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Amy Howland practices primarily in real estate and financial transactional and corporate governance matters, including purchase, sales and leasing for commercial properties, negotiation of financial transactions, loan workouts and corporate affairs. She is peer review ranked BV® Distinguished™ by Martindale Hubbell. Amy is active in professional and industry associations. Prior to joining Burch & Cracchiolo in 1998, Amy was Assistant General Counsel for Citibank Arizona. In her ten years as counsel for Citibank, Amy documented commercial real estate loan transactions, prepared master documents for automated loan documentation systems and developed and coordinated an in-house foreclosure practice area. She was also counsel for the National Classified Asset Management Division for Citibank assisting the unit in loan workouts, and sales, leasing and ownership issues for bank owned properties. In addition, she served as Regional Counsel for the Business and Professional and Real Estate Investment Services Lending Divisions. Amy practiced law in Colorado and was in-house counsel for a mortgage company.

Practice Areas

  • Business & Corporate Law
  • Default Servicing
  • Real Estate


J.D., University of Denver College of Law, 1981

  • Administrative Law Journal
  • Phi Alpha Delta
  • TrueBlood Scholar

B.A., Political Science, magna cum laude, University of Massachusetts-Amherst, 1979

  • Phi Kappa Phi
  • Pi Sigma Alpha

Admitted In

  • Arizona
  • Colorado

Areas of Concentration

  • Commercial Finance
  • Construction & Project Finance
  • Foreclosure
  • Land Use and Zoning
  • Lender Liability Matters
  • Loss Mitigation
  • Real Estate Finance
  • Real Estate Owned (REO) properties

Honors & Awards

Ranked BV® Distinguished™
*AV® Preeminent ™ and BV® Distinguished™ are certification marks of Reed Elsevier Properties Inc., used in accordance with the Martindale-Hubbell certification procedures, standards and policies.

Representative Engagements

  • Representation of buyer of a munitions building in Denver, Colorado that was turned into a law firm
  • Representation of buyers, sellers, investors, landlords, and tenants in a wide variety of real estate transactions. Negotiation of financing for numerous large matters involving condominium conversion projects
  • Representation of owner in sales of several shopping centers
  • Represented clients in connection with large loan workouts and restructurings.

Professional Affiliations

American Bar Association
State Bar of Arizona
• Real Property Section
State Bar of Colorado
Maricopa County Bar Association
• Corporate Counsel Division
National Network of Commercial Real Estate Women
Arizona Commercial Real Estate Women
• Newsletter & Programs Committees
Primerus Women Lawyers Section - Chair

Community Involvement

Firm Representative, Greater Phoenix Chamber of Commerce 2011- present
Valley Partnership
• Community service projects, including projects for School for Deaf & Blind, Boys & Girls Club, Guadalupe Clinic