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Xome Blog

Where our team shares their insights and expertise.

Driving the Future with Standout Leadership

A Note from Xome CEO Rayman Mathoda

"Our goal at Xome is to bring our deep real estate resources to help our clients transform the way they help their clients buy or sell a home or get a mortgage. With solutions spanning the real estate and mortgage life cycles from home valuations, title and settlement services, property inspection and maintenance services, to online as well as agent supported property brokerage and transaction services, we deliver all the key elements which must work together seamlessly to transform the consumer experience and industry cost structure. The question is not “if” the mortgage and real estate sectors will need to provide an automated consumer-friendly instant and cost-effective experience (as many are already doing in online consumer retail businesses), the question is when it will happen and who will lead the way.

We know the key to helping our clients achieve their transformative vision is our people. As such, we’re excited to welcome the following proven leaders to our team!"

New Xome/Title365 Team Members

Terry Schappert

Chief Financial Officer and Head of Analytics, Xome

Terry Schappert joined Xome in April 2019, after spending 22 years with Bank of America in various progressive leadership roles in their card services, credit risk, compliance, and operational channels.  Most recently, he led the enterprise fraud division of Fifth Third Bank and assisted various firms as interim CFO through consulting engagements with the Garretson Resolution Group.  Terry leads the finance and accounting functions for Xome. Additionally, he leads Xome’s big data and analytics team, driving Xome’s day-to-day analytical approach and exploring solutions to address key unmet client and consumer needs using public and proprietary data across the loan and default lifecycles. 

Lisa Heitzmann

Head of Innovation and Chief of Staff, Xome

Lisa Heitzmann joins Xome from Wells Fargo Securities where she was head of Due Diligence for the Mortgage Banker Finance Group.  With 27 years in the mortgage industry, Lisa has held senior leadership roles in risk management, operations, and capital markets at Wells Fargo, Bank of America, and Indymac Bank.  In her role as Head of Innovation and Chief of Staff, Lisa will lead the charge driving innovation through technology and service capabilities that span the homeownership lifecycle – facilitating the buying/selling of homes and efficient loan origination and servicing.

Jay Isom

SVP, Title Production, Title365

“I was excited to join Title365 because I believe that they offer an intriguing value proposition to the mortgage industry. A national title agency of this scale, with strong underwriter relationships, and the ability to access unique data assets/technology through both the Xome enterprise and X1 Analytics allows Title365 to offer a broad spectrum of products through a highly efficient operational framework. I believe that these characteristics are a differentiator and extremely powerful when coupled with the quality of talent and experience which exists at all levels of the organization.”

Jay Isom joined the Xome/Title365 team in November 2018. In his new role, Isom leads the Title Production Group in support of various origination, default, and equity divisions of the Xome/Title365 enterprise. His primary focus is to ensure the timely delivery of quality title products to Title365’s clients through continual process improvement and technological innovation. Prior to joining Title365, Isom served as Vice President of Operations at WFG Lender Services. He has 20+ years of industry experience leading both title and closing operations for national title insurance agents and underwriters. Isom holds a BS in Business Management from WGU, is certified CompTIA Project+, and holds title and/or escrow licenses in over 30 states.

Kristen Estrella

SVP, Default and Purchase Operations, Title365

“Joining Title365 provides me with an incredible opportunity to be part of a team that will shape the future of how title is delivered.  I am thrilled to have the opportunity to bring my leadership and expertise to help grow our business and impact the industry.”

Kristen Estrella joined Xome/Title365 in April 2019 and brings extensive title experience that includes a proven track record of success with operational excellence and outstanding client experience.  Estrella will be responsible for overseeing all aspects of default and purchase operations.  She comes to us from First American where she held many leadership positions during her eighteen-year tenure.  Most recently she was SVP, Servicing Operations within Mortgage Solutions.

Recent Promotions at Xome/Title365

Joe Mowery

Chief Operating Officer, Title365

We continue to drive innovation and develop transformative solutions that position us to scale and optimize our business. The building of our leadership team is an example of the strategic investments we are making to enhance and accelerate the growth of Title365. Adding experienced and respected industry veterans like Jay and Kristen will ensure our solutions and execution will help our clients meet and exceed their objectives in this evolving mortgage industry.” 

Joe Mowery joined Xome/Title365 in March 2017 and was recently promoted to Chief Operating Officer. In his new role, Mowery will focus his expertise to drive performance and to build upon Title365's core value of innovation. Mowery is responsible for all aspects of strategy, operations, compliance, and sales. Mowery has a proven track record of growing strong relationships and developing powerful fulfillment teams in his experience at prior companies such as Lenders First Choice, First American National Lenders Advantage, and most recently LenderLive. Mowery's expertise within the mortgage industry is extensive with over 20+ years of service.

Kirby Hulbert 

SVP, Origination Services, Title365

“I am fortunate to be a part of a strong senior leadership group at Title365. These are exciting times, as we work together in a collaborative fashion to increase our service offerings to the industry. Beyond our leadership group, our team members are the core strength of our organization. They consistently deliver high quality results across our enterprise. I am privileged to be working with such a great group of people.”

Kirby Hulbert joined Xome/Title365 in 2013 as a leader during the inception of the company's national division. In his new role as Senior Vice President of Origination Services, Hulbert will be responsible for all curative, signing and closing operations for the origination services division. Hulbert has served in various leadership roles in both the national and retail areas of the title industry at companies such as LSI, Nations Title Agency, UST Global and Visionet Services. With his immense experience, Hulbert has developed a robust fulfillment methodology comprised of the staffing, processes, and technology required to effectively manage and deliver centralized end-to-end title and closing. As a 20+ year industry veteran, Hulbert leverages his experience to serve Title365 clients with enhanced workflow and exceptional service.