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Andrew L. Kramer concentrates his practice on real estate finance and affordable housing finance. He is a member of our firm’s Real Estate + Development group and co-chair of Affordable Housing Finance.

Commercial Real Estate Lending

Andy’s extensive experience includes all types of commercial transactions, with an emphasis on the representation of institutional lenders in complex structured financing transactions on a nationwide basis, including construction, conduit, interim, and permanent financings; forward loan commitments; revolving credit facilities; mezzanine loans; and loan participations and syndications.

Andy has represented national banks and lenders in connection with several multi-million dollar projects around the United States, such as a $119 million construction loan for a mixed use tower in New York City, and a $111.2 million multi-source financing for the redevelopment of a historic department store in Newark, New Jersey into commercial, retail, and residential space.

Affordable Housing + Finance

Mortgage financings for affordable housing transactions are an important aspect of Andy’s business practice and include tax-exempt bond transactions, bond credit enhancement, Fannie Mae and Freddie Mac executions, and government-subsidized mortgage lending programs.

Andy has assisted lenders with financing transactions for affordable housing projects throughout the country, including for a $27 million redevelopment of a former public housing project site in Washington, D.C., a $65 million mixed-income project in New York City, a $100 million transit-oriented development in Miami, Florida, and the $66 million rehabilitation of Hawaii’s largest public housing project.

  • Benjamin N. Cardozo School of Law of Yeshiva University (Juris Doctor, cum laude)
  • Cornell University (Bachelors)
    • A.B.

  • State of Connecticut
  • State of New Jersey
  • State of New York

New York State Bar Association

New York State Association for Affordable Housing
Past Board Member

Mortgage Bankers Association

Fannie Mae Legal Issues Forum

Experience


New York Mixed Use Tower

Represented national bank in connection with a $119 million construction loan for a mixed-use tower in New York City, including for-sale condominium units, affordable rental apartments, and religious facilities.

587-Unit Modular Housing Community

Represented lead lender in connection with a $55 million revolving credit loan facility involving religious, governmental, and private lending participants for the financing and development of a 587-unit modular housing community in East Brooklyn, New York. *

* Atty. Kramer was counsel in this representative matter before joining Robinson+Cole.

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12,000-Unit Family Condominium

Represented lead lender in connection with a $125 million loan to a 12,000-unit, low- and middle-income family condominium for the complete renovation of the building systems in each of the condominium's 171 buildings, including representation of lender in the sale of participation interests to a consortium of financial institutions. *

* Atty. Kramer was counsel in this representative matter before joining Robinson+Cole.

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Publications


Legal Update: Deferring Capital Gains Taxes – Opportunity Zone Investments teaser
October 31, 2018

Legal Update: Deferring Capital Gains Taxes – Opportunity Zone Investments

Legal Update: Deferring Capital Gains Taxes – Opportunity Zone Investments teaser
October 31, 2018

Legal Update: Deferring Capital Gains Taxes – Opportunity Zone Investments


Events


Past

Year 15 and Beyond

May 12 2011
New York State Association for Affordable Housing Annual Conference
Past

Year 15 and Beyond

May 12 2011
New York State Association for Affordable Housing Annual Conference

News


June 5, 2015

Robinson+Cole Is a Sponsor of NYSAFAH Conference

Robinson+Cole was a Gold Sponsor of the 16th Annual New York State Affordable Housing (NYSAFAH) Conference on May 13, 2015, in New York City. Members of the firm's Real Estate + Development Group attended the event, including lawyers Andrew L. Kramer, Leigh K. Hughes, Theresa A. Omansky, Jerome L. Garciano, Julia H. Klein, and Lisa C. Riccio and paralegals Margaret L. Bracken, Marilyn I. Bernard, and Sanan Ibne. R+C hosted a booth that featured literature on our affordable housing practice. The conference, whose theme was "Building for the Future," offered workshops on development and preservation, financing affordable housing, and housing policy.

New York State Affordable Housing (NYSAFAH)
April 17, 2015

Robinson+Cole Represents National Bank in HUD Rental Assistance Demonstration Conversion Deals with Cambridge Housing Authority

November 18, 2014

Robinson+Cole Lawyers Honored as “New Leaders in the Law” at Celebration Dinner

Connecticut Law Tribune 
June 5, 2015

Robinson+Cole Is a Sponsor of NYSAFAH Conference

Robinson+Cole was a Gold Sponsor of the 16th Annual New York State Affordable Housing (NYSAFAH) Conference on May 13, 2015, in New York City. Members of the firm's Real Estate + Development Group attended the event, including lawyers Andrew L. Kramer, Leigh K. Hughes, Theresa A. Omansky, Jerome L. Garciano, Julia H. Klein, and Lisa C. Riccio and paralegals Margaret L. Bracken, Marilyn I. Bernard, and Sanan Ibne. R+C hosted a booth that featured literature on our affordable housing practice. The conference, whose theme was "Building for the Future," offered workshops on development and preservation, financing affordable housing, and housing policy.

New York State Affordable Housing (NYSAFAH)
April 17, 2015

Robinson+Cole Represents National Bank in HUD Rental Assistance Demonstration Conversion Deals with Cambridge Housing Authority

November 18, 2014

Robinson+Cole Lawyers Honored as “New Leaders in the Law” at Celebration Dinner

Connecticut Law Tribune 
June 18, 2013

Real Estate Practice Group Participates in NYSAFAH Conference

New York State Association for Affordable Housing (NYSAFAH)
May 25, 2011

Real Estate Attorney Moderates Panel Discussion at New York State Association for Affordable Housing Annual Conference

March 24, 2011

Matter Handled By Andy Kramer and David Monassebian Reported in the News

The New York Times, Crain’s New York Business

June 18, 2013

Real Estate Practice Group Participates in NYSAFAH Conference

New York State Association for Affordable Housing (NYSAFAH)
May 25, 2011

Real Estate Attorney Moderates Panel Discussion at New York State Association for Affordable Housing Annual Conference

March 24, 2011

Matter Handled By Andy Kramer and David Monassebian Reported in the News

The New York Times, Crain’s New York Business