Learning Objective:

• To increase knowledge with respect to mortgage-related transactions
• To increase the ability in the practical application of this knowledge in rendering information and advice with respect to mortgage transactions
• To increase your knowledge with respect to the laws and regulations that govern these transactions
• To increase your knowledge with respect to the varied roles of parties in connection to mortgage transactions
• To increase your knowledge about various models of consumer service delivery
• To increase knowledge about the roles of housing-related service providers to their consumers

Learning Sections

• Part One: What is Predatory Lending?
• Part Two: What Intervention Methods Are Currently Being Used?
• Part Three: The Documents And The Laws Which Regulate Them
• Part Four: The Impact of Relationships
• Part Five: Designing and Providing Consumer Education
• Part Six: Providing Advice and Referral

Date: TBD
Cost: Requires a code
CE: 30.0 hours (NIS national)
CLE: 28.0 substantive hours PA (CLE credits); 2 ethics hours

Course Requirements:

For Attorneys:
While a prerequisite course is not required, this course presumes the participant has a basic level of understanding of mortgages, and mortgage relief options.

For Housing Counselors:
Housing Counselors participating in this course are required to be employed at an agency that is a part of the PHFA Network and possess a nationally-recognized certification in Mortgage Delinquency or Foreclosure Intervention; or have taken NREI 107 Mortgage Diversion Practices and Procedures Course.

Instructor: Michelle W. Lewis

A forensic real estate expert, fraud examiner, Michelle has been qualified as an expert in federal court. She is and practicing real estate broker/appraiser with over 42 years in the field. She currently serves as President and Chief Executive Officer of Northwest Counseling Service. Michelle has served as a technical advisor on real estate, compliance, and fraud matters to the Office of Housing and Community Development, city of Philadelphia. Michelle is also a principal in a private real estate firm specializing in commercial and investor markets; and that delivers services to governments, attorneys, and other firms by providing expert opinions and testimony, fraud examination, and investigation of questionable practices. She served for 7 years as a technical advisor on real estate matters to the Philadelphia Office of Housing & Community Development, city of Philadelphia. Qualified as an expert in federal court, Michelle brings a wide breadth of experience and knowledge to the profession and has been a provider of expert advice and testimony to some of the largest organizations in the country, including the office of the US Attorney, the US Department of Housing and Urban Development and many private firms. Appointed by the Pennsylvania Governor, Michelle serves on the Pennsylvania Housing Advisory Committee. In 2000, she founded and served as chair of the Philadelphia Predatory Lending Task Force under which she authored a journal article, “Perspectives on Predatory Lending: The Philadelphia Experience”, in the Journal of Affordable Housing & Community Development Law, Summer 2003, Volume 12, Number 4, for the American Bar Association. Michelle serves as School Director of the National Real Estate Institute (NREI), and currently teaches HUD required courses nationally as faculty of the National Community Reinvestment Coalition (NCRC); has taught attorneys, officials of the PA Department of Banking, the PA Human Relations Commission, and housing counselors nationwide.

Instructor: John Goryl

John is a 1973 graduate of the Pennsylvania State University majored in Law Enforcement and Corrections. In 1978, he graduated from the Dickinson School of Law Counsel to the Pa. Senate Urban Affairs & Housing Committee, later the Senate Business & Commerce Committee. In 1988 John served as Assistant Counsel at the Pennsylvania Housing Finance Agency (PHFA) where he provided legal advice and expertise on matters involving PHFA’s Single Family Mortgage Program; the Homeowner’s Emergency Mortgage Assistance Program, and represented the Agency in matters before the Commonwealth Court, local courts of Common Pleas, and Bankruptcy Courts. John retired from PHFA after 26 years and returned for a brief time to private practice when he joined the KML Law Group as Senior Counsel.