Rachel Dollar is a California attorney and recognized expert in the mortgage lending industry.  She is the editor of the acclaimed public service industry website Mortgage Fraud Blog (www.mortgagefraudblog.com) which is committed to raising awareness of the growing problems associated with Mortgage Fraud.

Ms. Dollar represents lenders and secondary market investors nationwide in mortgage fraud litigation and consults with mortgage lenders on policy and procedure, lending documentation and direction of quality control practices.  She is a partner in the law firm of Smith Dollar PC where she chairs the firm's Mortgage Banking Group.

Ms. Dollar has developed a reputation as one of the foremost innovators and thought leaders in the real estate finance industry and has been widely quoted in the Wall Street Journal, USA Today, the Los Angeles Times and other publications. She was recognized in 2005, 2006 and 2007 by Inman News as one of the 100 Most Influential Real Estate Leaders.  She is a nationally recognized speaker on the topics of mortgage banking and mortgage fraud and has appeared on CNN, CBS News and other radio and television programs. She is the editor of the acclaimed public industry website, Mortgage Fraud Blog, recognized in 2007 as Most Innovative Real Estate Blog.

Ms. Dollar is an author of Protect Yourself from Real Estate and Mortgage Fraud  the first full scope mortgage fraud book released by a major publisher (Kaplan Publishing, August 2007.)

Prior to being hired as the Executive Director of the Kentucky Real Estate Appraisers Board on September 1, 2003, Larry was employed by the Board as Chief Investigator of real estate appraiser complaints from July 1, 1999 through August 30, 2003. He has been a practicing real property appraiser since 1977, and since 1982 he has taught qualifying education and continuing education courses for real estate licensees and real property appraisers in Kentucky and throughout the United States.

Larry developed, and regularly instructs, a continuing education seminar titled “Real Estate Fraud and Flipping” that has proven very popular with appraiser regulatory agencies, real estate brokers, sales agents, and lenders. The seminar focus keys on the current problems of fraud proliferation and gross negligence allegations lodged against real property appraisers and real estate agents throughout the United States.

CEO of NASOFT USA,Inc a Leading IT provider on Real Estate and Mortgage applications. Former Chief Operating Officer of PortalBlocks, Inc. and Former Chief Technology Officer of INFOSEL a financial information provider (later Terra Networks Mexico).
 
Mr. Gower is currently involved in the development of new technology aimed to improve the desktop productivity for the Real Estate and Mortgage Information workers with improved access to business data and business tools
 
Mr. Gower holds more than 15 years of IT and business experience leading several  e-business, e-government and e-commerce projects in USA, Latin America, and Europe working in conjunction with companies like EBS , Sterling Commerce, Wall Street Journal, Dow Jones and many others. Mr. Gower is member of the PETISCO Research Group (Performing Technological Innovation Systems for Sustainable Competitiveness), University of Texas & ITESM-Monterrey Tech.  Member of the EDU.NET project, sponsored by Microsoft Corp to support Latin America academic and community collaboration. Senior Consultant for AED-USAID (Academy for Educational Development) for E-Commerce, Education and SMEs development in Latin America.
 
Prior to his tenure in Terra, Mr. Gower participated in investigation for the ITESM-Monterrey Tech’s Artificial Intelligence center. Mr. Gower has also a professor of Mathematics and of Ethics at Universidad de Monterrey.

Mr. Gower is an Accredited Mortgage Professional by the Mortgage and Banking Association, holds a Bachelor of Science degree in Electronic Engineering and has studied graduate courses in Artificial Intelligence and in Technology Management at ITESM-Monterrey Tech. He holds a MBA at the Paul Merage School of Business, UCI and a Masters in Technology Commercialization in a bicultural program between the ITESM-Monterrey Tech and the University of Texas in Austin.

Don Kelly has 28 years of experience in the Washington, DC area encompassing communications, government, finance, and real estate. For 22 years, he served the real estate appraisal and home finance com­munities initially as Legislative Counsel for the Society of Real Estate Appraisers. He served as Chief External Relations Officer for the Appraisal Institute, the world’s largest appraisal organization, and served as Chief Communications Officer for Zaio Inc., a technology and national appraisal services company.

In addition to his Capitol Hill service as Staff Counsel for the U.S. House of Representatives Ethics Committee and Counsel for the House Banking and Urban Affairs Oversight Subcommittee, Don has extensive experience with national media and news organizations. He has an in-depth knowledge of the workings of Con­gress as well as federal regulatory and banking related agencies.

Don is a frequent author, panelist and contributor on industry panels and a member of the Board of the Bollinger Foundation, a non-profit foundation dedicated to helping families in need with educational grants and housing related assistance. Don has a Bachelor of Arts and a Law Degree from the University of Florida. Don is a member of the Florida Bar and the District of Columbia Bar Association.

Contact Don Kelly at: kellygroup@gmail.com

In 1984 Mr. Kifer joined the (then) Veterans Administration as a Staff Appraiser with duties throughout the State of Ohio. He ultimately became the Assistant Chief of Construction and Valuation, for the VA Regional Office, Cleveland, Ohio. In 1990 he became a member of the VA Central Office Staff in Washington, DC performing duties in program oversight and automated systems development related to construction and valuation activities. In August 2002 he was appointed Supervisory Appraiser for The Department of Veterans Affairs Central Office, Washington, DC In this capacity he is responsible for a range of duties including: national policy development for construction and valuation issues; training development for nationwide program staff and program participants; and quality oversight of a current roster of approximately 5,600 fee appraisers on VA local panels. He is also responsible to interact with members of the appraisal and lending industries to ensure the Department remains in compliance with industry standards while assisting business in meeting veterans’ needs. He serves as the Department’s representative to the Appraisal Foundation Advisory Council (TAFAC).

Under Rick’s guidance, Wachovia currently provides licensing and continuing education training for appraisers in 30 states throughout the country.  He has trained thousands of appraisers nationwide when he was the World Savings National Appraisal Training Manager and has been instrumental in the development of many innovative educational courses.

Calvin W. Moye, president of CALMO Realty Services, Inc. is a real estate program developer, consultant, instructor, real estate appraiser and real estate broker.  As a contractor, Mr. Moye has provided consulting, appraisal services and educational programs to banking regulators, public, associations, institutions and corporations beginning in 1969.

CALMO Realty Services, Inc. provides appraisals for complex properties, often involved with the potential of litigation.  The firm has associate certified general appraisers who perform assignments in the region.  Property types appraised are varied, from car washes to institutional properties.  Estates and partial interests are frequent assignments.

For 21 years, Mr. Moye was employed by commercial banks in Arkansas and Missouri.  In addition to managing secondary market mortgage operations, he served on commercial loan, asset-liability and fixed asset committees in federally insured lending institutions.  He was an approved DE underwriter in Arkansas and Oklahoma during the tenure of his institutional employment.

Mr. Moye holds an SRA designation from the Appraisal Institute.  He is a USPAP certified instructor as well as a certified general appraiser and a licensed real estate broker in Arkansas and Oklahoma.  He has developed and conducted more than 350 educational programs in more than 30 states.

In 2001, Mr. Moye’s firm was awarded a contract by the Federal Reserve for developing and conducting an appraisal review school for federal bank examiners.  Mr. Moye has conducted more than 50 of the classes at the FDIC center in Arlington, VA.  There are additional courses scheduled for the next 3 years.

Mr. Moye also developed and is the subject matter expert for an on-line appraisal school for bankers and examiners. The online class is co-sponsored by the Conference of State Bank Supervisors (CSBS), FFIEC and the Colorado Graduate School of Banking. 

In addition to the programs developed for FFIEC and CSBS, CALMO Realty Services has developed and/or facilitated educational programs for regulatory agencies and associations, including the National Credit Union Administration (NCUA), Illinois Office of Banks and Real Estate, North Carolina Commissioner of Banks, Kentucky Office of Financial Institutions, California Department of Financial Institutions, Alabama State Banking Department, Texas Department of Savings & Mortgage Lending, Office of Thrift Supervision (OTS), Arkansas State Bank Department, Arkansas Appraiser’s Licensing & Certification Board, the West Virginia Real Estate Appraiser's Commission, the American Council of State Savings Supervisors (ACSSS), the American Banker’s Association of Montana, the Maryland Banker’s Institute and the Center for Financial Training (CFT).

Mr. Moye is the author of several publications, including “Federal Regulation of Real Estate Appraisal”, “Dissection of a Residential Appraisal Report” and “Principles of Residential Real Estate Appraising“.

CALMO Realty Services markets computer-based appraisal review forms, validation forms, engagement letters and evaluation forms to institutional lenders and appraisers. Internal consulting and training is another service offered to institutional lenders by the company.

Sue is a Collateral Risk Manager for Fannie Mae in Washington, DC.   Her current responsibilities include supporting the planning and development of the Collateral Data Delivery System (CDD).  CDD is a system that will require the submission of appraisal reports to Fannie Mae prior to loan delivery.  The goal is to improve appraisal report quality, processes and collateral risk management policies and procedures.

Prior to joining Fannie Mae, Sue was Vice President of Business Development for Veros Real Estate Solutions. where she contributed to product development and explored opportunities for Veros products in the collateral management and risk management.

Sue was president and CEO of American Reporting Company, LLC, a credit reporting company located in Kirkland Washington.   ARC’s expanding product set now includes delivery and production of appraisal, escrow, title and flood. During this time Sue participated in the development of AVM testing, regulatory compliance applications and consulting.

For 15 years, prior to joining ARC, Sue was senior vice president and chief appraiser for Washington Mutual Bank. During her career at Washington Mutual Bank she was responsible for designing and implementing an Internet based collateral valuation management system, developed and implemented AVM testing procedures, vigorously pursued and implemented AVM cascade logic, introduced “bump logic”, and was responsible for maintaining collateral risk and appraisal policies and procedures for the bank. Sue managed a staff in excess of 800 appraisers and technical employees that produced appraisal reports in 50 states. She was responsible for the design and implementation of alternative valuation products that included desktop appraisals and appraiser assisted AVM reports. She also participated in 38 mergers and acquisitions that expanded mortgage lending into 50 states.

Sue started her career as a residential real estate appraiser. She owned and operated The Appraisal Group of Kirkland for six years.

Sue has outstanding experience as a successful business owner, public speaker, and a respected leader in the appraisal and mortgage lending industry for more than 25 years. She has served on various boards and national committees including CMDC, Fannie Mae, AIRD, The Appraisal Institute, The Appraisal Foundation and the Arthritis Foundation. Sue’s recent speaking engagements include: The Appraisal Institute, Appraisal Today, and the Predictive Methods Conference.

Lee Trice has spent his entire career in the field of real estate valuation services. He currently serves as Principal of The Trice Group LLC. The Trice Group is a Regional firm providing residential and commercial appraisals and consulting in the Mid Atlantic states.

Lee graduated from the University of Maryland with a Bachelors Degree in Economics and a concentration in Computer Science. He is a designated member of the Appraisal Institute and the Royal Institution of Chartered Surveyors. Lee has been active in numerous Appraisal Institute roles – including Chair of the Leadership Development Advisory Council and Chair of the AI Reports project team.

While spending the vast majority of his career building and managing an independent valuation services firm, Lee did participate in Valuescape LLC from 2008 – 2009. Lee served as one of the Principals and Chief Information Officer of Valuescape and oversaw technology initiatives focused on transaction management and interactive valuation modeling solutions. Valuescape maintained offices in Maryland and Delaware and partnered with MDA until the corporate unwinding in January 2009.  Lee started the Trice appraisal legacy with his sister Joan Trice in 1987. Lee is the member of the “Trice Clan” which counts 4 appraisers among 6 siblings. By most accounts – actually mainly his own – Lee is the youngest, smartest, best looking, and humblest member of the family.