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Ann L. Ramsey Partner

Ann Ramsey is a partner at Gebhardt & Smith who represents financial institutions and funds, commercial property owners, investors, and commercial property managers in matters that include real estate and commercial finance transactions such as credit syndications, multi-lender transactions, multi-state real estate transactions, conduit loan transactions and mezzanine financing; commercial real estate acquisitions, sales and financing; and general real estate matters such as preparing easements, leases and licenses. Ann also provides advice to owners and investors with respect to various types of real estate, including multi-family, office and retail properties.

Ann graduated 7th in her class from the University of Richmond School of Law where she was an Editor of the University of Richmond Law Review and inducted into the McNeill Honor Society.  Prior to her legal career, Ann earned a B.A. in English and Political Science, cum laude, from Concord University. At Concord, she was inducted into the Cardinal Key Honor Society for her scholarship and community service, and she served as an Editor of Reflexes, a creative writing magazine. 

Bar Admissions

  • Virginia, 1981
  • Maryland, 1992

Court Admissions

  • United States Supreme Court
  • United States District Court for the District of Maryland
  • United States Bankruptcy Court for the District of Maryland
  • United States Bankruptcy Court for the Eastern District of Virginia
  • United States Bankruptcy Court for the Western District of Virginia

Education

  • University of Richmond School of Law (J.D., 1981)

    McNeill Honor Society

  • Concord University (B.A., cum laude, 1976)
  • Maryland State Bar, Real Property Section Council
    • Chair, 2015-2016
    • Co-Chair, 2014-2015
    • Secretary/Treasurer, 2013-2014
    • Chair, Commercial Real Estate Discussion Group, 2000-2013
  • Member, Maryland State Bar, 1992-present
  • Member, Virginia State Bar, 1981-present
  • Board Member & Finance Committee Member, Augsburg Lutheran Village, Baltimore, MD (early 2000s)
  • President, Church Council, Salem Lutheran Church, Catonsville, MD (early 2000s)
  • Speakers Bureau, Lutheran World Relief, Baltimore, MD
    • Topics have included:
    • Micro-Banking and Sustainable Fishing in Katosi, Uganda
    • Sustainable Farming in Kenya and Uganda
    • HIV/Aids Education in Kenya and Uganda
  • The Lender’s Perspective, Distressed Properties and Loans in a Troubled Market, Saul Ewing LLP Real Estate Conference, November 2009
  • Loan Work Outs Without Bankruptcy:  Lenders’ Remedies and Borrower’s Strategies, Advanced Real Property Institute, MSBA, October 2009
  • Panelist, Basic Foreclosure Seminar for NationsBank, November 1992
  • Panelist, Advanced Foreclosure Seminar for NationsBank, November 1992
  • Chapter 11 Cram-Downs, 53rd Annual Meeting of the Virginia State Bar, June 1991
  • Real Estate Workouts From the Lender’s Perspective, The Practical Real Estate Lawyer, Vol. 27, No. 4, July 2011
  • Employee Covenants Not To Compete: Where Does Virginia Stand?, University of Richmond Law Review, Fall 1980
Overview

Ann Ramsey is a partner at Gebhardt & Smith who represents financial institutions and funds, commercial property owners, investors, and commercial property managers in matters that include real estate and commercial finance transactions such as credit syndications, multi-lender transactions, multi-state real estate transactions, conduit loan transactions and mezzanine financing; commercial real estate acquisitions, sales and financing; and general real estate matters such as preparing easements, leases and licenses. Ann also provides advice to owners and investors with respect to various types of real estate, including multi-family, office and retail properties.

Ann graduated 7th in her class from the University of Richmond School of Law where she was an Editor of the University of Richmond Law Review and inducted into the McNeill Honor Society.  Prior to her legal career, Ann earned a B.A. in English and Political Science, cum laude, from Concord University. At Concord, she was inducted into the Cardinal Key Honor Society for her scholarship and community service, and she served as an Editor of Reflexes, a creative writing magazine. 

Bar Admissions

  • Virginia, 1981
  • Maryland, 1992

Court Admissions

  • United States Supreme Court
  • United States District Court for the District of Maryland
  • United States Bankruptcy Court for the District of Maryland
  • United States Bankruptcy Court for the Eastern District of Virginia
  • United States Bankruptcy Court for the Western District of Virginia

Education

  • University of Richmond School of Law (J.D., 1981)

    McNeill Honor Society

  • Concord University (B.A., cum laude, 1976)
Professional / Community Affiliations
  • Maryland State Bar, Real Property Section Council
    • Chair, 2015-2016
    • Co-Chair, 2014-2015
    • Secretary/Treasurer, 2013-2014
    • Chair, Commercial Real Estate Discussion Group, 2000-2013
  • Member, Maryland State Bar, 1992-present
  • Member, Virginia State Bar, 1981-present
  • Board Member & Finance Committee Member, Augsburg Lutheran Village, Baltimore, MD (early 2000s)
  • President, Church Council, Salem Lutheran Church, Catonsville, MD (early 2000s)
  • Speakers Bureau, Lutheran World Relief, Baltimore, MD
    • Topics have included:
    • Micro-Banking and Sustainable Fishing in Katosi, Uganda
    • Sustainable Farming in Kenya and Uganda
    • HIV/Aids Education in Kenya and Uganda
Presentations
  • The Lender’s Perspective, Distressed Properties and Loans in a Troubled Market, Saul Ewing LLP Real Estate Conference, November 2009
  • Loan Work Outs Without Bankruptcy:  Lenders’ Remedies and Borrower’s Strategies, Advanced Real Property Institute, MSBA, October 2009
  • Panelist, Basic Foreclosure Seminar for NationsBank, November 1992
  • Panelist, Advanced Foreclosure Seminar for NationsBank, November 1992
  • Chapter 11 Cram-Downs, 53rd Annual Meeting of the Virginia State Bar, June 1991
Publications
  • Real Estate Workouts From the Lender’s Perspective, The Practical Real Estate Lawyer, Vol. 27, No. 4, July 2011
  • Employee Covenants Not To Compete: Where Does Virginia Stand?, University of Richmond Law Review, Fall 1980