Megan Dhar.

Mortgage & Lending Professional

Bridging real people and policy.

Over 15 years across nearly every stage of the loan lifecycle, from the first handshake with a homebuyer to the final payment on a mortgage.

FHA Underwriting Title Abstracting Loan Servicing & Collections

Megan Dhar, mortgage and lending professional
Detroit, MI Mortgage & Lending
15+Yearsacross the loan lifecycle
Servicing SpecialistNow at Rocket
  • FHA Underwriting
  • Title Abstracting
  • Loan Servicing
  • Collections
  • Risk Assessment
  • Public Records Research
  • Regulatory Compliance
  • Client Communication
  • Process Improvement
  • Data Analytics

15+

Years building expertise across the loan lifecycle

360°

View of secured and unsecured lending

3

Core mortgage functions: underwriting, title, and servicing

2

States licensed as a Realtor: Virginia and Tennessee

01 About

My path into mortgage finance wasn’t linear, and that’s exactly what makes my perspective valuable.

I began in customer service, sales, and marketing, where I learned to translate complex information into clear, actionable communication, a skill that remains central to everything I do. As a licensed Realtor in both Virginia and Tennessee, I saw firsthand how financing decisions shape every transaction, which drew me to the lender side, where I could influence outcomes at scale.

My move into finance added depth: I earned a Life Producer’s License, served as a client liaison at a financial advising firm, and sharpened my analytical skills at a CPA firm. Since entering mortgage operations I have worked across title abstracting and examination, FHA underwriting, and loan servicing. Today I am a Servicing Specialist at Rocket in Detroit.

I pair that with an analytical eye shaped by Google and IBM data analytics certifications and hands-on work in Python, SQL, and Excel. My degree in Russian Studies taught me to read closely, between the lines of language and policy alike.

FHA Underwriting Title Search & Abstracting Loan Servicing & Administration Collections & Delinquency Risk Assessment Regulatory Compliance Data Analytics (Python, SQL, Excel) B.A. Russian Studies

02 The full journey

From the first handshake to the final payment.

Every role I’ve held maps to a stage of the loan lifecycle. That end-to-end experience is rare, and it shapes the way I approach every file, every client, and every process.

  1. 01

    The handshake

    Client communication

    Customer service, sales, and marketing: turning complex products into clear, confident conversations.

    Volkswagen · DTE programs · 2006–2023

  2. 02

    The home

    Real estate

    Licensed Realtor in Virginia and Tennessee, seeing firsthand how financing decisions make or break a transaction.

    Keller Williams · 2024–2025

  3. 03

    The numbers

    Financial services

    A Life Producer’s License, client liaison work at a financial advising firm, and analytical work at a CPA firm.

    Risk · compliance · the human side of money

  4. 04

    The approval

    FHA underwriting

    Evaluating financial history and risk against investor guidelines and state and federal lending policy.

    United Wholesale Mortgage · 2025–2026

  5. 05

    The title

    Title abstracting

    Searching public records and analyzing deeds, liens, and judgments so ownership is clean and defensible.

    United Wholesale Mortgage · 2026

  6. 06

    The payments

    Servicing & collections

    Payment applications, arrangements, and payoffs, guiding borrowers with empathy and compliance.

    Rocket · 2026–now

03 Expertise

Operational expertise, regulatory knowledge, and a human-centered approach to lending.

FHA Underwriting

I evaluate applicants’ financial history and statements against FHA, investor, state, and federal guidelines, responsibly bringing qualified borrowers to the closing table.

  • Risk assessment
  • Investor guidelines
  • Broker & loan officer support

Title Abstracting

I search public records and analyze deeds, mortgages, liens, judgments, and easements so every transaction rests on a clean, defensible title.

  • Chain of title
  • Legal descriptions
  • Tax & foreclosure filings

Servicing & Collections

I resolve payment applications, arrangements, and payoffs, and work delinquent accounts with empathy and structure to reduce charge-offs and investor losses.

  • Payment arrangements
  • Loan payoffs
  • Delinquency management

Process & Data

I spot process gaps and drive automation and continuous improvement, backed by data analytics training and hands-on work in Python, SQL, and Excel.

  • Automation
  • Continuous improvement
  • Data analytics

04 Experience

A career that follows the loan from application to payoff.

  1. Servicing Specialist

    Rocket · Full-time

    Current

    Apr 2026 – Present Detroit, MI · Hybrid

    • Identify process gaps and drive automation and continuous improvement initiatives across business operations.
    • Manage inbound and outbound client communications by phone, email, text, and chat while ensuring regulatory compliance and leading with professionalism and empathy.
    • Resolve servicing concerns including payment applications, payment arrangements, and loan payoff processing, collaborating cross-functionally on effective client solutions.
    • Collect delinquent payments, negotiate arrangements, and draft collection correspondence to minimize charge-offs and reduce company and investor losses.
    • Consistently meet production goals and quality metrics while partnering with servicing teams to enhance the overall client experience.
    • Loan Servicing & Administration
    • Collections & Delinquency Management
  2. United Wholesale Mortgage

    Full-time · Pontiac, MI · On-site

    Operations Specialist II, Title Abstracting

    Mar 2026 – Apr 2026

    • Performed public records searches to produce detailed title reports and compile all supporting documentation.
    • Reviewed and analyzed title instruments, including deeds, mortgages, liens, judgments, and easements, to confirm ownership, validate legal descriptions, and flag potential concerns.
    • Investigated property tax records and associated filings, such as bankruptcies and foreclosures, to ensure a clear title history.
    • Title Search & Abstracting
    • Public Records Research

    Underwriter

    Dec 2025 – Mar 2026

    • Collected and evaluated applicants’ financial history and records to assess eligibility.
    • Conducted risk assessment reports and analyzed financial statements to identify viable alternatives.
    • Maintained and applied knowledge of investor guidelines and state and federal underwriting and lending policies, adapting quickly to policy changes.
    • Delivered exceptional service to internal and external clients, including mortgage loan officers and broker owners, while managing multiple priorities.
    • FHA Loan Underwriting
    • Risk Assessment & Analysis
  3. Licensed Real Estate Agent

    Keller Williams | Zach Taylor Real Estate · Self-employed

    Feb 2024 – Jun 2025 Middle Tennessee · Remote

    Guided clients through real estate transactions and saw firsthand how financing decisions shape every deal, the insight that led me to the lender side. Relocated to Metro Detroit in 2025.

  4. Professional Development

    Data Analytics · Career break

    Apr 2023 – Feb 2024 Spring Hill, TN

    Explored the world of data analytics, sharpened my coding and Excel skills, built projects, and completed two data analytics certifications.

  5. Gail & Rice

    Contract · 16 yrs 10 mos

    DTE Lead Brand Ambassador

    Jun 2013 – Jun 2023 Farmington Hills, MI · Remote

    Promoted DTE programs, including Renewables, Green Currents, and Energy Optimization, to DTE electric customers.

    • Problem Solving
    • Customer Contact

    Volkswagen Product Specialist

    Sep 2006 – Jun 2023

Licenses & learning

  • Realtor licensureVirginia & Tennessee
  • Life Producer’s LicenseInsurance & financial services
  • Data analytics certificationsGoogle & IBM
  • B.A., Russian StudiesEnglish & Russian

05 Off the clock

A lifelong love of cultures around the world. The food, the craft, the traditions.

When I am not deep in loan files, I am usually planning the next trip and soaking up a new culture. Right now, Japan has my heart. Most recently an autumn journey through Kyoto, Nara, Osaka, Mount Fuji, and Tokyo, chasing seasonal food, quiet craft, and temple illuminations. Wherever I go, I love finding the balance of precision and warmth that every culture holds, the same balance I try to bring to my work.

Autumn route through Japan: Kyoto, Nara, Osaka, Mount Fuji, Tokyo Kyoto Nara Osaka Mount Fuji Tokyo