Rachel Dollar
Attorney

Rachel Dollar is a California attorney and recognized expert in the mortgage lending industry. Ms. Dollar represents lenders and secondary market investors nationwide in lender liability and mortgage fraud litigation. She is a shareholder in the California law firm of Smith Dollar PC.

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, has testified before Congress 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 and 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.)

James P. Gaines, Ph. D.
Real Estate Center at Texas A&M University,
Research Economist

Dr. Jim Gaines is a Research Economist at the Real Estate Center at Texas A&M University focused on housing and land development issues.  Dr. Gaines has more than thirty years experience in a broad array of professional activities primarily in real estate research and education, urban economics, land use analysis and development and project risk assessment.  Dr. Gaines has provided real estate consulting services to numerous businesses, financial institutions, developers, and all levels of government organizations.  Prior to his private consulting career, Dr. Gaines served as President of Rice Center, an urban research center affiliated with Rice University and was an Associate Professor of Real Estate and Finance at the University of South Carolina. 

Dr. Gaines earned his B.B.A., M.A. and Ph. D. degrees at the University of Georgia.

Troy W. Garris
Weiner Brodsky Sidman Kider PC, Member

Troy focuses on federal and state regulatory compliance and transactional work.  He also assists clients with labor and employment issues.

In regulatory compliance, Troy represents mortgage lenders and servicers, title companies, secondary market investors and builders in the areas of mortgage origination and servicing.  Troy’s experience includes:

• Advising clients on servicing and predatory lending issues.
• Assisting companies with repurchase demands.
• Advising on federal and state law compliance issues, including under RESPA, TILA, E-Sign, FCRA, CAN-SPAM, Fair Lending, privacy and similar laws. 
• Developing compliance policies and procedures.
• Counseling on the requirements of FHA, VA, Fannie Mae, Freddie Mac and private investors. 
• Representing companies in proceedings before regulatory agencies, including HUD, federal and state banking examiners and insurance commissions.

In transactions, Troy works closely with senior management in forming, acquiring and selling mortgage banking companies.  He helps clients perform and prepare for comprehensive due diligence reviews, and advises clients regarding credit lines, mortgage sale and servicing agreements and establishment of joint ventures. 
 
Troy also provides regulatory and transactional support to the firm’s transportation clients, and counsels on wage and hour issues, drafting employment agreements and establishing personnel policies and procedures.

J.K. Huey, CMB, AMP
Wells Fargo Bank, Senior Vice President, Short Sale/REO

JK is the Senior Vice President responsible for the Short Sale and REO departments of Wells Fargo Home Mortgage.  Prior to joining Wells Fargo, she was the servicing manager at IndyMac Bank.  She has also held senior management positions with other large companies in the industry, including Washington Mutual and HomeSide Lending.  She has managed Customer Service, Default Management, Escrow Administration, Cash Management, Investor Reporting, Acquisitions and Retail Production.

JK is a graduate of the MBA School of Mortgage Banking and holds the designations of Master Certified Mortgage Banker and Accredited Mortgage Professional. She also has her Masters Degree in Business Administration.

JK is a part of the Mortgage Bankers Association of America – Certified Mortgage Banker, Accredited Mortgage Professional, MORPAC Committee, Loan Administration Steering Committee.  Texas Mortgage Bankers Association – President 1998-1999, Past Chairman of Multiple Committees, Recipient of Young Mortgage Banker of the Year 1992. Other – LPS Mortgage Advisory Board, Freddie Mac Servicer Advisory Board, Fannie Mae Customer Advisory Group, Big Brothers Big Sisters.

Nathan Myres
FNMA, Risk Manager

Nathan Myres is a Customer Account Risk Manager in Fannie Mae's Enterprise Risk Management Organization. He reports to the Director of Customer Account Risk Management – Single-Family Mortgage Business – Western Business Center. Nathan is responsible for single-family mortgage operational performance in the areas of credit-risk management and counterparty risk management supporting customers in Texas.  He joined Fannie Mae in 2005.

Before joining Fannie Mae, Nathan worked for Freddie Mac, where he was an External Operational Risk Analyst. Prior to that, he worked in regulatory banking consulting and appraisal management.  He has significant experience working in the financial services industry and experience in credit, operations, mortgage and acquisitions, product development, business management, and quality control.

Nathan has a master of business administration from SMU’s Cox School of Business and a bachelor of science from Brigham Young University in Economics.  In his free time, he enjoys spending time with his wife Kristin and their five children.

Karl Pack
Houston VA Regional Loan Center, Loan Production Officer

Karl Pack has been the Loan Production Officer for the Houston VA Regional Loan Center since June 2004.  The Houston RLC is responsible for all VA loan origination activities in Arkansas, Louisiana, Oklahoma, and Texas.  Karl has been with VA Loan Guaranty Service since 1978, having served in various positions at the Baltimore and Waco Regional Offices, VA Central Office, and with the Nashville Monitoring Unit.  Before coming to Houston, Karl served as Chief of Loan Guaranty Oversight Programs at VA Central Office.  In this position, Karl directed VA’s program of lender audits and surveillance as well as surveys of VA field offices.  Karl is a veteran of 21 years of service in the Army and Army Reserve.  He and his wife, Faye, have two sons, one of whom is an Iraq veteran, and live in Magnolia, TX.

Sue Woodard
Mortgage Success Source, President

Sue Woodard President of Mortgage Success Source, has held many different roles during her seventeen years in the mortgage industry. A highly sought-after international speaker, trainer, writer and consultant for the mortgage and real estate industries, Sue and her top-producing team maintain a profitable and thriving origination practice in Minneapolis, Minnesota. Sue had her own successful financial radio show, has been featured on NBC and CBS Live News Radio, and has also been a guest on CNBC's SquawkBox and Jim Cramer’s Mad Money. She is a member of her local Mortgage Association and Board of REALTORS®, the Women’s Council of REALTORS®, and is on the National Advisory Board for Ellie Mae. She has a twelve-year-old daughter…and firmly believes that sleep is overrated.