Pamela D. Simmons

Pamela Simmons is highly qualified in all phases of residential real estate. She is an expert on the Federal Truth in Lending Act (TILA) to home refinance and secured real estate transactions. Ms. Simmons’ practice focuses on all matters relating to the home loan or mortgage. In the mortgage lending law area, she has upheld the rights of borrowers who have been harmed by illegal lending and collection practices, sometimes known as predatory lending.

Ms. Simmons graduated from Lincoln Law School in California with a J.D. and became an attorney in 1992. From 1992 through 1994 before starting in private practice, she was an Assistant District Attorney, prosecuting real estate, mortgage, and other white collar frauds in Santa Cruz County, California. Ms. Simmons was awarded an Honorary Doctorate of Laws degree from Lincoln law school in 2011.

Ms. Simmons has written articles regarding The Federal Truth in Lending Act (TILA) for both the American Bar Association and the California Real Estate Reporter. She has also authored a comprehensive article about TILA for the National Consumer Law Center (NCLC). Ms. Simmons has been a co-author of “Roger Bernhard's California Mortgage and Deed of Trust Practice,” published by CEB, since 2006. She has been routinely quoted in publications, including the Wall Street Journal, Money Magazine, and Business Week, plus other local newspapers. Ms. Simmons has also been called upon to act as an expert witness many times; none of the cases have gone to trial.