Disclosure Expert Witnesses

San Marcos, California

Real Estate, Banking - Mortgage Lending, Standard of Care, Compliance, TILA/RESPA Regulation, Disclosure, HAMP/Modification, Foreclosure, Underwriting, Residential, Loan Servicing, Real Estate/Mortgage Fraud, Financial Elder Abuse, CA DRE/NMLS Licensing

I have been in the mortgage industry for over 30 years, serving as a loan officer, branch manager, and area vice president. During this time, I have developed a strong base of knowledge and experience in many areas of the mortgage industry. On the origination end, this includes application, disclosure, processing, underwriting, appraisal, & funding. On the servicing end, this includes payment servicing, escrow accounts, modification, HAMP, and foreclosure. I am able to study a case file quickly and thoroughly, and establish a defensible opinion. My writing skills yield a strong written report. And, my public speaking and discussion skills present well in deposition and trial.

Irvine, California

Real Estate, Premises Liability - Property management, brokerage, agent, apartment, commercial, HOA, slip and fall, premises liability, maintenance, standards of care, disclosure, owner and broker disclosure, personal injury, mold, bedbugs, water intrusion, health and safety, fiduciary duty, fraud, receivership

Currently active as the Senior Vice President of Asset Management Services for Kidder Mathews: one of the largest commercial and property management brokerage firms in the western United States. In excess of seventy million square feet of assets under management. Serves as an expert witness in property management, standards of care, brokerage, owner and agent disclosure, premises liability, water intrusion, mold, bedbugs, personal injury, health and safety, fiduciary duty, and most all aspects of the real estate industry.

Boulder, Colorado

Banking, Financial - Lending and Collections, Workout Expert, Lending Practices and Procedures, Consideration, Compliance with Bank Agreements, Improper Collection Methods, Good Faith Issues, Disclosure, Hidden Assets and Liabilities, Credit Underwriting

Charles Holmes started his career with the U.S. Treasury Department and moved to the other side as a commercial banker. He co-founded two de novo banks in Boulder, Co. The first was started in 1995, went public in 1999, and recently sold to an out of state bank. In 2011, he started another bank which sold in 2016. Both banks had rapid growth and success. Holmes spent much of his banking career managing credit issues and collection efforts. He was chairman of loan committee approving up to $12Million per credit relationship. He has been involved in structuring and collecting relationships up to $25million. Holmes took great pride in working through the collection issues and learned firsthand the pitfalls banks and borrowers make when trying to protect themselves under stressful situations. The outcome can often be a material conflict where one side, or both, act improperly. His hands-on experience these past 40 years has made him an excellent and confident expert witness. He has be...

YORK, South Carolina

Banking, Real Estate - commercial loans, residential mortgages, mortgage loan servicing, predatory lending, truth in lending, RESPA, debt collection, underwriting, consumer protection, USPAP compliance, appraisal review, lending operations, foreclosures, disclosure, due diligence, lender liability, risk

Former Senior Vice President with over 20 years of lending, cash management, and bank operations experience. Vast hands-on experience in bank lending practices, deposit accounts, and matters involving residential real estate and mortgage loan servicing. Certified Residential Appraiser. Certified in credit risk. Extensive, coast-to-coast, experience as an expert witness (retained in more than 230 matters). Expert witness engagements have involved commercial loans, residential mortgages, predatory lending, debt collection, underwriting, consumer protection, fraud, truth in lending, lender liability, mortgage loan servicing, deposit accounts, residential property valuation, and USPAP compliance. Clients include individuals, small business owners, mortgage loan servicers, and some of the largest lenders in the US. Experienced in both state and federal cases (including class actions). Extensive testifying experience at deposition and trial.

Salt Lake City, Utah

Real Estate, Real Estate Appraiser - Real Estate Brokerage, Commercial, Development, Fiduciary Duties, Ethics, Valuation, 1031 Tax Deferred Exchange, Leasing, Acquisitions, Dispositions, Office, Industrial, Warehouse, Retail, Multifamily, Land, Investments, Residential, Due Diligence, Disclosure

Experienced Real Estate Broker: 29+ Years in Real Estate 22+ Years in Commercial Real Estate Certifications: Dual Specialist in Industrial & Office (SIOR) Certified Commercial Investment Member (CCIM) Awards: Top Producing Active Transactional Commercial Broker (top 5%) in Nationally Ranked Office of Global/International Firm Commercial Realtor of the Year, CCIM of the Year, Distinguished Service Award, Platinum & Hall of Fame Honors, Presidents & Circle of Distinction Proficiency: Office - Industrial/Distribution/Warehouse - Multifamily - Retail - Investments - Land - Residential/Residential Development - Leasing & Sales Transactions Key Specializations: -Tenant & Landlord Leasing Representation -Sales, Purchase, Acquisition & Disposition Services -Ethical Practices & Fiduciary Duties -Valuations, Broker Price Opinion & Broker Opinion of Value -Due Diligence, Disclosures -Property Marketing & Advertising -Investment Analysis -Negotiations, Advisory, Corporate & Consulting S...