Transactions and Purchase Agreements, Leases and other complicated Transactions.

Real Estate Areas Of Practice

• Real Estate Closing
• Title Examination
• Title Insurance
• Abstract of Title
• Issuance of Title Insurance Policies
• 1031 Exchange (forward and reverse)
• Construction-Contract Issues and Litigation
• Contract Negotiations
• Real Estate Law
• Commercial Real Estate transactions
• Banking & Finance Law
• Business & Commercial Law
• Lending & Secured Transactions
• Debt Restructurings
• Foreclosures
• Lease Negotiations and Contracts
• Loan Workouts
• Project Finance, including Mortgages, Sale-Leasebacks, and Non Traditional Financing Sources
• Zoning Issues

Bar Admissions

• Commonwealth of Kentucky, 1966
• U.S. Supreme Court, 1973
• U.S. Tax Court, 1971
• U.S. Bankruptcy Court, Western Division of Kentucky 1966
• U.S. Bankruptcy Court, Eastern Division of Kentucky 2010
• Louisville Bar Association Real Estate Section

Education

• University of Louisville School of Law, Louisville, Kentucky
  • J.D., Doctor ofJurisprudence -1966
• Indiana University, Bloomington, Indiana
  • B.S., Bachelor of Science – 1963
  • Major: Business

Title Insurance Licenses

• Indiana Licensed Title Insurance Agent

Approved Lenders

• Branch Banking and Trust Residential Closing
• Citizens Union Bank
• Fifth Third Bank (Closings)
• First Citizens Bank
• Horne Services Lending
• JP Morgan Chase (Closings)
• PNC Bank (Commercial and Residential Lending and Closing)
• Primary Residential Mortgage Company
• Republic Bank and Trust (Closings)
• U.S. Bank Residential closing
• Wells Fargo Mortgage Company (Closings)

References

• Commonwealth Bank
• PNC Bank
• Republic Bank
• Share Plus Bank
• Stockyards Bank
• River City Bank

Professional Associations And Memberships

• Kentucky Bar Association; Member, Sections on: Corporations, Banking and Business, Estate Planning, Real Property
• Louisville Bar Association; Member, Committees on: Unauthorized Practice 1977, Prepaid Legal Service 1977, Public Information, 1977
• American Land Association
• Member, Foundation Committees on: Community Service, Professional Responsibility and Responsibility, Corporate Practice, Economics of Law Practice, Real Estate Planning and Zoning
• Kentucky Mortgage Bankers Association, Member