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Christine Owens Morgan
Alternate image for Christine Owens Morgan

Christine Owens Morgan

Special Counsel

860.275.6778
Hartford
cmorgan@mccarter.com

Christine helps clients advance their commercial real estate and affordable housing and economic development projects.

Christine Morgan addresses all aspects of clients’ real estate needs, including handling financing, acquisitions and dispositions, joint ventures, leases, easements, and local counsel opinions. She has represented lenders and borrowers in hundreds of transactions involving the financing of real estate or commercial transactions.

Christine has extensive experience representing affordable housing developers in projects involving rental units, condominium units for first-time homeowners, and mixed-use developments. She assists these developers in acquiring the development sites and financing the projects through conventional sources, governmental grants and loans, and tax credits. Financing for these projects frequently involves multiple funding sources, including conventional construction and permanent loans, governmental grants and loans, community loan funds, state and federal low-income housing tax credits, state and federal historic tax credits, tax-exempt and taxable bonds, HUD-insured loans, and Section 8 and RAD subsidies.

A frequent author and lecturer, she has written on public-private partnership agreements, affordable housing legislation, and clean energy financing available to commercial property owners.

Christine serves on the Grievance Panel for the New Haven Judicial District, is a Life Fellow of the Connecticut Bar Foundation James W. Cooper Fellows, and has served on the boards of the Connecticut Bar Foundation; New Haven Legal Assistance Association, Inc.; the former New Haven Public Education Fund, Inc.; the former Greater New Haven Community Loan Fund, Inc.; and Christian Community Action, Inc.

Representative Matters

Regional Bank—Acquisition loan 

Represented a regional bank in negotiating a $23 million loan to finance the acquisition of five medical buildings throughout Connecticut by a real estate firm for its Connecticut medical portfolio. 

Regional bank—Financings

Represent a regional bank in multistate secured financings ranging in size from $10 million to $115 million. Our work includes (i) preparing and negotiating loan documents, including participation agreements and intercreditor agreements; (ii) preparing swap documentation; (iii) reviewing title encumbrances and title insurance policies; (iv) reviewing due diligence items; and (v) preparing and negotiating non-disturbance agreements.

Various clients—Affordable housing developments

Represented several non-profits, for-profits, and housing authorities, as sponsors, and special purpose entities regarding multi-phased affordable housing developments throughout Connecticut, including New Haven, Norwalk, Wallingford, Waterbury, Fairfield, Stamford, Ridgefield, New Canaan, Somers, and Stafford, Connecticut.

National non-profit developer—Mortgage debt restructuring

Represented a national non-profit developer concerning a restructuring of mortgage debt through the mark-to-market program of the U.S. Department of Housing and Urban Development. The transaction involved Enterprise Mortgage Investments, Inc.; Prudential Huntoon Paige Associates Ltd.; and Fannie Mae and included the execution of a new Section 8 Housing Assistance Payments Contracts.

National non-profit developer—Redevelopment project

Represented a national non-profit developer regarding a four-phased redevelopment of Southfield Village in Stamford, Connecticut, which included 315 rental units and a 15-unit affordable housing condominium, funded by HOPE VI grants, the State of Connecticut Department of Housing, the Connecticut Housing Finance Authority, and low-income housing tax credits.

National bank—Acquisition loan

Represented a national bank concerning a $56 million acquisition loan facility to 4 co-borrowers, which included securitizing 21 properties (both fee and leasehold interests) in 4 states. The representation included (i) preparing and negotiating loan documents, including a participation agreement; (ii) preparing and negotiating an inter-creditor agreement with a national franchisor; (iii) preparing and negotiating a corporate guaranty from the parent of the franchisor; (iv) reviewing title encumbrances, surveys, and title insurance policies; (v) negotiating local counsel opinion letters; and (vi) negotiating and preparing non-disturbance agreements from the ground lessors.

National bank—Refinancing

Represented a national bank regarding a master refinancing of a $98 million loan facility to 10 co-borrowers, which included securitizing 77 properties in 12 states. The representation included (i) preparing and negotiating loan documents, including a participation agreement; (ii) preparing swap documentation; (iii) reviewing title encumbrances, surveys, and title insurance policies; and (iv) negotiating local counsel opinion letters.

Non-profit developer—Affordable housing condo development

Represented a non-profit developer concerning the construction and development of a 46-unit affordable housing condominium for families with low to moderate income.

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Services

Real Estate
Real Estate Acquisitions & Development
Real Estate Finance
Leasing
Public Finance

Education

University of Connecticut School of Law JD
Connecticut College BA

Bar Admissions

Connecticut

Memberships & Certifications

New Haven Legal Assistance Association, Inc.
Past Member, Board of Directors

New Haven Public Education Fund, Inc.
Past Member, Board of Directors

Connecticut Bard Foundation
Past Member

Greater New Haven Community Loan Fund, Inc. – Program Committee
Past Member

Christian Community Action, Inc.
Past Member, Board of Directors

American Bar Association
Forum on Affordable Housing & Community Development

Connecticut Bar Association

James Cooper Life Fellow

New Haven County Bar Association

Insights News Printing Press
News
McCarter Expands Its Real Estate Capabilities with Addition of Rolan Joni Young, Christine Owens Morgan to Hartford Office
Press Release
7.16.2020
McCarter & English, LLP
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