Yorktown Heights Real Estate Lawyers

Compare 424 top rated New York attorneys serving Yorktown Heights.
Shane Dwight Scott
PREMIUM

New York Real Estate Law Attorney with 17 years experience

New York Law SchoolDistrict Court of State of New York – Southern District of New York, District Court of the State of New York – Eastern District of New York and New York
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Eric Weiss Esq.
PREMIUM

New York Real Estate Law Lawyer with 29 years experience

Fordham University School of LawNew York, U.S. District Court, Eastern District of New York and U.S. District Court, Southern District of New York
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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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Robert J. Howard
PREMIUM

Dedicated Real Estate Law Attorney! Personal Service & Technical Knowledge!

I am an experienced and skilled real estate attorney. I am committed to providing my clients with a wide range of legal services related to real estate law. Visit my website for case results or call for a consultation. Read More »
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Daniel Robert Tota
Claimed Lawyer ProfileSocial Media
Yorktown Heights, NY Real Estate Law Lawyer with 16 years experience
(914) 245-6060 2000 Maple Hill Street
Suite 206
Yorktown Heights, NY 10598
Real Estate, Business, Landlord Tenant and Personal Injury
Brooklyn Law School
Daniel R. Tota is a partner at the Yorktown Heights legal office, Durante, Bock & Tota, PLLC. He primarily devotes his practice to real estate and business transactions, but he also handles criminal defense cases, estate planning and civil litigation matters. Mr. Tota is admitted to the New York State Bar and the Connecticut State Bar, and is a member of the Westchester County Bar Association, the Yorktown Bar Association, and the Yorktown Chamber of Commerce. To find out more about the representation offered by Attorney Tota, do not hesitate to give the firm a call today.
YORKTOWN HEIGHTS, NY Real Estate Law Attorney with 48 years experience
(914) 736-6500 PO BOX 308
YORKTOWN HEIGHTS, NY 10598
Real Estate and Estate Planning
St. John's University School of Law
Yorktown Heights, NY Real Estate Law Lawyer with 36 years experience
(914) 962-0900 40 Triangle Center
Yorktown Heights, NY 10598
Real Estate, Bankruptcy and Business
Yorktown Heights, NY Real Estate Law Lawyer with 37 years experience
(914) 245-8782 1170 Park Ln
Yorktown Heights, NY 10598
Real Estate and Estate Planning
Pace Law School
Yorktown Heights, NY Real Estate Law Attorney with 61 years experience
(914) 245-6525 2340 Broad St
Yorktown Heights, NY 10598
Real Estate and Estate Planning
Fordham Law School and Fordham University School of Law
YORKTOWN HTS, NY Real Estate Law Attorney with 70 years experience
(914) 962-5513 1961 COMMERCE ST
YORKTOWN HTS, NY 10598
Real Estate
Brooklyn Law School
Yorktown Heights, NY Real Estate Law Attorney with 46 years experience
(914) 245-2277 1940 Commerce St Ste 203
Yorktown Heights, NY 10598
Real Estate, Business and Estate Planning
Brooklyn Law School
Yorktown Heights, NY Real Estate Law Lawyer with 32 years experience
(914) 962-0778 2649 Strang Blvd Ste 303
Yorktown Heights, NY 10598
Real Estate
Pace Law School
YORKTOWN HEIGHTS, NY Real Estate Law Lawyer with 33 years experience
(914) 962-6100 360 UNDERHILL AVE
YORKTOWN HEIGHTS, NY 10598
Real Estate and Personal Injury
New York Law School
YORKTOWN HEIGHTS, NY Real Estate Law Lawyer with 45 years experience
(914) 962-4300 1875 GLENROCK ST
YORKTOWN HEIGHTS, NY 10598
Real Estate and Estate Planning
Fordham University School of Law
Trista L. Watson
PREMIUM

Dedicated Real Estate Attorney! Aggressive and Knowledgeable! Call Now!

I am an experienced and skilled New York real estate attorney. I offer exceptional service and advocacy in all areas of real estate law. Visit my website to see case verdicts and settlements. Call for a consultation. Read More »
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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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Yorktown Heights, NY Real Estate Law Lawyer with 31 years experience
(914) 245-0900 2000 Maple Hill St
Yorktown Heights, NY 10598
Real Estate
Benjamin N. Cardozo School of Law
YORKTOWN HEIGHTS, NY Real Estate Law Lawyer with 34 years experience
(914) 245-6250 1940 COMMERCE STREET, SUITE 305
YORKTOWN HEIGHTS, NY 10598
Real Estate and Business
Quinnipiac University School of Law
Ralph Zucker
Claimed Lawyer Profile
Lake Mohegan, NY Real Estate Law Lawyer with 33 years experience
(914) 528-8450 3171 Lakefront Ave
Lake Mohegan, NY 10547
Free ConsultationReal Estate and Landlord Tenant
Pace Law School
John W. Buckley
Claimed Lawyer ProfileSocial Media
Yorktown Heights, NY Real Estate Law Lawyer with 41 years experience
(914) 962-7272 1767 Front Street
Yorktown Heights, NY 12533
Real Estate, Business, Elder and Tax
Syracuse University College of Law
Gregory J. Tarone
Claimed Lawyer ProfileQ&ASocial Media
Mount Kisco, NY Real Estate Law Lawyer with 40 years experience
(914) 864-3354 118 North Bedford Road
First Floor, Suite 100
Mount Kisco, NY 10549
Free ConsultationReal Estate, Business, Entertainment & Sports and Estate Planning
Georgetown University Law Center
With more than 30 years of sports law background, having been a certified NCAA, NBA and NFL agent, and manager of a dozen LPGA golfers, and advised Olympic athletes, Mr. Tarone has also been in the amateur and professional sports arenas as a writer, lecturer at MICLE in NYC for continuing legal education but an attendee at annual Harvard Law sports symposia. He was a founding member of the Entertainment, Arts & Sports Law Section of The Florida Bar in 1990, and is the lead attorney in representing student-athlete Noriana Radwan in Radwan v. UConn. et al., USDC D.Conn 3:16-cv-02091on...
Conrad Evan Pollack
Claimed Lawyer ProfileSocial Media
Peekskill, NY Real Estate Law Attorney with 35 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...
Jared Altman
Claimed Lawyer ProfileSocial Media
Montrose, NY Real Estate Law Attorney with 38 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...
Frank Catalina
Claimed Lawyer ProfileOffers Video ChatSocial Media
Peekskill, NY Real Estate Law Lawyer with 38 years experience
(914) 736-0087 1013 Brown St
Peekskill, NY 10566
Free ConsultationOffers Video ChatReal Estate, Criminal, Divorce and Family
University of Bridgeport
The Catalina Law Firm is a small, full-service firm dedicated to providing attentive service and tailored legal solutions to advance your interests. We strive to create lasting client relationships by comprehensively meeting all of your legal needs. Our experienced Westchester County divorce lawyers can guide you through family law proceedings, and we can also help you fight charges like DUI and drug crimes. The Catalina Law Firm can help buyers and sellers navigate real estate transactions, and we know how to assist businesses in protecting their interests during commercial litigation. From our office in Poughkeepsie, we serve clients throughout Westchester,...
Bernis E. Nelson
Claimed Lawyer Profile
Peekskill, NY Real Estate Law Attorney with 38 years experience
(914) 739-5250 1010 Park Street
Peekskill, NY 10566
Real Estate, Estate Planning, Municipal and Probate
New York Law School
Primary practice fields are municipal, land use, real estate law. estate planning, and probate.
John Harris Gettinger
Claimed Lawyer ProfileSocial Media
Mount Kisco, NY Real Estate Law Lawyer with 40 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.
Adam C. Wilner
PREMIUM

New York Real Estate Law Lawyer with 21 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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Andrea Catalina
PREMIUM

Free Consultation! Attentive Service and Exceptional Legal Representation!

I am dedicated to diligently and attentively advocating for those with real estate law matters. I am committed to exceptional legal representation! Visit my website for more information or call for a free consultation. Read More »
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Mona Shapiro
Claimed Lawyer ProfileSocial Media
Mount Kisco, NY Real Estate Law Attorney with 46 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.
Andrea Catalina
Claimed Lawyer ProfileLII GoldSocial Media
Peekskill, NY Real Estate Law Lawyer with 8 years experience
(914) 736-0645 1013 Brown St
Peekskill, NY 10566
Free ConsultationReal Estate, Criminal, Divorce and Family
Pace Law School
Jonathan M Victor
Claimed Lawyer ProfileSocial Media
Mahopac, NY Real Estate Law Attorney with 10 years experience
(914) 263-9779 963 Route 6
Mahopac, NY 10541
Real Estate, Construction, Divorce and Landlord Tenant
Albany Law School
Jonathan M. Victor, Esq. set up the Law Office of Jonathan Victor PLLC in 2012 and expanded to Connecticut in 2014. He is your Mahopac lawyer and New Fairfield lawyer happy to help with divorce law, real estate law, civil litigation, and much more!
Cory Alan Levine
Claimed Lawyer ProfileSocial Media
Somers, NY Real Estate Law Lawyer with 26 years experience
(914) 276-0222 352 Route 202
Somers, NY 10589
Real Estate, Business and Probate
New York Law
Andrew Brodnick
Claimed Lawyer Profile
Mount Kisco, NY Real Estate Law Lawyer with 34 years experience
(914) 244-0060 126 Barker Street
Mount Kisco, NY 10549
Real Estate, Business, Landlord Tenant and Probate
Andrew D. Brodnick, Esq. has nearly 30 years of experience in real estate litigation (including contract disputes, title issues, easements, adverse possession, variances, landlord tenant law), real estate transaction work, general commecial litigation and surrogate's court work.
Susan Caplin
Claimed Lawyer Profile
Mt Kisco, NY Real Estate Law Lawyer with 27 years experience
(914) 244-3300 344 E Main St
Mt Kisco, NY 10549
Real Estate, Divorce, Family and Probate
Pace Law School
Glen Malia
Claimed Lawyer Profile
Cortlandt Manor, NY Real Estate Law Attorney with 36 years experience
(914) 788-4126 2117 Crompond Road
Suite 25
Cortlandt Manor, NY 10567
Real Estate, Criminal, Divorce and Domestic Violence
Brooklyn Law School
Robert F. Davis
Claimed Lawyer Profile
Mount Kisco, NY Real Estate Law Lawyer with 40 years experience
(914) 666-4400 120 East Main Street
Mount Kisco, NY 10549
Real Estate, Business, Construction and Estate Planning
Mr. Davis is a partner in the law firm Singleton, Davis & Singleton in Mount Kisco, New York. He specializes in the areas of zoning and real property law, as well as civil litigation and appeals in Westchester, Putnam, or Duchess Counties. Contact him for help in resolving a wide array of real property and land use matters; contract, business and construction disputes; landlord/tenant matters; adjoining property issues; and foreclosures.
George H. Roberts
Claimed Lawyer Profile
Katonah, NY Real Estate Law Lawyer with 58 years experience
(914) 232-2222 200 Katonah Avenue
Katonah, NY 10536
Real Estate, Education, Elder and Estate Planning
George H. Roberts, Esq. is the Managing Partner of the Firm and has been practicing estate planning and administration since 1975. His emphasis is on estate planning and administration, elder law and school law. He also provides services in real estate and assists those clients who own a family business. Mr. Roberts was a Town Justice in Lewisboro for many years, and is also a Certified Hearing Officer for the New York State Department of Education.
Karen Ford Edler
Claimed Lawyer ProfileOffers Video ChatSocial MediaResponsive Law
White Plains, NY Real Estate Law Attorney with 35 years experience
(914) 251-1618 4 West Red Oak Lane
Suite 302
White Plains, NY 10604
Offers Video ChatReal Estate, Education, Estate Planning and Landlord Tenant
New York Law School
Karen Edler is the founder of the PMSD Education Law Group. She advocates for parents and students to obtain a free, appropriate public education for students with disabilities under the Individuals with Disabilities Education Act (“IDEA”), Section 504 & related laws. Ms. Edler's services include reviewing Individual Education Plans (“IEP”) & Section 504 Plans, attending meetings and filing due process petitions when necessary. Ms. Edler represents students with any educational issues including academic issues, school disciplinary cases, bullying cases and collegiate academic and disciplinary matters. Ms. Edler handles special needs planning, Special Needs Trusts, guardianship applications & social security appeals....
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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Christie Tomm Addona
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Tarrytown, NY Real Estate Law Attorney with 8 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. She has extensive experience working on Litigation and Appeals, Land Use Applications, and Municipal matters. She represents clients on Article 78 Proceedings, defending and challenging administrative decisions. Additionally, Christie also counsels on Employment Law and Commercial Litigation issues.

Christie has prior experience in several Civil Litigation firms. She has worked from the beginning of lawsuits through trials and appeals for Insurance Defense, Tort, Maritime, Contract and Employment Law cases. Christie has represented a vast array of clients including individuals, large corporations, and non-profit corporations.

In 2005, Christie received...
Peter Howard Tilem
Claimed Lawyer ProfileOffers Video ChatBlawgsearchSocial MediaResponsive Law
White Plains, NY Real Estate Law Lawyer with 29 years experience
(877) 377-8666 188 E Post Rd
White Plains, NY 10601
Free ConsultationOffers Video ChatReal Estate, Criminal, Family and White Collar Crime
Pace Law School
Peter Tilem’s legal career started in September of 1991 as an Assistant District Attorney in the New York County District Attorney’s Office in Manhattan, where he was assigned to the prosecution and investigation of hundreds, if not thousands, of criminal cases—including violent crimes, white collar crimes and homicides.

Since founding Tilem & Associates, PC, Mr. Tilem has continued to litigate in both state and federal courts and has continued his representation of clients involved in high-profile cases. Mr. Tilem appears regularly in the newspaper and on television concerning his representation in such cases and as a legal commentator. He is...
Benjamin Adams
Claimed Lawyer ProfileSocial Media
White Plains, NY Real Estate Law Attorney with 25 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.
Thomas L. Gallivan
Claimed Lawyer ProfileBlawgsearchSocial Media
White Plains, NY Real Estate Law Attorney with 15 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
Thomas L. Gallivan represents individuals and families in matters of nursing home neglect and abuse, medical malpractice and personal injury. Prior to founding the firm, Gallivan & Gallivan, Attorneys at Law, Mr. Gallivan defended nursing homes, physicians, and hospitals, as well as their insurers. As a result of this experience, Mr. Gallivan is very familiar with the strategies employed by nursing homes, physicians, hospitals and their insurers. He uses his experience defending these matters to the benefit of his current clients, victims of nursing home neglect/abuse, medical malpractice or personal injury.

Mr. Gallivan also serves as counsel to individuals accused of...
Katherine Zalantis
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Tarrytown, NY Real Estate Law Lawyer with 25 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
Mary Frances Kelly
Claimed Lawyer ProfileSocial Media
White Plains, NY Real Estate Law Attorney with 48 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...
Steven M. Silverberg
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Tarrytown, NY Real Estate Law Attorney with 47 years experience
(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 founder of the firm and Of Counsel to 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 has provided to businesses, municipalities and individuals. In addition to his experience with the approval process for residential and commercial developments...
James C. Freeman
Claimed Lawyer ProfileBlawgsearchSocial Media
White Plains, NY Real Estate Law Attorney with 30 years experience
(855) 228-7369 111 Church St
White Plains, NY 10601
Free ConsultationReal Estate, Business, Criminal and DWI
Pace Law School
James C. Freeman, Of Counsel to Law Offices of Thomas L. Gallivan, PLLC, Attorneys at Law, is a highly experienced civil litigator who has recovered millions of dollars on behalf of his clients. His personal injury and medical malpractice verdicts and settlements have been publicized in various media outlets. Early on in his legal career, Mr. Freeman worked as an Assistant County Attorney for Westchester County from 1990-1995. Mr. Freeman also represented physicians and hospitals at a well respected defense firm. His experience on both sides of the aisle works to the benefit of all his current clients, medical malpractice...
Hayley A. Chittenden
Claimed Lawyer ProfileOffers Video ChatBlawgsearchSocial Media
White Plains, NY Real Estate Law Attorney with 4 years experience
(877) 377-8666 188 E Post Rd
White Plains, NY 10601
Offers Video ChatReal Estate, Business, Criminal and Personal Injury
Pace Law School
Hayley A. Chittenden is a civil litigation attorney who practices a wide range of areas including but not limited to, commercial litigation, construction law, real estate law, matrimonial law and trusts and estates law. She litigates matters from their inception to resolution. Ms. Chittenden is a sharp and relentless advocate in the courtroom and a collaborative and innovative deal-maker when negotiating. She is passionate about her career and the legal system but most importantly, her clients and the outcome of their cases.

Ms. Chittenden is admitted to practice in the state of New York and the U.S. District Court...
Daniel F. Gallivan
Claimed Lawyer ProfileBlawgsearchSocial Media
White Plains, NY Real Estate Law Attorney with 46 years experience
(855) 228-7369 111 Church St
White Plains, NY 10601
Free ConsultationReal Estate, Criminal, Domestic Violence and Personal Injury
St. John's University School of Law
Daniel F. Gallivan graduated from St. John’s University School of Law in 1972. Since then, he has been practicing law in the New York area, including the five boroughs, and Westchester, Rockland and Orange counties. Mr. Gallivan serves as trial counsel to the firm, Gallivan & Gallivan, Attorneys at Law, in medical malpractice, personal injury, criminal and DWI matters. He has recovered millions of dollars on behalf of his personal injury and medical malpractice clients. In addition, his reputation for representing criminal defendants is unparalleled. Mr. Gallivan has tried many criminal cases to verdict with...
Carolyn L. Weiss Esq.
PREMIUM

New York Real Estate Law Attorney with 28 years experience

Case Western Reserve University School of LawNew York and U.S. District Court, Southern District of New York
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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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Yorktown Heights Real Estate Legal Aid & Pro Bono Services

Rockland County Office for the Aging
(843) 483-8300
Pomona, NY


Empire Justice Center
White Plains, 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.