Neil B. Garfinkel is an attorney and the partner in charge of the Real Estate and Banking Departments of Abrams Garfinkel Margolis Bergson, LLP, a national law firm.  He has specialized in real estate and banking law for nearly 20 years.  Mr. Garfinkel has counseled his mortgage banking and mortgage broker clients on all aspects of their businesses.  His expertise in cooperative corporation law enabled him to assist national lending institutions in creating cooperative loan programs in New York.  Furthermore, Mr. Garfinkel has traveled extensively throughout the country to provide training programs to the employees of his banking clients.  He maintains a strong knowledge of the requirements of the secondary mortgage market, which enables him to ensure that closed loans are saleable.  Furthermore, Mr. Garfinkel has counseled his clients on loan portfolio acquisitions and sales.   He is well versed in the complex areas of federal and state licensing and lending laws and has assisted his clients in obtaining banking and broker licenses, as well as structuring affiliated business relationships under the Real Estate Settlement Procedures Act.  Mr. Garfinkel sits on the board of directors of the Empire State Mortgage Bankers Association, is a Diamond Member of the New York Association of Mortgage Brokers and is a member of the Community Mortgage Bankers Forum, the Mortgage Bankers Association of New York and National Association of Mortgage Brokers.

Neil B. Garfinkel is a graduate of Cornell Law School, where he specialized in the study of Business Law and Regulation and served as an Editor of the Cornell International Law Journal.  Mr. Garfinkel received his Bachelor of Arts degree from the State University of New York at Albany, where he graduated Summa Cum Laude and was elected to Phi Beta Kappa.