Westchester County, New York Real Estate Lawyers

Joseph Andrew Gershman
PREMIUM

Skilled & Dedicated Legal Representation for Your Complex Real Estate Matters!

I am an experienced and knowledgeable real estate attorney. I am committed to aggressive representation for all of your complex real estate needs! Visit my website for verdicts and settlements, call for a consultation. Read More »
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Christie Tomm Addona
PREMIUM

Experienced Real Estate Law Attorney! Advocating for the Best Possible Outcomes!

I am a skilled and determined real estate law attorney. I am dedicated to providing knowledgeable advice and aggressive representation! Visit my website for information and case results, or call for a consultation. Read More »
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Daniel E. Katz
PREMIUM

Determined and Experienced Real Estate Law Attorney! Exceptional Representation!

I am a dedicated and skilled real estate lawyer. I will fight for your rights and interests in real estate law matters. Visit my website for more information and to see past case results, call for a consultation. Read More »
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Steven M. Silverberg
PREMIUM

Exceptional Real Estate Lawyer! Experienced & Knowledgeable Advocacy! Call Now!

I provide excellent legal counsel for a wide array of real estate law matters. I am dedicated to skillfully resolving your real estate situation! Visit my website to see past case results and call for a consultation. Read More »
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Louis Gasparini
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 16 years experience
(914) 304-4353 75 South Broadway 4th Floor
White Plains, NY 10601
Real Estate, Business, Construction and Insurance Defense
Albany Law School
At Lynch Schwab, we handle all legal matters in every county in New York State, and can appear throughout all of Connecticut. We provide clients with thorough, cost conscious and effective representation. All of our attorneys have previously trained at large litigation law firms, and are dedicated to providing the same services which a large firm can provide, but with the small firm personal client relationship. Our Firm handles all aspects of the legal practice, representing major insurers, municipalities, small businesses, large businesses and individuals. We also represent clients on non-litigation matters, such as real estate closings, commercial and business...
James George Dibbini
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 21 years experience
(914) 965-1011 570 Yonkers Avenue
Yonkers, NY 10704
Real Estate and Landlord Tenant
James G. Dibbini & Associates, P.C. take pride in the individual and professional attention we give to each of our clients. We are a full service real estate law firm representing and advising individuals and businesses in Real Estate, Landlord and Tenant matters, Business Organizations, Zoning, Civil Litigation and Division of Housing and Community Renewal matters. The attorneys at James G. Dibbini & Associates, P.C. zealously represent our clients and are committed to giving personalized and prompt attention to every matter. Based in Yonkers, New York, we represent clients throughout New York and Connecticut.
David Lacher
Claimed Lawyer ProfileQ&ASocial Media
Westchester County, NY Real Estate Law Attorney with 41 years experience
(914) 355-5900 270 North Avenue
8th Floor
New Rochelle, NY 10801
Real Estate, Business and International
Syracuse University
Frances A. DeThomas Esq.
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 19 years experience
(914) 967-2114 150 Purchase Street
Suite 4
Rye, NY 10580
Real Estate, Business, Divorce and Estate Planning
Pace Law School
James C. Freeman
Claimed Lawyer ProfileBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney
(855) 228-7369 111 Church St
White Plains, NY 10601
Free ConsultationReal Estate, Business, Criminal and DWI
Pace Law School
Mona Shapiro
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 45 years experience
(914) 666-8033 118 North Bedford Road
Suite 300
Mount Kisco, NY 10549
Real Estate and Business
New York University School of Law
Mona Shapiro is a managing partner at Shapiro Gettinger & Waldinger, LLP. From their office in Westchester County, she handles complex business and real estate litigation cases.
Timothy A. Green
Claimed Lawyer ProfileLII SilverSocial Media
Westchester County, NY Real Estate Law Lawyer with 17 years experience
(914) 683-7900 399 Knollwood Road
Suite 213
White Plains, NY 10603
Real Estate, Construction, Family and Insurance Claims
University of Southern California and Pace Law School
Jared Altman
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 37 years experience
(914) 737-0200 2125 Albany Post Rd
Montrose, NY 10548
Free ConsultationReal Estate, Business, Criminal and Landlord Tenant
Maurice A. Deane School of Law at Hofstra University
Jared Altman has nearly three decades of experience in the legal field. While still in law school he worked in the District Attorney's Office assisting with the prosecution of matters such as driving while intoxicated or impaired, assault and larceny. He also represented disabled persons seeking Social Security Disability benefits. Upon graduating Hofstra University Law School with distinction in 1981, he entered the litigation field with positions at law firms emphasizing personal injury and commercial litigation. There he was exposed to cases involving automobiles, buses, subways, false arrest, infantâs claims, burns and animal bites, to...
Terrence P. Dwyer
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 28 years experience
(845) 849-3706 141 North State Road
Briarcliff Manor, NY 10510
Free ConsultationReal Estate, Employment, Estate Planning and Traffic Tickets
Pace Law School
20 years experience in real estate transactional law and litigation, estate planning and administration. University professor teaching law classes in Real Estate Law and Wills, Trusts & Estate Administration. Experience in land and title issues. Serving the Westchester, Putnam, Orange, Dutchess & Columbia County areas. AV Peer Review Rated, Martindale-Hubbell Highest Rating
Frederick Turner
Claimed Lawyer ProfileLII Bronze
Westchester County, NY Real Estate Law Attorney with 38 years experience
(914) 885-9300 305 Old Tarrytown Road
White Plains, NY 10603
Real Estate, Administrative, Appeals and Municipal
Syracuse University
Turner and Turner was established in 1996 and has provided high-quality legal representation to clients in the business, real estate, environmental and municipal community ever since. Turner & Turner is dedicated to staying at the leading edge of emerging issues and trends providing our clients unparalleled scholarship. Our record of achievement speaks for itself.
Katherine Zalantis
PREMIUM

Skilled & Experienced Real Estate Lawyer! Dedicated to Your Rights & Interests!

I am committed to excellent advocacy in all areas of real estate law. I provide substantial experience and skill to successfully resolve your real estate matters. Visit my website for results or call for a consultation. Read More »
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Gerard Romski
PREMIUM

Skilled & Determined Real Estate Lawyer! Experienced and Successful Advocacy!

I provide excellent legal representation for real estate and land use matters. Expect extensive knowledge and skill in resolving your real estate concerns. Visit my website to see case results or call for a consultation. Read More »
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Sarah J. Cafran
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney
(914) 682-0707 120 White Plains Rd
#305
Tarrytown, NY 10591
Real Estate, Environmental and Municipal
Pace Law School
Andrea Catalina
Claimed Lawyer ProfileLII GoldSocial Media
Westchester County, NY Real Estate Law Lawyer with 7 years experience
(914) 736-0645 1013 Brown St
Peekskill, NY 10566
Free ConsultationReal Estate, Criminal, Divorce and Family
Pace Law School
Christie Tomm Addona
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney with 7 years experience
(914) 682-0707 120 White Plains Rd
#305
Tarrytown, NY 10591
Free ConsultationReal Estate, Appeals, Environmental and Municipal
St. John's University School of Law
Christie Tomm Addona is a partner at Silverberg Zalantis LLC where she works on litigation and appeals, as well as land use applications. She advises municipal boards, including those in the Towns of Haverstraw and Ossining and Village of Tarrytown, acting as lead attorney for the Ossining Town Board and the Zoning Boards of Appeals for both Ossining and Tarrytown. She also counsels parties appearing before municipal land use boards. In addition, Christie has worked on a number of Article 78 proceedings either defending or challenging administrative decisions. She further assists the firm's clients with employment law issues and commercial...
James Maisano
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 26 years experience
(914) 636-1621 93 Wilson Drive
New Rochelle, NY 10801
Free ConsultationReal Estate, Estate Planning and Probate
State University of New York - Buffalo
James Maisano's law office is located in New Rochelle, NY, and he has practiced law in the New York City area for close to 20 years. James has experience working at large international law firms and running his own office as a sole practitioner - while handling all types of cases from large to small in both state and federal court. He has significant experience in all phases of civil litigation. His goal is to always provide quality and affordable legal representation to his clients.

James Maisano practices law in the following areas:

- Real Estate Closings
- Wills and Estates
- Probate...
Peter Howard Tilem
Claimed Lawyer ProfileBlawgsearchSocial Media
Westchester County, NY Real Estate Law Lawyer with 28 years experience
(877) 377-8666 188 E Post Rd
White Plains, NY 10601
Free ConsultationReal Estate, Criminal, Family and White Collar Crime
Pace Law School
Katherine Zalantis
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Westchester County, NY Real Estate Law Lawyer with 23 years experience
(914) 682-0707 120 White Plains Rd
#305
Tarrytown, NY 10591
Free ConsultationReal Estate, Appeals, Business and Construction
Pace Law School
Land Use and Zoning, Environmental and Municipal Law Real Estate Litigation Commercial Litigation Civil Rights (Property Rights) Litigation
Martha L. Osorio
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 37 years experience
(800) 318-9750 203 E Post Rd
1st Floor
White Plains, NY 10601
Real Estate, Bankruptcy, Criminal and Foreclosure Defense
Michael Harold Maizes
Claimed Lawyer Profile
Westchester County, NY Real Estate Law Attorney with 34 years experience
(914) 251-1112 800 Westchester Avenue
345N
Rye Brook, NY 10573
Real Estate, Construction, Estate Planning and Personal Injury
Wake Forest University School of Law
We are a family owned, multi-generational law firm serving New York, New Jersey and Florida. We also have affiliated offices and counsel in Illinois and California. Our two partners have more than 80 years combined experience between them, and our firm is well-established and well-respected. Our clients are treated as family, and with respect and prompt, personal attention. Our services are efficiently performed, we communicate effectively, and our rates are reasonable and competitive. Michael is admitted to practice in New York, New Jersey and Florida and various Federal Courts, including the United States Supreme Court. He graduated from State University...
John Harris Gettinger
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 39 years experience
(914) 666-8033 118 North Bedford Road
Suite 300
Mount Kisco, NY 10549
Real Estate
Pepperdine University
As one of the managing partners of Shapiro Gettinger & Waldinger, LLP, John Gettinger represents Westchester County clients in commercial and residential real estate transactions. He also handles landlord tenant cases for commercial leases.
Steven M. Silverberg
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney
(914) 682-0707 120 White Plains Rd
#305
Tarrytown, NY 10591
Free ConsultationReal Estate, Appeals, Business and Construction
New York University School of Law
Steven M. Silverberg is a partner in Silverberg Zalantis LLC. He has extensive experience in representing developers and municipalities in land use, zoning and environmental law matters including litigation and appeals in the New York State and Federal Courts. Starting his career as an assistant district attorney and then working as a town attorney, providing counsel in such diverse areas as contracts, construction, telecommunications and employment law, prepared him for the services he continues to provide to businesses, municipalities and individuals. In addition to his experience with the approval process for residential and commercial developments and related litigation, he has...
Jules Martin Haas
PREMIUM

Free Consultation! New York Real Estate Attorney with Determination & Skill!

I am dedicated to aggressive advocacy for clients with real estate law needs. I will work diligently to protect your rights and interests! Visit my website to see client reviews and results. Call for a free consultation. Read More »
10.0Justia Lawyer Rating for Jules Martin Haas View Profile
Steven Ben Gordon
PREMIUM

Queens Eviction Lawyer helping landlords evict non-paying holdover tenants.

Dedicated to helping apartment home rental providers and small property landlords successfully navigate the eviction process from start to finish. Read More »
10.0Justia Lawyer Rating for Steven Ben Gordon View Profile
Mary Frances Kelly
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 47 years experience
(914) 631-2657 399 Knollwood Rd
White Plains, NY 10603
Real Estate, Divorce, Estate Planning and Family
New York University School of Law
Mary F. Kelly, a founding member of Kelly & Knaplund, has practiced family law in Westchester, Putnam, Rockland, Dutchess, and New York counties since 1978. Her achievements in the legal community include service as a charter member of the New York State Permanent Judicial Commission on Justice for Children, which has advocated for court reform in the family law arena since 1988, and she has been a member of the Ninth Judicial District Gender Fairness Committee since 1994. A leader throughout her career, Ms. Kelly has served as President of the Women’s Bar Association of the State of New...
Benjamin Adams
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 24 years experience
470 Mamaroneck Avenue #306
White Plains, NY 10605
Free ConsultationReal Estate and Bankruptcy
Brooklyn Law School
Benjamin M. Adams, the founder and principal of Adams Law Group, LLC, has a record of excellence that shows in his legal education and in his legal career.
Melanie Finkel
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 30 years experience
(914) 328-1836 11 Martine Avenue
12th Floor
White Plains, NY 10606
Real Estate, Business and Foreclosure Defense
Benjamin N. Cardozo School of Law
Melanie Finkel has over 25 years of commercial and real estate litigation experience in New York. She represents clients in connection with commercial and business litigation matters and real estate litigation including mortgage foreclosure and alternatives to foreclosure. Melanie also represents clients on real estate transactions including residential closings.
Eric Weiss Esq.
Claimed Lawyer ProfileLII SilverBlawgsearchSocial Media
Westchester County, NY Real Estate Law Lawyer with 28 years experience
(914) 328-6100 1 Barker Ave
Third Floor
White Plains, NY 10601
Real Estate, Business, Foreclosure Defense and Landlord Tenant
Fordham University School of Law
Frank Catalina
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 37 years experience
(914) 736-0087 1013 Brown St
Peekskill, NY 10566
Free ConsultationReal Estate, Criminal, Divorce and Family
University of Bridgeport
Conrad Evan Pollack
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 34 years experience
(800) 223-2814 906 South Street
Peekskill, NY 10566
Real Estate, Appeals, Immigration and Personal Injury
Brooklyn Law School
CONRAD E. POLLACK is the Managing Partner of Pollack, Pollack, Isaac & DeCicco, LLP. He heads the firm’s immigration department. He graduated from New York University in 1981 and from Brooklyn Law School in 1984 with great honors. He was admitted in New York in 1985. Over the course of his career, Mr. Pollack has acquired experience in all aspects of immigration law, including deportation & removal matters, work, trainee and seasonal visas, family-based visas, political asylum and citizenship matters. He is a member of the New York Court Lawyers Association, ILW.com, American Bar Association...
Thomas L. Gallivan
Claimed Lawyer ProfileBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney with 22 years experience
(855) 228-7369 111 Church St
White Plains, NY 10601
Free ConsultationReal Estate, Criminal, DWI and Estate Planning
St. John's University School of Law
Hayley A. Chittenden
Claimed Lawyer ProfileBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney
(877) 377-8666 188 E Post Rd
White Plains, NY 10601
Real Estate, Business, Criminal and Personal Injury
Pace Law School
Alexander Robert Fink
Claimed Lawyer ProfileResponsive Law
Westchester County, NY Real Estate Law Lawyer with 17 years experience
(914) 487-4324 15 Fisher Lane, Suite 200
White Plains, NY 10603
Free ConsultationReal Estate, Collections, Construction and Landlord Tenant
Brooklyn Law School
Fink Law, P.C. was founded by Alexander Fink in 2018 with the goal of helping clients like you resolve and prevent problems through cost effective legal representation. Alexander Fink is an attorney with over 18 years of legal expertise in all areas of commercial litigation, regulatory compliance, and business/corporate law. Throughout his career, Mr. Fink has successfully helped individuals and businesses resolve legal problems by effectively litigating disputes and advising clients on how to protect their rights. He has extensive experience and an outstanding track record of successfully recovering millions of dollars for his clients.

College:
• Hobart College/With Honors...
Srdjan Milenkovic
Claimed Lawyer Profile
Westchester County, NY Real Estate Law Attorney with 3 years experience
(914) 202-0610 73 Market St. Suite 376
Yonkers, NY 10710
Free ConsultationReal Estate, Immigration and Personal Injury
SUNY Buffalo Law School
Milenkovic Law Group PLLC strives to provide our clients with cost-effective and personalized solutions.

We know that it’s a good day when you need to get in touch with the good lawyer that can help you achieve your goals through a legal process so we aim to make it as comfortable for you as we possibly can. We believe in offering transparency to our clients and grant them complete access to our lawyers during closings, settlements & trials.

When you hire us as your legal representatives, we consider you as part of the team! We’ll work closely with you to devise customized...
Daniel A. Singer
PREMIUM

Free Phone Consultation! Determined & Dedicated Real Estate Attorney! Call Now!

I am a result-driven real estate lawyer. I strive to provide affordable solutions, hand-tailored to the unique needs of each client. I work for the best possible outcomes! Visit my website, call for a free consultation. Read More »
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Megan Gardner
PREMIUM

Dedicated & Skilled Real Estate Attorney! Attentive & Aggressive Advocacy!

I am an experienced and knowledgeable real estate law attorney. I provide exceptional legal representation for your real estate matters. Visit my website to see case settlements and verdicts, or call for a consultation. Read More »
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Allison Marie Marfeo
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 18 years experience
(914) 761-0381 30 Glenn Street
Suite 301
White Plains, NY 10603
Free ConsultationReal Estate and Probate
Experienced Attorney with a demonstrated history of working in the legal services industry.

Skilled in Real Estate, Leasing, Contracts, Negotiations, and Financing.

Strong legal professional graduated from Brooklyn Law School.

Commercial real estate conveyancing, acquisitions and financing.

Residential real estate sales and purchases.

Commercial and residential leases.

Cooperative and Condominium board representation.

Licensed to practice law in NY and CT.
Manuel J.  Machado
Claimed Lawyer Profile
Westchester County, NY Real Estate Law Lawyer with 17 years experience
(914) 949-4918 200 Mamaroneck Ave.
Ste 403
White Plains, NY 10601
Free ConsultationReal Estate, Bankruptcy, Criminal and Divorce
Western Michigan University Cooley Law School
Joshua H. Klapper
Claimed Lawyer ProfileBlawgsearchSocial Media
Westchester County, NY Real Estate Law Lawyer with 41 years experience
(914) 287-6466 170 Hamilton Ave
White Plains, NY 10601
Free ConsultationReal Estate, Business, Collections and Landlord Tenant
Maurice A. Deane School of Law at Hofstra University
Gary O'Brien
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 19 years experience
(646) 727-0038 100 Fisher Ave #93
White Plains, NY 10602
Real Estate and Business
New York Law School
As General Counsel and Senior Vice President to the Hudson River Park Trust, Gary provides legal advice and representation to the Trust and its Board of Directors on a broad range of issues related to Park development, maintenance, and operations. Gary is also the manager of the Trust's legal department staff. Since 2004, Gary has been privileged to combine legal, executive, and operational experience to collaborate with colleagues of all levels to minimize, mitigate, and manage risk, improve operational efficiency, and deliver results.
Daniel A. Fass
Claimed Lawyer ProfileLII SilverBlawgsearchSocial Media
Westchester County, NY Real Estate Law Lawyer with 41 years experience
(914) 287-6466 170 Hamilton Ave
White Plains, NY 10601
Free ConsultationReal Estate, Business, Construction and Landlord Tenant
Maurice A. Deane School of Law at Hofstra University and University of Wisconsin Law School
Jeffrey Mitchell Binder
Claimed Lawyer Profile
Westchester County, NY Real Estate Law Lawyer with 22 years experience
(914) 946-3191 68 East Post Road, suite 200
White Plains, NY 10601
Real Estate, Bankruptcy, Business and Criminal
Carolyn L. Weiss Esq.
Claimed Lawyer ProfileLII SilverBlawgsearchSocial Media
Westchester County, NY Real Estate Law Attorney with 27 years experience
(914) 328-6100 1 Barker Ave
Third Floor
White Plains, NY 10601
Real Estate, Business and Estate Planning
Case Western Reserve University School of Law
Martha Sokol Mccarty
Claimed Lawyer Profile
Westchester County, NY Real Estate Law Attorney with 38 years experience
(914) 698-1110 Suite 105
Mamaroneck, NY 10543
Real Estate
Albany Law School
I have been admitted to the practice of law since 1981. My practice concentrates on areas of law relating to real estate: residential and commercial closings, zoning and planning issues, and representation in the local courts and town and village boards.
John Manning Crane
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Lawyer with 21 years experience
(914) 937-7272 342 N Main St
Port Chester, NY 10573
Free ConsultationReal Estate, Business and Probate
Pace Law School
We are a law firm that focuses on real estate transactions. We enable busy professionals, celebrities, and entrepreneurs to focus on what they do best and provide them with a way to effortlessly buy and sell real estate. By entrusting the entire process to us, you eliminate all of the things typically required of a buyer or seller that cause most people stress! Our process allows clients to minimize their involvement and enables them to use this time saved to engage in more profitable activities without the fear of missed deadlines. Many of our past clients have found that...
Erin Kathleen Flynn
Claimed Lawyer ProfileSocial Media
Westchester County, NY Real Estate Law Attorney with 9 years experience
(914) 472-6202 4 New King Street
Suite 140
White Plains, NY 10604
Real Estate, Bankruptcy, Foreclosure Defense and Landlord Tenant
American University Washington College of Law
Peter Klose
PREMIUM

Westchester County, NY Real Estate Law Lawyer with 25 years experience

Klose & Associates offers various legal services to individuals and businesses, including business entity formation, contract preparation and negotiation, litigation, buying and selling personal and business assets,... Read More »
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Adam C. Wilner
PREMIUM

New York Real Estate Law Lawyer with 19 years experience

Broad legal background with more than 15 years experience in commercial litigation, corporate transactions, real estate law, and estate litigation. Experience providing counsel to private corporations in a small firm... Read More »
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Westchester County Real Estate Legal Aid & Pro Bono Services

Westchester County Department of Senior Programs and Services
(914) 813-6300
Mount Vernon, NY


Northern Manhattan Improvement Corporation
(212) 822-8300
New York, 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.