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Built for Complexity. Focused on Outcomes. Built for Complexity. Focused on Outcomes.
VRM Mortgage Services delivers tailored solutions that support portfolio performance throughout the loan lifecycle. Since 2006, we have helped financial institutions and organizations manage REO assets with a focus on efficiency, visibility, and results. From field services to title coordination, our integrated approach helps streamline operations and improve outcomes. With more than 800,000 properties listed, marketed, and sold, VRM brings proven experience and a nationwide network of licensed subcontractors. Our proprietary technology and structured processes enhance communication, strengthen oversight, and support consistent execution. We continue to evolve to meet changing industry demands across pre-default, default, and asset disposition. WHO WE ARE Performance Focused Structured oversight, reporting, and quality control embedded in every transaction. Continuous Improvement Ongoing evaluation to improve efficiency and outcomes. Client-Centric Approach Aligned to your objectives, priorities, and reporting needs. Risk & Compliance Strength Independent audit, QC teams, and SOC 1 compliance support accountability.
Keith Murray President and CEOKeith Murray is the Founder and CEO of VRM Mortgage Services, where he has led the company’s growth into a trusted, nationwide provider of mortgage servicing solutions since its founding in 2006. With extensive experience in real estate and valuation, he has helped shape VRM’s client-focused, performance-driven approach and long-standing reputation in the industry. OUR PEOPLE Tiffany Fletcher Chief Operating OfficerTiffany Fletcher is a financial services executive with over 25 years of experience in mortgage lending, property management, and mortgage default servicing. She is a strategic leader known for enhancing performance, transforming operations, ensuring compliance, reducing costs, and building high-performing teams. Tiffany combines strong leadership with industry expertise to achieve measurable results and drive sustainable growth. Helen Harsono Marlatt Interim Chief Financial OfficerHelen Marlatt is the Interim Chief Financial Officer at VRM Mortgage Services, with over 20 years of experience in corporate finance and accounting. She has led financial reporting, budgeting, and internal controls while driving automation and system integration. Holding an MBA in Finance, she is known for her analytical skills and ability to enhance financial processes that boost organizational performance.Dawn Haghighi Registered In-House Counsel (General Counsel)Joe Morrow SVP, OperationsCaleb Johnson SVP, ITDr. Phyllis Wright SVP, Human ResourcesLeigh Gibson VP, Strategic Initiatives | PMOBrad Blancett VP, OperationsJane Larkin VP, Strategic InitiativesMicole Booker VP, Mortgage Default ServicesSteven Roark VP, Portfolio Servicing OversightAdrian Terry VP, Strategic Initiatives
Customer Focus We aspire to be a leading provider of innovative real estate solutions, consistently delivering forward-thinking capabilities that set new benchmarks and redefine industry standards. Vision PCV | VRM Seeds of Hope, a 501(c)(3) entity, embodies VRM's dedication to fostering communities through strategic partnerships, volunteer efforts, and sustainable impact. These initiatives have enabled Seeds of Hope to raise and distribute substantial funds to support veterans and related organizations. Philanthropy and Corporate Responsibility Values Integrity & Honesty Community Quality & Operational Excellence Leadership Results-Oriented Accountability WHAT WE VALUE VRM is dedicated to providing the highest quality of real estate solutions through: Mission Our People To be recognized as a great place to work where integrity and innovation are encouraged, Our Customers To provide world-class service and partnerships to our customers, Our Perspective Valuing the uniqueness in each individual without diminishing anyone, and Our World To be socially responsible members of the communities where we live and work.
Built for Scale. Proven Over Time.EXPERIENCE2006Founded to support REO asset coordination Expanded into full lifecycle mortgage solutions Supported hundreds of thousands of assets nationwide2026Strengthened by long- tenured talent and institutional expertise 8.5 Average tenure at VRM 30+ Years of financial services experience across leadership 24+ Years in real estate sales across the Asset Management team
EXPERIENCED. STABLE. PROVEN.Experience you can trust. Execution you can rely on.
LOAN LIFECYCLEProperty AuctionsAsset Management ORIGINATIONField ServicesCustomer ServiceClosing & Title Coordination Services AFFILIATES REOVALUATIONS PRE-SALE DEFAULT MANAGEMENTWHAT WE DO VRM Mortgage Services provides a full range of solutions for the entire loan lifecycle, including servicing, default management, and REO. We collaborate with affiliates and independent contractors to offer support at every stage while prioritizing operational efficiency, quality assurance, and a strong local market focus. Solution Landscape Solution Snapshot Pre-Sale Asset Management & Disposition Readiness VRM Mortgage Services provides comprehensive pre-sale asset management solutions designed to protect asset value, reduce operational risk, and support successful disposition strategies. Through inspections, occupancy monitoring, auction, property preservation, vendor oversight, and compliance management, VRM delivers actionable insights that help clients make informed disposition decisions throughout the default lifecycle. Property Inspections / Preservation VRM Mortgage Services delivers a proactive, data-driven approach to monitoring property condition and occupancy throughout the default lifecycle. By combining timely field intelligence with disciplined operational execution, we ensure assets are actively managed, risk is identified early, and servicing decisions are informed by accurate, real-time data. Client Impact Provide ongoing monitoring throughout the default lifecycle Actionable insight regarding property condition, occupancy, risk, and disposition readiness. Client Impact Early issue detection to reduce servicing risk Stronger compliance with investor and regulatory standards Clearer asset visibility for improved decision-making Reduced loss severity through timely action Greater efficiency through standardized inspections
WHAT WE DO REO Disposition - Accelerate Recovery with Scalable Execution VRM Mortgage Services provides a high- performance REO disposition platform designed to drive speed, transparency, and recovery optimization across portfolios of any size. Our structured approach ensures consistency while allowing flexibility based on asset performance and market conditions. Commercial - Specialized Strategies for Complex Assets VRM Mortgage Services brings targeted expertise to commercial asset management, recognizing the complexity, variability, and extended lifecycle of these properties. Our tailored approach balances risk mitigation with value optimization to support portfolio-level decision-making. Client Impact Faster liquidation timelines Improved net recovery outcomes Consistent executionat scale Real-time performance insight and reporting Client Impact Enhanced visibility into asset performance Reduced holding costs and risk exposure More informed disposition strategies Optimized outcomes for complex assets Coverage across all U.S. States & Territories, including Guam, Puerto Rico, U.S. Virgin Islands, America Samoa, Mariana Islands, and more—leveraging high-performing local vendors supported by proprietary assignment technology. Nationwide Vendor Network Comprehensive Service Coverage Broker/Agent Legal Services Settlement Services Field Services Origination Services Valuation Services Performance & Risk Oversight Custom scorecards and KPI tracking Ongoing SLA monitoring and reporting Performance evaluations and trend analysis Risk-based due diligence and contract oversight Solution Snapshot
Our component-based approach delivers end-to-end services and targeted support where it is needed most, ensuring alignment with your operating model and objectives. Built Around Your Needs We evaluate your environment and recommend the approach best aligned to your goals, whether that means utilizing our proprietary platform or integrating with other third-party systems. We leverage data and analytics to deliver clear visibility, performance tracking, and actionable insights across your portfolio. A Solution-First Approach Proven ability to manage large and complex portfolios with consistent performance and disciplined execution. Operational Depth and Efficiency Disciplined processes, strong quality control, and consistent audit outcomes help mitigate operational and regulatory risk. End-to-End Compliance, Quality Control & Audit Oversight Innovation, advanced technology, strengthened by ongoing investment in automation, process improvement, and the adaptability needed to respond to evolving business demands. Innovation & Technology We are committed to community stabilization by working with trusted local vendors and approaching each property with the same level of integrity and care. Through PCV | VRM Seeds of Hope and our broader initiatives, we focus on strengthening neighborhoods and fostering positive, long-term impact. Local Engagement, Lasting Impact WHY WE ARE DIFFERENT
RESULTS Portfolio scaled approximately 483% within one year Typically no audit findings across portfolio RESULTS Volume increased by 600% in less than 4 months Maintained 99%+ quality performance against service benchmarks PERFORMANCE IN ACTION Designed to adapt quickly to shifts in volume driven by external market forces. Managing Large-Scale Portfolio Growth Challenge Rapid growth in portfolio volume introduced operational complexity, compliance risk, and increased performance expectations. Solution VRM expanded operational capacity, enhanced reporting transparency, and maintained disciplined workflows across all service lines. Reliable portfolio oversight at scale with consistent compliance performance and improved operational visibility. Rapid Inspection Scaling for a National Servicer Challenge A major servicing client required rapid expansion of inspection operations to support increased volume. Solution VRM scaled field operations, optimized workflows, and improved reporting and tracking capabilities. Scalable field operations with consistent service quality and improved execution speed.
“Our focus is simple. Deliver consistent results, maintain disciplined execution, and provide our clients with clear visibility into their portfolios. Every solution we develop and refine is designed to optimize performance for our clients while strengthening and stabilizing the communities where we work and live.”Tiffany Fletcher Chief Operating Officer
vrmco.com 4100 International Parkway Suite 1000 Carrollton, Texas 75007 info@vrmco.com (855) 843-8334