Real Estate & Mortgage Technology
Property tax processing, title insurance systems, mortgage origination platforms, and proptech modernization — from an enterprise architect with four years inside the second-largest property tax processor in the United States and deep experience at the world's largest title insurer.
Real estate and mortgage technology combines property data, financial services compliance, and operational complexity in ways few other industries match. The organizations that process title, tax, and mortgage transactions at scale have built technology systems over decades — systems that now require modernization, architectural governance, and leadership that understands both the domain and the technology.
- $18B annual disbursement volume
- 4-year engagement
- $20M modernization program
- 30+ developers
- World's largest title insurer
- $4TB SQL Server database
- 770 applications, 900 engineers
- $100M acquisition review
- Digital mortgage origination
- Point-of-sale platform design
- Loan officer tooling architecture
$18 billion in annual tax volume, one modernization program
LERETA is the second-largest property tax processor in the United States, handling $18 billion in annual tax disbursement volume for mortgage servicers, banks, and credit unions nationwide. The four-year engagement as Senior Enterprise Architect encompassed a $20M modernization program: legacy system rationalization, new platform architecture, integration redesign, and technical leadership across a team of 30+ developers based in Pomona, CA.
Property tax processing is operationally unforgiving — tax deadlines do not move, penalties accrue on missed payments, and errors affect mortgage escrow accounts at scale. Architectural decisions in this environment carry direct financial and reputational consequences. That operational context shapes how modernization programs are structured and sequenced.
Title insurance architecture at the world's largest title company
First American Financial was the world's largest title insurance company during the engagement — a Fortune 500 conglomerate with 15+ subsidiaries, 770 applications, 900 engineers, and a $4TB SQL Server database containing property records covering over 100 million US properties. The Senior Enterprise Architect role covered enterprise architecture standards, system rationalization, and the M&A technical due diligence work that evaluated nine-figure acquisition targets.
One independent technology review at First American led the company to walk away from a roughly $100 million acquisition. The avoided integration work, which would not have produced sufficient ROI, would have cost millions over three years. This is what rigorous technical due diligence looks like when applied to real estate technology acquisitions.
Title insurance web application
Multiple legacy Windows desktop applications consolidated into a single unified web platform — personally designed and built for title agent workflows at the world's largest title insurer.
Real estate & mortgage technology capabilities
Property Tax Systems
Tax service, escrow impound, and property tax processing platforms — built and modernized at scale. $18B annual processing volume, 30+ developers, and a $20M modernization program at LERETA provide direct pattern recognition for this domain.
Title & Escrow Technology
Enterprise architecture for title insurance operations, escrow processing, and the complex data systems that underpin property ownership records. Experience from the world's largest title insurer — First American Financial — across 770 applications and 900 engineers.
Mortgage Origination Platforms
Digital mortgage origination architecture, loan officer tooling, and point-of-sale platform design. Advisory work with CloudVirga (digital mortgage origination, Irvine) within the broader Kelley Blue Book parent ecosystem.
Property Data Architecture
Large-scale property data systems: $4TB SQL Server databases, 100M+ US property records, integration with county assessor feeds, MLS data, and the data quality infrastructure that title and tax operations depend on.
Legacy Modernization Programs
Structured modernization of aging real estate and mortgage technology stacks — architecture assessment, phased migration planning, and program leadership for multi-year transformations. The $20M LERETA program is the reference engagement.
M&A Technical Due Diligence
Independent technology review of proptech, mortgage tech, and real estate acquisitions. Experience evaluating nine-figure transactions at First American Title — where a single independent review changed a $100M acquisition decision.
The intellectual capacity and technical maturity of Shawn Livermore exceeded expectations.
Where AI creates measurable value in property and lending operations
Real estate and mortgage operations generate enormous volumes of structured and unstructured data — property records, title documents, mortgage applications, appraisals, tax bills, and lien searches. AI applied to this data creates concrete operational results: document intelligence for mortgage processing, automated valuation model inputs, title search pattern recognition, and property tax discrepancy identification at scale.
The Fractional CAIO engagement in this space targets specific operational pain points through AI strategy, model selection and evaluation against domain-specific data, and the integration architecture that connects AI outputs to existing mortgage and title platforms. The goal is not AI for its own sake — it is measurable reduction in processing time, error rates, or operational cost.
Oakwood Worldwide, the global furnished housing company ($200M+ revenue), represents another reference engagement in this property vertical — 80+ application integrations coordinated via BizTalk from Santa Monica, CA. The breadth of the real estate and property technology portfolio is distinctive. Let's discuss your situation.
Before the conversation — score your mortgage operation for AI.
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Take the assessment →Real estate technology leadership, available fractionally
Four years inside the second-largest US property tax processor, deep experience at the world's largest title insurer, and mortgage origination platform advisory — available without a full-time executive commitment.
