Mortgage Loan Expert Witness
Mortgage Loan, foreclosure, bankruptcy, deficiency judgment, short sale, loan origination, loan service, loan servicing, mortgage loan, fair housing, trust fund handling, real estates sale, licensed broker, tax issues, tax preparer, IRS issues, mortgage lending deed of trust reconveyance, real estate forensic, foreclosure, bankruptcy, deficiency judgment, short pay, short sale, loan origination, loan service, loan servicing, workouts, forebearance agreements, note modifications, payment plans, deed in lieu of foreclosure, tax issues, mortgage banking, investor reporting, MI, PMI, wholesale lending, retail lending, borrower, trustor, trustee, beneficiary, lender, investor, banks, loss mitigation, home retention, asset management, REO, reo real estate owned, trustee sale, notice of default, notice of trustee sale, TSGs, trustees sale guarantee, cloud on title, default, reinstatement, rescission, conveyance, reconveyance, grand deed, quitclaim deed, warranty deed, real estate purchase contract, listing agreement, agency, land contract, lease option, real estate disclosure, seller disclosure, licensed broker, registered tax preparer, CPA, deed of trust, trust deed, mortgage insurer, risk management, subprime loans, subprime market, hard money, subprime mortgages, credit, credit reports, non disclosure issues, RESPA, 1003, 1008, good faith estimate, truth in lending, unlawful detainer action, liquidating plans, temporary indulgence, assignment of rents, trustee sale officer, car, NAR, DRE, MLS, CTA, Commodity Trading Advisor, CTC cost to company, CTEC, accountants, accountancy, taxes, escrow, title, steering, redlining, DRE Department of Real Estate, RESPA Real Estate Settlement Procedures Act
Expert Witness No.2609
IllinoisSummary of Qualifications
Qualified by more than ten years experience, knowledge and responsibility in the real estate industry, including loan service, mortgage brokerage, banking estate sales, servicing and title services.
Areas of Expertise:
Loan Servicing – Short-Pay/Sales, Forbearance Agreements, Note Modifications, Deeds in Lieu of Foreclosure, Assumptions and Payoffs, Workouts
Loan Origination/Mortgage Brokerage/ Banking/Mortgage Insurers/Investors
Real Estate Deficiency Issues
Real Estate Sales and Loan Origination Due Diligence/Loan Fraud
Professional Experience
1998 to Present
Real Estate Attorney and Broker and Mortgage Brokerage Company Owner
Expert 2609 provides professional real estate services, including residential and commercial sales, mortgage loan origination and real estate tax issues. Expert 2609 acts as consultant and advisor to real estate professionals, including attorneys, title and escrow professionals, trade associations as well as homeowners facing foreclosure action. Speaks and educates real estate professionals throughout Illinois.
Employment History
President/Owner
A Private Mortgage Corporation - Chicago, IL
May 2003 – Present
Originate more than $25,000,000.00 of mortgage loans annually.
Monitor and implement loan fraud monitoring systems.
Train and educate mortgage and real estate professionals on emerging industry issues.
Litigation consultant to attorneys,lenders and real estate professionals.
Executive Vice President/General Counsel
Hammer Financial Corp. – Chicago, IL
August 1998 – April 2003
Coordinate and oversee all company legal and administrative matters.
Implement mortgage broker and mortgage lender relationships.
Broker conforming and non-conforming mortgage loans.
Associate – Field & Golan – Chicago, IL
October 1996 – August 1998
Advised and represented corporate clients in general corporate and real estate matters.
Negotiated, documented and implemented complex corporate and real estate transactions.
Prepared and negotiated complex commercial loan documentation for corporate and real estate acquisitions and dispositions.
Associate – Patzik, Frank & Samotny Ltd. – Chicago, IL
June 1995 – October 1996
Facilitated corporate mergers, acquisitions and related transactions.
Negotiated, implemented and closed commercial and industrial real estate leases, acquisitions and dispositions.
Associate – Berger, Newmark & Fenchel P.C. – Chicago, IL
June 1993 – June 1995
Implemented general corporate and real estate transactions.
Negotiated employment and collective bargaining agreements on behalf of management.
Education
Valparaiso University School of Law – Valparaiso, Indiana
Juris Doctor, Honors, May 1993
Indiana University – Bloomington, Indiana
Bachelor of Arts, Honors, May 1989
Major: Communications
Minor: Spanish
Universidad de Sevilla – Seville, Spain
January 1989 – June 1989
Fluent in Spanish
Licensed Illinois
Attorney
Real Estate Broker
Loan Originator
Illinois Mortgage Broker/Owner
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