Suanne C. St. Charles is a Boston real estate lawyer in Holland & Knight's Real Estate section. Ms. St. Charles focuses her practice on real estate finance.

Ms. St. Charles has extensive experience in affordable housing finance, representing lenders providing debt financing on tax exempt and conventional low income housing tax credit projects throughout the country. She also represents commercial lenders on a broad range of secured lending transactions involving construction, revolving, permanent, bridge and mezzanine financings for office, retail, hotel, condominium, industrial parks, mixed-use and multifamily projects.

In addition, Ms. St. Charles has extensive experience representing lenders in work-outs, deeds-in-lieu and foreclosures of nonperforming real estate assets.


  • Represented a permanent lender in more than 75 multimillion-dollar bond transactions for affordable housing projects across the country in ongoing engagements from 2012 - 2019; transactions were structured as forward commitments and ranged in size from $15 million to $68 million
  • Represented a permanent lender in creating three large investment funds, approximately $100 million each, formed to hold forward permanent financing commitments generated by a reinvestment corporation for affordable housing projects

  • Represented a permanent lender issuing forward commitments for permanent financing loans that were offered by four investment funds; these transactions are generally taxable financings with 9 percent tax credits, ranging in size from $4 million to $15 million

  • Represented a Boston bank in a $40 million bond financing for a private school in California 
  • Represented a Boston bank in a $40 million bond financing for a private school in Massachusetts 
  • Represented a Colorado developer in developing and constructing a 286-unit apartment building in the Bulfinch Triangle area of downtown Boston
  • Represented a large electronic health records and practice management services provider located in Watertown, Mass., in acquiring its multi-acre campus on the banks of the Charles River from a major university in Cambridge, Mass.
  • Represented a national lender in connection with modifying or enforcing more than 500 real estate loans secured by properties throughout Massachusetts and New Hampshire
  • Represented a state agency in negotiating a ground lease and related documentation associated with a 15-acre project site (previously used as a highway maintenance facility) redeveloped for use as a 270,000-square-foot first-class office building
  • Represented the senior lender in the financing of a parking garage facility in the Back Bay area of downtown Boston, involving a large acquisition/construction loan with a major mezzanine lender
  • Represented a first mortgage lender in a major financing of the acquisition and construction of a demolition/construction debris waste transfer facility in Brockton, Massachusetts, on a Brownfields site 
  • Represented a state agency in connection with development, permitting and construction of two correctional facilities, one in western Massachusetts and one on Cape Cod
  • Participated in the representation of a major Massachusetts health insurance provider in the acquisition of a 375,000-square-foot office building and the acquisition of a 32-acre parcel of vacant land and development/construction of a large office building, both on the South Shore
  • Represented a state agency in foreclosing on two large multifamily projects and on a partially completed affordable housing condominium project on Cape Cod
  • Participated in the representation of a state development agency in the sale of an 88-acre parcel of land to be developed into a large manufacturing facility


  • Boston College Law School, J.D., cum laude
  • Carleton University, B.A., with honors
Bar Admissions/Licenses
  • Massachusetts
  • American College of Mortgage Attorneys (ACMA)
  • Real Estate Bar Association
  • Boston Bar Association
  • Habitat for Humanity Greater Boston, Chair, 2013-2015; Vice Chair, 2012; Executive Committee, 2008-2016; Board of Directors, 2006-2016
Honors & Awards
  • The Best Lawyers in America guide, Banking and Finance Law, Real Estate Law, 2013-2021
  • Chambers USA – America's Leading Business Lawyers guide, Banking & Finance, 2010-2012
  • Massachusetts Super Lawyers magazine, 2005-2009, 2018, 2019 
  • New England Super Lawyers magazine, 2007-2009
  • Martindale-Hubbell AV Preeminent Peer Review Rated


Speaking Engagements