Kelsey Swaim Miller


As a transactional attorney, Kelsey Miller has a broad practice. Kelsey focuses primarily in the areas of commercial lending and commercial real estate transactions, including the protection of creditors’ rights through foreclosure, bankruptcy, and collections. Kelsey brings a practical approach to her practice and is skilled at structuring and documenting commercial and construction loans in the most efficient manner to achieve her clients’ goals. Kelsey also regularly assists clients with business formation and estate planning.

Representative Experience

  • Lender’s counsel in a transaction for the acquisition of nine (9) grocery-anchored shopping centers in Maryland, Virginia, and Pennsylvania
  • Lender’s counsel in refinance transaction of six (6) cross-collateralized credit facilities involving seven (7) related entities and collateral located in three (3) states
  • Buyer’s counsel in the acquisition of decommissioned coal-fired power plant in Montgomery County, Maryland
  • Regularly represent local and regional banks and other financial institutions in various commercial transactions including the acquisition, construction, and refinance of hotels, retail stores, self-storage facilities, mixed-use development, and single-family residential subdivisions
  • Regularly serve as settlement agent for commercial and residential real estate transactions including the preparation of deeds and other incidental closing documents

Licensed In

  • Maryland
  • Pennsylvania
  • West Virginia


  • J.D. Pennsylvania State University Dickinson Law
  • B.S. West Virginia University


  • Law School Mentoring Program Mentor, Leadership Council on Legal Diversity
  • 2023 Fellows Program, Leadership Council on Legal Diversity
  • Class of 2015, Leadership Berkeley, Martinsburg-Berkeley County Chamber of Commerce
  • Board of Directors, Eastern Panhandle Bar Charitable Foundation, Inc.
  • Board of Directors, Boys and Girls Club of the Eastern Panhandle, Inc.


  • The Best Lawyers in America®: Ones to Watch – Banking and Finance Law (2024), Real Estate Law (2024)


  • “UCC Amendments in 2022 Address Emerging Digital Technologies,” Community Bankers of West Virginia Newsletter, December 2022
  • “Alternative Dispute Resolution and Social Media: How Mandatory Arbitration Clauses Impact Social Networking,” 5 Yearbook on Arbitration & Mediation- 2014
  • “Education & Entrepreneurship: Implications for Contemporary Microfinance,” 4 Am. J. of Bus. Educ. 11- Nov. 2011

Related Services

Related News & Resources

Press Releases
Bridgeport, WV – Steptoe & Johnson PLLC is excited to share that 123 of the firm’s atto...
Legal Insights
The market for digital assets, such as cryptocurrency and non-fungible tokens (NFTs), all of wh...
Press Releases
Firm elevates ten attorneys to Member, four to Of Counsel BRIDGEPORT, W.Va. – Steptoe & J...

Stay informed. Sign up for our mailing lists.

Stay Informed

All of our news and resources are shared electronically. Select your preferred list(s) below.(Required)