SubPrime Mortgage Analysis Expert Witness

Provides Opinion & Testimony In:

Subprime Mortgage Analysis, secondary market loans, subprime, Alt A, underwriting guidelines, income analysis, credit analysis, assets analysis, tax return analysis, Mortgage Fraud mitigation, risk analysis, mortgage bulk acquisition analysis grading, stated income guidelines, reasonableness of stated income, stated assets guidelines, reasonableness of stated assets, appraisal review analysis, Mortgage Broker fraud determination, FNMA FHLMC guideline for lending, State Regulatory compliance, Corporation Business tax analysis, subprime mortgage lending guidelines, subprime lending practices for auto lending, evaluation credit worthiness, loan review, loan audit, compliance, mortgage loan documentation analysis, 1008, 1003, 1004, 1083 review analysis, ability repay analysis, fraudulent documentation review,

Expert Witness No.3000


Summary of Qualifications:

Expert 3000 has over 25 years experience in both Real Estate lending and Auto Finance lending.  She has experience in credit analysis in both Prime and Sub Prime mortgage products, Income and Asset analysis, Business tax return review and income analysis, experience with “stated” documentation lending programs and guidelines, Appraisal analysis and property valuation acceptance.  Her background included review and purchase of bulk mortgage and auto portfolios and has a strong background in the detection and prevention of loss from modified or fraudulent documentation.  Her background includes experience as a Finance Manager, Loan Originator, Loan Processor, Senior Mortgage Underwriter, and Regional Sales Manager for many well known corporations.  She is familiar with lending guideline niches for most states in the country.

2004- 2007 (A nationally known mortgage corporation)  San Diego,  CA  Senior Underwriter

Duties included management of all front end operations, from loan setup, through Account Management and Underwriting. Worked with 25 in house staff members and all Field Representatives to insure quality, accuracy and high pull through ratios. Consistently named top producing Underwriter in company with a proven record of high investor acceptance as well as volume and quality of work.  Provide training and support for all team members, strong compliance and quality assurance skills. Considered the primary source of contact with assistance on policy and guidelines from internal and Compliance staff and loan scenario assistance and guidance for both internal and field team members.  Monthly volume 80 -100 million.

2003 – 2008    Washington Mutual Finance (2003-2004) Branch Manager – also-  Washington Mutual Bank  (2007-2008) Senior Underwriter

Duties included full service branch operations, including Personal Loans, Sales Finance Accounts and Real Estate generations.  Office was 4th largest in volume within company and managed a staff of 17 employees.  Instrumental in reducing front end delinquency over 15% within first six months of staff training.  Responsible for business development, loan closing, training and delinquency control.  I resigned from the company in 2004 to work for New Century and was subsequently laid off from the company again in 2008 due to downsizing.

1998 – 2003 Mortgage Support Center   Chula Vista, CA Owner/Operator

Provided Mortgage related services throughout San Diego County.  Contracted Processing and Underwriting for numerous companies, knowledgeable in all aspects of loan products from A through hard money lending, provided Notary Services and maintained a staff of 6 employee’s located in 3 offices.


Notary Public

Tax Preparer

Licensed Real Estate