Curtis L. Novy

FULL-TIME nationwide expert witness focused on bank fraud, construction loan fraud, elder financial exploitation, embezzlement, FINRA elder abuse, probate fraud, stock investment custodian compliance, private/hard money loans, title & deed theft, mortgage underwriting, and real estate broker regulations. Retained by banks, financial institutions, law firms, municipalities, title insurers & escrow companies. Provide training to law enforcement and DA's on investigating complex white collar crimes. Call (858) 336-0520 | Email: CurtNovy@gmail.com.

Financial Investigative Services (FIS) specializes in complex financial investigations and expert witness testimony, such as bank fraud, construction loans, elder financial abuse, embezzlement, foreclosure action, loan servicing, real estate & mortgage fraud, insurance fraud, title insurance, forged deeds, and notary fraud.

Over the past two years, Curt Novy has testified as a court approved expert witness in ten civil trials in federal and state courts in Chicago, Las Vegas, Los Angeles, Phoenix, Oakland, Orange County, San Diego, and San Francisco. Most recent trial testimony 10/28/2025. Active memberships in ACFE and banking/law enforcement fraud industry groups. Serve as a task force member focused on elder abuse, mortgage, and real estate fraud.

FIS focuses on civil litigation involving bank fraud, forensic loan audits, foreclosure fraud, identity theft of real estate, escrow & title fraud, forged title deeds, insurance fraud, loan document examination, mortgage fraud, notary fraud, loan servicing, hard money lender practices, mortgage & real estate standards & practices, and RESPA violations.

FIS is owned and managed by Curt Novy, a mortgage underwriting, real estate, and investigation industry veteran. In addition to expert witness testimony, FIS offers professional licensing verification, real estate audits, construction fraud investigations, bank fraud examinations, contractor licensing fraud, divorce investigations, forged document examination, forensic accounting, insurance fraud, and notary fraud investigations.

Please visit our expert witness and consumer protection websites:
• FinancialInvestigativeServices.com
• MortgageExpertWitnesses.com
• FinancialCrimesNetwork.com
• WhiteCollarPI.com

Our flexible pricing structure saves our attorney clients time and money by providing a one-stop source of project services including: contract fraud investigations, mortgage/real estate analysis, forensic audits, document examination, and expert witness services.

Representative cases include: bank fraud, commercial & construction loans, concealment of real estate holdings, divorce asset disputes, bankruptcy fraud, elder financial abuse, non-profit asset theft, embezzlement, fraudulent deed transfers, foreclosures, identity theft, insurance fraud, wrongful foreclosure, and wire fraud.

2025 Professional Memberships:
• American Land Title Association (ALTA)
• Association of Certified Fraud Examiners (ACFE)
• California Financial Crimes Investigators Association (CFCIA)
• California Association of Licensed Investigators (CALI)
• International Association of Financial Crimes Investigators (IAFCIA)

Primary Areas of Expert Witness Testimony:
• Agency Buybacks & Insurance Claims
• Bank Audits & Fair Lending Examinations
• Mortgage & Real Estate Fraud, Divorce Investigations
• Elder Financial Abuse & Identity Theft
• Falsified Documents & Forged Deeds
• HUD Lender Investigations
• Loan Application Fraud, Misstatement of Material Facts, PPP Loan Fraud
• Mortgage Fraud Audits & Mortgage Underwriting Standards & Practices
• Private Mortgage Insurance, Private Investor Loans, Promissory Notes
• Real Estate Regulations & Broker Standards of Care
• Title & Escrow Standards & Practices, Title Fraud, and Forged Grant Deeds

CA Dept. of Real Estate Broker's License # 01108665
CA Bureau of Security & Investigative Services, Qualified Manager/PI License # PI188926
AZ Dept. of Public Services, Qualified Manager/PI License # 1773687