Curtis L. Novy

Curtis L. Novy

MORTGAGE EXPERT WITNESS | REAL ESTATE EXPERT | FRAUD INVESTIGATOR

San Diego , CA 92011
Mobile: 858-336-0520
Introduction

MORTGAGE EXPERT WITNESS | REAL ESTATE FRAUD EXPERT | LICENSED FRAUD INVESTIGATOR
Expert Witness Leveraging 25 Years of Mortgage, Real Estate, Title/Escrow, and Financial Investigation Experience

Curtis L. Novy is a seasoned professional who is uniquely qualified based on his experience as a bank fraud examiner, mortgage underwriter, mortgage fraud investigator, mortgage originator, licensed private investigator, and real estate broker. Mr. Novy has been retained on over 200 civil and criminal fraud cases and has analyzed thousands of transactions. Representative cases include: bank fraud, commercial & construction loans, elder financial abuse, fraudulent Grant Deed transfers, identity theft, mortgage or real estate fraud, private mortgage loans, SEC $100 million dollar real estate fraud, 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 a bank fraud examiner, credit administrator, fair lending manager, mortgage fraud investigator, QC manager, and real estate broker. As a senior underwriter, Mr. Novy held a $1 million lending authority with Wells Fargo Bank and earned a risk management certificate. Government lending experience includes HUD FHA Direct Endorsement Underwriter and VA underwriter credentials. Mr. Novy’s most recent 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 fraud investigation training and conducts mortgage fraud seminars for state & federal agencies. Overall, Mr. Novy’s well rounded experience, 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 PI, Mr. is authorized to conduct background investigations, civil & criminal records searches, and utilize law enforcement databases, such as FIN Cen & INTERPOL. Mr. Novy is available for projects as a financial investigator, expert witness, or both 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
• Lender Loss Analysis & Foreclosures
• Loan Application Fraud, Misstatement of Material Facts
• Mortgage Underwriting Standards & Practices
• Private Mortgage Insurance, Private Investor Loans, Promissory Notes
• Real Estate Regulations, Standards of Care, Disclosure Documents
• Title & Escrow Standards & Practices, Title Fraud,

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
#MortgageExpertWitness


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

Expert Background
Q: Please list your professional accreditations, degrees, licenses, and certificates granted:
A: Active CA Real Estate Broker's License
Bureau of Security & Investigations- CA Licensed Private Investigator/Qualified Manager
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
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)
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
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
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: 3
Q: For how many years have you worked with the legal industry as an expert?
A: 12 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 for state & federal agency clients.
Forensic Document Examination, Lab Analysis billed at $200 to $300 per hour.
CA Financial Investigator (Licensed PI): Fees generally range from $100-$200 per hour.
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