Resume of Richard Kahn
our Qualifying Expert

PROFILE

Richard Kahn has a professional career in mortgage analysis, residential and commercial real estate, mortgage backed securities and lender financing that has spanned more than thirty years and billions of dollars in equity and mortgages. He has extensive experience in courts including County, State from Circuit to Supreme, and Federal from District to Appeals including Federal Bankruptcy and Appeals. He is FPG-USA's qualifying expert witness on all FPG-USA issuances. Mr. Kahn is also author of Winning Against Foreclosure. Mr. Kahn has held licenses in securities, real estate and mortgage finance.

EXPERIENCE

1973 through 1977
Richard Kahn began his professional career on Wall Street for Merrill Lynch. There he was involved with one of C.E.O. Donald Regan’s projects, appointed in the capacity of National Real Estate Tax Shelter Product Manager of Merrill Lynch. (This is the same Mr. Regan who went on in 1981 to become the 66th United States Treasury Secretary in President Ronald Reagan’s Administration.) While at Merrill Lynch, Mr. Kahn analyzed, structured and handled billions of dollars in mortgage backed securities and syndicated real estate investments across Merrill’s base of six thousand account executives.

1978 through 1994
Mr. Kahn was C.E.O. and a founding partner of Affiliated Real Estate Analysts (AREA). At AREA, Mr. Kahn personally analyzed over one billion dollars of securitized mortgage backed securities, real estate transactions, mortgage financing, lender compliance analysis and forensic discovery.

1995 through 2005
Mr. Kahn was C.E.O. and a founding partner of Mallpark, Inc. Mallpark employed cutting edge internet and online presence provider specializing in analysis and solutions for businesses relying internet presence technology, secure protocols and merchant processing. At it's peak, Mallpark provided services over 500,000 individual online merchants.

1995 through 2008
Mr. Kahn was principal broker and partner of various real estate, mortgage brokerage and lending institutions. His skills in real estate and mortgage analysis established a track record of hundreds of millions of dollars in business without one compliance violation, complaint or bad loan buy back.

2008 through Present
Mr. Kahn is a Director and Senior Qualifying Mortgage Analyst of Forensic Professionals Group USA, Inc. (FPG-USA). He is FPG-USA's qualifying witness on issuances in the process of submission into evidence in all Courts, in all States. FPG-USA provides securitization and forensic loan audit services to attorneys nationwide. Attorneys use FPG-USA investigative services to research and report genuine issues of material facts that exist for pleadings and trial and to direct Judicial notice to facts and documents in the evidentiary process.

Court Experience
Over the decades, Mr. Kahn has personally been involved in over one billion dollars of securitized mortgage backed securities, real estate, mortgage finance and taxation; analysis, reporting, litigation, negotiation and settlement.

Mid 1980's Through Mid 1990's
Mr. Kahn has appeared in State and Federal courts including both Civil process and Bankruptcy process. He has been deposed, interviewed and questioned innumerable times. He has facilitated hundreds of millions of dollars in workouts with real estate syndicated partnerships, lenders, property owners, mortgage holders, borrowers and government agencies including the Internal Revenue Service and the Justice Department.

2008 to Present
Mr. Kahn has performed forensic mortgage analysis for attorneys on dozens of civil or bankruptcy foreclosure cases in various state and federal courts in locations such as California, Arizona, Florida, North Carolina, Maryland, Virginia, New Jersey, Illinois, Georgia, Pennsylvania, Minnesota, and New York. In foreclosure cases, the Judge is traditionally the sole Trier of facts and the reports speak for themselves as written testimony. It is the exception and not the rule, to be called upon for additional in-person oral testimony.

Author
Mr. Kahn is author of Winning Against Foreclosure, a Strategy Guide available on Amazon.com and as a Free Kindle Book. This book details the non regulated predatory mortgage lending that precipitated the mortgage crisis of 2008 and financial collapse, empowering borrowers and their attorneys to fight predatory foreclosure. This book teaches you what the professionals know, the banks and lobbied politicians don't want you to know and media is not telling you. Changes in mortgage practices since 2000 have created a number of new issues that need to be examined on loans facing foreclosure.

This book presents in layman's terms the problem securitization presents as exceptions to traditional portfolio lending. The book presents information necessary for those that require understanding the complex financial structures of residential mortgage backed securities ("RMBS"). In the RMBS process mortgages are financially transformed into products and sold multiple times for profit before being sliced up and credit enhanced, then finally sold to investor trusts. Originating lenders often retain the lucrative servicing rights after being paid in full on the original-original mortgage loans at or around the time of loan origination. All too often the party seeking to foreclose is merely a third party Servicer and not the creditor and does not have the holder in due course rights to enforce the note or file foreclosure.

Mr. Kahn is currently working on book two of the Winning Against Foreclosure series, entitled "Fundamentals of the Securitization Audit" scheduled for release by Amazon.com late 2010, early 2011.

Teaching
2006 through 2007: Two years teaching one three day Florida Mortgage Broker Licensing Course per month for the locally prestigious Gold Cost Professional Schools, in their Miami, Florida campus.
1994 thorough 1997: Mr. Kahn was a regular speaker at the prestigious Merrill Lynch University located in One Liberty Plaza, Wall Street, Manhattan, New York.

PROFESSIONAL LICENSES HELD

FL Correspondent Mortgage Lender Licensing
2005	Florida CL Lic.
2/2004	Initial Florida CL Lic.
Mortgage Broker Licensing
Currently Active	Florida Licensed MB
5/1995	Initial Florida MB Lic.
Mortgage Brokerage Business Licensing
Inactive in 2005	Florida Lic MBB
5/1995	Initial Florida MBB Lic.
Real Estate Broker Licensing
Currently Active	Florida Broker Lic.
3/1995	Initial Florida Broker Lic.
10/1986 - Currently Inactive	Initial New York Broker Lic.
Series 7 SEC NYSE NASD Securities Licensing
1993 to 1995	Multi-States licensing
1974 to 1978	Multi-States licensing