We are the partner of choice for servicing quality control and subservicer/servicer oversight solutions for the mortgage industry. With extensive experience in servicing quality control and servicing operational due diligence, we focus exclusively on managing servicing risk for our clients.
It is challenging for mortgage servicers to maintain compliance with the constantly changing guidelines. Investors, Warehouse Banks, Fannie Mae, Freddie Mac, HUD and the CFPB all require servicers to continually monitor and audit their servicing operations and/or subservicer.
Hello SQC! We deliver a best-in-class solution for constant monitoring and ensuring you have the tools to effectively gauge performance. We provide a comprehensive, independent and objective loan-level review of your servicing performance from loan boarding through final disposition and audit your servicing operations to ensure industry wide best practices are adhered to.
Our team consists of seasoned professionals with extensive background in loan servicing operations, master servicing, loan purchase auditing, repurchase reviews, insurance and property tax services, risk management, internal auditing, and compliance.
We help masterservicers:
- Protect their MSR value
- Provide continuous portfolio surveillance of regulatory compliance
- Identify systemic risks
- Mitigate costly penalties
- Strengthen the internal and external audit preparedness
- Assess the internal control environment
Mike is the President of MQMR and Subsequent QC, LLC (SQC), MQMR’s sister company dedicated to servicing and sub-servicing surveillance oversight, servicing audits, and servicing consulting. Mike sets the vision and direction of MQMR, SQC, and HQ Vendor Management.
Prior to founding MQMR, Mike began his career in the Countrywide training development program spending 12 months learning wholesale, retail, and all departments of correspondent lending. Mike spent five years with Bank of America Correspondent Lending serving mortgage banks, credit unions, and banks in the purchase of mortgage loans, assisting in the structure and approval of warehouse lines, loan pricing and trades, and loss mitigation negotiations.
Mike earned a B.S. in Business Administration and a B.A. in Spanish from Trinity University.
VP OF SALES
Dayna is an experienced operations and business development thought leader, specializing in the creation and implementation of new processes and technological solutions to meet strategic objectives and emerging market opportunities. As the Director of Strategic Initiatives, Dayna oversees the day-to-day responsibilities of advancing and enhancing MQMR’s process design improvements both internally and client impacting. As an expert in counterparty risk, Dayna was responsible for establishing MQMR’s vendor management platform, counterparty approval program, and has designed a number of custom service offerings to help MQMR’s clients solve complex problems. Prior to joining MQMR, Dayna worked for PennyMac’s Correspondent Lending Division as an operations team leader and project consultant where she led the coordination of projects and acted as intermediary between operations and programmers to successfully create new technology and systems.
Dayna is dedicated to continuous process improvement with a focus on creating tools and workflows that mitigate risk, secure compliance, increase operational efficiencies and reduce costs. Prior to PennyMac, Dayna worked at Bank of America/Merrill Lynch where she managed the conversion of 50+ mortgage companies from the Correspondent Lending banking portfolio to the Merrill Lynch banking portfolio.
She holds a BS in Business Administration and Marketing from the University of Arizona.
DIRECTOR OF SERVICING
Julie is the Director of Servicing and possesses extensive knowledge and experience with federal, state, and agency regulations & guidelines. She has a combined 25 years of mortgage experience, credit union lending, quality control, and management experience. As a student of management, Julie is adept in building relationships, establishing trust with staff members, mediating differences, and motivating others into action.
Prior to joining MQMR, Julie was the Director of Quality Control at Residential Credit Solutions, responsible for performing gap analysis in order to identify areas of significant risk, identify controls, and recommend cures in the servicing arena. Julie championed both onshore and offshore service teams with a specialized focus on providing world class service. She was also responsible for leading the quality and compliance training programs and lead the development and implementation of quality practices with regard to strategic planning and company initiatives.
“IRIS” MARIA ZAVALA
SERVICING QC TEAM LEAD
“Iris” Maria Zavala is a Servicing QC Team Lead for SQC. She has more than 14 years in the industry, including 7 years working for service providers supporting the mortgage servicing industry. At SQC, Iris is responsible for performing loan-level reviews of servicing portfolios, comparing activity and practices against FNMA, FHLMC, HUD, State and Federal guidelines and regulations.
Prior to joining SQC, Iris worked in property tax management for one of the largest tax servicers in the nation, Lereta, LLC, where she was responsible for the oversight of its principal client’s property tax activity in all U.S. territories. Prior to that, she worked in the Loan Servicing division of Residential Credit Solutions (f.k.a. Aames Home Loan), in the hazard insurance, loss drafts, and property taxes departments. Additionally, Iris worked at FIS Tax Services in providing training, conducting research, and disbursements of property taxes.
CHIEF OPERATING OFFICER
Stephen serves as the Chief Operating Officer of Mortgage Quality Management and Research, LLC (“MQMR”) and Subsequent QC, LLC (“SQC”), MQMR’s sister company dedicated to servicing QC, servicing/subservicer oversight, and general servicing advising. Stephen oversees the operations of the companies with a focus on continuous refinement of processes and systems to bring best-in-class services and deliverables to our clients. Prior to joining MQMR, Stephen founded Sherman Consulting, a firm dedicated to providing managerial coaching, risk assessment reviews and process improvement plans to mortgage related financial institutions and real estate firms nationwide. Stephen also co-founded Blueprint Asset Management, a service company to banks, investments firms of distressed mortgage portfolios and Wall Street trading firms providing a range of services leading to and including the liquidation of corporate-owned luxury properties.
Prior to creating companies of his own, Stephen formed and served as Chief Operating Officer of Green River Financial and Infinity Valuation Services, two sister companies of leading real estate service provider Green River Capital LC, a subsidiary of Radian Group, Inc. Over a career spanning 30 years, Stephen has worked in the industries of mortgage servicing, secondary marketing, warehouse lending, commercial real estate sales, corporate consulting and REO management services. When not serving in permanent roles, Stephen provided contracting services as an auditor in due diligence reviews to investors of bulk loan purchases.
SQC SPECIALITY SERVICES MANAGER
Lisa is the Manager for MQMR’s Specialty Services Division and possesses in-depth knowledge of and experience with federal, state, agency regulations and master servicer/sub servicer guidelines. She has 24 years of mortgage and chattel experience, including collections, bankruptcy, quality control and management. Lisa was also involved with the National Mortgage Settlement and Consumer Financial Protection Bureau processes and reviews. Lisa’s experience in the management arena, along with her experience with many varying entities makes her adept in building relationships, establishing trust, setting goals and timelines, mediating differences, and ensuring adherence as necessary.
Prior to joining MQMR, Lisa was the Manager of Quality Control at Ditech Financial, LLC. While at Ditech, Lisa was responsible for communications with federal entities regarding government sponsored enterprise loans as well as communications with multiple state agencies and master servicer organizations. Lisa’s responsibilities included collaboration with all business units, identification of issues occurring within the servicing system, creation of corrective action plans, and final review of the plans to ensure adherence. Lisa managed teams in the collections, bankruptcy, and data conversions groups prior to her time with the quality control group. These responsibilities required continuous review of priorities in order to ensure deliverable requirements were met while keeping company initiatives and strategic planning at the forefront.
CHIEF STRATEGY OFFICER
Jeff serves as the Vice President of Sales of Mortgage Quality Management and Research, LLC (“MQMR”) and Subsequent QC, LLC (“SQC”), MQMR’s sister company dedicated to servicing oversight and general servicing advisement. Jeff brings more than 10 years of mortgage compliance experience to MQMR, having served as both the Chief Financial Officer and Chief Executive Officer of Mortgage Compliance Advisors (MCA), which he founded in 2008. MCA was a residential mortgage outsource provider for quality control and risk management solutions with more than 400 clients. When MCA was acquired by MetaSource in 2014, Christensen worked with the executive team during the transition period before working with the Chief Revenue Officer on business development and client retention.
Prior to founding MCA, Christensen was a managing member of The Turin Group, where he worked as a consultant with clients in the residential lending, real estate appraisal and healthcare industries. Christensen also worked with Ivory Companies in Salt Lake City as the treasurer of Ivory Mortgage and the controller of Ivory Land Corporation and Ivory Development. Jeff holds a Bachelor of Arts in Accounting and a Master of Professional Accountancy from the University of Utah and worked as an accountant at Farley & Associates, Inc. and Ernst & Young, LLP.
VP OF PEOPLE OPS, HR
Courtney Pendino, SPHR, SHRM-SCP, holds the title of being MQMR's first Vice President of People Operations. Courtney oversees all aspects of human resource management, employee benefits and company culture. Courtney brings more than a decade of experience in human resources to MQMR. Courtney was an HR leader for two technology companies, an industry known for progressive and innovative employee benefits and programs, prior to joining MQMR.
Courtney has a Bachelor of Science from SUNY Brockport and a Master of Strategic Leadership degree from Roberts Wesleyan College. Courtney carries two HR designations which set her apart in her field, Senior Professional in Human Resources (SPHR) from the Human Resources Certificate Institute and a SHRM Senior Certified Professional (SHRM-SCP) from the Society of Human Resources.
Courtney is a New York native and works remote from her home in Rochester, NY. When Courtney is not working passionately to make MQMR a trend setter in the care of our team members, she is the busy raising three young boys. Other passions in Courtney's life are her two dogs, her house plants and coffee!