I have 30 years of experience, and specialize in the field of residential mortgages with specific knowledge in the areas of compliance, underwriting and appraisals. I have published on such topics as predatory lending, mortgage quality control and regulatory compliance. I have testified 10 times on topics such as predatory lending, truth in lending and mortgage fraud. I have owned an audit services practice for 25 years and have handled 150,000 mortgage files representing all geographic areas and loan programs.