Todd Karazim
Todd Karazim
- Mortgage Regulatory
Biography
Todd prides himself on being a valued strategic business partner to mortgage servicers and lenders. He has vast experience with each, including servicers’ in-house and subservicing platforms and lenders’ consumer direct, digital, correspondent, retail, and wholesale divisions.
Todd routinely advises on multi-state compliance matters involving mortgage lending, servicing, and debt collection, including technology and licensing matters. He has worked with a variety of trade groups, including the Mortgage Bankers Association, as well as state legislatures in submitting industry comment letters covering a variety of areas, including debt collection, Property Assessed Clean Energy, junior mortgage requirements, and loss mitigation programs.
He has also assisted in reviewing and streamlining a variety of agreements and disclosures as part of the mortgage lending and servicing businesses. He works with business partners in reviewing policies, procedures, and practices to fit business needs and regulatory requirements, including TILA, RESPA, SCRA, GLBA, vendor selection/oversight/due diligence, remote online notarization/eClosings, and a variety of state requirements.
Fun Facts
Favorite Apps
Health and fitness apps
Amazon
Chick-fil-A
Starbucks
YouTube TV
Superpower
Project planning for family Disneyworld vacations
Favorite Thing to Binge Watch
Sports
Passions
My family and Michigan football
Previous Experience
Offit Kurman, P.A.
Distinctions
Mortgage Bankers Association Certified Mortgage Servicer, 2015-Present
Notes Editor, Michigan State University Law Review, 2010-11
Thought Leadership
Presenter and organizer, Pandemic Technology for the Legal Practice CLE, Toledo Bar Association
Presenter, E-Discovery Primer CLE, Toledo Bar Association
Professional and Community Activities
Member of the Loan Administration Committee, Mortgage Bankers Association, 2015-Present
Vice-chairman to a mortgage lender’s advisory board, 2016-18
Secretary to a mortgage lender’s advisory board, 2015-16
Chair, Technology Committee, Toledo Bar Association
Past-Secretary, Technology Committee, Toledo Bar Association
Real Property Committee Member, Ohio State Bar Association
Volunteer cross country, soccer, and wee pee baseball coach, St. Joan of Arc School
Education
J.D., cum laude, Michigan State University College of Law
B.A., University of Michigan
Admissions
District of Columbia
Ohio
U.S. District Court for the Northern District of Ohio
Featured Publications
