About Mortgage Lending Expert

Michael Chulak is president of CoastManagement.net and is also a real estate, mortgage lending, and homeowner association attorney.

Born in Los Angeles, he obtained a Bachelor of Science degree in Business Administration from California State University at Los Angeles and a Juris Doctor from Ventura – Santa Barbara College of Law. In addition to being an attorney, Michael Chulak is a licensed general building contractor and a California real estate broker. In 1979, he earned the Certified Property ManagerŪ (CPMŪ) designation.  He has been an instructor at six California colleges including UCLA. Course topics have included homeowner association law, real estate finance, property management and leasing, legal aspects of real estate, and the foreclosure and loan modification process.

Michael Chulak has provided legal advice to hundreds of corporations, LLCs and partnerships and has provided consulting services to over one hundred law firms. He has testified as an expert witness more than 125 times over the last twenty five years.

Michael Chulak formerly served as President and CEO of Union America Mortgage and Equity Trust (UMET), a New York Stock Exchange listed Real Estate Investment Trust (REIT) doing business in nineteen states. Michael Chulak also served as Senior Vice President of Long Beach Savings where he was responsible for loan originations, loan underwriting, real estate appraisals, loan closings-escrows, construction lending, joint ventures, and the apartment construction division. A complete resume outlining his experience in real estate lending is available at your request.

There will be no charge for the initial consultation.

• Income Property Lending         • Construction Loans

• Residential Real Estate Loans

• California Homeowner Bill of Rights


Michael Chulak is available as a mortgage lending litigation consultant and expert witness in any of the following areas:

•Standard of Care
•Secondary Market
•Loan Sales
•Construction Lending
•Loan Broker Relationships
•Loan Repurchase Agreements
•Loss Mitigation
•Loan Modifications
•Loan Servicing
•Risk Analysis
•Homeowner Association Loans
•Hard Money Loans
•Private Money Loans
•Mortgage Banking
•Wrongful Foreclosures
•Lender Liability
•Residential Loan Underwriting
•Income Property Loan Underwriting
•Sub Prime Loans
•Loan Documentation
•Funds Control
•Construction Inspections
•Disclosure Requirements
•Lending Procedures
•Loan Participations
•Loan Escrows
•Construction Loan Disbursements
•Loan Processing
•Predatory Lending
•Private Trust Deeds
•Mortgage Brokerage
•Negligent Foreclosures
•California Homeowner Bill of Rights

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