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Who Will Be This Year’s Keystones Recipients?

On September 25, the mortgage and housing industry’s women business leaders will be recognized and honored at The Keystones—the 2019 Women in Housing Leadership Awards.

Hosted during the 16th annual Five Star Conference and Expo, the Keystones will be presented in five categories. The finalists for each category of these awards were chosen from a list of hundreds of nominations received from across the industry.

RISING BUSINESS LEADER AWARD

Recognizing individuals who, while still early in their careers, have demonstrated an outstanding capability to lead and drive progress.

Nicole Booth

VP of Public Policy, Quicken Loans 

Nicole Booth describes herself as a “believer in utilizing technology to educate, offer services, and bridge communities.” She has worked for Quicken Loans for the past seven-plus years, starting her time with the company as a Government Affairs Associate. She is responsible for aiding and overseeing Quicken Loans’ public policy planning and advocacy agenda.

Skilled in federal and state policy analysis, politics, legislation, public speaking, messaging complicated issues, strategic plans, coalition building, and public policy, Booth maintains a focus on “what lies at the corner of the mortgage industry and technology, including general fintech, consumer choice and experience, remote online notarization, eClosing, blockchain, telecommunications, and data privacy and security.”

Amanda Horvath, Product Manager of One Reverse Mortgage, told MReport that Booth has a passion for financial ease, access, and education for all. “She utilizes policy to advance the digital mortgage experience through direct impact on eClosings and privacy,” Horvath said of Booth. She added that Booth has been elected by peers to leadership boards because of her drive for fintech and reputation for advocacy execution.

Emily Chavarriaga

Government Loan Servicing Default Operations Manager, Bayview Loan Servicing

Chavarriaga was the recipient of the ALFN’s Junior Professional & Executives Group Picture the Future Award, given annually to 12 young professionals. She has also partnered with the Enterprise Optimization Team (EOT) in developing and deploying the first robotic process automation (RPA) to Bayview.

“Using software with artificial intelligence and machine-learning capabilities, the EOT team and I went on to create an additional six bots that completely changed the landscape of the Government Servicing Claims Department, ensuring lower operational risk, improved internal processes, and reduction of cost,” Chavarriaga told MReport. Chavarriaga said that one important lesson she has learned over the course of her career is that strong employees are not necessarily defined by “polished resumes and perfect bullet points.”

“Some of the hardest workers I employed were the ones who did not have the benefit of top-tier schooling but who were hungry for change and opportunity. The financial industry introduced me to a different atmosphere and culture—one that would prepare me for my later position in mortgage banking.”

Gina Daya

AVP of Foreclosure, Fay Servicing, LLC 

Gina Daya said watching one of her direct reports use an old methodology spurred her to think of a way to more effectively complete that task. The implementation of this new procedure is what Daya called her proudest career achievement.

“It was such a rush to come to work and see my direct reports thriving with the new process, something I helped develop,” Daya said.

Daya’s most important career lesson came from one of the most tragic moments in her life: the passing of her father, five years ago.

“I lost my father, but I also lost my career advisor, my cheerleader, and my mentor, all in one. I had always worked hard but I didn’t have a real sense of purpose or direction of what I wanted to do in life,” she said.

She was forced to come out of her element and face challenges she never imagined.

“We rarely unlock our true potential unless we are challenged with some kind of obstacle or are forced to overcome what seems impossible,” Daya said. “If it wasn't for that event, I definitely would not be where I am today.”

Keena Newmark

Managing Attorney - Bankruptcy, Padgett Law Group

When reflecting on her own career path so far, Keena Newmark recalled a moment that happened during a recent diversity and inclusion panel on which she was a participant. During the panel, an attorney she had hired out of law school singled her out as a strong influence and inspiration on his own career.

“He spoke about my impact on his professional development and specifically how seeing a black woman rising in the industry [helped build] a foundation for his own success, where he hasn’t felt limited by boundaries and ceilings,” Newmark said. “I have a passion for empowerment, so it makes me extremely proud to know I have had an impact that I hope will continue to be paid forward.”

Newmark added that it is important to recognize that everyone has a gift, and that it is her “professional responsibility and privilege” to harness each individual’s talents and gifts. She said she wants to challenge her employees to strive for a constant state of improvement, not falling back on what is easy and comfortable.

Tomaneci Waller-Day

Director, Office of Inclusive Engagement, Employees and Suppliers, Freddie Mac

The most important lesson Tomaneci Waller-Day has learned is that “you can’t do anything alone.” She said she owes her success to her colleagues within Freddie Mac’s Office of Inclusive Engagement at Freddie Mac.

“They bring the mission and vision of our initiatives to life,” she said. “I believe that, as leaders, our role is to ensure that advocates and champions supporting our efforts have room to fail fast, learn, try again, and keep moving forward as leaders themselves. My leadership is not just ideation and direction; on the contrary, I roll up my sleeves and get to work—my team values this support.”

Waller-Day created Freddie Mac’s first diverse supplier development program called the Vendor Academy. The program helps diverse suppliers learn how to do business with Freddie Mac and how to grow their business with other financial services companies.

“My team and I continue to improve the program by using human-centered design principles, exploring case studies, and evaluating suppliers’ responses to ‘mock’ RFP’s.”

THE CULTURAL LEADER AWARD

Honoring industry leaders who have successfully fostered forward-thinking company cultures and workplaces through corporate strategies and initiatives that have led to tangible, positive outcomes for colleagues company-wide and beyond (minimum 10 years’ consecutive industry experience).

Karen Abram

SVP, PennyMac Loan Services

Karen Abram said, no matter where you come from, culture is the key element that brings people together. According to Abram, it’s a matter of connecting one’s personal values with those of the organization, and when employees’ values align with the company’s, “there’s a natural connection.”

“I help to bridge that connection by influencing those day-to-day behaviors that support and align with our company’s core values,” Abram continued. “Through implementing various culture events, recognition programs, and employee-engagement activities, our employees have embraced what our culture stands for—accountable, reliable, and ethical behavior.”

Abram hosts monthly executive meetings not only to discuss culture-related events, but also to review their organization’s performance, which is measured through a quarterly culture governance scorecard that highlights employee-engagement metrics. She also credits the success of the cultural efforts to her team that she says has “as much creativity and passion” for wanting to make PennyMac a great place to work for.

The most important lesson she has learned is that the people she works with are her family. “Your job should feel like home,” she said.

Sarah Batangan

COO, First Guaranty Mortgage Corporation

Sarah Batangan told MReport that the implementation of bold strategies and investing in other people have helped her raise the bar throughout her career, and at First Guaranty Mortgage Corporation (FGMC). She added that positive outcomes have come from improving customer experience and impacting the bottom line.

“By taking advantage of technology, community, and partnership opportunities, I have reduced operational costs by over 50% at FGMC and 40-50% in previous positions,” she said. “I have also led a marketing team to design and carry out a successful digital strategy that has lowered our lead generation costs and strengthened our brand impact.”

She said one of the most important lessons learned during her career is to stay true to who you are.

“If I didn’t have a strong sense of identity and hadn’t done exactly what I did over the last 30 years, I would not be in the position I am today. I have consistently made choices that align with my values and set expectations that pushed me and my teams to reach greatness because of my integrity. With the power of attraction,” she said, “the possibilities are endless.”

Deborah Garcia-Gratacos

President and CEO, DEVAL LLC 

The housing sector is filled with challenges and problems, but Deborah Garcia-Gratacos told MReport that policy and government funding presents many opportunities to tackle these challenges with the goal of improving the lives of many.

“This is the motivational foundation of our firm: to continue improving the quality of life of beneficiaries and their living conditions,” she said.

Garcia-Gratacos believes that it is critical that companies look for innovative ways to think ahead as to how the company can continue improving living conditions and quality of life. Key to that vision of progress is a commitment to maintaining a diverse workforce that represents a wide range of experience and backgrounds, factors that will allow a company to better understand and approach the needs of homeowners.

“In the end, housing is not about real estate; it is about people,” she said.

When confronted with difficulties or discouraging moments throughout her career, Garcia-Gratacos said the best approach to move forward is “remembering your goals, dreams, and motivations, which refocuses your efforts towards the path you want to go and the matter at hand.”

Sally Elizabeth Garrison

Managing Member, The Mortgage Law Firm

For Sally Garrison, the most important goal is being of service to her colleagues. She said there is “no greater compliment” than having peers ask for her help.

“I am proudest of those colleagues who have grown alongside me, and I can see little ways in which they have internalized something I have taught them,” Garrison said. “Nothing beats the feeling of helping others grow. At the end of the day, we are all on the same team. When they shine, we all shine.”

Garrison added that she helps foster a forward-thinking company by studying. She reads articles and watches lectures on the topic, and then tries to incorporate the insights she takes away from this material into her daily life. Garrison said that you “have to live the lessons” and be authentic to resonate with people.

Garrison said some of her most important career lessons include being kind to everyone you meet, accepting that there is more than one way to be right, and learning that “vulnerability takes courage.”

Tammy Chree Wells

VP, Citigroup

Tammy Chree Wells said that her career of nearly two decades has prepared her for current role at Citigroup, as she has learned to embrace change in an evolving environment of increased regulatory standards.

Of those experiences, the most important, Wells said, are self-confidence and remaining open-minded. Self confidence, she said, taught her to speak up when things were wrong, and now she teaches young women professionals to do the same through mentorship. Wells also participates in external activities to build women’s self-esteem by collecting professional attire to help prepare them for the workforce.

“Having worked in many positions has introduced me to new people, cultures, and a new way of thinking,” Wells said. “I’ve learned to open up my mind to new ideas and set aside beliefs that hindered my growth from my childhood that I carried into my adulthood. I encourage people to embrace change and set aside narrow-minded ways of thinking.”

THE COMMUNITY LEADERSHIP AWARD

Celebrating those who have successfully broken barriers and helped lead the charge in developing diverse workplace cultures by fostering inclusive and welcoming environments for people of every color, creed, and gender to prosper and achieve over adversity (minimum 10 years’ consecutive industry experience).

Sue Carrion

Director, Default Servicing, Ocwen Financial Corporation

Sue Carrion lead the Ocwen Global Women’s Network for Ocwen Financial Corporation, an affinity group with the mission of supporting the recruitment, development, and retention of women across the organization. In this capacity, she helped facilitate events such as negotiation workshops, self-defense classes, networking events, leadership classes, executive panels, and team-building exercises, while also supporting local businesses. Carrion also coordinated the facilitation of events, such as “Women in Distress of Broward County,” “Dress for Success West Palm Beach,” “Locks of Love West Palm Beach,” and “Chef for a Day.”

“Being able to help people in need within the community is always fulfilling. I feel grateful for all the opportunities and resources available in my life and love sharing it with others. I feel proud when I see the Ocwen Global Women’s Network come together and donate their time and resources to help organizations make a difference in our community,” Carrion said.

She added that it is important to be your authentic self, as teams appreciate and trust leaders who are authentic and genuine, “regardless if they fit into the perceived mold of what a leader in corporate American should be.”

Yvette Gilmore

VP, Single-Family Servicer Relationship and Performance Management, Freddie Mac

Yvette Gilmore said that in her 10 years at the helm of Freddie Mac’s mortgage-servicing efforts, beginning with the Great Recession, she is proud to have played a role in more than 1.2 million homeowners being able to avoid foreclosure and stay in their homes.

“I continue to speak with borrowers in their hometowns, participate in community and city town hall meetings, and regularly meet with Federal Housing Finance Agency leadership to ensure the important work we do to keep people in their homes is recognized and continues,” she said.

Overall, though, Gilmore said she is most proud of the more than 1,200 “dedicated” Fannie Mae servicers across the country who have helped preserve homeownership across the nation.

Gilmore said the most important thing is that she has learned is having the ability to take risks.

“We must ensure that we have the correct line of sight into the end impact of what we’re working on for our servicers by facilitating an innovative and evolving change to the servicing industry to, ultimately, better serve the borrower,” Gilmore said.

Marcia J. Griffin

Founder and President, HomeFree-USA

Marcia Griffin told MReport that her greatest contribution to her community has been empathy, outreach, and results. Empathy, she said, is critical so the industry can better understand the needs and the challenges of her customers—lenders and homebuyers.

“We try to give them what we feel they want, not what we want,” Griffin said. “My leadership is shown in our dedication to targeted outreach because we have to go out to the populations that we want to serve with a message that will resonate with them.”

Griffin said being results-oriented is key, as nothing happens “unless we make it happen.”

Her proudest achievement is assisting more than 8,000 people—mostly African-Americans—to buy a home that they can keep.

“We have a group of people who are dedicated, who are smart, who are about business, and who live and embody the culture that we stand for, and that culture is one that bridges financial success and homeownership for people of color.”

Tracey Marie Naranjo

Foreclosure Supervisor, Carrington Mortgage Services, LLC

Tracey Marie Naranjo has been an active leader in local communities, spearheading events and fundraisers and keeping others aware of ways they can help. She has volunteered at foster centers, juvenile detention centers, underrepresented scholar programs, special education programs, special olympics, evacuation shelters, and charity events helping wounded soldiers. She has also led fundraisers to raise money for supplies at foster care centers, troops overseas, families, cancer patients, and domestic violence shelters.

Naranjo said her proudest achievement is the success of those she has helped.

“The impact you can make on one’s life by simply listening, motivating, and encouraging goes beyond any monetary success,” she said. “When you are able to see the life of one person change simply because your lives crossed paths is amazing.”

Naranjo added the biggest lessons she has learned throughout her career has been to “walk the talk,” and “give credit where it’s due.”

Gina West

Manager, Community Relations, Fannie Mae

Gina West believes strongly in creating a positive employee culture that provides opportunities to support the diverse interests and needs of the workforce. West said that during her six years at Fannie Mae, she has helped develop community-impact programs that enable employees to participate “wherever they are in their careers and regardless of where they are located.”

These programs include virtual volunteerism opportunities, nonprofit board training for employees of all levels, and a post-disaster home rebuild deployment program, which is open to and brings together employees.

During her time at Fannie Mae, she is most proud of creating 7 Days to SERVE, the annual week of volunteer service that has “reinvigorated” Fannie mae’s culture of service and brings employees together. Participation in the program grew from 18% in 2013 to 51% this year.

West said she worked to establish the Fannie Mae Employee Relief Fund for an employee who lost their home in flood in 2017. Since its inception, the program has raised close to $100,000 to provide support for employees.

THE DIVERSITY & INCLUSION AWARD

Celebrating those who have successfully broken barriers and helped lead the charge in developing diverse workplace cultures by fostering inclusive and welcoming environments for people of every color, creed, and gender to prosper and achieve over adversity (minimum 10 years’ consecutive industry experience).

Sherry Graziano

SVP, Mortgage Transformation, SunTrust

Sherry Graziano said one truth that remains constant, no matter her role, is that diversity is strength.

“Diversity and inclusion in the workforce is the secret weapon that inspires new creative ideas, fresh thinking, and a better workplace culture,” Graziano said. “As the Mortgage Transformation officer, I recognize that it’s that diverse-inspired thinking that gives us access to fresh ideas that can transform our business.”

Graziano supports numerous minority, women, and LGBTA Teammate Network efforts, and has also conducted enterprise training on professional development. Graziano also designed a new loan officer training program that targeted some of the most diverse schools, hoping to bring some of that talent into SunTrust.

The most important less that Graziano can share is to “find what you are passionate about and remain obsessed.”

“You have to be intentional with what you want and fight for what you believe in,” she said. “In the corporate world, there are sometimes so many competing priorities it’s not always clear how best to invest your energy. My suggestion is something I learned early on from my sons’ baseball games: never take your eye off of the ball.”

Lisa Haynes

SVP, Chief Financial Officer, and Chief Diversity and Inclusion Officer, Mortgage Bankers Association 

Lisa Haynes said diversity and inclusion plays a vital role in the creation of “belonging” within an organization. However, for diversity and inclusion to be seamless, it has to be a “natural part of the culture.”

“It has to be who we are as a company,” she said. “Diversity without inclusion doesn’t get to the heart of the issue—inclusion must be taken one more step—belonging.”

Haynes added that research shows that companies with diverse senior leadership, diverse board, and diverse teams make better decisions, are more innovative, build better products, and often have higher revenue.

Haynes said promoting diversity and inclusion differs for each company, as what works for some, may not work for others. She noted the MBA has its diversity and inclusion awards program where member companies are recognized for promoting diversity and inclusion.

“[Diversity and inclusion] is about changing the culture and creating environments where there are differing views at that table.”

Nisa Reyes Howard

EVP, Director of Compliance, PrimeLending

Nisa Reyes-Howard said that, over the past two decades, she has worked to ensure that people “representing every walk of life” have fair access to homeownership. In her role at PrimeLending, she is responsible for the company’s Fair Lending program, which monitors market conditions and dedicates additional support resources to areas that could benefit from minority lending.

“My team has not only introduced Spanish loan documentation but also offered third-party translation services to all loan originators to help expand the company’s minority lending program. As a result of these efforts, PrimeLending has hired more Spanish-speaking originators, opening the door to homeownership for many first-time buyers,” Reyes-Howard said.

One of her favorite terms to share with her team is API, which stands for Assume Positive Intent.

“Check your ego at the door and choose to build relationships with each other based on trust, respect, and a commitment to finding win-win outcomes. Organizations are made up of diverse individuals with vastly different talents and experiences,” she said.

Ingrid Jaschok

SVP, Servicing Operational Support, Mr. Cooper

Ingrid Jaschok said she has a responsibility to be open and transparent about not only who she is as female, but also as a member of the LGBTQ community. She said this has been a priority for her since her time at Kent State, where she was an active member of the Gay and Lesbian Association. She also helped establish Mr. Cooper’s first gay pride group and served as its first president.

“Mr. Cooper Pride, with several hundred members, has changed the way our team members look at diversity and inclusion,” she said.

Jaschok leads training and awareness campaigns to further educate Mr. Cooper on the challenges and successes in the LGBTQ community.

“As one of the first women to become an SVP in the servicing organization here at Mr. Cooper, I recognized an opportunity to serve as a role model for women in breaking the glass ceilings that have long existed in our industry,” she said. “Within my own organization, I push my team to improve not only the customer experience but also the experience for their team members around them,” she said.

Liliana C.A. Nigrelli

Chief Compliance Officer, Churchill Mortgage

Liliana Nigrelli told MReport that diversity helps provide companies within the mortgage industry with employees who represent society as a whole. She said it is vital that industry leaders must recognize diversity begins with recruitment.

“While every organization wants to hire the best candidates based on skills and experience, diversity must remain a priority throughout the recruitment process,” Nigrelli said. “Companies who recognize this are more successful because of the increased efficiency, employee engagement, and customer service a diverse talent pool provides.”

Additionally, creating a culture of inclusivity is essential to improve employee retention, Nigrelli said, as working to foster a consistent culture that values “fresh ideas” team members bring to the table will attract more diverse talent.

“By hiring and working with people of diverse experiences and abilities—whether it be physical disability, nationality, religion, age, gender, employees with young children, sexual orientation, or sexual identity—we have been able to incorporate different ways of thinking and perspectives. We are able to solve problems more effectively and create new processes by tapping into these unique viewpoints each employee brings.”

THE LAURIE A. MAGGIANO LEGACY AWARD

Named in honor of the late industry icon whose distinguished and accomplished career left an indelible impact on housing, this award recognizes those women who through their tireless efforts, collaboration, and ingenuity have powerfully influenced the industry and homeownership nationwide (minimum 20 years’ industry experience).

Caren Castle

Senior Mortgage Servicing Attorney, The Wolf Firm

Caren Castle said she hopes that she has played a role in changing the thought process of being a female attorney and creating a “easier path” for the women who followed her. She said her career has been filled with many firsts: the first partner of a multi-state law firm; the first female president of the USFN; and first female chairperson of the Legal League 100 Advisory Board, to name a few.

But for Castle, she is most proud that she has maintained the respect of her colleagues and peers.

“I remember when one of my son’s teachers was explaining to him that he should protect his reputation, as you only get one and it’s not easy to earn, but very easy to lose,” she said. “I’ve tried to live by those words. Learn from your mistakes, learn from your past, but always look forward.”

She added, “The friendships and relationships that I have built over 35-year career have helped to sustain me,” Castle said. “They have been instrumental in helping me weather the lows and have certainly helped me obtain the highs. I am proud of my accomplishments old, new, and those yet to come.”

Elonda Crockett

VP Operations Shared Services, Fannie Mae

Mentorship and volunteerism are critical to Elonda Crockett because, as she puts it, “time is a precious commodity.” For Crockett, much of that time is spent at community service activities geared toward women, mentoring students of historically black colleges and universities, and sponsoring diversity and inclusion groups with Fannie Mae.

However, she said she believes she is at her best when working with young women who are on the cusp of building and planning for their futures.

“I enjoy working with college students and recent graduates,” Crockett said. “They are at the beginning of their careers and are so eager. Mentoring allows me to introduce students to the housing finance industry—many of whom may not otherwise consider a career in financial services.”

Crockett said dedicating her time makes it possible to share her experiences as a female executive and increase inclusion within the industry. She said she mentors because, “I want students to be armed with knowledge to ask the right questions and make informed career choices.

“I want them to see someone who looks like them succeeding—and to understand that it’s not an anomaly, but an achievable reality,” she said.

Ali Haralson

Chief Business Development Officer, Auction.com

Ali Haralson said her success as a business owner earlier in her career is one of her proudest achievements. Being an entrepreneur gave her the ability to build every part of the organization, deciding how best to work toward a diverse employee culture.

“The most gratifying aspect has been the job creation, coaching and witnessing the growth of more than 1,400 employees,” she said. “Together, we achieved over $50 billion in servicing. In addition, I led the design of programs resulting in tens of thousands of loss mitigation alternatives to foreclosure, meaning that distressed homeowners stayed in their homes.”

During her time at Auction.com, she has helped the company create products such as Portfolio Interact and Bid Interact, which help sellers make education decisions and change the process of bid acceptance. She added that she is also proud of expanding Auction.com’s community involvement by working directly with organizations that support housing, neighborhoods, and veterans.

The most important lesson she has learned, she said, is to embrace authenticity in both herself and others.

“Authenticity unlocks employee strengths, enriches your workforce, and gives you the wherewithal to succeed beyond the status quo,” she said.

Caroline Reaves

CEO, Mortgage Contracting Services

Caroline Reaves said she is in awe of the barriers that have been knocked down during her 34-year career in the industry.

“My journey hasn’t always been an easy one. I’ve encountered a few influential people in our industry who didn’t believe a woman was capable of leading a business,” Reaves said. “But I’ve also been blessed to have worked with some phenomenal leaders who encouraged me to pursue my dreams.”

Reaves said she has the opportunity to provide the same support for women and minorities who are working to grow their careers and advance our industry.

“I couldn’t be more proud of the leaders we’ve grown here at MCS. Our executive team is a diverse group of men and women that represents a variety of life experiences and skillsets. Several of these leaders started with MCS as entry-level employees, and it’s been amazing to watch them grow within our business.”

“Don’t be afraid to take a step back and look at how you’re leading,” Reaves told MReport. “Great leaders adapt and grow, and to do that you have to be willing to be honest with yourself about where you are today.”

Carla Wise

President Residential Servicing, Freedom Mortgage Corporation 

Carla Wise said it is important to she instills in others the desire to always do your best, be determined, and always strive to be better. She encourages leaders to lead with honesty, integrity, and to lead by example.

“I've learned that, even after 34 years in the mortgage servicing industry, I still learn something new almost everyday,” Wise said. “I've learned that it all matters, that my personal reputation is more important than any paycheck. We all benefit from the help of a mentor and those who assist us along the way.”

Wise said her proudest achievements is being approached by others in leadership roles in mortgage servicing. She said she is “delighted” to know her actions have helped others and improve their lives.

She said her career did not go as planned, because “I could not have dreamed of anything so amazing.”

“I grew up in low-income rental housing. Hard work and training have allowed me to have a career and life that I could not have ever imagined,” Wise said. “The mere fact that my name is on a page next to Laurie Maggiano and the other amazing women who are nominees means so very much.”

2019 Keystone Nominees

The following professionals were nominated by colleagues, peers, and employers for being champions of women in the industry, as well as for the dedication they take in their roles. Though our selection committee had the arduous task of selecting only 25 finalists from the impressive list of nominations that came in, we would be remiss if we didn’t honor and recognize the full list of women lauded by the industry

  • Katie Ahrens-Starr, Claims Manager, Rutledge Claims Management Inc.
  • Sarah Andrews, VP, Strategic Partnerships, Auction.com
  • Karen Bellezza, EVP, Ranieri Solutions
  • Whitney Blessington, VP of Marketing, Churchill Mortgage
  • Rhiannon Bolen, Regional Sales Director, Mortgage Capital Trading, Inc.
  • Amanda Buffington Gunderson, VP Marketing and Business Relations, McMichael Taylor & Gray, LLC
  • Feng Cheng, Multifamily Pricing & Securitization Senior, Freddie Mac
  • Kawanna Coppage, SVP of Loan Administration, Caliber Home Loans
  • Angela DeAro, SVP Servicing, PennyMac Loan Services
  • Sonia Dixon, President, MCH of Rockland Inc.
  • Sandy F. Donsky, ABR, CRS, SRES
  • Terry DuVarney, SVP, Loan Administration, PennyMac
  • Maria Evans, VP - Sustainable Communities Partnership and Innovation Initiative, Fannie Mae
  • Annu Farwah, Product Owner, Fannie Mae
  • Laura Ferris, EVP, ALTA Residential Solutions
  • Jennifer Folk, SVP, National Fulfillment and Operations Support
  • Jane Gershman, Chief of Staff, First Guaranty Mortgage Corporation
  • Aubrey Gilmore, VP & COO, Rutledge Claims Management Inc.
  • Dana Gross, SVP, Head of Human Resources, Consolidated Analytics
  • Monica Hadley,  VP, Foreclosure, Carrington Mortgage Services LLC
  • Lora Helt, VP Business Development, Altisource
  • Balenda Hetzel, Regional Production Manager, Inlanta Mortgage Inc.
  • Cornelia Horner, COO and Interim CEO, American Land Title Association
  • Nancy Jardini, SVP and Chief Compliance and Ethics Officer, Fannie Mae
  • Shaquiyyah Jenkins, Broker, Domain Real Estate
  • Karen Jez, VP & Human Resources Leader, Fannie Mae
  • Dena Jones, Director of Project Management, Integrated Technology Solutions, Fannie Mae
  • Neenu Kainth, SVP, Digital Product Management and Labs, Mr. Cooper
  • Kathy Keller, Division Production Manager, Planet Home Lending
  • Christine Kilmer, Product Owner, Fannie Mae
  • Nancy Kowalik, Broker/ Owner, Nancy Kowalik Real Estate Group
  • Lisa Lee, Shareholder, KML Law Group
  • Sharron Levine, Director, Office of Minority & Women Inclusion, Federal Housing Finance Agency
  • Suzy Lindblom, EVP, National Operations, Planet Home Lending
  • Natasha Mathews, Foreclosure Analyst Team Lead, Carrington mortgage Services, LLC
  • Rayman Mathoda, CEO, Xome
  • Danielle McCoy, VP and Fair Lending Officer, Fannie Mae
  • Kristin McGovern, Director, Government Relations Attorney, Fannie Mae
  • Jennifer McGuinness, Co-Founder, Head of Aggregation and Structured Finance, Mortgage Venture Partners
  • Leslie Meaux, VP and Senior Advisor, Office of Issuer and Portfolio Management, Ginnie Mae
  • Stephanie Milner, Director, Capital Markets, Fannie Mae
  • Bethany Ockerman, VP of Operations, Mortgage Contracting Services
  • Andrea Oh, Policy Adviser, Mortgage Bankers Association
  • Lola Oyewole, VP Human Resources and Chief Diversity & Inclusion Officer, Ocwen
  • Jaya Prasad, Director of Internal Communications, Fannie Mae
  • Marie Presti, Owner/Broker, The Presti Group
  • Doris Raimundi, SVP of Mortgage Servicing Quality Control, US Bank
  • Dawn Robinson, SVP Regional Production Manager, PrimeLending
  • Denise Sandoval, EVP Compliance, PennyMac
  • Kay Schinker, COO, LOGS
  • Lisa M. Schreiber, SVP of Correspondent Lending, NewRez LLC
  • Hattie Sharp, VP Strategic Performance Management & Business Development, Auction.com
  • Jessica Sharp, AVP, Mr. Cooper
  • Debra Still, President and CEO, Pulte Financial Services
  • Katherine Sylvie Walker, General Counsel, Trustee Corps
  • AJ Thomas, VP, People & Culture, Auction.com
  • Krystal Thomas, Government Program Specialist, Mortgage Bankers Association
  • Cindy Tucker, President of Oregon Division and SVP and Regional Manager for WFG’s Washington Direct Operations, WFG National Title Insurance Company
  • Michelle Watson, Single-Family Digital Products Director, Fannie Mae
  • Brandi West, Attorney Performance Manager, Quicken Loans
  • Charee Wheeler, VP NW Operations,  LendUS
  • Briana Whelan, Director of Product, Snapdocs
  • Daphane Womack, Non-Technical Project Manager III, Fannie Mae
  • Ramie Word, SVP Servicing Operations, Mr. Cooper
  • Erica Wuckovich, Manager of Project Management Enterprise Data, Fannie Mae
  • Marissa M. Yaker, Managing Attorney of Foreclosure, Padgett Law Group

About Author: Seth Welborn

Seth Welborn is a Harding University graduate with a degree in English and a minor in writing. He is a contributing writer for MReport. An East Texas Native, he has studied abroad in Athens, Greece and works part-time as a photographer.
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Founded by the American Land Title Association, the Coalition provides education about the growing threat of these scams and offers tips to help consumers protect their money during the homebuying process.

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