Financial institutions, insurance companies, and real estate developers and investors rely on Emily Bowman’s counsel due to her 25 years of experience in real estate finance. Emily helps real estate developers and investors with commercial real estate acquisition, development and disposition. She also regularly issues legal opinion letters in connection with multi-state projects and as local counsel for transactions originated outside of Tennessee secured by real property located within the state.
Emily’s practice crisscrosses the country. She serves as lead counsel, familiar with state laws and customs, for real estate finance transactions from Tennessee to the East Coast, from New York to Virginia, from South Carolina to South Florida, and from Texas to California.
During 2024 and the first half of 2025, Emily closed commercial real estate loans totaling more than $2 billion, including construction projects and fully completed developments, in 19 different states. These projects included multifamily developments, industrial buildings, retail centers, senior living facilities, and even some office properties.
Listed in The Best Lawyers in America® "Lawyer of the Year," Banking & Finance Law, 2023 Banking & Finance Law, 2012-2026 Real Estate Law, 2016-2026 Listed in Chambers USA Banking & Finance, 2019-2025 Real Estate, 2021-2025 Listed in Nashville Business Journal "Best of the Bar," 2016-2017, 2019-2021 Commercial Real Estate Leadership Awards, "CRE Attorney of the Year," 2021 $850 million in commercial real estate loans Represented multiple clients across 12 states in $850 million in commercial real estate loans. The construction and permanent loans encompassed multiple industries; deals included multi-family developments, retail centers, senior living centers, office and industrial buildings. $41.3 million construction loan for Hilton Hotel Represented Pinnacle Bank in $41.3 million construction loan for a Hilton Hotel in Alpharetta, Georgia, with bond financing and loan participation by Trustmark Bank. $41 million mortgage loan Represented life insurance company in $41 million mortgage loan secured by a 330-unit apartment complex in Clearwater, Florida. $39.2 million construction loan for multi-family development Represented Pinnacle Bank in $39.23 million construction loan for a 282-unit, Class A multi-family development to be known as The Vintage Destin, in Destin, Florida. Also represented Pinnacle Bank in negotiating the intercreditor agreement with the mezzanine lender, a Preferred Apartment Communities subsidiary. Lender representation for $31.7 million construction loan Counsel to US Bank for $31.7 million construction loan for a 256-unit, multi-family development in Nashville, Tennessee. $31 million construction loan for hotel Represented Regions Bank in a $31 million construction loan for an Element (Marriott) hotel by a subsidiary of the Noble Investment Group in Nashville, Tennessee. $27.5 million construction loan and leasing of mixed-use “Gulch” project Represented Pinnacle Bank in structuring, documenting and negotiating a $27.5 million construction loan for the construction and leasing of an 80,000-square-foot office and retail building in Nashville, Tennessee. This project is a continuation of MarketStreet Development's master plan to redevelop the area of downtown Nashville called the "Gulch," which is almost entirely a brownfield site subject to brownfield agreements. $23 million non-recourse mortgage to tenant-in-common borrowers Represented life insurance company in negotiating, structuring, documenting and advancing a $23 million non-recourse mortgage loan to four tenant-in-common borrowers, secured by a leased-up office building located in downtown Greenville, South Carolina. Actively negotiated the terms of several easement amendments and terminations to clear items of issue appearing in the chain of title of the mortgaged property. $20 million permanent financing for industrial distribution facility Represented national life insurance company in $20 million permanent financing of single tenant, Best Buy industrial distribution facility in Lakeland, Florida. $18.3 million commercial loan for multi-family property Assisted team in the representation of life insurance company client in negotiating, structuring, documenting and advancing an $18.3 million non-recourse mortgage loan secured by the borrower's interest in a multi-family residential apartment property with retail space located in Dallas, Texas. The borrower for this transaction consisted of several tenant-in-common entities. $12.87 million commercial loan for industrial warehouses Represented banking client in the extension of two construction loans to be used for the construction and leasing of multiple industrial warehouses and distribution facilities in Fort Mill, South Carolina. $10 million lender representation Represented life insurance client in negotiating, structuring, documenting and advancing a $10 million non-recourse mortgage loan secured by three industrial buildings and real property located in Greenville, South Carolina. $8.5 million commercial loan for retail shopping center Represented life insurance company in negotiating, structuring, documenting and advancing an $8.5 million non-recourse mortgage loan secured by a retail shopping center, in Gallatin, Tennessee, and anchored by a large U.S. regional grocery chain. $49 million acquisition of 43 retail fuel and convenience stores Represented client in the $49 million acquisition of 43 retail fuel and convenience stores in North Georgia and East Tennessee. $17 million sale of web-based automated clearing house service provider Represented organization in the $17 million sale of the company. $125 million refinance of shopping center Represented national life insurance company in the $125 million refinance of Green Hills Mall in Nashville, Tennessee. $12 million real estate acquisition and development loan Represented major regional bank in closing a $12 million acquisition and development real estate loan. $65 million refinance Represented lender in the $65 million refinance of Turkey Creek Lifestyle Center in Knoxville, Tennessee. Acquisition of equipment at private sale Represented out-of-state equipment reseller in the acquisition of equipment at private sale from a national bank. Borrower representation Represented manufacturing company in closing a $17.9 million working capital and corporate loan. Foreclosure Represented major regional bank in the foreclosure of a residential development for more than $15 million. Foreclosure Represented local bank in a loan workout and the eventual foreclosure of a medical office building. Lender representation Represented national life insurance company in closing a $26 million permanent loan secured by a shopping center in North Carolina. Lender representation Represented national life insurance company in closing a $24.2 million construction loan for a build-to-suit project in Indiana and its conversion to a permanent loan upon completion of construction.
