The Nation’s Leading Forensic Loan Auditing Company - Since 2007
ABOUT US
Executive Summary
Every day, foreclosure effects more and more Americans despite the known irregularities in loan documents, fraud, predatory lending practices, contract law violations, and many actionable torts, on behalf of major lending institutions, loan servicers, investment banks, and even government institutions. As foreclosure defense leaders, we knew there had to be an easier, more affordable way for industry professionals to obtain access to the world of "hidden trade secrets" that our team of experts has developed.
Click here to learn more.
Expert Witness Services
For expert witness and mortgage securitization services, please contact us. CFLA certified auditors are recognized and admitted as experts in almost all jurisdictions in the U.S. They have at least ten years of experience in the field, and additionally, forty hours of in-depth training in the classroom on securitization. Each is certified by the “Mortgage Securitization Auditor Training Certification Class,” which is recognized nationally in the industry.
Click here to learn more.
Mission
Our founding vision at CFLA was for Attorneys and Legal Professionals to utilize cutting edge trade secrets and industry professionals to assist them in the training, research, and work product development necessary to litigate on behalf of their homeowner clients. We brought together some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA, the leading, nationally recognized legal brand for law firms, attorneys, and small business in the United States.
Click here to learn more.
Our Business
CFLA is a network of experienced certified forensic loan auditors specializing in the research and analysis needed to provide attorneys and loan modification companies with the Forensic Loan Audits& Qualified Written Requests that they need to even the playing field with Lenders and successfully negotiate (1) Principal Reductions, (2) Interest rate Reductions and (3) Loan Modifications on behalf of their homeowner clients.
Click here to learn more.
Our Clients
Certified Forensic Loan Auditors, LLC has more than 10,000 affiliates and Law Firm clients, serving all 50 States, including Legal Aide Societies, Corporations, Non Profits, and many other organizations that assist homeowners directly.
Click here to learn more.
Certified Auditors
Certified Forensic Loan Auditors, LLC. has created a comprehensive training certification program entitled: "Mortgage Securitization Auditor "MSA"—A 24-hour in-person intensive seminar held across the country." This is a comprehensive 24-hr training course to become a CFLA accredited Mortgage Securitization Auditor "MSA".
Haven't taken the course yet? Here's your chance to learn from the Industry's Leading Experts.
Call today or register online to reserve your seat! | Toll Free: 1-888-758-CFLA (2352)
Click here to learn more.
License Opportunities
The Nation's Premier Forensic Loan Audit/ Mortgage Securitization Wholesaler and Loan Auditor Certification Training for Attorneys and Real Estate Professionals specializing in Mortgage Modification and Real Estate Law offers commercial business licenses to East & West Coast Markets.
East Coast Markets
West Coast Markets
Executive Summary
Every day, foreclosure effects more and more Americans despite the known irregularities in loan documents, fraud, predatory lending practices, contract law violations, and many actionable torts, on behalf of major lending institutions, loan servicers, investment banks, and even government institutions. As foreclosure defense leaders, we knew there had to be an easier, more affordable way for industry professionals to obtain access to the world of "hidden trade secrets" that our team of experts has developed.
Click here to learn more.
Expert Witness Services
For expert witness and mortgage securitization services, please contact us. CFLA certified auditors are recognized and admitted as experts in almost all jurisdictions in the U.S. They have at least ten years of experience in the field, and additionally, forty hours of in-depth training in the classroom on securitization. Each is certified by the “Mortgage Securitization Auditor Training Certification Class,” which is recognized nationally in the industry.
Click here to learn more.
Mission
Our founding vision at CFLA was for Attorneys and Legal Professionals to utilize cutting edge trade secrets and industry professionals to assist them in the training, research, and work product development necessary to litigate on behalf of their homeowner clients. We brought together some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA, the leading, nationally recognized legal brand for law firms, attorneys, and small business in the United States.
Click here to learn more.
Our Business
CFLA is a network of experienced certified forensic loan auditors specializing in the research and analysis needed to provide attorneys and loan modification companies with the Forensic Loan Audits& Qualified Written Requests that they need to even the playing field with Lenders and successfully negotiate (1) Principal Reductions, (2) Interest rate Reductions and (3) Loan Modifications on behalf of their homeowner clients.
Click here to learn more.
Our Clients
Certified Forensic Loan Auditors, LLC has more than 10,000 affiliates and Law Firm clients, serving all 50 States, including Legal Aide Societies, Corporations, Non Profits, and many other organizations that assist homeowners directly.
Click here to learn more.
Certified Auditors
Certified Forensic Loan Auditors, LLC. has created a comprehensive training certification program entitled: "Mortgage Securitization Auditor "MSA"—A 24-hour in-person intensive seminar held across the country." This is a comprehensive 24-hr training course to become a CFLA accredited Mortgage Securitization Auditor "MSA".
Haven't taken the course yet? Here's your chance to learn from the Industry's Leading Experts.
Call today or register online to reserve your seat! | Toll Free: 1-888-758-CFLA (2352)
Click here to learn more.
License Opportunities
The Nation's Premier Forensic Loan Audit/ Mortgage Securitization Wholesaler and Loan Auditor Certification Training for Attorneys and Real Estate Professionals specializing in Mortgage Modification and Real Estate Law offers commercial business licenses to East & West Coast Markets.
East Coast Markets
West Coast Markets
CFLA, LLC - A Network of Experienced Professionals
ANDREW P. LEHMAN, JD, CFLA, MSA
Managing Member / Chairman
Mr. Lehman is CFLA's Managing Member and he governs the quality control and implementation of policy standards for CFLA at the executive level and his background is in Corporate Governance and Entrepreneurship. Mr. Lehman also studied Chemical Engineering as an Undergraduate at Texas Tech University, in Lubbock, TX, and went on to study business Finance at the University of Houston. Mr. Lehman also obtained a Juris Doctor degree after attending Southwestern College of Law in Los Angeles, CA, and Western State College of Law in Fullerton, C. Mr. Lehman was recognized as a finalist for Entrepreneur of the year in Southern California by the Orange County Registrar, as well as being featured in other news and media outlets on subjects such as Entrepreneurship and Innovation, Corporate Start Ups, Venture Capital, and creative Marketing Platforms.
ROBERT KRINTZMAN, Esq
General Counsel
Graduate of University of California, Berkely “Bolt” College of Law in 1968 with more than thirty years experience representing public and private companies in high-technology, entertainment, real estate, venture capital, and energy sectors. Structuring and documenting complex corporate, securities, joint venture, licensing, mergers and acquisitions, and other transactional matters. Several years of concurrent general counsel and business management experience.
SCOTT YOUNGBLOOD, Esq., CPA
Chief Financial Officer
Scott Youngblood, CPA, graduated from Texas A & M University and South Texas College of Law. Scott Youngblood became the Chief Financial Officer of CFLA in 2010. Scott Youngblood is admitted to the State Bar of Texas, and he is also a Certified Public Accountant.
PATRICIA RODRIGUEZ, Esq., MSA
Litigation Support Attorney / MSA Class instructor / MCLE Provider
Graduate of Temple College of Law and admitted to the State Bar of California back in 2008. Patricia brings a wealth of knowledge and experience in Mortgage Securitization- litigation Strategies. Patricia is also actively involved with CFLA on the Seminar Circuit performing Attorney Continuing Education MCLE Classes on Mortgage Securitization in Litigation.
TIMOTHY L. O’REILLY, Esq., MSA
MSA Class instructor / MCLE Provider
Admitted to the State Bar of California in 1990; He is a trial lawyer, litigator, and a former supervising prosecutor with significant experience in both civil and criminal courtrooms. His work has included defending complex criminal matters, prosecuting substantial business and contract disputes, as well as litigating real estate, banking, and securitization cases. He is currently working with Avid Law Center, a real estate, bankruptcy, and mortgage litigation firm in Orange County. He oversees the firm’s foreclosure defense and mortgage securitization litigation practice areas working in the defense of homeowners seeking resolution and debt relief from their mortgage issues. He recently retired from service in the U.S. Army and reserve forces after 25 years with the rank of Lieutenant Colonel. He holds a California Real Estate Broker’s license, MNLS Mortgage Loan Originator endorsement, and is certified as a Mortgage Securitization Auditor by CFLA.
ERIC J. HOUGEN, Esq., CFLA
Senior Attorney / Trainer
Graduated from the University of Iowa College of Law in Iowa City, Iowa. Admitted to the State Bar of California, admitted to the State Bar of Maryland, admitted to the District of Columbia Bar (Washington, DC), admitted to the U.S. Court of Appeals for the Fourth Circuit. [DC Bar's Pro Bono Lawyer of the Year Award (2001)] CFLA- Certified Forensic Loan Auditor 2009.
CYNTHIA de PETRIS, Esq.
Corporate Counsel
Graduate of Southwestern Law School and admitted to the State Bar of California more than 20 years ago.
EDGAR PEASE, Esq.
Corporate Counsel
Graduate of Southwestern Law School and admitted to the State Bar of California since 1981.
JOHN FRETZ, Esq.
Litigation Support Associate
DAMION W. EMHOLTZ, CFLA
General Sales Manager
Mr. Emholtz was educated at the University of Hawaii at Monoa and is a Licensed Private Investigator in the State of Texas. Mr. Emholtz has been a dominant force in this industry since 2008 and has worked for CFLA in a general management capacity since that time. His strengths include business-to-business selling, account management, product development, implementation and strategy. Mr. Emholtz's research into various legal strategies have assisted thousands of CFLA law firm clients for nearly 10 years. Mr. Emholtz is also an Armed Forces Veteran having dutifullyserved in the United States Marine Core. Mr. Emholtz manages all CFLA employees and oversees all national accounts at CFLA.
JOSH WAJDA
Account Manager
Mr. Wajda attended Trinity University in San Antonio, TX. Mr. Wajda is an excellent communicator and customer service specialist. He manages CFLA wholesale clients and affiliates with great care and competency. Mr. Wajda is also often present at the CFLA Seminars and Nationally Recognized Mortgage Securitization Analyst Training Certification Classes. Mr. Wajda has been serving the CFLA clients for more than 3 years.
MELANIE PAREE
Production Manager
JIM SALVAGIO
Senior Account Manager
JUSTIN RHODES, MSA
Account Executive
CHRISTIAN GIANNOTTI, MSA
Junior Account Executive
NKOSI GREY, MSA, CFLA
Mortgage Securitization Auditor/ Bloomberg Specialist
NIKO TAIT
Administrative Assistant
EVERETT FRANKLIN
Certified Forensic Loan Auditor / Securitization Expert
JOHNNY FORMOSO
Account Manager
JASON BLAKE, CFLA
Certified Forensic Loan Auditor
ANDREW LEWIS, CFLA
Senior Forensic Loan Auditor
Manages a team of Forensic Loan Auditors
RICHARD W. GUIDOTTI, PHD
Certified Forensic Loan Auditor
CYNTHIA CONLIFFE, CFLA
Certified Forensic Loan Auditor
NICKOLAS ZADEREJ, CFLA
Certified Forensic Loan Auditor
NATALIE STENEHJEM, CFLA
Certified Forensic Loan Auditor
BARRY SPILBERG, MSA, CFLA
Certified Forensic Loan Auditor
JOE PEREZ, CFLA
Certified Forensic Loan Auditor
MARK MARTINEZ, CFLA
Certified Forensic Loan Auditor
NICK FONG, CFLA
Certified Forensic Loan Auditor
ROBIN WATKINS, CFLA
Certified Forensic Loan Auditor
BEN COTE, CFLA
Certified Forensic Loan Auditor
ALISON COKER, CFLA
Certified Forensic Loan Auditor
SHAMEER ALI, CFLA
Certified Forensic Loan Auditor
ANOUSH SINA, CFLA
Certified Forensic Loan Auditor
GRANT KEMP, CFLA
Certified Forensic Loan Auditor
CYNTHIA STEVENS, CFLA
Certified Forensic Loan Auditor
CRYSTAL TURNER, CFLA
Certified Forensic Loan Auditor
JASON BLAKE, CFLA
Certified Forensic Loan Auditor
KEVIN MAHONEY, CFLA
Certified Forensic Loan Auditor
KATHRYN JEFFREY, CFLA
Certified Forensic Loan Auditor
NANCY FENOGLIO, CFLA
Certified Forensic Loan Auditor
CYNTHIA CONLIFF, CFLA
Certified Forensic Loan Auditor
LESLIE GREEN, CFLA
Certified Forensic Loan Auditor
SHARON DUDLEY, CFLA
Certified Forensic Loan Auditor
SHELYSA POWELL
Office Manager / Administrative Assistant
SHANAI BAILEY
Administrative Assistant
JASON RIVERA
Administrative Assistant
IVA FRANK-SINGER
Paralegal/ Litigation Support Specialist
NIKKI ECKERSON
Bloomberg Specialist
JASON WILHELM
Web Reputation Management Specialist
LUKE BLACKLEDGE
Web Marketing Assistant
ANDREA FIORE
Web Administrator
ANDREW P. LEHMAN, JD, CFLA, MSA
Managing Member / Chairman
Mr. Lehman is CFLA's Managing Member and he governs the quality control and implementation of policy standards for CFLA at the executive level and his background is in Corporate Governance and Entrepreneurship. Mr. Lehman also studied Chemical Engineering as an Undergraduate at Texas Tech University, in Lubbock, TX, and went on to study business Finance at the University of Houston. Mr. Lehman also obtained a Juris Doctor degree after attending Southwestern College of Law in Los Angeles, CA, and Western State College of Law in Fullerton, C. Mr. Lehman was recognized as a finalist for Entrepreneur of the year in Southern California by the Orange County Registrar, as well as being featured in other news and media outlets on subjects such as Entrepreneurship and Innovation, Corporate Start Ups, Venture Capital, and creative Marketing Platforms.
ROBERT KRINTZMAN, Esq
General Counsel
Graduate of University of California, Berkely “Bolt” College of Law in 1968 with more than thirty years experience representing public and private companies in high-technology, entertainment, real estate, venture capital, and energy sectors. Structuring and documenting complex corporate, securities, joint venture, licensing, mergers and acquisitions, and other transactional matters. Several years of concurrent general counsel and business management experience.
SCOTT YOUNGBLOOD, Esq., CPA
Chief Financial Officer
Scott Youngblood, CPA, graduated from Texas A & M University and South Texas College of Law. Scott Youngblood became the Chief Financial Officer of CFLA in 2010. Scott Youngblood is admitted to the State Bar of Texas, and he is also a Certified Public Accountant.
PATRICIA RODRIGUEZ, Esq., MSA
Litigation Support Attorney / MSA Class instructor / MCLE Provider
Graduate of Temple College of Law and admitted to the State Bar of California back in 2008. Patricia brings a wealth of knowledge and experience in Mortgage Securitization- litigation Strategies. Patricia is also actively involved with CFLA on the Seminar Circuit performing Attorney Continuing Education MCLE Classes on Mortgage Securitization in Litigation.
TIMOTHY L. O’REILLY, Esq., MSA
MSA Class instructor / MCLE Provider
Admitted to the State Bar of California in 1990; He is a trial lawyer, litigator, and a former supervising prosecutor with significant experience in both civil and criminal courtrooms. His work has included defending complex criminal matters, prosecuting substantial business and contract disputes, as well as litigating real estate, banking, and securitization cases. He is currently working with Avid Law Center, a real estate, bankruptcy, and mortgage litigation firm in Orange County. He oversees the firm’s foreclosure defense and mortgage securitization litigation practice areas working in the defense of homeowners seeking resolution and debt relief from their mortgage issues. He recently retired from service in the U.S. Army and reserve forces after 25 years with the rank of Lieutenant Colonel. He holds a California Real Estate Broker’s license, MNLS Mortgage Loan Originator endorsement, and is certified as a Mortgage Securitization Auditor by CFLA.
ERIC J. HOUGEN, Esq., CFLA
Senior Attorney / Trainer
Graduated from the University of Iowa College of Law in Iowa City, Iowa. Admitted to the State Bar of California, admitted to the State Bar of Maryland, admitted to the District of Columbia Bar (Washington, DC), admitted to the U.S. Court of Appeals for the Fourth Circuit. [DC Bar's Pro Bono Lawyer of the Year Award (2001)] CFLA- Certified Forensic Loan Auditor 2009.
CYNTHIA de PETRIS, Esq.
Corporate Counsel
Graduate of Southwestern Law School and admitted to the State Bar of California more than 20 years ago.
EDGAR PEASE, Esq.
Corporate Counsel
Graduate of Southwestern Law School and admitted to the State Bar of California since 1981.
JOHN FRETZ, Esq.
Litigation Support Associate
DAMION W. EMHOLTZ, CFLA
General Sales Manager
Mr. Emholtz was educated at the University of Hawaii at Monoa and is a Licensed Private Investigator in the State of Texas. Mr. Emholtz has been a dominant force in this industry since 2008 and has worked for CFLA in a general management capacity since that time. His strengths include business-to-business selling, account management, product development, implementation and strategy. Mr. Emholtz's research into various legal strategies have assisted thousands of CFLA law firm clients for nearly 10 years. Mr. Emholtz is also an Armed Forces Veteran having dutifullyserved in the United States Marine Core. Mr. Emholtz manages all CFLA employees and oversees all national accounts at CFLA.
JOSH WAJDA
Account Manager
Mr. Wajda attended Trinity University in San Antonio, TX. Mr. Wajda is an excellent communicator and customer service specialist. He manages CFLA wholesale clients and affiliates with great care and competency. Mr. Wajda is also often present at the CFLA Seminars and Nationally Recognized Mortgage Securitization Analyst Training Certification Classes. Mr. Wajda has been serving the CFLA clients for more than 3 years.
MELANIE PAREE
Production Manager
JIM SALVAGIO
Senior Account Manager
JUSTIN RHODES, MSA
Account Executive
CHRISTIAN GIANNOTTI, MSA
Junior Account Executive
NKOSI GREY, MSA, CFLA
Mortgage Securitization Auditor/ Bloomberg Specialist
NIKO TAIT
Administrative Assistant
EVERETT FRANKLIN
Certified Forensic Loan Auditor / Securitization Expert
JOHNNY FORMOSO
Account Manager
JASON BLAKE, CFLA
Certified Forensic Loan Auditor
ANDREW LEWIS, CFLA
Senior Forensic Loan Auditor
Manages a team of Forensic Loan Auditors
RICHARD W. GUIDOTTI, PHD
Certified Forensic Loan Auditor
CYNTHIA CONLIFFE, CFLA
Certified Forensic Loan Auditor
NICKOLAS ZADEREJ, CFLA
Certified Forensic Loan Auditor
NATALIE STENEHJEM, CFLA
Certified Forensic Loan Auditor
BARRY SPILBERG, MSA, CFLA
Certified Forensic Loan Auditor
JOE PEREZ, CFLA
Certified Forensic Loan Auditor
MARK MARTINEZ, CFLA
Certified Forensic Loan Auditor
NICK FONG, CFLA
Certified Forensic Loan Auditor
ROBIN WATKINS, CFLA
Certified Forensic Loan Auditor
BEN COTE, CFLA
Certified Forensic Loan Auditor
ALISON COKER, CFLA
Certified Forensic Loan Auditor
SHAMEER ALI, CFLA
Certified Forensic Loan Auditor
ANOUSH SINA, CFLA
Certified Forensic Loan Auditor
GRANT KEMP, CFLA
Certified Forensic Loan Auditor
CYNTHIA STEVENS, CFLA
Certified Forensic Loan Auditor
CRYSTAL TURNER, CFLA
Certified Forensic Loan Auditor
JASON BLAKE, CFLA
Certified Forensic Loan Auditor
KEVIN MAHONEY, CFLA
Certified Forensic Loan Auditor
KATHRYN JEFFREY, CFLA
Certified Forensic Loan Auditor
NANCY FENOGLIO, CFLA
Certified Forensic Loan Auditor
CYNTHIA CONLIFF, CFLA
Certified Forensic Loan Auditor
LESLIE GREEN, CFLA
Certified Forensic Loan Auditor
SHARON DUDLEY, CFLA
Certified Forensic Loan Auditor
SHELYSA POWELL
Office Manager / Administrative Assistant
SHANAI BAILEY
Administrative Assistant
JASON RIVERA
Administrative Assistant
IVA FRANK-SINGER
Paralegal/ Litigation Support Specialist
NIKKI ECKERSON
Bloomberg Specialist
JASON WILHELM
Web Reputation Management Specialist
LUKE BLACKLEDGE
Web Marketing Assistant
ANDREA FIORE
Web Administrator
Sponsored Advertising
Videos
IMPORTANT! These Videos are No Longer Available Via Hard Copy Video and are Now Available Via Online Download Only
All videos only $99 each.
- Wrongful Foreclosure Lawsuits Post Yvanova in California and Cutting Edge Foreclosure Defense
(CALIFORNIA BAR) -
6 hr Video
Taught by Patricia Rodriguez, Esq. and George M. Hill, Esq.
- Principal Reductions Through Strategic Litigation- Under Homeowner Bill of Rights (CA) III
(CALIFORNIA BAR) -
6 hr Video
Taught by Patricia Rodriguez, Esq.
- How to Cancel Secured and Unsecured Debt Obligations Through Strategic Litigation
( NEW YORK BAR) -
6 hr Video
Taught by Jeffrey C Jackson, Esq.
- Foreclosure Defense Post GLASKI & SB900
(CALIFORNIA BAR) -
6 hr Video
Taught by Patricia Rodriguez, Esq
- Foreclosure Defense Seminar
(FLORIDA BAR) -
6 hr Video
Taught by Chad Elrod, Esq. and Jeff Jackson, Esq.
- Quiet Title Kings Tour
(NEW YORK BAR) -
6 hr Video
with Chad Elrod, Esq., John P. Fretz, Esq. and Andrew Lehman, J.D.
- Contract Litigation and UCC
(TEXAS BAR) -
6 hr Video
Taught by Chad Elrod, Esq and Jeffery Jackson, Esq
- Achieving Principal Reductions While Creating Leverage With Banks
(NEW YORK BAR) -
7 hr Video
Taught by Divina Westerfield, Esq
- Mortgage Securitization Auditor Training Class
(NEVADA BAR) -
7 hr Video
Taught by Timothy L. O'Reilly, Esq.
- Foreclosure Defense Using Bankruptcy
(NEVADA BAR) -
7 hr Video
Taught by Charles Christmas, Esq.
- Quiet Title Workshop
(GEORGIA BAR) - 7 hr Video
Taught by Regis Sauger
- Mortgage Securitization and Quiet Title II
(NEVADA BAR) - 6 hr Video
Taught by Patricia Rodriguez, Esq
- Securitization in Litigation And Quiet Title I
(CALIFORNIA BAR) - 6 hr Video
Taught by Timothy O’Reilly, Esq. and Patricia Rodriguez, Esq.
- Bloomberg Terminal Training
Presenter: Billy F. Bowles
CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA DOES NOT CHARGE OR OBTAIN REFERRALS FEES FOR THESE SERVICES. SERVICES NOT OFFERED TO RESIDENTS OF THE STATE OF NEVADA.