Attorneys

The Mortgage Banking Group Lawyers

The perfect partner is the partner who understands your business, your goals, and your challenges. The perfect partner will also help you achieve goals while reliably and efficiently helping you overcome the challenges you face.

For more than 30 years, Middleberg Riddle & Gianna's Document Technologies Group has proven the perfect partner for hundreds of residential mortgage lenders across the country in connection with obtaining federal, state, and locally compliant closing documents and general compliance advice. MRG's team of highly qualified mortgage banking compliance attorneys and experienced commercial litigators offer outstanding regulatory advice and the very best in litigation and dispute resolution services for mortgage lenders facing today's complex and ever-changing lending environment.

Financial institutions operate in complex markets, and are seeing both regulation and litigation increase at a staggering rate. Our lawyers understand your business, how it is governed and how it is regulated. Our goal is, and always will be, to identify strategies for regulatory compliance and the resolution of any litigation or claim in ways that optimize your business opportunities.

When experience counts, our clients know that they can count on MRG, not only for compliance advice and impeccable closing documents, but also for reliable and efficient litigation and dispute resolution services.

MICHAEL L. RIDDLE
mriddle@midrid.com

Michael Riddle, managing partner of Middleberg Riddle & Gianna, led the National Mortgage Compliance services group into the computer age, overseeing development of computer systems that efficiently provide state of the art disclosure and documentation services to large scale national mortgage lenders via the internet. Under his guidance, the firms mortgage services set the national standard for quality and compliance in the mortgage banking industry. In addition, he has been a staunch supporter of various professional, banking, and community arts groups.

Peer Review Rated:  AV

MARSHA L. WILLIAMS
mwilliams@midrid.com

Marsha Williams, Chair of our National Mortgage Compliance Practice Group, is nationally respected for her expertise in residential mortgage law. She is a contributing author to Pratts State Regulation of Second Mortgages and Home Equity Loans, and to Negronis Residential Mortgage Lending: State Regulation Manual. Ms. Williams is a sought after speaker, and is often consulted in the drafting of legislation regarding mortgage law.

Peer Review Rated:  AV

MELANIE FINKELSTEIN
mfinkelstein@midrid.com

Melanie Finkelstein, a native of New Orleans, graduated Summa Cumme Laude from the University of Texas at Austin in May 2003. She received her Juris Doctor degree from Louisiana State University Law Center in May 2006. While in law school, she was a member of the Moot Court Board, received CALI Excellence Awards in Legal Research & Writing, Civil Law Property, Matrimonial Regimes, U.S. Constitutional History, and Security Devices, and graduated in the Order of the Coif. Ms. Finkelstein has practiced in the area of Complex Commericial Litigation and currently practices in our Mortgage Banking Regulatory Compliance Section. She is admitted to practice in Texas and Louisiana.

A.J. HERBERT, III
aherbert@midrid.com

Mr. Herbert serves as Chair of the Business Services Section of Middleberg Riddle & Gianna. A summa cum laude graduate of Tulane Law School and the recipient of a master's degree in finance law from Boston University School of Law, Mr. Herbert has been with the firm for 20 years, starting as a courier while in college. He is licensed in both Texas and Louisiana, and has worked in both the Texas and Louisiana offices of the firm. He practices in the areas of health care law, insurance regulatory law, banking law, and general corporate law. His outside interests are long-distance running and scuba diving.

Peer Review Rated:  AV

JONATHAN M. HERMAN
jherman@midrid.com

Since 1994, Mr. Herman has spearheaded complex commercial disputes in federal court. As trial counsel, he has formulated the prosecution and defense strategy in class action litigation, anti-trust matters, and RICO controversies, receiving the highest of praise from federal judges presiding over his cases. Mr. Herman now uses his litigation experience to advise corporate, insurance, and health care clients in best avoiding the exposure and risk of litigation, as well as managing on-going litigation. Mr. Herman is an avid woodworker, spending his free time relaxing in his woodshop building fine furniture.

CHRISTINA JENKINS
cjenkins@midrid.com

Christina Jenkins focuses her practice on advising clients through a broad range of mortgage banking compliance issues. While in law school, Ms. Jenkins served as a brief writer and oralist on the Moot Court Traveling Team.

LAURA C. LaRAIA
llaraia@midrid.com

Laura C. LaRaia earned her Juris Doctor from Loyola University's School of Law in New Orleans, Louisiana. Additionally, Ms. LaRaia earned a Certificate in Civil Law and Common Law. After graduation, Ms. LaRaia joined the MRG National Mortgage Compliance Services practice group. Currently, she manages the Installation and Customer Service aspects of the MRG Miracle residential lending software application.

CHARLES R. PENOT, JR.
cpenot@midrid.com

Mr. Penot joined Middleberg Riddle & Gianna in 2005, after having spent most of his career at a large regional law firm. Mr. Penot has experience in a wide variety of substantive fields of law. His practice has focused primarily on large, complex commercial cases. His commercial litigation experience includes intellectual property litigation and counseling, D&O, fidelity bond and professional liability insurance coverage and bad faith litigation, ERISA litigation, lender liability litigation, professional liability representation, various types of contract litigation, RICO litigation, securities litigation and arbitration, and consumer credit class action litigation. Mr. Penot also has experience in casualty litigation, including work on asbestos exposure cases, pharmeceutical litigation and mass tort cases.

Peer Review Rated:  AV

KAY A. KING, of Counsel
kking@midrid.com

Ms. King has practiced law with this firm for fifteen years in the areas of residential real estate, mortgage lending and title insurance, and she has worked with numerous lenders on documentation for combined construction to permanent loan programs. Previously, she practiced for ten years as in-house counsel with a large thrift institution addressing both deposit and mortgage lending issues.

HENRY A. MILLER*, of Counsel
hmiller@midrid.com

Mr. Miller serves of counsel to Middleberg Riddle and Gianna on matters pertaining to real estate and business law in California and Georgia. Mr. Miller has significant international business, legal and tax experience in the areas of business development, foreign operations, tax oversight, contract negotiations with foreign governments, corporate restructuring and financial instruments along with IPO experience on four continents.

*Not licensed in Texas