Redlining Expert Witnesses

Madison, Connecticut

Financial, Real Estate - Mortgage lending, Loss mitigation, Mortgage fraud, Redlining, Housing finance, Predatory lending, Discrimination, Property appraisals, Fair lending, Compliance, Home equity, Wholesale mortgage lending, Foreclosure, Reverse mortgages, Mortgage servicing

Anna DeSimone is an author and consultant on the topic of residential mortgage lending compliance and industry business practices. She was founder and CEO of Bankers Advisory, Inc., an audit services and consulting firm, where she led a team of 50 persons including 25 staff attorneys in completing assessments of more than two million mortgages. The company was acquired by Clifton Larson Allen LLP, a top ten US public accounting firm. Anna DeSimone provides expert services on behalf of defendant banks, mortgage companies, and loan servicers. She maintains updated rules and requisite consumer notifications mandated by state legislature, federal supervisory agencies, and government-sponsored enterprises pertaining to mortgage origination, servicing, loss mitigation, and foreclosure. Her court testimony in the 9th federal circuit resulted in a precedent win for Truth in Lending, Regulation Z, and she has provided testimony to the Department of Housing and Urban Development (HUD). Her d...

Tequesta, Florida

Financial, Real Estate - Mortgage lending expert, Mortgage compliance, RESPA, TILA, TRID, Dodd-Frank, Fair lending, Steering, Redlining, Loan officer conduct, Underwriting standards, Debt-to-income (DTI), Automated underwriting system (AUS), Overlays, Pricing discretion, Quality control (QC), Repurchase disputes, Wrongful foreclosure, Industry standard

Joshua Ulmer is a mortgage lending expert witness and mortgage compliance expert witness with more than 22 years of experience in mortgage lending operations, mortgage underwriting, and loan officer conduct. He provides expert witness services in mortgage litigation for both plaintiff and defense counsel on a nationwide basis. Mr. Ulmer has extensive experience in mortgage origination, underwriting standards, debt-to-income (DTI) analysis, automated underwriting system (AUS) findings, lender overlays, and pricing discretion. He routinely evaluates whether mortgage lenders and loan officers complied with industry standard of care and federal mortgage regulations, including RESPA, TILA, TRID, and Dodd-Frank. As a mortgage compliance expert, Mr. Ulmer analyzes claims involving fair lending, steering, redlining, discriminatory lending, wrongful foreclosure, and improper underwriting. He is also retained in matters involving quality control (QC) failures, repurchase disputes, rep and w...

Massachusetts

Financial, Real Estate - Mortgage lending, Loss mitigation, Mortgage fraud, Redlining, Housing finance, Predatory lending, Discrimination, Property appraisals, Fair lending, Compliance, Home equity, Wholesale mortgage lending, Foreclosure, Reverse mortgages, Mortgage servicing

Anna DeSimone is an author and consultant on the topic of residential mortgage lending compliance and industry business practices. She was founder and CEO of Bankers Advisory, Inc., an audit services and consulting firm, where she led a team of 50 persons including 25 staff attorneys in completing assessments of more than two million mortgages. The company was acquired by Clifton Larson Allen LLP, a top ten US public accounting firm. Anna DeSimone provides expert services on behalf of defendant banks, mortgage companies, and loan servicers. She maintains updated rules and requisite consumer notifications mandated by state legislature, federal supervisory agencies, and government-sponsored enterprises pertaining to mortgage origination, servicing, loss mitigation, and foreclosure. Her court testimony in the 9th federal circuit resulted in a precedent win for Truth in Lending, Regulation Z, and she has provided testimony to the Department of Housing and Urban Development (HUD). Her d...

New York

Financial, Real Estate - Mortgage lending, Loss mitigation, Mortgage fraud, Redlining, Housing finance, Predatory lending, Discrimination, Property appraisals, Fair lending, Compliance, Home equity, Wholesale mortgage lending, Foreclosure, Reverse mortgages, Mortgage servicing

Anna DeSimone is an author and consultant on the topic of residential mortgage lending compliance and industry business practices. She was founder and CEO of Bankers Advisory, Inc., an audit services and consulting firm, where she led a team of 50 persons including 25 staff attorneys in completing assessments of more than two million mortgages. The company was acquired by Clifton Larson Allen LLP, a top ten US public accounting firm. Anna DeSimone provides expert services on behalf of defendant banks, mortgage companies, and loan servicers. She maintains updated rules and requisite consumer notifications mandated by state legislature, federal supervisory agencies, and government-sponsored enterprises pertaining to mortgage origination, servicing, loss mitigation, and foreclosure. Her court testimony in the 9th federal circuit resulted in a precedent win for Truth in Lending, Regulation Z, and she has provided testimony to the Department of Housing and Urban Development (HUD). Her d...