Hard Money Expert Witness

Expert Witness No.2609

Summary 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