This real estate finance and mortgage lending professional serves as an expert witness with more than 35 years of experience in mortgage banking, real estate lending, and financial services. Their work focuses on evaluation of real estate standard of care, appraisal review, and mortgage lending practices, including brokerage and mortgage banking activities. The expert has provided consultation, deposition testimony, and courtroom testimony for more than 10 years in matters involving mortgage transactions, lending practices, and secondary market activities.

Their expertise includes analysis of real estate transactions, mortgage underwriting, loan servicing, and secondary market transaction review, with additional focus on mortgage brokerage and mortgage banking activities. Professional experience reflects oversight of lending operations, including loan production, secondary marketing, underwriting, loan operations, compliance, and quality assurance. This background supports evaluation of industry standards and operational practices within financial services and lending environments. Case involvement includes preparation of expert witness reports, participation in depositions, arbitration proceedings, and trial testimony in disputes involving lending institutions, title-related matters, and real estate transaction issues. Documented assignments reflect repeated retention in matters involving loan servicing, underwriting practices, and secondary market transactions, with analysis addressing lending procedures and practices. The expert holds a Bachelor of Arts degree with academic concentration in history, marketing, and political science. Professional involvement includes participation with the California Mortgage Bankers Association, Fannie Mae, and the California Department of Real Estate, reflecting engagement with industry organizations and regulatory considerations.