“Your knowledge of agency loans is encyclopedic. I would have you on my side any time.”
– Vice president, national lender

John primarily represents lenders that originate and sell multifamily mortgage loans to Freddie Mac and Fannie Mae. In all aspects of his practice, he examines and resolves title issues affecting real estate. John works with clients to help close their deals in diverse markets all over the country, many with complex features such as targeted affordable housing, ground lease transactions, and joint ventures.

Moss & Barnett has become one of the leading law firms nationwide in representing Freddie Mac and Fannie Mae lenders. The firm has closed thousands of Freddie Mac and Fannie Mae transactions spanning the spectrum of deal structures, including joint ventures, tenancies in common, ground leases, master leases, condominiums, phased developments, preferred equity, and investment funds. In connection with these transactions, John regularly addresses matters involving use restrictions, easements, development agreements, unique subdivisions and plats, and other title issues, from the routine to the atypical.

With many loans now being pooled and securitized, John also focuses on structuring single-purpose entities and examining the many legal issues necessary for compliance with Standard & Poor’s U.S. Commercial Mortgage-Backed Securities Legal and Structured Finance Criteria.

John has also represented life insurance companies and bridge lenders in transactions involving office, industrial, and retail projects, and routinely works on complex portfolio transactions where the collateral consists of many properties located in multiple jurisdictions.

Because he also represents borrowers, John brings insight from both sides of the table into negotiating loan documents, managing expectations, and addressing closing requirements.


  • Represented a lender on a refinance totaling $222,496,000 secured by a newly-constructed luxury apartment project in San Diego, California, which loans were purchased by Freddie Mac (Summer 2019).
  • Represented a lender on an unfunded forward commitment transaction to be secured by a now under construction targeted affordable housing project in Florida (Winter/Spring 2019).
  • Represented a lender on the origination – and two years later the refinance – of a $200 million preferred equity/joint venture portfolio loan secured by 16 multifamily projects across the south-central and southeastern United States (Fall 2016; Fall 2018).
  • Represented lenders in connection with ground lease mortgages with related real estate tax abatement features secured by multifamily projects in the southwestern United States (Spring 2017; Winter 2018; Summer 2018).
  • Represented a lender in the closing of a six-loan targeted affordable housing portfolio in a tax credit extended use phase secured by low-income multifamily projects across Minnesota and Wisconsin (Summer 2017).



William Mitchell College of Law, J.D.; magna cum laude

University of Minnesota-Twin Cities, B.A.; with distinction


  • Minnesota

Honors & Recognitions

Minnesota Rising Stars (2020-present)

News & Insights

Speaking Engagements

  • Practitioner “Tricks of the Trade”: Expedite Your Title and Survey Review on Commercial Real Estate Transactions
    The 2021 Real Estate Institute (Online), 11.11.2021


Professional Associations

  • American Bar Association
  • Minnesota State Bar Association
  • Hennepin County Bar Association

Community Involvement

  • Volunteer, Big Brothers Big Sisters (2014-present)
  • Sponsor, Unbound (2008-present)