With more than 20 years of experience addressing complex and varied structured finance issues and transactions, Jonathan is a seasoned attorney that gets deals closed.  He has extensive experience in advising financial institutions, investors, originators, sellers and other market participants in capital markets matters with a primary focus on the acquisition, financing and securitization of various asset classes such as agency and non-agency residential mortgage loans, non-performing/re-performing mortgage loans, investor mortgage loans, business purpose loans, commercial/multi-family mortgage loans, home equity loans and home equity lines of credit (including blockchain assets).  Jonathan has been especially successful in developing and implementing programmatic repurchase and warehouse financing programs for both bank and non-bank lenders as well as the establishment of structurally efficient and flexible participation and other investment holding strategies for investors and borrowers.  He is also highly adept in advising clients on compliance with enacted legislation and related rules and regulations promulgated by the Consumer Financial Protection Bureau, the Securities and Exchange Commission and other governmental authorities.

Jonathan’s deep experience and comprehensive understanding of the complexities involved in mortgage-related financing and securitization transactions and the lifecycle of mortgage assets makes him a valuable asset to any client seeking strategic and effective legal counsel in the structured finance and securitization space.

Jonathan is a member of the firm’s opinion committee and the Uniform Commercial Code (UCC) subcommittee and also serves as the head of the Charlotte office’s pro bono committee.

Bar Admissions

Education
JD, Wake Forest University School of Law, 2004

MBA, Wake Forest University, Babcock Graduate School of Management, 2004

BA, Political Science, NC State University, 1997

• Serves as issuer’s counsel on mortgage loan securitization and resecuritization transactions.
• Acted as underwriter’s counsel in offerings of mortgage-backed securities.
• Represented various financial industry participants in the establishment of jumbo correspondent acquisition and securitization programs.
• Closed multiple repurchase facilities involving performing and distressed mortgage loans and mortgage-backed securities.
• Represented various financial institutions in both the sale and acquisition of large-scale mortgage loan servicing portfolios.
• Serves as counsel to sellers and servicers on securitization transactions.
• Represents large financial institutions in whole loan purchase and sale transactions.

• Member, Executive Council, Mecklenburg County Asian Pacific American Bar, 2010
• Member, Investment Committee, National Asian Pacific American Bar Association, 2008
• Member, National Asian Pacific American Bar Association, 2006
• Member, North Carolina Bar Association, 2004
• Member, Mecklenburg County Bar, 2004
• Member, Mecklenburg County Bar, Community Service Committee, 2013

• The Essentials: The CFPB's Final "Ability-to-Repay/Qualified Mortgage" Rules, , January 22, 2013