Bensalem, Pennsylvania Real Estate Lawyers

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Kandis L. Kovalsky
Kandis L. Kovalsky
PREMIUM

Pennsylvania Real Estate Law Lawyer

JustiaAssociate Kandis Kovalsky is an accomplished business lawyer representing both corporate and individual clients in a broad range of complex commercial litigation matters in Pennsylvania and New Jersey... Read More »
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Michael Bomstein
Michael Bomstein
PREMIUM

Over 40 years of experience in real estate litigation and business transactions.

Philadelphia lawyer Michael Bomstein has negotiated complex business and real estate transactions, resolved partnership and real estate disputes and litigated complicated partnership lawsuits.
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Ashley Peacock
Ashley Peacock
PREMIUM

Pennsylvania Real Estate Law Lawyer

Temple University Beasley School of LawPennsylvania
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Harris J. Chernow
Harris J. Chernow
PREMIUM

Pennsylvania Real Estate Law Attorney

Harris J. Chernow, Chair of Reger Rizzo & Darnall’s national Franchise & Distribution Practice Group, and member of the Firm’s Entertainment, Hospitality & Sports Law Group, concentrates his... Read More »
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Stephan Goldstein
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Bensalem, PA Real Estate Law Attorney with 50 years experience
(215) 809-3882 2410 Bristol Road
 Bensalem, PA 19020
Real Estate
Columbia Law School
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Stephan Goldstein has nearly forty years of experience counseling developers, owner-operators, investors and institutions in the purchase, sale, development, leasing, debt and equity financing and workout of apartment buildings, shopping centers, office buildings, industrial properties and residential tracts and subdivisions. His representation has included the creation of a number of business entities and substantial work on behalf of developers and municipalities in zoning and land development matters, as well as extensive involvement as a principal (investor-developer) in numerous real estate ventures.
Harry Metka
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Bensalem, PA Real Estate Law Lawyer with 8 years experience
(267) 568-2965 4802 Neshaminy Blvd, Ste 9
 Bensalem, PA 19020
Real Estate, Elder, Estate Planning and Probate
Drexel University
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James Metka
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Bensalem, PA Real Estate Law Attorney with 38 years experience
(267) 568-2965 4802 Neshaminy Boulevard
Suite 9
 Bensalem, PA 19020
Real Estate, Elder, Estate Planning and Probate
Widener University Delaware School of Law
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Joseph J. Marinaro
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Feasterville, PA Real Estate Law Lawyer with 35 years experience
(215) 364-8863 421 Bustleton Pike
 Feasterville, PA 19053
Free ConsultationReal Estate, Business, Construction and Personal Injury
Temple University
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I have over 30 years of experience in handling claims for individuals and businesses. I take pride in handling all services for clients on a personal basis. Clients speak with me directly when calling without having to go through receptionists, secretaries and voice prompts. If I am out of the office, voice mail messages and e-mails are returned promptly on the same day within hours.
Jeffrey Jacob Goldin
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Philadelphia, PA Real Estate Law Attorney with 6 years experience
(215) 437-3058 9637 Bustleton Avenue
 Philadelphia, PA 19115
Free ConsultationReal Estate, Criminal, Employment and Traffic Tickets
Widener University Delaware School of Law
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Aggressive representation in and out of the courtroom. As a member of the litigation department at Greg Prosmushkin, P.C., I focus on ensuring my clients have zealous representation in all their matters. My primary practice focuses on; Personal Injury; Criminal Defense; DUI/DWI; Motor Vehicle and Traffic Offenses; Contract Disputes; Employee Wage Disputes and Unemployment Appeals. I am a member of several legal associations such as the New Jersey State Bar Association, the Philadelphia Bar Association, Pennsylvania Trial Lawyers Association and the American Bar Association.
Samuel Gerald Forte Esq
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Philadelphia, PA Real Estate Law Attorney with 33 years experience
(215) 332-5888 9225 Frankford Avenue
 Philadelphia, PA 19114
Free ConsultationReal Estate, Criminal, DUI and Probate
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The Law Offices Of Samuel G. Forte, Esquire, located in N.E. Philadelphia, is a full service Law Firm providing a comprehensive range of Legal Services, with honesty and integrity, throughout Pennsylvania. Our Firm is dedicated to prompt Client communication and complete Client satisfaction. There is ample free parking and our office building is easily accessible by Public Transportation and all Roadways.
Michael Kuldiner
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Feasterville, PA Real Estate Law Attorney with 14 years experience
(215) 942-2100 922 Bustltone Pike
 Feasterville, PA 19053
Free ConsultationReal Estate, Divorce, Estate Planning and Family
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Karen Ulmer Pendergast
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Langhorne, PA Real Estate Law Lawyer with 23 years experience
(215) 752-6200 174 Middletown Blvd.
Suite 300
 Langhorne, PA 19047
Free ConsultationReal Estate, Divorce, Family and Probate
Widener University Delaware School of Law
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Karen Ulmer Pendergast is a family lawyer serving the needs of clients across Pennsylvania and New Jersey. She has the education and experience to confront all legal issues in the area of divorce, custody and support having a broad educational background with a B.S. in psychology, and two law degrees. She also has trained and received certificates in family law mediation as well as basic mediation. In addition to her education, her personal experiences enable her to relate very well to a broad range of clients, having experienced first hand the realities of joint custody, primary custody...
Mark Yurovsky
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Southampton, PA Real Estate Law Attorney with 18 years experience
(215) 969-3004 1111 Street Road, Suite 305
 Southampton, PA 18966
Free ConsultationReal Estate, Divorce, Foreclosure Defense and Personal Injury
Widener University Delaware School of Law
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Mr. Yurovsky specializes in all areas of civil and commercial litigation, family law and real estate matters. Mr. Yurovsky received both his Bachelor of Business Administration and Master of Business Administration Degrees from Temple University. He received his Jurist Doctorate from Widener University, Delaware.
Brian Scott Chacker
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Philadelphia, PA Real Estate Law Attorney with 19 years experience
1726 Welsh Road
 Philadelphia, PA 19115
Real Estate, Landlord Tenant, Medical Malpractice and Personal Injury
Villanova University School of Law
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Brian S. Chacker concentrates his practice in the areas of personal injury, premises liability and medical malpractice litigation, as well as all aspects of commercial litigation, real estate litigation and landlord-tenant disputes. He received his Juris Doctor from Villanova University School of Law and his Bachelor of Arts from the University of Pennsylvania. Mr. Chacker was listed as a Rising Star in the December, 2005 issue of Philadelphia Magazine. Mr. Chacker is admitted to practice in Pennsylvania and New Jersey.
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Jerome R. Balka
Jerome R. Balka
PREMIUM

Pennsylvania Real Estate Law Attorney

University of Pennsylvania Law SchoolNew Jersey and Pennsylvania
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George J. D'Ambrosio
George J. D'Ambrosio
PREMIUM

Pennsylvania Real Estate Law Lawyer

Villanova University School of Law3rd Circuit, Pennsylvania and U.S. District Court, Eastern District of Pennsylvania
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John M. Kenney
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Fairless Hills, PA Real Estate Law Lawyer with 35 years experience
(215) 547-3031 308 N Oxford Valley Rd
 Fairless Hills, PA 19030
Free ConsultationReal Estate, Bankruptcy, Criminal and Divorce
Temple University Beasley School of Law
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Michael Drew Raisman
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Langhorne, PA Real Estate Law Attorney with 12 years experience
(215) 752-6200 174 Middletown Blvd.
Suite 300
 Langhorne, PA 19047
Free ConsultationReal Estate, Estate Planning, Family and Probate
Syracuse University College of Law
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Attorney Michael D. Raisman is a resident of Montgomery County, Pennsylvania and is licensed to practice law in Pennsylvania and New Jersey. Mr. Raisman received his Juris Doctorate degree from Syracuse University College of Law in 2006. Prior to that, he received his Bachelor of Science degree in Mathematical Sciences along with a minor in Business Administration from Carnegie Mellon University in Pittsburgh, PA. Mr. Raisman has practiced law since 2006, spending most of his career in Bucks County. He focuses in the areas of family law, estate administration, and real estate law.
Christopher Mahoney
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Newtown, PA Real Estate Law Lawyer with 9 years experience
(215) 968-4700 2 N. State Street
P.O. Box 70
 Newtown, PA 18940
Real Estate, Business, Estate Planning and Landlord Tenant
Seton Hall University School of Law
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Charles Ormsby
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(215) 887-2045 2617 Huntingdon Pike
 PA 19006
Real Estate, Business and IP
The George Washington University Law School
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Mr. Ormsby is the Chairman of the firm’s corporate department and as such serves as counsel to a variety of entities and businesses ranging from regional financial institutions to non-profit corporations and from sole proprietorships to multi-national corporations. He is co-founder of Building a Bridge to Uganda, a 501(c)(3) organization serving the spiritual and physical need of people in Ibanda, Uganda, East Africa. Over the years, Mr. Ormsby has developed the firm’s commercial/transactional practice into a multi- lawyer commercial department with extensive experience and capabilities in a variety of areas including employment law, intellectual property, real estate, commercial...
Robert Thomas Repko
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Doylestown, PA Real Estate Law Lawyer with 21 years experience
87 North Broad Street
Suite 2
 Doylestown, PA 18901
Real Estate, Construction, Divorce and Family
Dickinson School of Law
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As a founding partner, Robert T. Repko has dedicated his professional career to helping those who need it most, when they need it most. He built a successful trial practice focusing on representing individuals in matters related to divorce, custody, support, domestic violence and protection from abuse, as well as driving under the influence (DUI/DWI) and criminal defense, juvenile law and underage drinking. Mr. Repko also represents individuals, businesses and corporate entities in construction litigation, mechanic’s lien and real estate matters, and has extensive trial experience before both juries and judges. Mr. Repko is licensed to practice law in...
Dawn DiDonato Burke
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Newtown, PA Real Estate Law Lawyer
(215) 369-4424 100 Brandywine Blvd
Suite 302
 Newtown, PA 19067
Real Estate
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James Cushing
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Philadelphia, PA Real Estate Law Lawyer with 15 years experience
(215) 563-7776 2047 Locust Street
 Philadelphia, PA 19103
Real Estate, Appeals, Arbitration & Mediation and Business
Temple University
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See Mr. Cushing's profile here: http://www.fayerivacohen.com/jim-cushing/
Kandis L. Kovalsky
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Philadelphia, PA Real Estate Law Lawyer with 5 years experience
(215) 525-5850 123 S Broad St
#1670
 Philadelphia, PA 19109
Real Estate, Bankruptcy and Business
Washington University in St. Louis
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Justia
Associate Kandis Kovalsky is an accomplished business lawyer representing both corporate and individual clients in a broad range of complex commercial litigation matters in Pennsylvania and New Jersey state, federal and bankruptcy courts.

Kandis represents clients in all aspects of commercial litigation, particularly in matters involving business torts, partnership and shareholder disputes, contractual disputes, unfair and deceptive business practices actions, creditor’s rights and civil RICO actions. Although Kandis’ practice mostly focuses on cases in active litigation, Kandis also assists clients in general business matters and litigation avoidance.

Kandis represents commercial borrowers, secured and unsecured lenders and Chapter 7 trustees in complex bankruptcy...
Harris J. Chernow
Claimed Lawyer ProfileLII GoldSocial Media
Philadelphia, PA Real Estate Law Attorney
(215) 495-6532 2929 Arch St
13th Floor
 Philadelphia, PA 19104
Real Estate, Business and Entertainment & Sports
Temple University
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Harris J. Chernow, Chair of Reger Rizzo & Darnall’s national Franchise & Distribution Practice Group, and member of the Firm’s Entertainment, Hospitality & Sports Law Group, concentrates his practice on franchise and business matters
Harper J. Dimmerman
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Philadelphia, PA Real Estate Law Lawyer with 16 years experience
(215) 545-0600 PO Box 41124
4431 Main Street
 Philadelphia, PA 19127
Real Estate, Construction, Foreclosure Defense and Landlord Tenant
University of Miami School of Law
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Mr. Dimmerman understands that you have choices and has the utmost respect for his contemporaries in the legal community. His approach to the practice of law is to treat all clients like family, and ensure they are empowered to make the most cost-effective decisions possible. He strives to empower them with knowledge and also to discourage litigation when a cost-benefit analysis indicates a more productive outcome. He understands that law, especially litigation, can be emotionally charged. However, he is committed to not letting the emotion impact his judgment or necessary the dissemination of legal advice. An attorney is responsible for...
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Jason J. Guss
Jason J. Guss
PREMIUM

Pennsylvania Real Estate Law Attorney

Rutgers School of Law-CamdenNew Jersey and Pennsylvania
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Jacklyn Fetbroyt
Jacklyn Fetbroyt
PREMIUM

Pennsylvania Real Estate Law Lawyer with 13 years experience

Rutgers University - CamdenNew Jersey and Pennsylvania
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Andrew A. Chirls
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Philadelphia, PA Real Estate Law Lawyer with 37 years experience
(215) 893-9300 Ten Penn Center 1801 Market Street, Suite 1100
 Philadelphia, PA 19103
Real Estate
University of California, Berkeley School of Law
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Andrew Chirls has tried a broad variety of business and tort cases. A graduate of the University of California (Boalt Hall) School of Law, he served as a clerk for the U.S. District Court in New Jersey for a year and then spent 25 years litigating at Wolf, Block, Schorr & Solis-Cohen, where he was a partner from 1989 to 2009. He was Chancellor of the Philadelphia Bar Association in 2005.

Class actions and mass torts: Mr. Chirls is known for his practice in class actions and multi-district litigation, both as an advocate and a neutral. He...
Edward J. Kelbon Jr.
Claimed Lawyer ProfileLII GoldSocial Media
Philadelphia, PA Real Estate Law Attorney
(215) 495-6560 Cira Centre, 13th Floor
2929 Arch St
 Philadelphia, PA 19104
Real Estate, Business, Personal Injury and Products Liability
Temple University
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Jennifer L. Zegel
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Philadelphia, PA Real Estate Law Lawyer
(215) 495-6523 Cira Centre, 13th Floor
2929 Arch St
 Philadelphia, PA 19104
Real Estate, Business, Employment and Estate Planning
Rutgers University - Camden
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Steven Kapustin
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Philadelphia, PA Real Estate Law Lawyer
(215) 495-6534 2929 Arch St
13th Floor
 Philadelphia, PA 19104
Real Estate, Arbitration & Mediation, Business and Employment
Temple University
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Steven Kapustin, Partner in Reger Rizzo & Darnall’s Philadelphia office, has represented petroleum refinieries and marketers, distributors, franchisors and franchisees, developers, business owners, securities firms, investors, automobile dealers, and individual professionals.
Michael Bomstein
Claimed Lawyer ProfileLII Gold
Philadelphia, PA Real Estate Law Lawyer with 43 years experience
(215) 592-8383 100 S Broad St
#2126
 Philadelphia, PA 19110
Free ConsultationReal Estate and Business
Temple University Beasley School of Law
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Zaman Eid
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Philadelphia, PA Real Estate Law Attorney
1700 Market Street
Suite 1005
 Philadelphia, PA 19103
Free ConsultationReal Estate, Business, Communications and Trademarks
University of Pittsburgh School of Law
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I protect people and businesses.
Almost like a fortune teller, I foresee the issues before they happen. I help create efficiencies by putting policies in place that allow your business to grow safely.

Solutions, not problems.
Startups, small businesses, and established businesses need actionable solutions to their problems. Most lawyers can spot the issues, it is what we are trained to do, but in business, you need solutions that you can live with in order to grow.

I give back.
Being a part of the Hispanic community, I use my ability to speak Spanish to bring families together.

A bit about my education.
I am a...
Reid Weinman
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Philadelphia, PA Real Estate Law Attorney with 26 years experience
(732) 419-8752 1700 market Street
Suite 1005
 Philadelphia, PA 19103
Free ConsultationReal Estate, Criminal, Personal Injury and Traffic Tickets
Ohio Northern University
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Born in the Bronx, NY and raised in Central Jersey, Mr. Weinman has dedicated himself and his legal practice to defending the rights of the accused. Ensuring that individuals that wrong other people through their negligence are made to pay appropriately. Each and every case is handled with patience, dedication, meticulous attention to detail, compassion and the highest degree of professional and personal integrity.

Mr. Weinman graduated from Montclair State College and then attended Law School at Claude Petit College of Law and University of San Diego (Magdalen College, Oxford University) and attained his Doctorate in Jurisprudence in 1985.
William Vinsko Jr.
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Philadelphia, PA Real Estate Law Attorney with 17 years experience
(215) 278-4767 1700 Market Street
Suite 1005
 Philadelphia, PA 18701
Real Estate, Business and Personal Injury
Pennsylvania State University - Dickinson School of Law
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Practicing law for more than a decade and a half, William Vinsko has built up an impressive portfolio of successful cases. He has a wide-ranging legal background, handling cases involving government law, business litigation, estate planning and probate, real estate law, Social Security Disability (SSD) claims, divorce and child custody issues.His dedication to his clients, and getting them positive results in their legal cases, has not gone unnoticed. Attorney William Vinsko has been selected for inclusion on the Super Lawyers' Rising Stars list every year from 2005 through 2015. No more than 2.5 percent of lawyers in Pennsylvania ever achieve...
Joel Albert
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Bala Cynwyd, PA Real Estate Law Lawyer with 28 years experience
(484) 562-0473 2 Bala Plaza
Suite PL-14
 Bala Cynwyd, PA 19004
Free ConsultationReal Estate, Business, Collections and Insurance Claims
Widener University Delaware School of Law
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Douglas Leavitt
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Philadelphia, PA Real Estate Law Lawyer with 26 years experience
(215) 545-4830 150 S. Independence Mall West, Suite 1050
6th & Chestnut Streets
 Philadelphia, PA 19106
Real Estate, Arbitration & Mediation, Business and Communications
Syracuse University College of Law
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I represent small and medium size business in all aspects of their business life cycle. From start up and structure issues to overall business strategy including negotiation of complex transactions (investing capital, mergers and acquisitions, license agreements, real estate and commercial leases, trademarks and related IP or other sophisticated contracts) I will become your trusted advisor who you are not afraid to call before there is an issue. By helping you identify issues before they become your problem is what sets me apart from my competitors.

I was trained by the large firms in both corporate...
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Steven Kapustin
Steven Kapustin
PREMIUM

Pennsylvania Real Estate Law Lawyer

Steven Kapustin, Partner in Reger Rizzo & Darnall’s Philadelphia office, has represented petroleum refinieries and marketers, distributors, franchisors and franchisees, developers, business owners,... Read More »
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Adam M. Smith
Adam M. Smith
PREMIUM

Pennsylvania Real Estate Law Attorney

Temple UniversityPennsylvania and U.S. District Court, Eastern District of Pennsylvania
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Jared Jacobson
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Philadelphia, PA Real Estate Law Attorney with 15 years experience
(215) 874-8808 1500 JFK Blvd.
Suite 520
 Philadelphia, PA 19102
Real Estate, Business, Employment and Health Care
St. John's University School of Law
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Attorney Jared A. Jacobson, Esq. is a member of The Law Firm of Jacobson & Rooks, LLC, and specializes in Labor and Employment Law, Whistleblower/Qui Tam cases, Restrictive Covenant matters, Healthcare Law, Business/Finance Law, Commercial Real Estate and Sports & Entertainment matters. Mr. Jacobson has experience litigating cases in federal and state courts, as well as at administrative agencies and is licensed to practice in Pennsylvania, New York and New Jersey. Mr. Jacobson regularly works with whistleblowers in the healthcare industry involving healthcare fraud and various other types of fraud committed against the federal and state governments, as...
Craig A. Doll
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Philadelphia, PA Real Estate Law Lawyer
(215) 495-6522 Cira Centre, 13th Floor
2929 Arch St
 Philadelphia, PA 19104
Real Estate, Administrative, Bankruptcy and Business
Suffolk University Law School
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Philip W. Fisher
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Philadelphia, PA Real Estate Law Lawyer with 28 years experience
(215) 495-6555 Cira Centre, 13th Floor
2929 Arch St
 Philadelphia, PA 19104
Real Estate, Business, Employment and IP
Villanova University School of Law
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Tianna K. Kalogerakis
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Philadelphia, PA Real Estate Law Attorney with 5 years experience
(215) 525-5850 123 S Broad St
#1670
 Philadelphia, PA 19109
Real Estate, Bankruptcy and Business
Temple University Beasley School of Law
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Tianna concentrates her practice on commercial litigation and business disputes such as breach of contract, breach of fiduciary duty, and business torts.
Richard Michael Jurewicz
Claimed Lawyer Profile
Philadelphia, PA Real Estate Law Lawyer
(800) 222-8792 1835 Market St
Suite 2710
 Philadelphia, PA 19103
Real Estate, Personal Injury and Products Liability
Temple University and Pennsylvania State University - Dickinson School of Law
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Rick is recognized by his adversaries and opponents as an extremely skilled trial attorney who zealously represents his clients’ rights. Rick has been responsible for achieving some of the largest recoveries and verdicts in Galfand Berger’s history. Rick is a Senior Partner having been with Galfand Berger since 1984. Rick has received an “AV” rating by Martindale-Hubbell, which is the highest rating an attorney can receive. Rick is co-founder and was past President of Kids’ Chance of Pennsylvania, Inc., a non-profit organization that provides scholarships to children.
Daniel D. Haggerty
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Philadelphia, PA Real Estate Law Lawyer
(215) 525-5850 123 S Broad St
#1670
 Philadelphia, PA 19109
Real Estate, Bankruptcy, Business and Insurance Claims
Widener University Commonwealth Law School
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Linda Walters
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Oreland, PA Real Estate Law Lawyer
(215) 836-1142 114 Montgomery Ave
 Oreland, PA 19075
Free ConsultationReal Estate, Arbitration & Mediation, Divorce and Domestic Violence
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Randi Lynne Rubin
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Philadelphia, PA Real Estate Law Attorney with 20 years experience
1834 Market Street, Suite 1400
 Philadelphia, PA 19103
Real Estate, Business and Family
Temple University
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RANDI LYNNE RUBIN focuses her practice on family law, including divorce, support, premarital counseling, equitable distribution and custody. Ms. Rubin negotiates prenuptial agreements and property settlement agreement and litigates in courts in Pennsylvania and New Jersey. Ms. Rubin also practices commercial real estate and finance, including acquisitions, sales and financing of retail property and apartment complexes.
Christopher Sperring
Claimed Lawyer ProfileLII SilverSocial Media
Blue Bell, PA Real Estate Law Lawyer with 3 years experience
(610) 584-9400 920 Lenmar Dr
 Blue Bell, PA 19422
Free ConsultationReal Estate, Medical Malpractice, Personal Injury and Workers' Comp
Villanova University School of Law
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Ashley Peacock
Claimed Lawyer ProfileLII GoldSocial Media
Philadelphia, PA Real Estate Law Lawyer
(215) 495-6526 Cira Centre, 13th Floor
2929 Arch St
 Philadelphia, PA 19104
Real Estate, Business and Estate Planning
Temple University Beasley School of Law
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Edward J. Kelbon Jr.
Edward J. Kelbon Jr.
PREMIUM

Pennsylvania Real Estate Law Attorney

Temple University3rd Circuit, New Jersey, Pennsylvania, U.S. District Court, District of New Jersey and U.S. District Court, Eastern District of Pennsylvania
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Stephen P. McConnell
Stephen P. McConnell
PREMIUM

Pennsylvania Real Estate Law Lawyer

Villanova University School of LawNew Jersey and Pennsylvania
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Bensalem Real Estate Legal Aid & Pro Bono Services

NAACP Bucks County Branch
(215) 364-1057
Bensalem, PA

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Glenside, PA

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Related Practice Areas

Construction Law
Foreclosure Defense
Landlord Tenant

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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