Jon H. Ruiss, Jr.
Partner | New York
Jon H. Ruiss, Jr.

Jon H. Ruiss Jr. advises investment banks, private credit companies, debt funds and other financial institutions navigate the fast-moving, technical world of structured mortgage finance. He guides clients through complex warehouse, lending and repurchase transactions, translating intricate deal mechanics into a clear path to closing.

Clients rely on Mr. Ruiss to negotiate master repurchase agreements, term loan facilities and syndicated financing arrangements to keep sophisticated deals moving. His practice centers on the purchase, sale and financing of residential, commercial and multifamily mortgage loans, mezzanine loans, single-family rental assets and other mortgage-related products.

Before joining Dechert, Mr. Ruiss represented financial institutions on asset-based lending, equipment finance and master factoring arrangements at another law firm. A certified public accountant, he also spent time as an auditor at a global accounting firm, serving financial institutions and not-for-profit organizations. That combination of legal and accounting training gives clients added insight into the financial and structural mechanics of their transactions.

Mr. Ruiss serves on the board of directors of two related organizations: Transitional Services of New York for Long Island and Haven House/Bridges, which provide permanent and temporary housing for low-income individuals and adults facing mental health challenges.

  • Represented an insurance company in a US$280 million bespoke back-leverage financing for multiple hotel properties.
  • Represented a regional bank in implementing a private committed take-out program for non-QM loans from its warehouse lending platform.
  • Represented an SEC-registered interval fund in various loan-on-loan and repurchase transactions.
  • Represented a REIT and its insurance investors in various loan-on-loan transactions.
  • Represented the lead bank in a syndicated repurchase facility exceeding US$1 billion for agency and jumbo mortgage loans.
  • Represented an investment bank in restructuring mark-to-market facilities with various REIT counterparties following value declines tied to the COVID-19 pandemic.
  • Represented an investment bank in seller financing warehouse transactions for bespoke commercial real estate facilities.
  • Represented a foreign bank in various warehouse facilities backed by fix-and-flip loan collateral.
  • Represented a foreign bank in its entrance into the commercial mortgage loan warehouse business.
  • Represented a foreign investment bank in the bankruptcy of a reverse mortgage originator.
  • Represented a private credit institution in a warehouse finance facility exceeding US$2 billion for a distressed bank during the 2023 regional banking crisis.
  • Represented a foreign bank in the US$80 billion sale of its residential and commercial warehouse platform.

Includes matters handled prior to joining the firm.

Services Industries
    • Villanova University, B.S., 2006
    • St. John’s University, J.D., 2012
    • New York
    • New Jersey

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