Overview

Kimberly Martin-Epstein concentrates her practice in the areas of commercial lending and real estate transactions, including financing and conveyancing, with a special focus on community development and affordable housing financing, including tax exempt bond financing, as well as low income, historic, and New Markets tax credits.

Kim’s practice includes representing banks, other financial institutions, nonprofit organizations, developers, and governmental and quasi-governmental agencies, including those of the Commonwealth of Massachusetts, and various municipalities. Her practice further includes representing lenders in a variety of routine and complex loan restructure, and work-out transactions, including commercial foreclosure.

Kim is an active member of CREW Boston, the Real Estate Bar Association (“REBA”) and the Boston chapter of the Land Economics Society /Lambda Alpha International. Kim has served as co-chair to the real estate financing and the title and conveyancing committees of the Boston Bar Association’s Real Estate Section. Kim is also the co-chair of the Affordable Housing committee of REBA. Combining professional expertise with personal interests, over the last 20+ years, Kim has served on many non-profit boards and related committees including with the Women’s Lunch Place, Neighborhood of Affordable Housing, Inc., CASCAP, Inc., the Clarke School PTO, Inc., the North Shore Community Development Coalition, Inc., and B’nai B’rith Housing Corporation.

Kim currently resides with her wife and two children in Swampscott, Massachusetts where she is also the Chairperson for the Swampscott Affordable Housing Trust and a Town Meeting member.

Education
  • J.D., University of Wisconsin Law School, 1996
  • B.A., English, Cornell University, 1991
Admissions
Affiliations
  • Co-Chair, Affordable Housing Committee, Real Estate Bar Association
  • Co-Chair, Title and Conveyancing Committee, Real Estate Section, Boston Bar Association
  • Member, CREW Boston
  • Member, Land Economics Society /Lambda Alpha International
Experience
  • Multi-tiered Low Income Housing Tax Credit and New Markets Tax Credit financings across the Commonwealth on behalf of public funding sources
  • Tax-Exempt Bond Financing on behalf of bank bond purchasers for YMCA, school, health center, and other non-profit and community uses
  • Complex construction and permanent loan financing to multi family projects, memory care facilities, mixed use projects, and home-ownership/condominium unit projects on behalf of construction lenders

Presentations

  • Chapter 40T Primer and Issues (2022)
  • Conservation Easements (2022)
  • Affordable Housing Finance (2016, 2018, 2022)
  • Private Real Property Agreements (2021)
  • Easing into Easements: Enhanced Essentials (2021)
  • Conveyances without Deeds (2021)
  • Fundamentals of Affordable Housing Finance (CLE, 2018)
  • Alternatives to Subdivisions: Condominiums and Ground Leases (2017)
  • Anatomy of a Deal (2017)
  • Construction, Lenders and Traps for the Unwary (2017)
  • Mortgage and Security Basics (2017)
  • Title Insurance Coverage and Claims (2016)
  • Property and Liability Insurance for Lenders (2015)
  • New Markets Tax Credits and Affordable Housing Development (2011)
News