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Joseph Vargas

Joseph Vargas



  • Real Estate
  • Commercial Finance
  • Real Estate Finance

WSG Practice Industries


California, U.S.A.


Joseph Vargas has a nationwide practice focused on the representation of commercial banks, private lenders and various financial institutions in a variety of real estate secured lending transactions, including acquisition, construction, rehabilitation, and bridge loan financing involving retail, industrial, office, multifamily, and hotel properties. He also has extensive experience in the representation of lenders and borrowers in various types of commercial lending transactions, including asset-based and both secured and unsecured financial transactions. Mr. Vargas also has substantial experience in the re-structuring of credit facilities, as well as advising clients through loan modification and forbearance arrangements of various credit types. His real estate transactional experience also includes the areas of acquisitions, leasing, development as well as tax motivated real transactions. For nearly twenty years, Mr. Vargas has advised clients in a vast array of secured commercial lending transactions, ranging from single asset middle market loans to large complex syndicated multi-state transactions. Mr. Vargas’ practice also includes the representation of lenders in debtor-in-possession financing, loan workouts and advising clients on collateral recovery remedies. Mr. Vargas has particular expertise with advising clients on California’s one-action and anti-deficiency legislation both in structuring loan transactions and in the recovery of debts secured with real property. A significant part of his practice includes advising clients with mixed collateral transactions involving financings secured by a combination of both personal and real property collateral. In addition to numerous banks and financial institutions, his representative clients include both owners and developers of commercial and residential real property projects throughout California.

Bar Admissions

  • California


  • Loyola Law School
  • Loyola Marymount University
Areas of Practice

Commercial Finance | Real Estate | Real Estate Finance

Professional Career

Significant Accomplishments

  • Represented an agent bank in a syndicated $100+ million mixed collateral loan providing ground up construction financing for a public museum.
  • Represented an agent bank in complex unsecured $750 million, syndicated revolving credit facilities to publicly traded real estate investment trust.
  • Represented a bank in $38 million multi-family project financing.
  • Represented a bank in numerous construction financing loans for the development of charter school facilities.
  • Represented an institutional lender in $140+ million multi-state hotel portfolio acquisition financing.
  • Represented a lender in $20+ million marina acquisition loan in Northern California.
  • Represented an institutional lender in numerous mixed collateral loan financings involving both personal and real property located in over 30 states.
  • Represented an institutional lender in numerous real estate financings for hotel, multifamily, industrial, and office properties ranging from middle market to large complex transactions.
  • Represented construction lenders in numerous financings, including office building, rehabilitation, multifamily, office, and condominium projects.
  • Represented an institutional lender in providing tax credit related loans involving state and federal historic tax credits, low income housing and new markets tax credits.
  • Represented a developer-borrower in secured real estate financings with institutional lenders.

WSG's members are independent firms and are not affiliated in the joint practice of professional services. Each member exercises its own individual judgments on all client matters.

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