Ricky Noymany
Haltom City,TX
Summary
Highly knowledgeable Foreclosure Specialist with over 10 years of experience and extensive knowledge regarding applicable laws in the distressed property marketplace. Seeking opportunity in the mortgage and financial industry to utilize my analytical, professionalism and mortgage industry experience.
Overview
11
11
years of professional experience
Work History
Foreclosure Specialist II
Rushmore Loan Management Services
09.2022 - 01.2023
- Cradle to Grave) Monitoring a portfolio pipeline of 600 – 700 VA loans from referral to sale including Judicial and non- Judicial of all 50 states
- Working with programs/applications: MSP Director 7, SafeView, Camp David/YellowStone documents, LPS/Black Knight
- Calculates and prepares reinstatement, payoff figures, and other debt information to attorneys
- Completes, monitors progress and ensures deadlines are met for invoice/fee approval
- Submitting bids to investor for review and provide final bid amount to counsel for scheduled sale
- Uploading Pre-sale checklist and Covid checklist in LPS, running a SCRA report to ensure borrower is not military Follows established company guidelines, department policies and procedures
- Reviewing loans at referral to ensure counsel is provided with origination documents and allonge is endorsed to blank or correct entity
- Ensures compliance with all investor requirements
- Identify opportunities to shorten timelines, drive performance and minimize loss
- Assist on other projects as assigned by Management., Pre-First Legal) Monitoring a portfolio pipeline of 700 – 900+ FHA/Conventional loans including Judicial and non- Judicial of all 50 states
- Reviewing pre-first legal loans to ensure loans are..
- Following each state guidelines and procedures for each loan to ensure pre-first legal to pre-sale deadline is met
- Working each loan to obtain First Legal/Publication and ensure Service and Judgment is granted to obtain a sale date
- Review loans to distinguish if any holds is needed to be in place and assess dates needed in order to be in due diligence timeline
Foreclosure Specialist
PHH/Ocwen Financial
02.2022 - 08.2022
Foreclosure Specialist II
Mr Cooper/Nationstar Mortgage
11.2015 - 02.2022
- Pre-first legal to Sale) Monitoring a portfolio pipeline of 700 – 900+ FHA/Conventional loans including Judicial and non- Judicial of all 50 states
- Reviewing pre-foreclosure loans to ensure loans are referred based on foreclosure requirements
- Following each state guidelines and procedures for each loan to ensure pre-first legal to pre-sale deadline is met
- Working each loan to obtain First Legal/Publication and ensure Service and Judgment is granted to obtain a sale date
- Review loans to distinguish if any holds is needed to be in place and assess dates needed in order to be in due diligence timeline
- Monitoring and ensure deadlines are met for fee request/invoice approval, foreclosure referrals, foreclosure breach letters and collection letters
- Following up with our in-house department/3rd party vendor to ensure breach/demand letter/ (30/60/90 day letter, assignments and original note are endorsed to the correct entity
- Communicating with attorney firm for status on the loan and providing documents, payoffs and any information needed in order to proceed with the foreclosure process
- Calculates and prepares reinstatement, payoff figures, and other debt information to attorneys
- Multitasking emails, intercoms, loans and special projects daily to ensure they are completed within company timelines
- Monitors progress and ensures deadlines are met for property preservation, order values, and inspections
- Reviewing chronologies to evaluate holds and events be within HUD due diligence timeline
- Working with programs/applications: Excel, Word, CHIP, LenStar, LPS/LoanSphere, FileNet, Hermit, TrackRight, Five Brothers, Title365, National Field Representatives (NFR), Lereta, Title Management, Xome
- Cross training and performing other projects as assigned by Management.
Foreclosure Specialist/Trial Witness
BSI Financial Services
02.2015 - 11.2015
- Operating loans from cradle to grave with Conventional loans; FL, AL GA, KY, MO, MS, NC, OK, SC, TN, VA, WV, LA
- Obtaining collateral documents from the imaging software i.e
- (Note, Mortgage, Breach, Title Policy, HUD1/Settlement letter) to refer loans to the system in Lenstar
- Prepping/executing documents for the notary and ordering FedEx label to be shipped out Reviewing and approving invoices after completion of the foreclosure process
- Uncontested trial witness for the state of Florida
- Reviewing chronologies for any delays to be within FNMA timeline
- Report sale information to Asset Managers/Investors with updates on the status of the loan
- Touching up with status report, foreclosure queue, Lenstar queue, CIT and LPS invoicing to meet daily quota
- Working with programs which includes Fiserv, Lenstar, Track Right, Docunym, Loansphere invoicing and SCRA
- Checking with the Loss Mitigation and Collection department for any loss mitigation activities prior to the loan going to sale Requesting pacer search from the Bankruptcy department once attorney advised the borrower has filed Bankruptcy and placing the file on Bankruptcy hold if necessary
- Report in court as a trial witness when the borrower(s) file a suit or to obtain Judgment from the Court/Judge
- States traveled as a trial witness: (New York, New Jersey, Florida, Pennsylvania)
Foreclosure Specialist & HE Risk
Green Tree Servicing
12.2013 - 02.2015
- Checking emails to keep at a minimum and checking daily referral list for new accounts
- Maintaining a sale spreadsheet for thirty-day review, Hamp Certification and day before review for short sale, loan modification, hardest hit funds, deed in lieu, trial modification and bankruptcy prior to foreclosure sale
- Knowledge of foreclosure loans from cradle to grave (Florida, Georgia, Texas) Judicial and Non-Judicial Working queues and milestones daily to assure account status is up to date
- Preparing reinstatement quotes, judgment figures and payoff for attorneys, collections and customer service department
- Checking emails to keep at a minimum and checking daily referral list for new accounts
- Requesting sale result from attorney and notifying Fannie Mae/Freddie Mac REO referral team via email of sale result
- Notifying Mortgage Insurance of sale result prior/after sale to MI company (Gensworth, Triad, RMIC, Radian, PMI, UGIC) if loan has MI insurance
- Obtaining and imaging documents from attorney to meet state specific and QA audit requirements
- Working with programs and applications: Fortrac, Fortracs web, Lenstar, UCSe collections, GTA, LPS invoice, Fannie Mae REO Database, NIS imaging, CRP, Microsoft (Outlook/excel/access/word) Reviewing attorney’s chronology for delays to be in state timeline frame.
Foreclosure Specialist/Mortgage Process Control Specialist
Bank of America Mortgage
07.2011 - 11.2013
- Working with FHLMC, FNMA, FHA, VA, GSE loans
- Reviewing loans with: Excel spreadsheet, LPS, AS400, Home Base/Home Saver, EPW, IPortal, etc
- Proceeding mortgagor to foreclosure within sale date
- Postponing sale date of loans due to bankruptcy, loss mitigation, Work-out, loan modification, etc
- Sending/receiving intercoms via LPS from attorney for steps and procedures of the foreclosure process
- Perform research to identify utilities and HOAs; make payments and transfer accounts
- Conducting various types of internal audit reviews on mortgage loans for quality procedures and Internal Audit Rating
- Monitoring sales results from foreclosure sales and updating monthly foreclosure calendar with results.
Education
Associate Degree - Automotive Engineering
Tarrant County College
High School Diploma - undefined
Amon Carter Riverside High School
Skills
- Excellent people skills
- Superior problem-solving skills
- Strong analytical skills
- Detail-oriented
- Self-motivated
- Strong work ethic
- Communication
Timeline
Foreclosure Specialist II
Rushmore Loan Management Services
09.2022 - 01.2023
Foreclosure Specialist
PHH/Ocwen Financial
02.2022 - 08.2022
Foreclosure Specialist II
Mr Cooper/Nationstar Mortgage
11.2015 - 02.2022
Foreclosure Specialist/Trial Witness
BSI Financial Services
02.2015 - 11.2015
Foreclosure Specialist & HE Risk
Green Tree Servicing
12.2013 - 02.2015
Foreclosure Specialist/Mortgage Process Control Specialist
Bank of America Mortgage
07.2011 - 11.2013
Associate Degree - Automotive Engineering
Tarrant County College
High School Diploma - undefined
Amon Carter Riverside High School
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