Hope R. Davis
Garland
Summary
Mortgage professional with extensive experience in loss mitigation and compliance in Mortgage Servicing. Demonstrated success in managing complex loan portfolios and improving team productivity. Skilled in underwriting software and data management systems, with strong communication abilities that enhance client relationships and drive results.
Overview
16
16
years of professional experience
Work History
Loss Mitigation Negotiation SPOC
Shellpoint Mortgage Servicing
04.2023 - 11.2024
- A portfolio of 200 loans to be monitored for possible workout options of forbearance, repayment plan, partial claims, modification, short sales or deed in lieu, as per Federal guidelines.
- Single Point of Contact for homeowners whose homes are 90+ days delinquent, seeking Loss Mitigation assistance to avoid foreclosure.
- Review financial and monthly expenses according to FHA, VA, USDA, GNMA guidelines to determine what workout the homeowner qualifies for as per the Waterfall.
- Review document of liens, and Quick Claim Deeds for loans that are being evaluated for Loss Mitigation assistance.
- Validated once the closing has been completed that the documents are accurate, and the correct amount of funds has been received.
- Pulled credit reports and performed basic underwriting on loans for approval.
Senior Loan Processor & Document Specialist
Mr. Cooper
05.2015 - 03.2022
- Managed FHA, VA, and Conventional loans as Single Point of Contact with homeowners.
- Worked closely with customers, sales team, management and Title Companies.
- Researched information needed via websites, applications and systems to resolve issues to prevent delay with customers review for approval of their loan refinancing process.
- Used DU and LP Underwriter Desktop, Encompass, FHA and VA websites as well as other systems and applications to complete the review process.
- Scheduled customers for closing with the Title Companies once all exceptions were cleared and approved by the Underwriters and funder.
- Validated the scheduled closing took place, and the necessary paperwork was received, notarized, dated and signed by both parties with the correct funds.
- I have worked on the Assignment Team for over 5 years. Preparing Assignments needed for FNMA, FHLMC, VA, Conventional, USAA, CEMA, Lost Affidavits as well as Rescission of Assignments and Officer’s Certificates for all States.
- Validated the Chain of Title as needed for Lien Releases.
- Ordered Collateral Files and documents needed to complete the Chain of Title, check the county’s website, Data Tree as well as 3rd parties and Title Companies to resolve title issues.
- Cleared exceptions as needed for the foreclosure Attorney in Black Knight and ordered documents for Reverse Mortgage.
- Notarized Assignment for the State of Texas.
Mortgage Foreclosure Specialist, FHA, HUD Settlement and DOJ Loans Auditor (Team Lead)
New Bold - Bank of America, N.A.
Fort Worth
01.2011 - 07.2014
- Conducted audits on multiple states for FHA/HUD settlements and DOJ loan approvals for foreclosure.
- Cleared exceptions preventing loans from proceeding to foreclosure per FHA, HUD, and DOJ guidelines.
- Provided audit findings to management, ensuring compliance and transparency.
- Ordered breach letters and state letters as needed, verifying note endorsement and mortgage assignments.
- Coached team members in reviewing foreclosure processes to enhance overall productivity.
- Maintained highest workload production while consistently meeting deadlines.
- Led a team of 12 agents, facilitating training for new hires and supporting project management tasks.
Foreclosure Specialist
West Law Firm
Dallas
03.2009 - 02.2010
- Collaborated with firm on Bank of America, N.A., loans in foreclosure.
- Prepared Substitute of Trust, Warranty Deeds, and Assignments; verified completed Chain of Title.
- Coordinated with Black Knight to resolve tasks for clearing loans prior to foreclosure sale.
- Monitored foreclosure pipeline to ensure timely progress and milestone adherence.
- Calculated foreclosure fees and costs for accurate financial reporting.
- Assisted attorney during foreclosure sale to facilitate legal processes.
Education
Some College (No Degree) - Biology
Dallas Community College
Mesquite, TXSkills
- Microsoft PowerPoint and Excel
- SharePoint and Salesforce
- Data management systems
- Underwriting software
- Loss mitigation strategies
- Vendor management systems
- Adobe applications
Job Summary
30+ years, 40+ years, 15+ years, Foreclosure, Underwriting, Bankruptcy, Modification, REO, Loan Servicing, Loss Mitigation, Consumer Loan Collections, Call Center environment, Excellent research skills, Strong communication skills, Proficient in MS Office
Affiliations
- Sing in my church choir.
- Feed the hungry in my community.
- Help my family with their catering business.
- Teach people how to prepare for national disasters.
Timeline
Loss Mitigation Negotiation SPOC
Shellpoint Mortgage Servicing
04.2023 - 11.2024
Senior Loan Processor & Document Specialist
Mr. Cooper
05.2015 - 03.2022
Mortgage Foreclosure Specialist, FHA, HUD Settlement and DOJ Loans Auditor (Team Lead)
New Bold - Bank of America, N.A.
01.2011 - 07.2014
Foreclosure Specialist
West Law Firm
03.2009 - 02.2010
Some College (No Degree) - Biology
Dallas Community College
Similar Profiles
La’Toya SmithLa’Toya Smith
Loss Mitigation Specialist at Shellpoint Mortgage ServicingLoss Mitigation Specialist at Shellpoint Mortgage Servicing
Qualeshia Richardson JohnsonQualeshia Richardson Johnson
Loss Mitigation Specialist at Shellpoint Mortgage Servicing/ New RezLoss Mitigation Specialist at Shellpoint Mortgage Servicing/ New Rez
Jessica GomezJessica Gomez
Customer Service Manager at Shellpoint Mortgage ServicingCustomer Service Manager at Shellpoint Mortgage Servicing
Nicholas HokinNicholas Hokin
Dedicated Loan Servicing Consultant at Shellpoint Mortgage ServicingDedicated Loan Servicing Consultant at Shellpoint Mortgage Servicing
Zita CoronadoZita Coronado
Server/Waitress at Cracker Barrell Old Country StoreServer/Waitress at Cracker Barrell Old Country Store