Andrew W. Saag

Andrew W. Saag: Attorney with Sirote & Permutt, P.C.
  • Shareholder at Sirote & Permutt, P.C. (108 Attorneys)
  • 2311 Highland Avenue South, P.O. Box 55727, Birmingham, AL 35205
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Andy's practice focuses on the mortgage banking industry. He represents national mortgage lenders, servicers and investors in the areas of mortgage banking law, foreclosure law and title insurance law. Additionally, Andy's practice also includes estate and charitable deduction planning, specifically planning for and defending conservation easements.

Outside the Office

Birmingham Jewish Federation
Next 100 Years Steering Committee
Board Member
Levite Jewish Community Center
Vice President (2015-Present)
Treasurer: 2012-14
Birmingham Jewish Federation
Board Member (2012-Present)
Birmingham Football Officials Association
Member (2012-Present)
Birmingham Rotaract
Member (2010-13)

Professional Profile


•Alabama State Bar
•Birmingham Bar Association
•National Reverse Mortgage Lenders Association
•Licensed Title Agent in Alabama
•Alabama Manufactured Housing Association
•Legal League 100
•Mortgage Bankers Association

Thought Leadership

•Real Estate and Title Curative
•Handles real estate foreclosures for lenders and mortgage holders involving residential and commercial real estate
•Negotiates contracts, including loans, leases, purchase agreements, personal services agreements and consulting agreements
•Advises local, regional and national financial real estate and telecommunications clients
•Clerk to Jefferson County District Criminal Court, Judge O.L. Pete Johnson


Nine Sirote Lawyers Named Shareholder - 2/14/2014

Sirote Receives 2011 USFN Award of Excellence - 10/28/2011

Maury Shevin and Andy Saag Presenters at CLE Alabama Seminar - 2/28/2011

Sirote Receives 2010 USFN Award of Excellence - 10/11/2010

Speeches & Publications

•Speaker, CFPB: What's New & Where We're Headed, USFN Loan Management & Servicing Seminar, Orlando 2018
•Author, Demand in Motion Qualifies as Written Demand Under Alabama's Redemptions Statute, Legal League Quarterly, Quarter 1, 2016
•“CFPB Mortgage Servicing Rules - Loss mitigation: Procedures upon receipt of a CLMP,” USFN Report, Summer 2014; inSight: Mortgage Law, October 2014
•Author, The Alabama Residential Mortgage Satisfaction Act, The Counselor, September 2013
•Author, Alabama - Authority to Foreclose , USFN Report, Autumn 2013
•Author, Alabama Changes Laws Regarding Tax Redemptions , inSight: Mortgage Law, June 2013
•Author, The Alabama Residential Mortgage Satisfaction Act , inSight: Mortgage Law, March 2013
•Co-Author, RESPA, Titles and More , inSight: Mortgage Law, June 2012
•Author, Courts Question Lender's Standing to Foreclose , inSight: Mortgage Law, April 2012
•Panelist, The Impact of Dodd-Frank Act on Mortgage Servicing , USFN Loan Management & Servicing Seminar, March 2012
•Co-Author, UCC, HAMP and More , inSight: Mortgage Law, December 2011
•Author, How to Lower the Cost of Foreclosures in Alabama , The Counselor, Summer 2011
•Author, Can Lender Pursue a Deficiency After 1099-C Form Sent to Debtor? , inSight: Mortgage Law, May 2010
•Co-Author, S.B. 151: Changes to Alabama's Manufactured Housing Title Law , The Counselor, Winter 2010
•Author, Fed Issues Amendment to Reg Z re: Notice when Mortgage Assigned , inSight: Mortgage Law, December 2009
•Author,“Foreclosure Sale Valid Without Recorded Assignment,” inSight: Mortgage Law, October 2009
•Author, “Courts Rule That the Holder of a Note May Foreclose,” inSight: Mortgage Law, September 2009
•Author, “Is HAMP Constitutional?” inSight: Mortgage Law, September 2009
•Author,“HAMP - Home Affordability Modification Program,” inSight: Mortgage Law, July 2009
•Author, “Implication of the Mortgage Reform and Anti-Predatory Act of 2009”, inSight: Mortgage Law, May 2009
•Author, “Gift Cards: New Legal Hurdles”, The Counselor, Summer 2009
•Author, New Legislation Affects Mortgage Servicers, USFN Report, Summer 2012
•Speaker, “Foreclosure and Workout Issues in Alabama,” CLE Alabama, Feb. 2011
•Author, “Changes in Alabama Manufactured Housing: S.B. 151,” USFN Report, Fall 2009

Areas of Practice (7)

  • Mortgage Services
  • Ejectments/Evictions
  • Foreclosures & Creditor's Rights
  • Mortgage Services & Real Estate Litigation
  • Regulatory, Compliance & Risk Management
  • Financial Institutions
  • Real Estate

Education & Credentials

Contact Information:
205.930.5226  Phone
205.212.2972  Fax
University Attended:
Samford University, MBA, 2008; University of Georgia, BS, cum laude, 2005
Law School Attended:
Cumberland School of Law, JD, cum laude, 2008
Year of First admission:
2009, Alabama


•Alabama State Bar
•Birmingham Bar Association
•National Reverse Mortgage Lenders Association
•Licensed Title Agent in Alabama
•Alabama Manufactured Housing Association
•Legal League 100
•Mortgage Bankers Association

Birth Information:

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