Bar Admissions

  • Maryland

Court Admissions

  • U.S. District Court for the District of Maryland


  • J.D., cum laude, University of Baltimore School of Law, 1997
  • B.A., University of Maryland, 1993


  • American Bar Association

    Maryland State Bar Association

    Bar Association of Baltimore City

    CREW Baltimore (Commercial Real Estate Women, Baltimore Chapter)

    U.S. Green Building Council – Maryland Chapter
T +1 410.244.7560
F +1 410.244.7742

Gina A. Zentz


Gina Zentz is a member of the real estate group who advises clients on a broad range of business, real estate and affordable housing matters. She regularly represents lenders, owners, investors, and developers in the acquisition, disposition, development and construction, and financing of commercial real estate projects. Gina has extensive experience in representing clients in all facets of affordable multifamily and senior housing rental projects. In her affordable housing practice, Gina represents lenders, for-profit and non-profit developers and sponsors, project owners, tax credit syndicators and investors in negotiating the acquisition, equity investment, joint venture ownership and financing aspects of transactions and navigating clients through income and rent restrictions affecting affordable housing projects.

Gina has extensive experience negotiating and closing complex commercial real estate finance transactions as well as structured and mezzanine finance transactions. This includes structures involving rated and securitized debt obligations and multiple sources of funding and subsidies, including tax-exempt municipal bonds, low-income housing tax credits, construction loans, conventional bank loans, equity investments, Fannie/Freddie agency insured loans, and FHA/HUD insured loans. Gina advises clients on asset management issues and represents lenders and servicers on loan restructurings, dispositions of secured real estate, bond and loan sales, and workouts.

Gina is also experienced in negotiating and closing tax-exempt municipal bond transactions for lenders, bond purchasers, and developers of multifamily and senior housing projects and the financing of photovoltaic solar facilities.