I have 27 years of experience, and specialize in the field of mortgages with specific knowledge in the areas of mortgage regulations, and Federal Housing Administration and Veterans Affairs loans. I have published on such topics as mortgage origination, truth-in-lending and mortgage brokerage. I have testified 8 times on topics such as truth-in-lending, the Real Estate Settlement Procedures Act (RESPA), and table funding. I am a leading authority on mortgage brokerage in the United States.