Safeguard Properties

FHFA Foreclosure Prevention Report – August 2015

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Investor Update
November 5, 2015

?August 2015 Highlights

The Enterprises’ Foreclosure Prevention Actions:

  • The Enterprises completed 17,806 foreclosure prevention actions in August 2015, bringing the total to 3,578,227 since the start of the conservatorships in September 2008. Over half of these actions have been permanent loan modifications.
  • There were 11,382 permanent loan modifications in August, bringing the total to 1,857,562 since the start of conservatorships.
  • The share of modifications with principal forbearance increased slightly to 19 percent. Modifications with extend-term only accounted for 47 percent of modifications in August due to improved house prices and a declining HAMP eligible population.
  • There were 2,892 short sales and deeds-in-lieu completed in August, down 7 percent compared with July.

The Enterprises’ Mortgage Performance:

  • The serious delinquency rate decreased slightly from 1.57 percent at the end of July to 1.56 percent at the end of August.

The Enterprises’ Foreclosures:

  • Third-party and foreclosure sales decreased 8 percent in August to 8,530, from 9,316 in July.
  • Foreclosure starts increased 29 percent in August to 25,121, from 19,481 in July.??

Attachments: Foreclosure Prevention Report – August 2015

Source: FHFA

FHFA: Final Amendments to Stress Testing Rule

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Investor Update
November 24, 2015

SUMMARY: The Federal Housing Finance Agency (FHFA) is adopting a final rule amending its stress testing rule adopted in 2013 to implement section 165(i) of the Dodd-Frank Wall Street Reform and Consumer Protection Act. FHFA received no comments to its proposed amendments, published for comment in an August 21, 2015 Notice of Proposed Rule. These amendments adopt the proposed amendments without change to modify: The start date of the stress test cycles from October 1 of a calendar year to January 1 of the following calendar year; the dates for FHFA to issue scenarios for the upcoming cycle; the dates for the regulated entities to report the results of their stress tests to FHFA; and the dates for the regulated entities to publicly disclose a summary of their stress test results for the severely adverse scenario. These amendments align FHFA’s rule with rules adopted by other financial institution regulators that implement the Dodd-Frank stress testing requirements.

The final rule is effective January 1, 2016.

Source: FHFA

FHFA Announces Expansion of Neighborhood Stabilization Initiative

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Investor Update
November 10, 2015

Washington, DC – The Federal Housing Finance Agency (FHFA) today announced an expansion of the Neighborhood Stabilization Initiative (NSI) to 18 additional metropolitan areas around the country. Effective December 1, local community organizations will be given the opportunity to review and purchase foreclosed properties owned by Fannie Mae or Freddie Mac in these 18 additional metropolitan areas prior to these properties being made publicly available for purchase. Sales prices will vary from market to market.

NSI was jointly developed by FHFA, Fannie Mae and Freddie Mac and involves a partnership with Fannie Mae and Freddie Mac and the National Community Stabilization Trust (NCST)?. The pilot, launched initially in Detroit, Michigan in May 2014, was extended earlier this year to Cook County, Illinois. Based on the lessons learned from the pilot, Fannie Mae and Freddie Mac will continue their work with NCST to focus on disposition of real estate owned (REO) properties in ways that place a priority on stabilizing neighborhoods.

“The number of REO properties that Fannie Mae and Freddie Mac hold continues to decline nationwide, but there are still some communities in which the number of REO properties remains elevated,” said FHFA Director Melvin L. Watt. “Our goal is to take what we learned in Detroit and Chicago and apply it to these additional communities as quickly and efficiently as possible. Giving local community buyers an exclusive opportunity to purchase these properties at a discount, taking into account expenses saved through a quicker sale, is an effective way to give control back to local communities and residents who have a vested interest in stabilizing their neighborhoods,” Watt said.

The 18 metropolitan areas designated for NSI expansion include:

  • Akron, OH;
  • Atlanta-Sandy Springs-Roswell, GA;
  • Baltimore-Columbia-Towson, MD;
  • Chicago-Naperville-Elgin, IL;
  • Cincinnati, OH-KY-IN;
  • Cleveland-Elyria, OH;
  • Columbus, OH;
  • Dayton, OH;
  • Detroit-Warren-Dearborn, MI;
  • Jacksonville, FL;
  • Miami-Fort Lauderdale-West Palm Beach, FL;
  • New York-Newark-Jersey City, NY-NJ-PA;
  • Orlando-Kissimmee-Sanford, FL;
  • Philadelphia-Camden-Wilmington, PA-NJ-DE;
  • Pittsburgh, PA;
  • St. Louis, MO;
  • Tampa-St. Petersburg-Clearwater, FL, and
  • Toledo, OH

These markets are Metropolitan Statistical Areas in which Fannie Mae and Freddie Mac each had at least 100 REO properties valued at less than $75,000. An interactive map?, available on FHFA.gov, provides more detail about each of these metropolitan areas.

For more information about becoming an NCST community buyer, please contact NCST at newbuyer@stabilizationtrust.com?.

Link to Fact Sheet?

Contacts:
Media: Corinne Russell (202) 649-3032 / Stefanie Johnson (202) 649-3030
Consumers: Consumer Communications or (202) 649-3811?

Source: FHFA

Feds Set Deadline to Claim Independent Foreclosure Review Relief Funds

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Investor Update
November 19, 2015

Unclaimed money will go to those who already received funds

The clock is now ticking for borrowers eligible for payment under the Independent Foreclosure Review Payment Agreements who have not yet cashed or deposited their check, and if they don’t act soon, their money is going to borrowers who already cashed their checks.
 
The Federal Reserve Board announced Thursday that borrowers who have not cashed their check have until Dec. 31, 2015 to request a replacement check.

Those borrowers then have until March 31, 2016 to cash their new checks.
 
If there are still any remaining funds left over after March 31, 2016, the Federal Reserve said that it will direct the paying agent, Rust Consulting, to redistribute the funds to borrowers who have already cashed their checks.
 
“The Federal Reserve intends to distribute the maximum amount of funds to borrowers affected by deficient servicing and foreclosure practices,” the Fed said in a statement.
 
According to the Fed, the Independent Foreclosure Review Payment Agreement, overseen by the Federal Reserve and the Office of the Comptroller of the Currency, provided $3.9 billion for borrowers of 13 servicers whose homes were in any stage of the foreclosure process in 2009 or 2010.
 
The affected borrowers’ mortgages were serviced by one of the following companies, their affiliates, or subsidiaries:  Aurora, Bank of America, Citibank, Goldman Sachs, HSBC, JPMorgan Chase, MetLife Bank, Morgan Stanley, PNC, Sovereign, SunTrust, U.S. Bank, and Wells Fargo.
 
According to the Fed, as of Oct. 2015, more than $3.5 billion in relief checks had been cashed or deposited by eligible borrowers.
 
Borrowers of servicers regulated by the Federal Reserve have cashed or deposited checks with a value of $798 million as of mid-October, the Fed said.
 
According to the Fed, that amounts to approximately 91% of the total value of the payments issued to these borrowers.
 
In February of this year, the Fed sent out checks to borrowers for the third time, noting that there were approximately 800,000 foreclosed homeowners who were still missing out on $500 million in compensation.
 
Now, the Fed is giving borrowers one last chance to claim their money. If they don’t, their money will soon belong to someone else.
 
[Correction: A previous version of this article incorrectly noted that the Office of the Comptroller of the Currency was involved in the distribution of this round of checks. The article is now correct.]

Source: HousingWire

Fannie Mae Servicing Guide Announcement SVC-2015-14 Servicing Guide Updates

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Investor Update
November 25, 2015

Servicing Guide Updates

The Servicing Guide has been updated to include the following:

  • Updates to the STAR™ Program for 2016
  • Updates to the Remittance of Property (Hazard) Insurance Loss Proceeds for Short Sales
  • Updates to Pledge of Servicing Rights and Transfers of Interest in Servicing Compensation
  • Updates to Publication Placement Costs
  • Updates to Hawaii Foreclosure Fees
  • Updates to Timeline Requirements for HAMP Expanded “Pay for Performance” Incentive Notices
  • Updates to Servicing Requirements for Florida Acquired Properties
  • Updates to Early Delinquency Counseling Requirements
  • Updates to Reporting Requirements for Bankruptcy Cramdowns
  • Removal of the Borrower Notification Sample Letter Exhibit

Each of these updates is described below. The servicer must review each topic in the Servicing Guide in its entirety to gain a full understanding of the policy change(s).

Updates to the STAR Program for 2016

Servicing Guide A1-1-04, Evaluating a Servicer’s Performance has been updated to reflect 2016 STAR Program changes as follows:

  • removes reference to the bottom 25% as unacceptable performance in relation to the STARProgram, and
  • includes subservicers in the STAR Program.

Effective Date

Any servicer selected to participate in the STAR Program will be reviewed using the new STAR Programparameters beginning January 01, 2016.

Updates to the Remittance of Property (Hazard) Insurance Loss Proceeds for Short Sales

To make remittance requirements for all mortgage loan liquidations consistent, the Servicing Guide has been updated to reflect that the servicer must remit property (hazard) insurance loss proceeds for short sales at closing via CRS using remittance code 332.

As a result of this change, policies and requirements for remitting property (hazard) insurance loss proceeds in connection with a short sale, Mortgage Release™, or foreclosure sale have been consolidated in Servicing Guide B-5-01 from Servicing Guide E-4.4-01.

Updated Servicing Guide Topics

Effective Date

The servicer must implement this policy change immediately.

Updates to Pledge of Servicing Rights and Transfers of Interest in Servicing Compensation

Fannie Mae is updating policies and requirements regarding transfers of servicing income and pledge of servicing rights as follows:

  • The seller/servicer is permitted to pledge a transfer of interest in their servicing income as long as the seller/servicer obtains Fannie Mae’s prior written consent at least 30 days prior to the proposed effective date of the transaction.
  • Fannie Mae will permit the seller/servicer to enter into a pledge of servicing or a transfer of interest in servicing income provided that the purpose for the transaction is a purpose permitted by Fannie Mae. Fannie Mae has further clarified these permitted purposes.
  • Documents required for allowable transactions have been updated to include the Purchase and Sale, Security or Financing Agreement, and the Subordination of Interest Agreement.
  • Key terms of the Acknowledgment Agreement have been removed from the Servicing Guide with regard to obligations of the seller/servicer and the secured creditor to indemnify Fannie Mae. However, these indemnification provisions have not been removed from the Acknowledgment Agreement.
  • Clarify that the Acknowledgment Agreement or Subordination of Interest Agreement may limit the seller/servicer’s right to amend particular terms of the underlying transaction documentation without Fannie Mae’s prior consent.

Updated Servicing Guide Topics

Effective Date

The servicer is encouraged to implement these policy changes immediately; but must implement the changes by January 1, 2016.

Updates to Publication Placements Costs

The Servicing Guide has been updated to reflect that Fannie Mae will reimburse the servicer an allowable cost for foreclosure sale publication placement services in Alaska, Arizona, California, Nevada, Oregon, and Washington.

Updated Servicing Guide Topics

Effective Date

This policy change is effective for foreclosure referrals sent on or after December 1, 2015 in the aforementioned states.

Updates to Hawaii Foreclosure Fees

The Allowable Foreclosure Attorney Fees Exhibit has been updated to reflect a change to the maximum allowable foreclosure fee for Fannie Mae mortgage loans secured by properties located in Hawaii.

Effective Date

This policy change is effective for all matters referred to counsel for initiation of foreclosure proceedings on or after June 1, 2012 by the present or prior servicer, provided the matter is still active as of November 25, 2015. For purposes of this Announcement, the term “active” is defined as a foreclosure matter that has not yet gone to foreclosure sale or has not been concluded by some other event, such as a Mortgage Release, short sale, mortgage loan modification, payoff, or reinstatement.

Updates to Timeline Requirements for HAMP Expanded “Pay for Performance” Incentive Notices

To offer additional flexibilities in how the servicer complies with the HAMP expanded borrower “pay for performance” incentive notice requirements, the Servicing Guide has been updated to

  • authorize the servicer to
  • send notification of the potential for receipt of the Fannie Mae HAMP expanded borrower “pay for performance” incentive to a borrower in good standing at any time leading up to the 150th day before the fifth anniversary of the HAMP modification effective date; and
  • send no additional notices if the borrower returns an executed Real Estate Fraud Certification (Form 720) or U.S. Treasury Department’s “Dodd Frank Certification” after a prior notification;
  • require a follow up communication to an initial written notice of an option to re-amortize a Fannie Mae HAMP modification only if the borrower has not responded to the initial written notice; and
  • remove reference to certain dates no longer applicable with regards to the Fannie Mae HAMP expanded borrower “pay for performance” incentive notification and payment.

Updated Servicing Guide Topics

Effective Date

The servicer is authorized to implement these policy changes immediately.

Updates to Servicing Requirements for Florida Acquired Properties

Servicing Guide E-4.3-01, Managing the Property Post-Foreclosure Sale has been updated to remove the requirement that the servicer pay all future bills for HOA or co-op corporation assessments or fees for acquired properties located in the State of Florida with a foreclosure sale date on or after January 1, 2016 unless otherwise notified by Fannie Mae.

Reverse mortgage loans are not included in this change.

Effective Date

The servicer must implement this policy change for a property securing a mortgage loan liquidated through foreclosure in the State of Florida on or after January 1, 2016.

Updates to Early Delinquency Counseling Requirements

To simplify delinquent loan servicing for community lending mortgage loans, including Fannie Mae’s new HomeReady™ mortgage loan, the Servicing Guide has been updated to eliminate several unique requirements related to servicing such mortgage loans to include:

  • sending a specific welcome letter and Borrower Authorization Counseling form;
  • providing a payment reminder notification and a Borrower Solicitation Package at earlier dates than that required for other Fannie Mae mortgage loans; and
  • preparing a monthly status report of actions taken by third-party counselors.

The servicer must ensure appropriate authorizations are executed as required by applicable law and remain fully aware of and document the status or outcome of all counseling efforts a third-party agency takes for a specific case.

Updated Servicing Guide Topics

Effective Date

The servicer is encouraged to implement these policy changes immediately; but must implement them by April 1, 2016.

Changes to Reporting Requirements for Bankruptcy Cramdowns

Servicing Guide E-2.3-03, Handling Cramdowns of the Mortgage Debt has been updated to remove the requirement that the servicer contact Fannie Mae upon the completion of incremental milestones related to a cramdown within the servicer’s or law firm’s delegated authority. With this change, the servicer must only send the Bankruptcy Cramdown Template to etm_delmods@fanniemae.com once the cramdown has been confirmed.

If neither the servicer nor the law firm has been granted delegated authority to address a borrower’s request for a cramdown, the servicer must immediately report this as non-routine litigation to Fannie Mae’s Legal department by submitting a Non-Routine Litigation Form (Form 20).

Servicing Guide F-4-03, List of Contacts has been updated with the new email address for submitting the Bankruptcy Cramdown Template.

Effective Date

The servicer must implement this policy change by December 1, 2015.

Removal of the Borrower Notification Sample Letter Exhibit

The Borrower Notification Sample Letter is a letter sent by Fannie Mae and does not require any action by the servicer. Therefore, it has been retired as a Servicing Guide Exhibit from Fannie Mae’s website.

The servicer should contact its Servicing Consultant, Portfolio Manager, or Fannie Mae’s Credit Portfolio Management’s Servicer Support Center at 1-888-FANNIE5 (1-888-326-6435) with any questions regarding this Announcement.

Malloy Evans
Vice President
Credit Portfolio Management

Source: Fannie Mae

Fannie Mae: Servicing eNotes

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Investor Update
November 13, 2015

Servicing eNotes provides Servicers and Sub-Servicers many advantages to support a growing electronic lending marketplace. As lenders are focused on competitive advantage, operational efficiencies, and faster delivery to the secondary market, eMortgages are a viable solution. Servicing eNotes for your lender partners helps them achieve those goals.

Q&A
What is an eMortgage and/or eNote? A mortgage loan where the critical loan documentation, specifically the promissory note (called an eNote), is created, executed, transferred, and ultimately stored electronically.

Benefits and Features

  • Allows for quicker receipt of notes – instantly
  • Ensures accuracy of Note data and eliminates re-keying time and errors
  • More transparent and simpler identification and transfer of security interests
  • Eliminates lost original notes or unrecorded assignments
  • Reduces and/or eliminates shipping and storage costs
  • Servicing eNotes for Fannie Mae enables a seamless transition to a new servicer for MSR transfers
  • Connectivity to MERS® eRegistry provides complete access for the Servicer/Sub-Servicer to initiate changes
  • Immediate assignment of Servicer/Sub-Servicer on MERS® eRegistry during registration of the eNote
  • Assists in automating post-closing audit of eNote servicing data


Fannie Mae makes doing business easier through eNotes:

Fannie Mae supports our servicing partners who look to service eMortgages. eNotes enable efficient delivery and transfer of control while eliminating risks associated with paper notes.

  • SMARTDoc Format enables rigorous and standardized eligibility, compliance validation, and is recognized by all industry participants.
  • Unified system integration with MERS, Fannie Mae, Lender, Servicer, and Warehouse Banks.
  • Straightforward system-to-system testing and guided workflows.
  • The Guide to Delivering eMortgage Loans navigates Servicers through the process for servicing eNotes including step-by-step considerations.
  • An experienced eMortgage team is available to support your strategy and implementation of servicing eNotes.


For more Information go to FannieMae.com:
www.fanniemae.com/singlefamily/emortgage

Source: Fannie Mae

Fannie Mae: Servicer Expense Reimbursement Job Aid Updated

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Investor Update
November 12, 2015

The Servicer Expense Reimbursement Job Aid has been updated and posted to FannieMae.com. This Job Aid provides some operational instructions based on servicing policies. Specific updates to the Job Aid include:

  • Where to Submit an Expense Reimbursement Claim: This section has been updated to provide references to Appendix A – Most Frequently Used Line Items in BKFS LoanSphere™ Invoicing and Appendix B – Available Line Item Subcategories in BKFS LoanSphere Invoicing.
  • What to Submit for an Expense Reimbursement Claim: This section has been updated with clarification on acceptable supporting documentation for Hazard and Flood Insurance, and Taxes, Tax Penalties and Interest.
  • Q&As: HomeTracker® and LoanSphere Invoicing questions have been added and updated.
  • Appendices: This section has been added to include Appendix A – Most Frequently Used Line Items in BKFS LoanSphere Invoicing and Appendix B – Available Line Item Subcategories in BKFS LoanSphere Invoicing.


Servicer Expense Reimbursement Notification of Updates to LoanSphere Invoicing

Fannie Mae Expense Reimbursement will be consolidating the available expense reimbursement claim line item categories and subcategories in the Black Knight Financial Services LoanSphere Invoicing Application in Q1 2016. This update will streamline the claim line item choices in the application for improved consistency in submitting and processing expense reimbursement requests. 

A full listing of the claim line items that will be impacted is included in the Servicer Expense Reimbursement Job Aid. Additionally, a list of the most common Servicer expenses is available in the Job Aid. To ensure readiness, servicers must take necessary action to prepare their systems and processes for the line item updates. 

Reference the new documents for all expense subcategories available in BKFS LoanSphere Invoicing.

  • Appendix A – Most Frequently Used Line Items in BKFS LoanSphere Invoicing
  • Appendix B – Available Line Item Subcategoies in BKFS LoanSphere Invoicing

All new line items are currently available for use. Line item consolidation is targeted for implementation in February 2016. If you have any questions or concerns related to the LoanSphere Invoicing Line Item Consolidation project, please submit your inquiry to expensereimbursement_lineitemconsolidationproject@fanniemae.com.

Source: Fannie Mae

Fannie Mae: Property Inspection Types and Forms Tutorial

Posted on by Safeguard

Investor Update
November 9, 2015

This HFI OnDemand course will help enable you to:

Recognize when servicers must order a property inspection.
Identify the three inspection types used for all property inspections.
Recognize the circumstances under which each Inspection Type must be used.
Demonstrate how to correctly complete Form 30.
Determine if property inspection photographs are acceptable.

Source: Fannie Mae

Fannie Mae Introduces Streamlined Data, Information Portal

Posted on by Safeguard

Investor Update
November 20, 2015

Fannie Mae has introduced an improved online data portal, which users can customize to receive reports on loan servicing, pricing and other areas.

The Fannie Mae Connect portal was introduced Friday, centralizing databases from multiple reporting applications, the GSE said in an official release.

The new portal includes report categories for loan delivery, pricing and execution, loan servicing and underwriting.

The data is accessed by servicers and sellers of mortgage-backed securities, real estate asset management field services providers and other technology users.

Fannie Mae plans to retire a number of applications in February, as a result of newly introduced portal. Fannie Mae will eliminate the Remittance Update Report, Cash Remittance System Draft Notifications, DLRS Disbursement Notifications, MBS Guaranty Fee Draft Notifications and several additional report types.

Source: National Mortgage News

Additional Resource:
Fannie Mae Connect Web page

Fannie Mae: Extension of Enhanced Borrower Incentives for Mortgage Release

Posted on by Safeguard

Investor Update
November 18, 2015

Fannie Mae is providing servicers advance notice that the requirement for evaluation on or before Dec. 1, 2015 for the Mortgage Release enhanced borrower incentive is being eliminated. The enhanced borrower incentive for Mortgage Release will continue beyond Dec. 1 for all jurisdictions identified in Announcement SVC-2014-21 and in Servicing Guide section D2-3.3-02, specifically, Connecticut, Illinois, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, and the District of Columbia.

Source: Fannie Mae

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CEO

Alan Jaffa

Alan Jaffa is the Chief Executive Officer for Safeguard Properties, steering the company as the mortgage field services industry leader. He also serves on the board of advisors for SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Alan joined Safeguard in 1995, learning the business from the ground up. He was promoted to Chief Operating Officer in 2002, and was named CEO in May 2010. His hands-on experience has given him unique insights as a leader to innovate, improve and strengthen Safeguard’s processes to assure that the company adheres to the highest standards of quality and customer service.

Under Alan’s leadership, Safeguard has grown significantly with strategies that have included new and expanded services, technology investments that deliver higher quality and greater efficiency to clients, and strategic acquisitions. He takes a team approach to process improvement, involving staff at all levels of the organization to address issues, brainstorm solutions, and identify new and better ways to serve clients.

In 2008, Alan was recognized by Crain’s Cleveland Business in its annual “40-Under-40” profile of young leaders. He also was named a NEO Ernst & Young Entrepreneur Of The Year® Award finalist in 2013.

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Esq., General Counsel and EVP

Linda Erkkila

Linda Erkkila is the General Counsel and Executive Vice President for Safeguard Properties, with oversight of legal, human resources, training, and compliance. Linda’s broad scope of oversight covers regulatory issues that impact Safeguard’s operations, risk mitigation, strategic planning, human resources and training initiatives, compliance, insurance, litigation and claims management, and counsel related to mergers, acquisition and joint ventures.

Linda assures that Safeguard’s strategic initiatives align with its resources, leverage opportunities across the company, and contemplate compliance mandates. She has practiced law for 25 years and her experience, both as outside and in-house counsel, covers a wide range of corporate matters, including regulatory disclosure, corporate governance compliance, risk assessment, compensation and benefits, litigation management, and mergers and acquisitions.

Linda earned her JD at Cleveland-Marshall College of Law. She holds a degree in economics from Miami University and an MBA. Linda was previously named as both a “Woman of Influence” by HousingWire and as a “Leading Lady” by MReport.

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COO

Michael Greenbaum

Michael Greenbaum is the Chief Operating Officer of Safeguard Properties, where he has played a pivotal role since joining the company in July 2010. Initially brought on as Vice President of REO, Mike’s exceptional leadership and strategic vision quickly propelled him to Vice President of Operations in 2013, and ultimately to COO in 2015. Over his 14-year tenure at Safeguard, Mike has been instrumental in driving change and fostering innovation within the Property Preservation sector, consistently delivering excellence and becoming a trusted partner to clients and investors.

A distinguished graduate of the United States Military Academy at West Point, Mike earned a degree in Quantitative Economics. Following his graduation, he served in the U.S. Army’s Ordnance Branch, where he specialized in supply chain management. Before his tenure at Safeguard, Mike honed his expertise by managing global supply chains for 13 years, leveraging his military and civilian experience to lead with precision and efficacy.

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CFO

Joe Iafigliola

Joe Iafigliola is the Chief Financial Officer for Safeguard Properties. Joe is responsible for the Control, Quality Assurance, Business Development, Marketing, Accounting, and Information Security departments. At the core of his responsibilities is the drive to ensure that Safeguard’s focus remains rooted in Customer Service = Resolution. Through his executive leadership role, he actively supports SGPNOW.com, an on-demand service geared towards real estate and property management professionals as well as individual home owners in need of inspection and property preservation services. Joe is also an integral force behind Compliance Connections, a branch of Safeguard Properties that allows code enforcement professionals to report violations at properties that can then be addressed by the Safeguard vendor network. Compliance Connections also researches and shares vacant property ordinance information with Safeguard clients.

Joe has an MBA from The Weatherhead School of Management at Case Western Reserve University, is a Certified Management Accountant (CMA), and holds a bachelor’s degree from The Ohio State University’s Honors Accounting program.

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Business Development

Carrie Tackett

Business Development Safeguard Properties