I have 20 years of experience, and specialize in the field of real estate and mortgage with specific knowledge in the areas of loan origination including sub prime and government, conforming and jumbo, title and escrow and the entire loan process from origination to the secondary market. I have published on such topics as loan fraud, controlled business agreements, and misrepresentation. I have testified on misrepresentation, loan fraud and loan origination. I have a California Brokers License.