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Real Estate Finance

Commercial real estate lending has always been a substantial part of Otten Johnson’s practice. In a competitive lending environment, having lawyers that understand the importance of and respect the lender-borrower relationship, while remaining keenly aware of how to protect the client’s position, is vital. Since opening its doors, Otten Johnson has been providing that service to lending and borrowing clients on billions of dollars of financings not only in Colorado but throughout the United States. Our Mountain time zone allows us to interact efficiently with clients coast to coast. We also provide borrower representation to our other real estate and land use clients in loan transactions ranging from a standard first mortgage to the most complex financing arrangements.

Our Approach:  Expert Counsel, Efficient Deal-making

In the fast-paced world of real estate finance, we pride ourselves on providing expert advice and services, and on closing deals in a timely manner. We handle financing transactions on the borrower side for most of our real estate and land use clients, and have vast experience negotiating loans for multifamily projects (including Fannie Mae and Freddie Mac financing).

We collaborate closely with our Bankruptcy & Troubled Loans practice group on loan workouts and foreclosures, and with our Real Estate and Land Use practice groups in connection with the full range of real estate acquisition, ownership and development issues. Our multi-faceted experience enables us to provide clients with meaningful, timely and cost-effective representation.

Our Real Estate Finance practice group represents clients in many contexts, including:

  • acquisition loans
  • construction loans
  • pre-development loans
  • permanent financings
  • mezzanine financings
  • inter-creditor agreements
  • co-lender arrangements
  • seller carry-back financings
  • Fannie Mae and Freddie Mac financings

We represent both lenders and borrowers on loans secured by all types of real estate, including:

  • office buildings
  • retail developments
  • hotel, resort and hospitality projects
  • industrial buildings and parks
  • residential and mixed-use developments
  • multi-family properties
  • manufactured housing communities
  • assisted living and senior living facilities
  • charter schools

Otten Johnson’s Real Estate Finance attorneys are highly regarded with strong ties to Colorado’s and the nation’s largest lenders. With our general expertise in real estate and land use, the Real Estate Finance team can provide expert guidance on the nuances of a loan secured by any type of real estate asset. Our lender and borrower clients both appreciate Otten Johnson’s approach to client service. The firm’s efficient deal-making attitude is vital to the growth of our clients’ businesses.

Primary Contact

Gifford, Julie E. photo

Julie E. Gifford

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Industry Highlight


Otten Johnson’s attorneys have experience providing real estate services to a variety of companies in the telecommunications industry.

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