Refinancing Your Commercial Loan: Why Now Might Be the Perfect Time
If you’ve been watching the real estate market lately, you’ve probably noticed something refreshing — interest rates are finally starting to come down. For Massachusetts property owners, investors, and business owners, that shift could open the door to real savings and new opportunities.
At Fitzgerald Law Offices in Hingham, MA, we’re helping clients across the South Shore and Greater Boston take advantage of this changing market through smart, strategic commercial loan refinancing. Whether you’re looking to lower your payments, free up equity, or lock in better terms, now may be the time to act — and to have an experienced real estate attorney by your side.
Why Refinancing Makes Sense in Today’s Market
After years of higher borrowing costs, lenders are finally loosening up and offering more competitive commercial loan terms. Even a small drop in your rate can make a meaningful difference — freeing up capital to reinvest in your property, expand your business, or simply reduce your monthly expenses.
If your property has appreciated or your loan balance has gone down, you might even consider a cash-out refinance, using your equity to fund renovations, acquire another property, or pay off higher-interest debt.
Refinancing also gives you a chance to renegotiate your loan structure — maybe you want a longer amortization schedule, better prepayment flexibility, or to remove recourse provisions that put personal assets at risk. A well-crafted refinance can be about more than savings; it’s about strengthening your long-term financial position.
The Legal Side of Refinancing — Where Fitzgerald Law Offices Comes In
Refinancing a commercial loan isn’t just about the numbers. There’s a complex legal side that must be handled carefully to protect your interests and keep the process smooth. That’s where Scott Fitzgerald, principal attorney at Fitzgerald Law Offices, and his experienced team come in.
Here’s how our Massachusetts real estate attorneys guide you through every step:
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Title and Due Diligence: We review your property title, resolve any liens or title defects, and coordinate with your lender to ensure clear title for closing.
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Loan Document Review: Every refinance comes with pages of legal documents. We’ll negotiate loan terms, guarantees, and escrow agreements to protect you from hidden risks.
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Closing Coordination: As your Massachusetts refinance closing attorney, we handle escrow, title insurance, and all recording details at the Registry of Deeds in Norfolk, Plymouth, or surrounding counties.
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Entity & Tax Structuring: If your property is held in a trust or LLC, or you’re using a 1031 exchange, we’ll ensure your refinance is structured to support your long-term goals.
Whether you need a lender representation real estate attorney in MA, a commercial financing attorney, or simply a trusted real estate closing lawyer near me, Fitzgerald Law Offices provides full-service legal support from start to finish.
Why Property Owners Choose Fitzgerald Law Offices
Clients choose Fitzgerald Law Offices Hingham because of our deep roots in the local real estate market and our reputation for responsive, personalized service.
Scott Fitzgerald, an experienced real estate attorney in Hingham, has handled thousands of transactions across Massachusetts, from complex commercial refinances to residential closings. Our firm is known for being accessible, thorough, and easy to work with — a fact reflected in many glowing Fitzgerald Law Offices reviews.
We represent buyers, sellers, developers, lenders, and investors throughout the South Shore, including Norwell, Cohasset, Scituate, Marshfield, Duxbury, Hanover, Weymouth, Quincy, Braintree, Milton, and Plymouth. Whether you’re looking for a South Shore closing attorney, a Massachusetts real estate lawyer for buyers, or an experienced commercial lease attorney Massachusetts, our team is here to help.
And yes — if you’re searching online for a “real estate attorney near me in Hingham” or a “closing attorney near me on the South Shore,” you’ve found the right place.
A Simple Roadmap to a Successful Refinance
Here’s how to get started if you’re thinking about refinancing your commercial loan:
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Review your current loan. Check your rate, terms, and prepayment penalties.
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Talk to your lender or mortgage broker. Explore current rate options and available products.
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Loop in your attorney early. Having Fitzgerald Real Estate Law involved from the start ensures your refinance moves efficiently and without surprises.
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Prepare your documents. We’ll help you organize financials, leases, title materials, and any required municipal certificates.
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Negotiate and close. Our team handles everything — from legal review to title and escrow, recording fees, and final funding.
With the right coordination, many refinances can close in 30 to 45 days — sometimes even sooner.
Make Your Move While Rates Are Still Favorable
Markets shift fast. If you’ve been waiting for the right time to refinance, this could be it. Lower rates won’t last forever, and the sooner you act, the more you can save over the life of your loan.
At Fitzgerald Law Offices Massachusetts, we make commercial refinancing simple, strategic, and stress-free. Whether you’re refinancing a retail space, office building, multifamily property, or mixed-use development, we’ll ensure every legal and title detail is handled with care.
Connect With Us
Ready to explore your refinancing options? Contact Fitzgerald Law Offices today at (781) 924-5326 — that’s the official Fitzgerald Law Offices phone number — or visit us online at fitzgeraldlawoffices.com
Work with a team that understands the local market, knows Massachusetts real estate law inside and out, and treats every client like a partner. Trust Scott Fitzgerald attorney, your Hingham real estate closing attorney and South Shore refinance expert, to help you refinance with confidence.
Fitzgerald Law Offices – Real Estate Law. Local Knowledge. Proven Results.
Serving Hingham, the South Shore, and Greater Boston for all your commercial and residential real estate needs.