Why We Exist
For too long, the real estate process has been intentionally convoluted, creating confusion and helplessness across the board. We’re changing that—one transaction at a time.
An Honest Partner
Timios is the Greek word for “honest,” and that has guided everything we do since 2008. Our mission is simple: to provide an unparalleled real estate transaction experience for buyers, sellers, and professionals.
By empowering our customers through innovation, providing total transparency, and simplifying every step, we’ve revolutionized the process to give our customers the control they deserve. With over 500,000 transactions and $100 billion in total closings, we’re proud to say this approach has made Timios one of the fastest-growing title and settlement services companies in America.
Meet Our Team
Senior executives averaging 25+ years of experience each
Matthew Golden
CEO
Mr. Golden serves as CEO of Timios, Inc., bringing over two decades of experience across retail lending, default services, commercial lending, risk management, investor relations, and a broad range of banking and mortgage servicing roles. Prior to joining Timios, Mr. Golden held executive leadership positions at several top-tier industry firms, including First American Title Insurance Company and ServiceLink. At ServiceLink, he spearheaded the development of the industry’s largest loan modification production platform, which processed over 1 million transactions annually and became a benchmark for operational scalability and compliance in the default servicing space. Throughout his career, Mr. Golden has consistently delivered results by launching new business lines, expanding market share, and driving operational efficiencies. He led the successful integration of multiple servicing platforms, resulting in improved turnaround times and enhanced customer satisfaction. His strategic leadership has contributed to significant revenue growth and long-term client retention across diverse segments of the real estate ecosystem.
Brian Frye
President
Mr. Frye brings over 20 years of leadership experience in the mortgage services industry. He is known for providing customer-focused, scalable solutions that drive measurable results. His expertise includes revenue growth, workflow automation, strategic partnerships, and access to public markets. As a leader, Brian is collaborative, results-driven, and deeply committed to empowering teams. He emphasizes transparency, accountability, and continuous improvement, fostering a culture where innovation and execution go hand in hand. His approach blends strategic vision with hands-on engagement, ensuring alignment across departments and a relentless focus on delivering value to clients. Prior to leading Timios, Brian played a pivotal role in product development and sales across Mortgage Connect’s full suite of servicing solutions—including loss mitigation, default services, critical communications, and valuation. In his current role, Brian leads sales and strategy with a focus on delivering scalable solutions tailored to meet service-level requirements, improve operational efficiency, and enhance the consumer experience.
Theresa Alfiero
EVP, Operations
Ms. Alfiero brings over fifteen years of experience in banking and mortgage operations experience with expertise in capital markets and default. She joined Timios in 2025 as Executive Vice President of the Capital Markets division where she was responsible for all client management relationships and served as the Operational lead for technology and business strategy. As EVP of Operations, Ms. Alfiero is responsible for all operational functions within the organization, including: all originations and default, human resources, IT and any administrative functions. Prior to Timios, Ms. Alfiero served as the Executive Vice President of Capital Markets Division for Slate MS in which she was a co-founder. Ms. Alfiero has also held management roles at Old Republic Servicing Solutions and Solidifi (formerly, Abstrax) where she started her career in 2010.
Jim Steffen
President, Peak Harbor; EVP, Business Development
Mr. Steffen brings to Timios 20+ years of industry experience and extensive knowledge of distressed real estate, REO asset management, and mortgage servicing. Over the span of his career, he has directed the management and disposition of over 100,000 residential REO properties comprising gross sales in excess of $11 billion. Prior to joining Timios, Mr. Steffen founded Crestview Asset Management in 2017 after 12 years of serving as President and COO of Phoenix Asset Management. There, he directed an organization of 100+ employees managing a portfolio in excess of 10,000 REO assets with dispositions of up to 1,600 properties per month and was instrumental in developing Phoenix into one of the premier firms in the industry. Mr. Steffen holds an MBA from Westminster College in Salt Lake City, UT.
Jessica Thorne
EVP, Client Management, Business Strategy, and Corporate Services
Ms. Thorne brings 20 years of industry experience in title and default services. She joined Timios in 2025 as Executive Vice President where she oversees all client relationships, business strategy and corporate services for Default and Originations. Prior to Timios, Ms. Thorne served in a leadership role as First Vice President of Sales Operations and Client Relations at ServiceLink and has also held management roles at Stewart Lender Services and Morris Hardwick Schneider where she launched her profession in the mortgage industry. In a previous career, Ms. Thorne worked in public relations in the business sector and also served as Marketing Director at both Automobile and Soap Opera Digest magazines.
Jordan Tomenga
EVP, Title Operations
Mr. Tomenga brings two decades of industry experience and has been critical to the nationwide expansion of Timios Title and Settlement services. Under his Title Operations leadership, Timios onboarded 3 instant-title products across 4 major underwriting brands and established ongoing offshore partnerships to enable 24-hour client support. Prior responsibilities in the industry include an assortment of managing roles in Tax, Abstracting/Search, Vendor Coordination/Management departments. Mr. Tomenga is licensed as a multi-state title insurance producer and a Texas Escrow Officer.
Eliana Nunez
SVP, Operations
Eliana Nunez brings 19+ years of experience in lending, title, and escrow to her role as Senior Vice President of Operations at Timios. Starting her career in 2005 with a focus on loan processing and bookkeeping, she quickly expanded her expertise into title and escrow, helping to build an in-house escrow company. Since joining Timios in 2011, Eliana has progressed from a title curative processor to overseeing national escrow operations and the Default department, including Loan Modifications and REO. Her leadership in our operations has been instrumental in developing the top-tier service Timios provides.
Danielle Fisher
SVP, Retail Operations
As SVP of Retail Operations, Mrs. Fisher brings over 20 years of experience in handling residential and commercial escrows, with extensive knowledge of the local market. Prior to her role as SVP, Mrs. Fisher built a reputation for delivering exceptional service, helping numerous clients navigate complex transactions and achieve their property goals. Mrs. Fisher thrives in fast-paced environments and consistently delivers results that exceed expectations. Her leadership in our operations has played a pivotal role in shaping the exceptional service that Timios is known for.
Cindy Wetmore
SVP, Sales
Cindy Wetmore is a dynamic sales professional specializing in mortgage lending, operations, compliance, and title and escrow. Since joining Timios in 2014, she has played a key role in driving business growth and increasing sales. With a strong background in consultative selling and customer service, Cindy excels at building client relationships, understanding challenges, and delivering tailored solutions. Her ability to foster trust and prioritize customer needs has been instrumental in maintaining long-term partnerships and generating repeat business.
Jerry Helmick
SVP, Appraisal Operations
Mr. Helmick brings 30 years industry experience related to the operations and production aspect of Title and Appraisal Management Companies. Jerry has held executive roles managing the growth of companies from "mom and pop" organizations to Fortune 500 companies. As SVP of Appraisal Operations, Mr. Helmick ensures Timios consistently exceeds client expectations and meets every goal, project, and initiative within set SLAs.
Mark Kayton
General Counsel
Mr. Kayton serves as Timos’ General Counsel and has over 30 years of experience, primarily in the real estate settlement and default services and P&C insurance industries. Mr. Kayton has a deep business law background spanning the traditional domains of contracts, corporate governance, real property, claims/dispute resolution and M&A transactions. Mr. Kayton holds a JD from the University of Miami School of Law and is admitted to practice in California and Florida.
What Our Customers Are Saying
Very good service. The staff was friendly and fast. I would recommend anyone to Timios.
Jorge S. Borrower
Title was challenging because of my trust, but Timios handled it with complete professionalism. Because it took extra time to fund completely, Timios refunded their fee. That is real integrity.
Sue B. Borrower
The entire closing of our loan transaction was very smooth and easy. The documents were prepared without any errors and delivered on time. Thank you for a great experience closing our new home escrow.
Gregory W. Buyer
I had a great experience with Timios, and the fees are lower than most I’ve worked with in the past! I would definitely use them again for my future real estate transactions!
Dan M. Realtor
Timios did an amazing job. Courteous, professional, and knowledgeable. I will use them again on all future transactions and refer to everyone.
Monica R. Borrower
The service provided by Timios beats that of high-priced escrow services. They were timely, knowledgeable, and accessible. This year, I purchased two rental properties through them and both deals closed very smoothly.
David Y. Buyer