Herman Thordsen is the principal and senior attorney of the firm which has been in existence since 1972 (over 37 years) practicing in Personal Injury, Defense of those accused of Mortgage Fraud, Real Estate, foreclosure issues, Family Law, Wills, Trusts, Probate, and  Bankruptcy, issues.

 The firm is counsel to the Arizona Association of Mortgage Brokers, Central Coast Chapter (California Association of Mortgage Brokers), Central Valley Chapter (California Association of Mortgage Brokers), East Bay Chapter (California Association of Mortgage Brokers), Inland Empire Chapter (California Association of Mortgage Brokers), Los Angeles Metro Chapter (California Association of Mortgage Brokers), Monterey Peninsula Chapter (California Association of Mortgage Brokers), North Bay Chapter (California Association of Mortgage Brokers), Orange County Chapter (California Association of Mortgage Brokers), South County San Diego Chapter (California Association of Mortgage Brokers), North County San Diego Chapter (California Association of Mortgage Brokers), San Francisco Peninsula Chapter (California Association of Mortgage Brokers), Silicon Valley Chapter (California Association of Mortgage Brokers), South Los Angeles Chapter (California Association of Mortgage Brokers, the Santa Clarita-San Fernando Chapter of NAHREP and the Nevada Association of Mortgage Professionals.

Mr. Thordsen is a CUM LAUDE graduate of Loyola School of Law.  For over three decades, MARTINDALE-HUBBELL, the world's most widely recognized attorney information and rating service, has rated Mr. Thordsen as "AV" (the highest rating conferred) because of his "Very High to Preeminent Legal Ability" and "Very High General Ethical Standards."

Herman Thordsen is admitted to practice before the United States Supreme Court, the United States Ninth Circuit Court of Appeals, United States Tax Court, United States Custom Court, United States Court of Claims, United States District Courts for the Northern,  Eastern, Central and Southern Districts of California, and the California Supreme Court and all California Courts.  

Mr. Thordsen has been a member of the California Department of Real Estate Solicitation Task Force Committee and the California Department of Motor Vehicles Anti-Fraud Task Force.  He has been an Arbitrator with the American Arbitration Association and serves as an Arbitrator in the Fee Dispute program of the Orange County Bar Association . He assists the Public Law Center of Santa Ana as a volunteer attorney.   He is also a Panel Member of the Los Angeles Police Protective League.

He is an active member of:

	California State Bar Association
	Orange County Bar Association
	Orange County Trial Lawyers Association.

Mr. Thordsen is a syndicated columnist on mortgage compliance laws, regulations and cases in the Broker Universe, a division of Thomson Media as well as publishing monthly columns for several trade groups. He publishes the Mortgage e-Alert© for California Mortgage Brokers and Lenders and the Federal Mortgage e-Alert© for National Mortgage Brokers and Lenders. He has published articles for the Los Angeles Daily Journal on Truth-in-Lending, Mortgage Originator (a national magazine), Mortgage Matters (the state magazine for the California Association of Mortgage Brokers). The articles published cover a range of topics involving laws, cases and regulations as interpreted by State and Federal Courts, California Department of Corporations, Nevada Mortgage Lending Division, Colorado, Oregon and other States, United States Department of Housing and Urban Development (HUD) including issues on RESPA, TILA, Reg Z, and criminal indictments for mortgage loan fraud. The firm represents those charged with mortgage loan fraud in federal courts.  

Mr. Thordsen is a frequent guest speaker before trade associations and colleges on:

 

	Mortgage Loan Modifications
	Safeguarding Borrower privacy and identity to prevent identity theft and to avoid being fined $100,000 by the FTC
	"Red Flags" law to identify possible identity theft while processing a loan required by FACTA as of May 1, 2009
	Predatory Lending laws
	Do Not Call List and Privacy Laws (Federal and State)
	Mortgage Loan Fraud
	Self-audits for compliance with HUD/FHA, HUD/RESPA, DRE, CFL , RMLA
	Surviving a HUD/FHA, DRE, CFL, RMLA or MLD audit
	Truth-in-Lending including section 32 and section 35 (higher price) loans and advertising restrictions.
	RESPA
	Independent Contractor Status in the Mortgage Industry or Do you or Do you not pay loan officers as W-2 employees or 1099 independent contracrtors?
	Audits by the Employment Development Department and the Internal Revenue Service
	How to avoid Lender Buy Back Demands without breaching your contract with the lender.
	Obtaining Multi-State Mortgage Licenses

He has been invited to speak before various trade associations on mortgage loan modifications, mortgage loan fraud, and has received certificates of commendation from the United States Congress and the California State Assembly.  The firm represents many mortgage brokers and lenders in California and nationwide.

 

 

 

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