Mortgages Expert Witnesses
Mortgage finance links originators, aggregators, servicers, investors, warehouse lenders, and government-sponsored enterprises through a dense chain of contractual representations, and disputes arise wherever that chain breaks. Aggregators and investors pursue repurchase demands for alleged underwriting defects, servicers contest the transfer and valuation of servicing rights, warehouse lenders trace fraudulently pledged collateral, trustees challenge special servicer conduct in commercial mortgage securitizations, and lenders dispute GSE quality determinations and appraisal management practices. These disputes become contested because mortgage performance is shaped by both loan-level decisions and market forces, and the parties often disagree about whether losses reflect breached obligations or simply the economic cycle.
A mortgage expert evaluates the challenged loans, portfolios, or servicing conduct against the guidelines and agreements that governed them. In repurchase disputes, that typically involves loan-file reviews against underwriting guidelines and representations and warranties, combined with sampling methods that support or limit extrapolation across a pool. In servicing matters, experts examine escrow, default management, and transfer procedures against servicing standards and pooling and servicing agreements. Valuation specialists model mortgage servicing rights, prepayment and default behavior, and collateral values, while compliance experts assess adherence to FHA, VA, and GSE requirements. That analysis separates actionable breaches from market-driven losses, which bears directly on liability, causation, and the measure of recovery.
Mortgage litigation requires an expert whose experience matches the segment of the market in dispute, whether origination, servicing, secondary markets, or commercial mortgage finance. Round Table Group's network includes an economist who has worked at the Council of Economic Advisers and written extensively on mortgage underwriting, banking, and the housing market, real estate finance scholars who have testified on mortgage markets and REITs, and capital markets specialists who have published on RMBS structuring and loss allocation. It also includes mortgage banking executives who have published on FHA and VA underwriting and lender approval requirements, banking professionals who have testified on construction lending and workouts, and financial economists who have testified some fifty times on economic damages. Backed by more than 75,000 expert searches, we can help you identify the mortgage expertise your matter requires, and we invite you to discuss your case by calling us at (202) 908-4500.