Senior Counsel, Servicing

Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt. We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc., HousingWire, and more! In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie. Interested in joining us on our mission to make homeownership less stressful and more accessible? We’d love to talk.

Who you are

As Senior Counsel, Servicing, you'll serve as the primary legal advisor to our Investment Support and Servicing team, providing guidance to the team on the full servicing lifecycle: onboarding through to settlement at the end of the contract term and everything in between, including default management, foreclosure and bankruptcy, and real estate owned (REO). You'll report to the Chief Compliance Officer, who sits within the Legal team, and work with leaders across the business teams and the legal function.

This role is a great fit for an attorney with 5+ years of mortgage experience who can turn complex federal and state requirements into plain-language guidance that servicing operations can act on. You evaluate risk pragmatically, balancing growth and operational flexibility with protecting the organization rather than defaulting to caution. You are someone who enjoys operating with autonomy and is confident in making independent decisions, but also comfortable to escalate for support whenever needed. As a partner to our Investment Support team, you’ll have a meaningful impact on the work we do internally and to support our growing portfolio of homeowners.

What you'll do

• Serve as the primary legal point of contact for all Servicing matters throughout the entire HEI lifecycle, from origination through settlement
• Own the state-by-state regulatory analysis governing the servicing of HEIs, including the development of comprehensive regulatory matrices covering disclosures, statement, and notice requirements
• Partner with Capital Markets and Capital Legal teams to review Servicing and Asset Management Agreements with new capital partners, securitization deals, and subsequent amendments
• Select and manage the outside firms that handle foreclosure and bankruptcy filings, including due diligence, firm selection, and development and oversight of firm KPIs
• Collaborate with Marketing and Investment Support operations teams to review all homeowner communications and call center scripts
• Partner with Product, Design, and Engineering on system enhancements and feature releases to ensure compliance with existing law
• Build procedures, playbooks, and templates for the role and department, along with FAQs and resource documents that Servicing operations can use to self-serve
• Advise on bankruptcy escalations and questions, including proofs of claim, as well as tax delinquency and tax-sale matters
• Support other legal matters as needed, including advising on Privacy, Originations, and Secondary Market matters and regulatory requirements

What you bring

• J.D. from accredited law school and active bar membership in any U.S. jurisdiction in good standing
• 5+ years practicing mortgage law at a law firm, in-house, or both, including meaningful experience advising business operations on residential mortgage consumer finance transactions
• Working knowledge of consumer finance and mortgage regulations, including the Real Estate Settlement Procedures Act (RESPA) and Regulation X, the Truth in Lending Act (TILA) and Regulation Z, the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA) and Regulation B, the Gramm-Leach-Bliley Act (GLBA), unfair, deceptive, or abusive acts or practices (UDAAP), and the Servicemembers Civil Relief Act (SCRA)
• Ability to analyze complex regulations, assess how they apply to a new consumer financial product, and translate the requirements into plain-language guidance that is easily actionable by non-legal business teams
• Ability to partner with business and legal leaders and act as the trusted escalation point for operations teams
• Sound judgment, self-assurance in decision-making, and comfort communication directly with senior leadership across the organization
• Willingness to travel occasionally and Eastern time zone working hours preferred

Compensation and benefits

The base compensation range for this role is $190,000-$220,000, depending on your experience, skills, location, and other factors. You’ll also receive meaningful equity, so you can share in our growth and success. We offer generous medical, dental, and vision coverage, a work-from-home stipend, parental leave, and plenty of paid time off to recharge.