Mortgage Expert Witnesses

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What is a mortgage expert witness?

Mortgage expert witness candidates typically have areas of expertise in mortgage banking, real estate lending, foreclosure, loan servicing, financial services, and/or mortgage loan processing. Mortgage expert witnesses often have an MBA, are Certified Public Accountants (CPA), or are Certified Fraud Examiners (CFE).

What types of cases require a mortgage expert witness?

Representative matters that call for an expert in mortgages have involved legal issues pertaining to:

• California commercial real estate finance,
• residential mortgage fraud in New York,
• lender liability,
• leasing contracts,
• title insurance,
• loan underwriting,
• private money lending,
• residential real estate mortgage lending and servicing, and
• subprime lending.

What litigation support work might a mortgage expert witness be expected to perform?

Litigation support and expert witness services could include document review, research and authoring expert reports, providing expert opinions, deposition testimony, and/or expert witness testimony in the courtroom. In addition, clients may seek a real estate industry or banking industry expert for pre-litigation consulting services.

Cahn Litigation Services has the experience required to turn a search for a mortgage expert witness around quickly, providing the right balance of expertise and testimony experience.

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Mortgage Expert Witness - Representative Bios

Please Note: All Cahn Litigation expert witness searches are customized to attorneys' precise specifications and preferences. Attorneys are encouraged to discuss search parameters with a Cahn search specialist.

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The below expert witness bios represent a small fraction of those Mortgage experts known by Cahn Litigation Services. These bios are provided to give lawyers a sense of the Mortgage landscape.

• Expert Witness #209971

  This expert has many years of experience in the mortgage business and credit field and a complete understanding of credit scoring, credit reporting, dispute verification, mortgage underwriting, mortgage origination, mortgage pricing including yield spread premium. This expert's past mortgage experience includes sub-prime, Atl A, Fannie Mae, Freddie Mac, FHA and VA. This expert has reviewed over 15,000 tri merged credit reports with mortgage applicants and has a complete understanding of how reporting errors can affect the consumer's ability to borrow. This expert is fully qualified to testify and has testimony experience with:

  -  Credit Scoring

  -  The FICO component of credit scoring

  -  The credit dispute process

  -  The mortgage underwriting process and qualifications

  -  The damages that credit errors have

  -  FCRA, FACTA, FDCPA and Identity Theft
  
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• Expert Witness #259991

  This expert leads a national consulting practice. This expert specializes in a wide array of real estate and mortgage specialties, including bank fraud, mortgage origination, underwriting, and sub-prime/stated income fraud analysis. This expert provides litigation consulting and expert witness services, as well as financial research and damage calculations.

  This expert’s firm has been retained in over 500 civil and criminal cases, and worked with clients as varied as banks, insurance companies, state government agencies and escrow companies.   Two cases concerned FHA brokerage operations. Some of the services this expert provides include:

  Litigation Consulting in Civil & Criminal Cases

  Mortgage Document Review and Analysis

  Evaluation of Bank Underwriting Practices

  Evaluation of FHA/VA Underwriting Practices

  Lenders' Standards of Care & Due Diligence

  Predatory Lending Abuses

  Mortgage Broker Malpractice

  Real Estate Broker Standards and Practices

  Title Issues (title chain, zoning) and Interpretation

  Escrow and Title Procedures & Closing Practices

  Real Estate-Related Economic Damages

  Short Sale Fraud & Wrongful Foreclosure Actions

  Lenders' Misconduct in Processing Loan Modifications

  Dual-tracking: Loan Modification Concurrent with Foreclosure

  
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• Expert Witness #251880

  This expert is a nationwide provider of mortgage consulting and expert witness services. This expert is committed to delivering superior service and products in the most cost effective, accurate and timely manner. This expert has many years of experience and possesses in-depth knowledge in all areas of operations of the mortgage industry. This expert has served as an expert witness in approximately thirty (30) cases, representing both plaintiffs and defendants in different capacities. This expert has been deposed six times and testified at trial once. Cases have included:

  -  Secondary marketing (forward commitment default)

  -  Servicing: improper allocation of payments, force placed insurance; improper foreclosure

  -  Mortgage Lender - predatory lending; improper TIL, GFE disclosures; misrepresentation

  -  Appraisal-fraud and Underwriter misrepresentation
  
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• Expert Witness #261803

  This expert became an expert witness many years ago testifying in both State and Federal courts on mortgage fraud, the loan process, the role and duties of borrower, loan originator, processor, appraiser, underwriter, document drawer, funder, escrow officer, title officer and county recorder. As a fraud expert this expert has presented before the FBI, DA, DRE and insurance investigators at the white-collar crime fraud prevention task force. This expert is a licensed DRE Broker and has a NMLS designation. This expert has been in the mortgage and lending business for many years and has worked in both the corporate and personal arenas.

  
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• Expert Witness #251896

  This expert began a career as an internal auditor with a National Bank. This expert helped community financial institutions as internal auditor, controller and chief financial officer. As a consultant this expert has assisted community financial institutions with investment management, asset liability management, investment banking, compliance issues, internal audit, deposit and loan operations, company policies and general accepted accounting principles. This expert has assisted in a capital raise for de-novo financial institutions. This expert has spent many years in the financial institution, and mortgage industries. This expert understands, first hand, the impact of changes that have occurred in these industries and most importantly, how these changes impact customers; especially business owners' ability to obtain capital and loans that they need to operate and grow their companies. That's why a large part of this expert's practice is devoted to helping consult with community financial institutions, including non-bank, as these changes affect them.

  
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• Expert Witness #265442

  This expert has been a commercial lender and involved in tax matters in many hundreds of millions of dollars of commercial properties (equity and financing included). This expert is very familiar with SEC filings, residential and commercial real estate. This expert understands and has experience with defeasance clauses and provisions. This expert actively serves as a testifying litigation expert witness in residential and commercial real estate, financing, securitization and mortgage foreclosure fraud. This expert has worked on over 1,000 cases, testifying in hundreds of cases nationwide. This expert is a U.S. Treasury, Internal Revenue Service Certified Acceptance Agent. This expert is BAR accredited to instruct attorneys in Continuing Legal Education (CLE) and nationwide reciprocal BARs on the subjects of residential and commercial real estate, financing, securitization and mortgage foreclosure fraud.

  
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• Expert Witness #239653

  This expert is a noted Real Estate authority. This expert regularly provides seminars and lectures. This expert is also an attorney and Licensed Insurance Broker. This expert has a substantial background in real estate brokerage, FHA mortgages, and mortgage alternatives.

  
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• Expert Witness #266507

  This expert is an expert in residential and commercial mortgage underwriting and finance. This expert has underwritten financing for 800+ homes to be marketed to VA loan eligible veterans, and for a bank this expert structured and underwrote $150 million in commercial debt financing for acquisition and development projects. This expert also structured, underwrote and closed $25+ million in conventional, government-insured and jumbo residential loans. This expert has worked as expert witness providing expertise in real investment valuation, loan financing, and market and financial analysis in a Federal housing discrimination lawsuit. This expert holds an MBA and Master in Architecture.

  
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• Expert Witness #247315

  This expert has many years' experience with financial institutions, and specifically with the lending, underwriting, and refinancing of real estate transactions. This expert has been designated as an expert witness in over eighty matters and has extensive experience in drafting expert reports for both state and federal litigation matters. This expert's skill as an expert witness brings to bear experience as a Bank President, the CEO of a mortgage brokerage, and Vice President and Chief Lending Officer at more than one lending institution. This expert understands the complexities of financing and refinancing and has had direct responsibility for lending and its ancillary evaluation tasks.

  
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• Expert Witness #260136

  This expert is a HUD certified counselor. This expert has undergone specific FHA training on underwriting and current FHA guidelines and rules. This expert has access to the most current FHA manuals. This expert also has access to FHA documentation to prove if an application was submitted to FHA in a timely manner, and the official reasons for the FHA application decline, if there was one. This expert also has access to FHA licensure information and show documentation that there is no such thing as a "straw broker" for a licensed MLO to work through. This expert has significant expert witness experience and attorney references.

  
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• Expert Witness #214367

  This mortgage fraud expert holds a PhD and has over 30 years of industry experience in mortgage compliance and regulation.

  Professional services include forensic mortgage file audits and analysis to identify issues related to mortgage fraud, federal and state violations, and misrepresentation. This expert is available to testify remotely.

  
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• Expert Witness #286847

  This lending expert holds a PhD and has institutional experience with major mortgage and financial institutions, including a major bank and a government-sponsored mortgage finance enterprise.

  Although this expert did not work in servicing departments at those institutions, this expert has substantial knowledge of processes used to modify servicing practices in response to natural disasters and other hazards. This expert was frequently involved in meetings related to loan servicing policies and practices, especially for borrowers experiencing issues related to natural hazards, including fire.

  In teaching real estate finance, this expert routinely discusses mortgage loan servicing. Earlier in this expert's career at a major mortgage lender, this expert spent considerable time valuing mortgage servicing rights.

  
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• Expert Witness #286858

  This mortgage expert is a senior banking and financial services consultant with over 30 years of experience in mortgage lending and real estate.

  This expert has held senior mortgage lending leadership roles with responsibility for mortgage lending operations and profitability, and has experience with mortgage consolidation and mortgage lender best practices across multiple jurisdictions and institutions of varying sizes. After retiring from a financial institution, this expert has consulted with banks on mortgage lending operations and worked with attorneys as a litigation advisor and expert witness.

  
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• Expert Witness #287722

  This mortgage and financing expert holds CPA, CFF, CGMA, ABV, and CVA credentials and is a managing partner at a forensic accounting and advisory service, overseeing full-time forensic accounting professionals who provide services including fraud analysis, mortgage resolution, and troubled individual and company financial workout accounting.

  This expert has extensive experience in real estate, mortgage banking, lending and securitization, and banking compliance. This expert participates in numerous bank- and mortgage-related litigation matters due to underwriting and operational experience in mortgage banking.

  
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• Expert Witness #293718

  This mortgage industry expert has over 30 years of hands-on experience as a mortgage broker and lender, with additional experience as a licensed, practicing attorney after many years as an entrepreneur and mortgage banker.

  This expert previously held senior executive leadership roles at a publicly traded residential mortgage lender that generated substantial annual loan volume. This expert also served in senior legal, compliance, and ownership roles at a nationally ranked mortgage-related firm, and previously led a prominent national mortgage broker association.

  This expert is certified nationwide as a subject matter expert in the mortgage industry.

  
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• Expert Witness #293826

  This mortgage fraud expert is a forensic analyst, Certified Fraud Examiner, Master Analyst in Financial Forensics, and Registered Real Estate Broker with over 30 years of experience in transactional analysis, mortgage auditing, mortgage fraud investigation, expert witness work, and litigation consulting.

  Through a consulting practice, this expert has conducted training in proving mortgage fraud and securitization of mortgage loans for a federal housing finance agency and a state attorney general's office.

  
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• Expert Witness #294051

  This mortgage broker business expert has worked in the mortgage industry for many years and has firsthand experience with team exits involving both mortgage brokers and mortgage bankers.

  This expert first encountered such a team exit in the mid-to-late 1990s, when a large group from a consumer finance company left to start a new mortgage business for a homebuilding company. That mortgage business became successful, and its leadership team later moved to another organization with a large percentage of coworkers following. These are examples of many similar team exits this expert has witnessed throughout a career in the mortgage industry.

  This expert has a deep background in managing mortgage personnel and addressing the challenges associated with employee retention. This expert has also served as a Rule 30(b)(6) witness for a federal banking agency on several diverse matters, with favorable outcomes once the facts were presented.

  
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• Expert Witness #294094

  This mortgage brokerage expert has over 15 years of experience in the real estate and mortgage industry, with substantial work in wholesale and retail operations.

  This expert has served in a leadership role, including as president of a state mortgage professionals association, and has worked for many years to advance mortgage brokerage practices through strategies focused on client needs, compliance, and adapting to regulatory changes.

  With a track record of substantial mortgage originations, experience in strategic brand development, and insight into complex financial and regulatory landscapes, this expert is positioned as a leader and thought partner in mortgage brokerage business practices.

  
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• Expert Witness #294989

  This mortgage fraud expert is a licensed real estate broker and former mortgage broker in California who has practiced real estate law for over 40 years and teaches courses covering mortgage lending, mortgage fraud, and real estate finance.

  This expert has taught mortgage lending and mortgage fraud through a professional realty institute and has served as an adjunct law professor at a law school, teaching real estate finance with coverage of mortgage fraud.

  
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• Expert Witness #300452

  This mortgage and lending expert holds CFE, CFCI, CFS, and CCCI credentials and is a senior leader at an advisory firm that has worked on mortgage-loan disputes for over 20 years, with over 40 years of experience in lending and mortgages.

  This expert has provided opinions and testimony regarding residential mortgage lending and servicing during the 2003-2010 period, including subprime lending practices, mortgage underwriting standards at the time, and issues related to the subprime lending crisis. This expert's firm has reviewed over 100,000 loans and has experience evaluating mortgage fraud.

  This expert is an experienced expert witness and litigation consultant with involvement in numerous cases.

  
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