Zach Wallin

Eagle Eye Review™ is a law firm dedicated to performing Entity Reviews and Title Reviews for banks, credit unions, and private lenders to help reduce the legal and business risk associated with lending to entity borrowers. Our mission is to (1) reduce the business and legal risk inherent in lending to entity borrowers, and (2) provide assurance to your investors that an inquiry has been made as to the actual authority of the signers authorized to bind the entity to the terms, conditions, and obligations of the loan. An Entity Review is the review of an entity borrower’s formation documents with the purpose of determining which sub-entities or individuals have the authority to bind that entity borrower to the terms, conditions, and obligations of the loan and to determine the proper signature block for the loan. Ensuring that the signature block is correct and that the correct individuals are signing for the borrower or guarantor is critical to the exercise of any future lender remedies such as acceleration or foreclosure. A Title Review consists of verifying that: the title commitment is valid (i.e., effective as of a date no more than 90 days before the date of the loan); title is in the name of the borrower (or the seller, in a purchase loan transaction); there are no unusual or atypical exceptions to coverage; the nature and status of any liens of record on the collateral property; whether the legal description of the collateral property appears on its face to be complete; whether the legal description has been copied accurately to the deed of trust/mortgage and any other documents that requires it; and a recommendation as to the exceptions to be removed from title and the endorsements the lender should add to title coverage.