Practice Areas

Mortgage Broker License Attorney

Compliance with Mortgage Law

At the law office of Mark K. Rabidoux, PLC, I represent brokers, loan originators, title agents, banks, and mortgage lenders in all aspects of state and federal mortgage law, including assistance with licensing in all 50 states. I also provide legal counsel on compliance with RESPA, ECOA, Truth-in-Lending, and other mortgage regulations.

An Attorney Who Knows the Mortgage Business!
I am Mark Rabidoux, one of a few attorneys in the country holding the designation of Certified Mortgage Broker. I have practiced mortgage law for 25 years as both in-house and outside legal counsel to mortgage companies and financial institutions. As a result, I possess extensive knowledge and familiarity with the mortgage banking industry, and can confidently represent my clients’ interests – they don’t need to train me in mortgage law.

Nationwide Mortgage Licensing
The mortgage licensing application involves pages and pages of forms and documentation. I help mortgage brokers, lenders, loan originators, and other mortgage servicers throughout the United States obtain licenses and register as foreign corporations to do businesses in other states.

I can handle the entire licensure process, from filling out the forms to following up with the licensing agency. I am familiar with the application process in all 50 states, including the hidden requirements not explicitly stated on the forms. These insights gathered from experience can speed up the process by anticipating barriers to approval. I assist many clients who have started the application process themselves and have run into problems.

My comprehensive mortgage law practice includes:

• Mortgage Industry Regulatory Compliance
  I provide legal counsel to banks, title companies, mortgage brokers and lending institutions throughout the U.S. on all aspects of federal regulations and state laws pertaining to mortgage lending.
• RESPA (Real Estate Settlement Procedures Act) – I can advise mortgage lenders on federal regulations relating to mortgage loan closing fees and “kickbacks” for referrals from real estate agents. I can help set up joint venture arrangements between lenders, brokers and title agents to avoid running afoul of RESPA.
• Truth in Lending Act – I advise lenders on complying with TILA legislation regarding disclosure of A.P.R. and other fees and costs associated with a mortgage.
• Equal Credit Opportunity Act – I help banks and mortgage lenders ensure their policies and practices prohibit discrimination in lending on the basis of race, gender, religion, disability, age or other illegal factor.
• State Law Compliance – Many states require certain disclosure language in the forms provided to borrowers. I am knowledgeable about state disclosures and forms.
• Employment Law
  I counsel mortgage industry employers in employment law issues, including the drafting and review of:
  • employment agreements with branch managers, loan officers and other workers
  • net branching concepts
  • employment manuals
  • non-compete agreements 
  • non-solicitation agreements
• Repurchase Demands
  I also represent brokers and mortgage companies in pursuing or defending repurchase demands involving mortgage defects.

Contact Us
As an experienced mortgage law lawyer and a Certified Mortgage Banker, I know the business and I am focused exclusively on mortgage licensing and mortgage lending issues. Contact my office today to arrange your initial consultation.

Mark K. Rabidoux, PLC
Mortgage Attorney
343 S. Main Street, Suite 201
Ann Arbor, MI 48104
Phone: (248) 225-3920  Fax: (734) 994-6134

Mark K. Rabidoux offers 28 years of experience as a mortgage law attorney. Based in Ann Arbor, Michigan, my firm represents mortgage brokers, loan officers, title companies, banks and financial institutions throughout the United States. I assist in mortgage license applications, compliance issues and legal counsel for the mortgage industry, including joint ventures, repurchase demands, and employment law.