About Us

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Mortgage origination and servicing has never been easy. The complexity of new rules and regulations as well as the Consumer Financial Protection Bureau as a “data driven” organization committed to coordinating their efforts with other government agencies is forcing the mortgage industry to revamp and overhaul their operations to survive in the newly regulated environment.

Our idea was born from the lack of quality tools available to help the mortgage industry respond to compliance and regulatory pressures. If those same tools could also expand knowledge within a company on their own operations, as well as benchmark against its peers – well, that would make it even better.

It is. It is much better.

This is our team:

David K. Moffat, President and CEO

Email David at david@mortgagetrueview.com

David Moffat

David has developed his financial services accounting, information management, and consultative expertise over the course of more than two decades, holding senior positions at, and providing professional services and solutions to, some of the largest, most respected financial services firms in the world.

David’s professional experience includes GCom2 Solutions where he served as President and Chief Operating Officer. In this role David led the development and distribution of a suite of financial, tax, and regulatory reporting products and services. GCom defined and dominated the market for innovate regulatory compliance solutions, accounting for more than 50% of the US Market and approximately 20% of the European Market.

During his career, David also served as the Vice President and Group Head, Mutual Fund Accounting and Administration Services at The Bank of New York, the Manager of Investment Operations at Pioneering Management Corporation, and as a fund director at Fidelity Management & Research Company. David started his career with Arthur Andersen.

David received a Masters of Professional Accountancy from the University of Utah Graduate School of Business and a Bachelors of Art in Accounting from the University of Utah.


Becky Walzak

Email Becky at becky@mortgagetrueview.com


Rebecca Walzak is an expert in loan quality assurance and risk management, with more than 30 years of experience in the financial services industry. She served as the 1996 Chairman of the MBA Quality Assurance Committee. Walzak is a frequent lecturer at Mortgage Bankers and Brokers conferences, has taught the Quality Control course in MBA’s School of Mortgage Banking and authored articles on quality control and risk management for several industry publications.

Her experience includes serving as Vice President of Quality Control for Chase Manhattan Mortgage Corporation, a position Walzak assumed after four years directing the Quality Control/Risk Management operations for Prudential Home Mortgage Company. In these positions she developed and implemented leading edge Quality Control and Operational Risk assessment tools and processes that encompassed the origination, servicing, fraud prevention, early payment default, repurchase and branch analysis functions. She also served as co-chairman of the Chase Risk Management Committee.

Ms. Walzak received a B.S. degree from Indiana University of Pennsylvania, a Masters in Business Administration from University College, University of Maryland and her Quality Manager Certification from George Washington University in Washington, D.C. She is currently a member of the Mortgage Banker’s Association of America, ASQ and the Risk Management Association.


Richard Hornaday

Email Richard at Richard@mortgagetrueview.com

Richard Hornaday

Richard is an experienced financial executive, with over 25 years of experience in the mortgage, financial and real estate industries. During his career, he has served as an executive, manager, and consultant to a number of mortgage lenders, banks, and government agencies and receiverships, primarily in the Asset Management and Compliance areas.

Prior to joining Mortgage TrueView, Richard served as a consultant to a variety of financial institutions regarding portfolios of performing and non-performing residential, commercial, and consumer loans. Richard has also served as President and Owner of a mortgage company and Vice President and Senior Vice President of a variety of operational groups in the mortgage and banking industry, including servicing, compliance, post-closing quality control, licensing and management of real estate owned portfolios. His management experience includes companies ranging from sub-prime lenders and regional banks to national mortgage servicers to G. E. Capital Corporation.

He has a Bachelor of Arts Degree from University of North Carolina and completed the GE Management Development Program.


Tom Engebretsen

Email Tom at tom@mortgagetrueview.com

Tom Engebretsen

Tom has 25 years of progressive corporate finance and IT experience, including ten years at the RTC/FDIC. As the sixth employee at the Resolution Trust Corporation, Tom worked with the bidding and disposition of $45B in Texas S&L institutions, developed the first REO database, and help establish the loan servicing oversight program which securitized $80B in loan assets. While at the FDIC, Tom acted as the National Coordinator for Loan Servicing Oversight and spent over a year working with statisticians calculating what seemed to be the world’s most complex loan loss reserve calculation. As a co-founder of Valsimmon Technologies, Tom ventured into software development while successfully raising nearly $1M in seed capital from Asian investors. Trained at George Washington University’s graduate school of business management, Tom left government to the wildcat telecom sector, spending nearly $1B in capital building over 1M SF of IT Hosting facilities and related IT product support for Qwest (now CenturyLink), the nation’s third largest telecom provider. Tom continued his IT management and software development expertise as an IT PMO director and Systems/QA Director supporting a proprietary SaaS software solution while working for one of Alaska’s largest native development corporations (NANA).


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