Curtis L. Novy

Curtis L. Novy

FINANCIAL INVESTIGATIVE SVCS | MORTGAGE & REAL ESTATE EXPERT WITNESS | LICENSED INVESTIGATOR
CA & CO Mortgage Expert Witness | Real Estate Fraud Investigations | MortgageExpertWitnesses.com | Real Estate Standards & Practices
Indian Wells, CA 92210
Mobile: 858-336-0520
Office: 858-336-0520
Introduction

California & Colorado Mortgage & Real Estate Expert Witness | MortgageExpertWitnesses.com | Certified Fraud Investigator. Leveraging 25 years of mortgage, real estate, and fraud Investigation experience. Immediate consultation: (858) 336-0520 | curtnovy@gmail.com

Curtis L. Novy is a seasoned professional who is uniquely qualified based on his experience and training as a bank fraud examiner, licensed private investigator, mortgage underwriter, mortgage fraud investigator, mortgage originator, and real estate broker. Mr. Novy has been retained on over 200 civil and criminal fraud cases and has analyzed thousands of transactions. Credentialed Certified Fraud Investigator (CFI).

Representative cases include: bank fraud, commercial & construction loans, elder financial abuse, fraudulent Grant Deed transfers, foreclosures, identity theft, mortgage fraud, private lender loans, real estate standards & practices, SEC real estate fraud indictments, and title/escrow underwriting standards & practices. Core clients include: Banks, credit reporting agencies, financial institutions, law firms, and state/federal agencies.

Mr. Novy’s depth of experience includes 15 years of mortgage underwriting as well as employment as an audit manager, bank fraud examiner, credit administrator, fair lending manager, mortgage fraud investigator, senior mortgage underwriter, quality control manager, and real estate broker (licensed 30 years). As a senior Wells Fargo Bank underwriter, Mr. Novy held a $1 million lending authority and earned a risk management certificate.

Government lending experience includes HUD FHA Direct Endorsement Underwriter and VA underwriter credentials. Mr. Novy’s core credentials include certified fraud investigator (CFI), CA licensed PI, and real estate brokers’ license. Continuing education courses, conferences, and training certificates are earned annually through ACAMS, ACFE, CALI, CFCIA, and CA Dept. of Real Estate.

As a licensed fraud investigator, Mr. Novy earned 6,000 hours of specialized financial fraud investigation training and conducts mortgage fraud seminars for state & federal agencies. Overall, Mr. Novy’s well rounded experience, verified industry credentials, licensing, and years of formal bank examination training are beneficial to clients seeking a highly qualified expert witness with vetted credentials.

As a private investigator, Mr. Novy is authorized to conduct extensive background investigations, civil & criminal records searches, legal records, utilize governmental/law enforcement databases, and conduct witness interviews & surveillance. Mr. Novy is available for projects as both a financial investigator or expert witness, depending on client needs and budget.

Primary Areas of Expert Witness Testimony:

• Agency Buybacks & Insurance Claims
• Bank Audits & Fair Lending Examinations
• Civil & Criminal Mortgage & Real Estate Fraud
• Elder Financial Abuse & Identity Theft
• Falsified Documents & Forged Deeds
• HUD-OIG, IRS, or FBI Criminal Investigations
• Identity Theft & Forged Loan Documents
• Loan Application Fraud, Misstatement of Material Facts
• Mortgage Underwriting Standards & Practices
• Private Mortgage Insurance, Private Investor Loans, Promissory Notes
• Real Estate Regulations and Standards of Care for Mortgage & Real Estate Brokers
• Title & Escrow Standards & Practices, Title Fraud, and Forged Grant Deeds

CA Dept. of Real Estate Broker's License # 01108665.
CA Bureau of Security & Investigative Services, Qualified Manager License # PI188926
Financial Investigative Services (FISIntel.com) or (WhiteCollarPI.com)
https://www.linkedin.com/in/curtisnovy/
#RealEstateExpertWitness
#MortgageExpertWitnesses


Areas of Expertise
  • Commercial Real Estate
  • Escrow/Title Insurance
  • Financial Planning
  • Fraud Investigation
  • Insurance Fraud
  • Mortgages
  • Real Estate Broker
  • Real Estate Damages
  • Real Estate Finance
  • Residential Real Estate
  • White Collar Crime

Expert Background
Q: Please list your professional accreditations, degrees, licenses, and certificates granted:
A: Active CA Real Estate Broker's License
CA Bureau of Security & Investigations- Licensed Private Investigator/Qualified Manager
CO Private Investigator
Certified Fraud Investigator (Registered with California Financial Crimes Investigators Association)
Bank certified mortgage underwriter & credit risk management (Wells Fargo Bank)
Bachelor's of Arts, CA State University Long Beach
Colorado Real Estate Brokers License (inactive)

Q: Please list your affiliations or memberships in any professional and/or industry organizations:
A: Active Memberships:
Anti-Money Laundering Specialists (Membership & Pending ACAM's money laundering credential)
Association of Certified Fraud Investigators- Member
CA Association of Certified Fraud Investigators- Certified Fraud Investigator credential
California Association of Licensed Private Investigators (CALI)
Professional Investigators Association (PIA)
Q: Please list any teaching or speaking experience you have had, including subject matter:
A: -Mortgage & Real Estate Fraud Training- San Diego Public Defender's Office, continuing education
-AARP Training for seniors in the areas of avoiding real estate investment scams
-Interviewed and quoted by CNN, CNBC, NY Times, Wall Street Journal
-Mortgage/Real Estate Training for Attorneys
Q: Have any of your accreditations ever been investigated, suspended or removed? (if yes, explain)
A: No.
Q: On how many occasions have you been retained as an expert?
A: 200+ civil and criminal fraud cases. Primary expert testimony in areas of financial institution fraud including mortgage and real estate, bank fraud, escrow/title insurance fraud, private lender fraud and misconduct.
Q: For what area(s) of expertise have you been retained as an expert?
A: Bank Fraud
BSA-AML Compliance
Commercial Lending & Lender Loss Analysis
Escrow & Title Fraud
Employee Misconduct & Executive Investigations
Human Resources/Internal Investigations
Identity Theft of real estate
Mortgage Origination Practices
Mortgage Standards & Practices
Fraud Investigations
Real Estate Fraud
Fraudulent Deeds, Title Theft
Q: In what percentage of your cases were you retained by the plaintiff?
A: Approximately 50%
Q: In what percentage of your cases were you retained by the defendant?
A: Approximately 50%
Q: On how many occasions have you had your deposition taken?
A: 25+
Q: When was the last time you had your deposition taken?
A: 2020
Q: On how many occasions have you been qualified by a court to give expert testimony?
A: 50+
Q: On how many occasions have you testified as an expert in court or before an arbitrator?
A: 5
Q: For how many years have you worked with the legal industry as an expert?
A: 15 years
Q: What services do you offer? (E.g.: consulting, testing, reports, site inspections etc.)
A: Real Estate Expert Witness
Mortgage Expert Witness
Mortgage Fraud Investigations
Escrow/Title Expert Witness
Civil & Criminal Fraud Investigations
Mortgage Identity Theft
Mortgage Underwriting- Fannie Mae, HUD, and VA
Mortgage Risk Management
Q: What is your hourly rate to consult with an attorney?
A: Fee schedule is stipulated in Retainer Agreement
Q: What is your hourly rate to review documents?
A: Mortgage/Real Estate Expert- Per fee schedule based on project complexity. Reduced rates apply to state & federal agency contracts.
Mortgage or real estate document review: Initial review typically billed at $150 per hour.
CA Financial Investigator (Licensed PI): Licensed work including surveillance, witness interviews, database searches, civil and criminal background investigations, internal fraud investigations, etc. billed at $150 per hour.

Note: All rates and fees subject to change without notice.
Q: What is your hourly rate to provide deposition testimony?
A: See Retainer Agreement
Q: What is your hourly rate to provide testimony at trial?
A: See Retainer Agreement
Q: Please list any fees other than those stated above (E.g.: travel expenses, copy fees, etc.)
A: See Retainer Agreement


References

Available Upon Request