Alexander Real Estate Lawyers

Compare 10 top rated New York attorneys serving Alexander.
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Steven Paul Krna
ALEXANDER, NY Real Estate Law Attorney with 32 years of experience
(585) 813-5350 3806 BROADWAY RD
ALEXANDER, NY 14005
Real Estate
The Ohio Northern University Pettit College of Law
Mr. Michael W. Cole
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Mr. Michael W. Cole
Alden, NY Real Estate Law Attorney with 19 years of experience
(716) 937-9150 13349 Broadway Street
Alden, NY 14004
Real Estate, Bankruptcy, Criminal and DWI
SUNY Buffalo Law School
Gerald O. Williams
Batavia, NY Real Estate Law Lawyer with 65 years of experience
(585) 343-1486 2 Court Street Plz
Batavia, NY 14020
Real Estate, Criminal, DWI and Estate Planning
Cornell Law School
Amy McShane
East Aurora, NY Real Estate Law Attorney with 23 years of experience
(312) 285-5804 4329 4 Rod Rd
East Aurora, NY 14052
Real Estate
Boston University School of Law
John Beldon Elliott
EAST AURORA, NY Real Estate Law Lawyer with 60 years of experience
(716) 652-1122 673 MAIN ST OFC 2
EAST AURORA, NY 14052
Real Estate
SUNY Buffalo Law School
Michael Carl Burwick
CLARENCE, NY Real Estate Law Attorney with 48 years of experience
(716) 856-2239 9545 MAIN ST
CLARENCE, NY 14031
Real Estate, Bankruptcy, Business and Divorce
University of Maine School of Law
Robert Friedman
AKRON, NY Real Estate Law Lawyer with 41 years of experience
(716) 542-5444 PO BOX 31
AKRON, NY 14001
Real Estate and Estate Planning
Hamline University School of Law
Laurence White Boylan
LE ROY, NY Real Estate Law Lawyer with 53 years of experience
(585) 768-8148 PO BOX 307
LE ROY, NY 14482
Real Estate, Divorce and Family
Albany Law School
Angelo Anthony Buffomante
Elma Center, NY Real Estate Law Attorney with 47 years of experience
(716) 652-3151 2340 Bowen Rd
Elma Center, NY 14059
Real Estate, Criminal, DWI and Estate Planning
SUNY Buffalo Law School
Mark Sturdivant Boylan
LE ROY, NY Real Estate Law Attorney with 26 years of experience
(585) 768-8148 PO BOX 307
LE ROY, NY 14482
Real Estate and Health Care
Cleveland State University Cleveland-Marshall College of Law
Dzifa Gan
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Dzifa Gan
Lancaster, NY Real Estate Law Attorney with 12 years of experience
(716) 636-7600 43 Central Ave
Lancaster, NY 14086
Real Estate, Family and Landlord Tenant
University of Western Australia
Dzifa Gan is an Associate Attorney in the firm’s Real Estate Law Department; handling all aspects of residential and commercial real estate. Ms. Gan has varied legal experience having previously worked as a family and matrimonial attorney in London. Her priority across practice areas has always been her clients and ensuring that their needs are met.

Ms. Gan obtained her B.A. in Psychology and concurrently her Bachelor of Laws (LLB) from the University of Western Australia in 2008. Ms. Gan is admitted to practice law in New South Wales, Australia; England & Wales, UK and New York State, USA.

Before joining HoganWillig,...
Bruce Ikefugi
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Bruce Ikefugi
Lancaster, NY Real Estate Law Lawyer with 30 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Business and Foreclosure Defense
State University of New York at Buffalo School of Law
Chair of the largest residential real estate department in Western New York. Extensive third party relocation, REO, commercial and residential lending representation. Recently closed a $3 Million dollar refinance, and a $965,000 commercial purchase secured by properties in Western New York and Florida. Experienced in time share, zoning, land use, condominiums and cooperatives, real estate negotiations and litigation. Voted for inclusion in "Best Lawyers in America" for the past four years.
Corey John Hogan
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Corey John Hogan
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Lancaster, NY Real Estate Law Lawyer with 44 years of experience
Real Estate, Criminal, Medical Malpractice and Personal Injury
State University of New York at Buffalo School of Law
I founded Corey J. Hogan and Associates in 1975 in Lockport, New York. In 1990, I moved the firm's headquarters to Amherst, New York while maintaining an office in Lockport. In 1998, HoganWillig was established through a merger of The Law Office of Ronald Willig, founded in 1966, and Corey J. Hogan and Associates. I have been in practice for over 35 years since admission to the New York State Bar in 1975. Every year since 2007, I was voted an Upstate New York "Super Lawyer", reflecting the esteem and confidence of the local legal community. As one of...
Jeffrey J. Tyrpak
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Jeffrey J. Tyrpak
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Lancaster, NY Real Estate Law Lawyer with 6 years of experience
Real Estate, Employment, Estate Planning and Health Care
State University of New York at Buffalo School of Law
Jeffrey Tyrpak, an Amherst native, attended Fordham University and obtained his BA in International Political Economy in 2010. In 2013, he earned his JD at UB Law School with a concentration in Finance Transactions.

He started practicing law at a small firm in New York City before returning home and joining our team in December of 2016. While working in New York City, Mr. Tyrpak handled litigation in federal court regarding collective bargaining agreements and ERISA for employee benefit funds. He also worked on government compliance matters under the Affordable Care Act and ERISA.

Currently, Mr. Tyrpak resides in HoganWillig's Real Estate...
J. Michael Kelleher
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J. Michael Kelleher
Lancaster, NY Real Estate Law Attorney with 49 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Elder and Estate Planning
University of Notre Dame
J. Michael Kelleher graduated cum laude from St. Bonaventure University with a B.A. in 1967, and received his legal education at the University Of Notre Dame, graduating in 1970. Mr. Kelleher was Town Justice for the Town of Lancaster from 1975 to 2014 and is Senior Counsel at HoganWillig since joining the firm in 2011.

Mr. Kelleher has focused his practice in commercial and residential real estate as well probate, estate planning, and corporate law since 1970. He is a member of the Real Estate and Estate Practice and Procedure Committees of the Erie County Bar Association.

Mr. Kelleher has lectured extensively...
Alexander Korotkin
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Alexander Korotkin
Rochester, NY Real Estate Law Lawyer with 25 years of experience
(585) 419-5714 70 Linden Oaks, 3rd Floor
Rochester, NY 14625
Free ConsultationReal Estate, Bankruptcy, Business and Criminal
I have been practicing law in Rochester, New York, and nearby towns for the past 13 years. I concentrate my practice in matrimonial and family law. I counsel my clients on divorce, separation, custody, relocation, child support, adoption, premarital and postmarital agreements. More specifically, I assist my clients with such matters as: * Adoption * Alimony/Maintenance * Annulments * Child Abuse * Child Custody * Child Support * Child Support Enforcement * Dependency Proceedings * Divorce * Domestic Partnerships * Domestic Violence Orders * Family Court Proceedings * Family Law * Fertility and Surrogacy * Foreign Adoption * Foster Care * Grandparent Custody & Visitation Rights * Grandparent Rights * Guardianship * Name Change * Parental Rights * Paternity * Postnuptial Agreements *...
Harry N Konst
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Harry N Konst
Lancaster, NY Real Estate Law Lawyer with 19 years of experience
(716) 601-1000 5511 Broadway Street
Lancaster, NY 14086
Free ConsultationReal Estate, Business, Criminal and Divorce
Konst Law provides real estate, divorce, personal injury, corporate and business legal services.
Nicholas A. Taylor
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Nicholas A. Taylor
(716) 636-7600 43 Central Ave
Lancaster, NY 14086
Lancaster, NY Real Estate Law Attorney with 1 year of experience
Real Estate, Business and Insurance Defense
The Pennsylvania State University School of Law
Nicholas A. Taylor is an Associate Attorney in HoganWillig’s Corporate and Business Department, handling contract formation and enforcement, corporate matters regarding formation, restructuring, and dissolution, and issues regarding commercial leasing of property.

Prior to joining HoganWillig, Mr. Taylor practiced insurance defense litigation, representing insurance carriers, employers, and third party administrators in workers’ compensation proceedings throughout Western New York.

Mr. Taylor graduated from Penn State Law at Pennsylvania State University and is an inducted member of the Woolsack Honor Society, which recognizes academic excellence. He is admitted to practice law in New York and is a member of the New York State and...
Alex M. Neurohr
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Alex M. Neurohr
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Lancaster, NY Real Estate Law Lawyer with 5 years of experience
Real Estate, Business, Insurance Defense and Personal Injury
State University of New York at Buffalo School of Law
Alex M. Neurohr is an Associate Attorney currently focusing his practice in our Corporate and Business Department, handling contract formation and enforcement, mergers and acquisitions, and corporate matters regarding formation, restructuring, and dissolution.

Mr. Neurohr also assists our Real Estate Department with property-related matters, including partition actions and boundary disputes, post-closing issues, and mortgage foreclosures.

Mr. Neurohr received his Bachelor of Science in Business Administration with a minor in Marketing from Nova Southeastern University in 2011. He went on to obtain his Juris Doctor from State University of New York at Buffalo Law School, cum laude, in 2014.

Prior to joining HoganWillig,...
Benjamin Calkins Esq
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Benjamin Calkins Esq
Hamburg, NY Real Estate Law Attorney with 37 years of experience
(888) 415-1740 17 Long Avenue
110
Hamburg, NY 14075
Real Estate, Arbitration & Mediation, Business and Securities
University of Michigan Law School
Ben Calkins is an honors graduate of Harvard College and the University of Michigan Law School.After law school, Mr. Calkins clerked for a Federal Judge before joining one of the World's largest law firms, Squire, Sanders & Dempsey.Mr. Calkins has also worked at and been a partner in several of the other most prominent old style law firms.

Ben Calkins started listening to the clients and to their many complaints about old style law firms.Mr. Calkins was committed to complete and total client satisfaction from the start of his legal career and recalls, with some pride, a client at his first...
Leonard Gary London
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Leonard Gary London
Lancaster, NY Real Estate Law Lawyer with 43 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Business, Estate Planning and Tax
Vanderbilt University Law School
In law school, Mr. London specialized in taxation and after graduation joined a large firm in Buffalo where his practice emphasized tax planning for businesses, individuals and estates. Mr. London established his own practice which over the years grew through referrals from clients, accountants and lawyers. His business clients are both small and large U.S. and Canadian companies and credit unions. "When clients have had unusual challenges I have often been able to fashion unique solutions which enabled a transaction to occur. I believe it is not sufficient for a lawyer to tell a client why something can't be done...
Darren M. Swetz
Claimed Lawyer Profile
Darren M. Swetz
Buffalo, NY Real Estate Law Lawyer with 23 years of experience
(716) 210-6575 5488 Sheridan Drive
Suite 500
Buffalo, NY 14221
Real Estate, Elder and Estate Planning
University of Akron
For over 15 years Darren Swetz has been helping individuals and business navigate a range of legal issues to help them achieve financial success, economic stability or a fresh start. At Tully Rinckey PLLC he is a Partner who represents New Yorkers with the preparation of wills, trusts and advanced directives; Medicaid planning; and real estate transactions and leases. Prior to joining Tully Rinckey PLLC, Mr. Swetz served as Managing Partner at Kelly & Swetz for more than a dozen years, where he focused his practice on wealth management and asset preservation. Before that...
Dennis Charles Gaughan
Claimed Lawyer Profile
Dennis Charles Gaughan
Hamburg, NY Real Estate Law Attorney with 36 years of experience
(716) 648-8000 6161 South Park Ave
Hamburg, NY 14075
Free ConsultationReal Estate, Appeals, Bankruptcy and Business
New York Law School
We chose to remain a small law office to provide personal, dedicated and aggressive service to our clients. My office costs a few dollars more but excellent service takes time and strategy. Offsetting our higher fees we have payment plans. We have seven lawyers working together to get the best solutions. As a small firm we call upon all areas of the law to form a comprehensive strategy and plan. As in a game making the right move determines the outcome of the case. A divorce case is often helped by a bankruptcy or our tax law knowledge. We create...
John I LaMancuso
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John I LaMancuso
Buffalo, NY Real Estate Law Attorney with 7 years of experience
(716) 708-4409 37 Franklin St #800
Buffalo, NY 14202
Free ConsultationReal Estate, DWI, Personal Injury and Workers' Comp
SUNY Buffalo Law School
Mr. LaMancuso was born and raised in Western New York and practices in Lewis & Lewis' Jamestown, Olean, and Buffalo offices. He is committed to living and working in Western New York, and his aim is to ensure that the people of our community have a tenacious and effective advocate they can turn to when faced with a difficult legal issue.

Mr. LaMancuso focuses his practice on personal injury litigation, Workers' Compensation, and criminal defense.

Practice Areas:

Personal Injury - Car Accidents, Slip and Fall Accidents, Catastrophic Injuries, Ladder Accidents, Scaffold Accidents, Construction Site Injuries, Motorcycle Accidents, Trucking Accidents, Boating Accidents, Defective Products,...
Nevin Frederic Murchie
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Nevin Frederic Murchie
Williamsville, NY Real Estate Law Attorney
(716) 565-6270 8555 Main Street
Williamsville, NY 14221
Real Estate, Business and Immigration
SUNY Buffalo Law School
Jessica B. Smith
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Jessica B. Smith
Lancaster, NY Real Estate Law Attorney with 6 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Foreclosure Defense and Landlord Tenant
Barry University Dwayne O. Andreas School of Law
Jessica B. Smith is an Associate Attorney in the firm’s Real Estate Law Department; assisting buyers and sellers through the closing process. Ms. Smith also handles post-closing issues, property tax challenges and landlord-tenant issues.

Ms. Smith obtained her B.A. in Government from Saint Lawrence University, and received her Juris Doctor in 2013 from Barry University School of Law in Orlando, FL. Ms. Smith is admitted to practice law in both New York & Florida.

Before joining HoganWillig, Ms. Smith provided legal advocacy to clients facing eviction, assisted clients to obtain and retain housing subsidies and representing clients in public and subsidized...
Margaret Graf Linsner
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Margaret Graf Linsner
Real Estate, Divorce, Estate Planning and Probate
Washington and Lee University School of Law
I am a General Practice Attorney with over 28 years of experience, representing clients in Real Estate closings, Real Estate matters, Estate proceedings (Probate, Administration, Voluntary Administration), Wills, Trusts and Estate Planning, Family Court representation (custody, visitation, child support, adoption), Divorce matters, Contract matters, Business formation, Accident and Personal Injury.
I have successfully represented clients in Livingston, Ontario, Monroe, Steuben, Genesee, Allegany and all surrounding counties.
I am a life-long resident of Livingston County and have extensive experience in all the Courts. Having represented thousands...
Mark Michael Campanella
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Mark Michael Campanella
Fairport, NY Real Estate Law Lawyer with 18 years of experience
(585) 377-4004 6 North Main Street
Suite 250
Fairport, NY 14450
Real Estate, Business and Estate Planning
State University of New York - Buffalo
A native Rochesterian, Mark grew up in Penfield, New York. After attending Bishop Kearney High School, Mark pursued a bachelor's degree in political science at the University of Rochester. While attending the U of R, Mark competed nationally within the University Athletic Association conference for the school's indoor and outdoor Track and Field teams, where he was named the team's field captain for his leadership. In his junior year, Mark was accepted into an accelerated 3-2 program for the school's top ranked Public Policy Analysis Program. Mark's master's thesis was a well-received study on the effects of political action committee...
Vikram Singh Vilkhu
Claimed Lawyer Profile
Vikram Singh Vilkhu
Rochester, NY Real Estate Law Lawyer with 13 years of experience
(585) 232-7400 28 East Main Street
Suite 1800
Rochester, NY 14614
Real Estate, Bankruptcy and Collections
V.S. “Vik” Vilkhu is experienced in matters involving creditor’s rights, trial practice, and criminal litigation. Vik has practiced before trial courts throughout New York and all four Federal District Courts in the State of New York. As the firm’s lead trial attorney, he has broad experience in managing and conducting bench and jury trials and hearings. Vik supervises all of the firm’s complex litigation appearances throughout New York in both State Federal courts. Vik is also the Chair of the firm’s Technology Committee and acts as the firm’s Chief Information Security Officer. He is responsible for all information technology procurement...
Raymond H Caso Jr.
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Raymond H Caso Jr.
Williamsville, NY Real Estate Law Lawyer with 22 years of experience
(716) 634-2497 5488 Sheridan Drive, Suite 500
Williamsville, NY 14221
Real Estate, Elder and Estate Planning
State University of New York - Buffalo
As a Senior Associate in Tully Rinckey PLLC’s Real Estate Law practice, Raymond focuses his practice on commercial and residential real estate financing transactions, commercial real estate transactions and development, title review and commitment preparation. He represents developers in subdivision acquisitions, and he represents lenders in commercial and residential mortgage transactions, as well as commercial and residential purchasers and sellers.

Raymond has extensive experience drafting residential and commercial contracts of sale, leases and mortgage documents including, but not limited to: commitment letters, promissory notes, mortgages, security agreements, assignment of rents and leases, environmental compliance and indemnity agreements, unlimited guarantees and UCC-1...
Michael Timothy Dwan
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Michael Timothy Dwan
Depew, NY Real Estate Law Attorney with 15 years of experience
(716) 683-0300 5136 Transit Road
Suite 100
Depew, NY 14043
Real Estate, Criminal, DWI and Traffic Tickets
State University of New York - Buffalo
Michael T. Dwan is principal of The Law Offices of Michael T. Dwan. Mr. Dwan handles Real Estate transactions, Estate Planning and Criminal Defense. Mr. Dwan is one of the top trial lawyers in Erie County.

Mr. Dwan is the son of longtime Judge and trial attorney Timothy J. Dwan.

Mr. Dwan received his undergraduate degree from Niagara University, and received his J.D. from the University of Buffalo Law School. He has also served as an adjunct criminal justice professor at Erie Community College and is frequently asked to be a guest lecturer at the University of Buffalo.
Kirsten W. Lamb
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Kirsten W. Lamb
Rochester, NY Real Estate Law Attorney with 15 years of experience
(585) 653-8710 171 Rutgers St.
Rochester, NY 14607
Real Estate and Estate Planning
State University of New York - Buffalo
Christopher J. Tyrpak
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Christopher J. Tyrpak
Cheektowaga, NY Real Estate Law Lawyer with 8 years of experience
(716) 288-9175 2560 Walden Avenue, Suite 110
Cheektowaga, NY 14225
Real Estate, Bankruptcy, Estate Planning and Tax
State University of New York - Buffalo
We offer quality legal representation along with the personal attention your case deserves. Our firm focuses on areas of real estate, bankruptcy, estate planning & tax law. We understand that each client's case is unique and promise to devote our expertise and attention to getting you the results you deserve and expect.
Doreen Elizabeth Letty
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Doreen Elizabeth Letty
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Lancaster, NY Real Estate Law Lawyer with 28 years of experience
Real Estate and Foreclosure Defense
State University of New York at Buffalo School of Law
As an attorney in the real estate department, Ms. Letty oversees the everyday operations of all aspects of the real estate practice including buy/sell, mortgage handling, as well as, all transactions that require litigation or attention beyond the normal closing procedure. She is also the principal title insurance attorney who examines titles, prepares preliminary title reports, resolves title problems, and issues final title insurance policies through various title insurance agencies, in an effort to ensure that our clients, whether they are purchasers or banks, are fully protected against adverse title claims that may arise as a consequence of their purchase...
Robert Michalak
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Robert Michalak
Lancaster, NY Real Estate Law Lawyer with 44 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Arbitration & Mediation, Business and Construction
University of Houston Law Center
Robert Michalak represents contractors, owners, and surety companies. His experience includes contract negotiations, bidding issues, project closeout consultation, mechanic's lien and trust fund filings and challenges, and claim prosecution and defense. Mr. Michalak also represents clients in structuring business and shareholder relationships, real estate development and commercial leases. He regularly represents clients in mediation, arbitration, and litigation.

In addition to his Doctor of Jurisprudence, Mr. Michalak has degrees in mechanical and chemical engineering and has held engineering positions in county government and a Fortune 500 company. Mr. Michalak has been a business law lecturer at the University at Buffalo and a...
Kolette Carol Kresses
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Kolette Carol Kresses
North Tonawanda, NY Real Estate Law Lawyer with 29 years of experience
(716) 693-4792 908 Niagara Falls Blvd, Suite 252
The Wurlitzer Building
North Tonawanda, NY 14120
Free ConsultationReal Estate, Immigration and International
Michael E. Reiser
Claimed Lawyer Profile
Michael E. Reiser
Lancaster, NY Real Estate Law Attorney with 3 years of experience
(716) 636-7600 43 Central Ave.
Lancaster, NY 14086
Real Estate, Business and Collections
SUNY Buffalo Law School
Michael Reiser is an Associate Attorney practicing in the firm’s Corporate and Business Department, and handles contract formation and enforcement, corporate matters, collections, and property matters.

Mr. Reiser obtained his B.A. in English, with a minor in Political Science, from John Carroll University, in Cleveland, Ohio. Mr. Reiser received his Juris Doctor from SUNY Buffalo Law School in 2016, graduating cum laude.

Before joining HoganWillig, Mr. Reiser practiced in real estate, mortgage servicing, mortgage foreclosure litigation, and title resolution.
Phillip G Borrelli
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Phillip G Borrelli
Rochester, NY Real Estate Law Attorney
1 Pleasant St, Suite 441
The Michaels-Stern Building
Rochester, NY 14604
Free ConsultationReal Estate
State University of New York - Buffalo
Phillip G. Borrelli is a Rochester, New York-based attorney who focuses in real estate, and historic preservation.
Steven Sessler
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Steven Sessler
Geneseo, NY Real Estate Law Lawyer with 25 years of experience
(585) 243-1340 131 Main Street
P.O. Box 313
Geneseo, NY 14454
Real Estate, Agricultural, Business and Criminal
Washington and Lee University School of Law
Confidential, Competent, Legal Representation
Roberta K Feldman
Claimed Lawyer Profile
Roberta K Feldman
Rochester, NY Real Estate Law Attorney with 39 years of experience
(585) 218-8620 290 Linden Oaks Drive
Suite 200
Rochester, NY 14625
Real Estate, Divorce and Family
Albany Law School
ROBERTA K. FELDMAN is a partner in the firm of Gray & Feldman with offices in Penfield, New York. Her practice includes divorce, family law and real estate. Ms. Feldman is a member of the New York State Bar and Monroe County Bar Associations including their respective Family Law Committees as well as the Greater Rochester Association of Women Attorneys where she served on the Judicial Evaluation Committee. DIVORCE & FAMILY LAW Ms. Feldman applies her extensive knowledge and experience to assist clients during the difficult period of marriage dissolutions, including divorce and legal separation. Her...
Real Estate Lawyers in Nearby CitiesReal Estate Lawyers in Nearby Counties

Alexander Real Estate Legal Aid & Pro Bono Services

Genesee County Office for the Aging
(585) 343-1611
Batavia, NY


Office for the Aging - Wyoming County, New York
(585) 786-8833
Warsaw, NY

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Buying, selling, or renting property?

Real estate refers to land, as well as anything permanently attached to the land, such as buildings and other structures, and covers more than just the drafting of contracts for the purchase and sale of property. Both federal and state laws regulate real estate transactions. The Federal Fair Housing Act, for example, prohibits discrimination in real estate transactions on account of race, color, religion, sex, or national origin. Many states have enacted similar legislation that prohibits discrimination on the basis of certain characteristics.

Attorneys in this field may handle leasing issues, landlord-tenant disputes, eviction proceedings and homeowner association (HOA) problems. Other matters within this practice area include title disputes, mortgages, covenants, easements, and equitable servitudes. Many real estate issues can affect both commercial and individual renters and landlords. Real estate lawyers who represent commercial interests may also focus on land use, zoning, environmental law, or eminent domain issues.

Some states provide a certification for lawyers who have demonstrated experience and competency in the practice of real estate law. These attorneys must meet certain educational, experience, and examination requirements to receive the certification as a specialist.


Deed: The legal document that transfers the ownership of real property from one party to another.

Mortgage: A mortgage is a document signed by a borrower when a loan is made that gives the lender a right to take possession of the property if the borrower fails to repay the loan.

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