About Us
Seasoned Team
Secondary Marketing Solutions founded in 2007 (SMS) offers risk management and secondary advisory services. SMS represents buyers, sellers on mergers acquisitions and growth strategies. Its client base over the years includes Banks, Mortgage Bankers, Credit Unions, Hedge Funds, Financial Services Companies & Mortgage Warehouse credit facilities. SMS deploys its Risk Management SaaS
Solutions
Secondary Marketing Solutions provides assistances to the financial services industry in arranging the selling of closed mortgage loans that have defects for a successful sale in the secondary market. SMS also arranges customized mortgage sale arrangements to approved Agency and Ginnie Mae MBS issuers that are bespoke designed for our clients. SMS also provides assistance to the bank, mortgage banker, credit union in the process of becoming a seller servicer and MBS issuer. SMS utilizes a disciplined systems approach, based on modern risk management principals in its methodology to effectively manage mortgage banking risk. The management of SMS has continually worked in the banking, mortgage banking industry, consumer finance since 1980 and have managed interest rate/credit risk for numerous originators responsible for billions of dollars of mortgage originations under virtually every market scenario that has occurred in the last 39 years.
Consulting
SMS consults with Mortgage Bankers, Community Banks, Credit Union, startup financial service marketing companies, specialized areas include:
Mortgage Bankers –Community Banks-Credit Unions
- Startups
- Broker to Banker
- Banker to Agency Servicer
- Non-QM Programs (Loan Product, Automated Underwriting, Loan Sales)
- Interest Rate Risk Management (Hedging Program)
- Mortgage Pooling (Ginnie Mae-Private Label)
- Agency Approvals (FHA, VA, Fannie Mae, Freddie Mac, Ginnie Mae)
- Agency audits prep and resolutions (Fannie Mae MORA)
- Repurchase Requests (Conduit, Agencies, HUD Indemnifications)
- Warehouse line issues (Stale Dated Loans)
Startup, Existing Loan Broker to Mortgage Banker to Seller Servicer
- Agency Approvals (FHA, VA, USDA)
- Seller and Servicer Approvals
- Financial Statement Audit Preparation
- Pricing Valuations
- Company Valuation & Market Cap Analysis (Capital Raise)
- White Label Company Lending Guideline, Policy and Procedures
- Warehouse Credit Lines
Hedging Tool Box SaaS
- Real Time fully LOS Integrated Secondary Risk Management System
- Mobile and Tablet systems for senior management on the go!
- Customized solutions to meet the needs of the client from complete Pricing and Hedge Advisory Services to Software License options.
- The easy-to-use Loan Level Best Execution Allocation model that interacts with current TBA
- Experienced support for startup Secondary Marketing Departments and Best-Efforts-to-Mandatory Transitions.
- User defined rate shock and scenario analysis capability to help you understand your risk and hedge more effectively for all loan products and execution strategies.
- Stage Description “Pull Though modeling for optimal hedge performance (Duration Matched)
- Track fall out by channel, branch and originator.
- User configured Risk Measurements including – Macaulay Modified Rate Durations of TBA Mortgage backed Securities.
- System support all agency products and Non-QM, and real time mortgage backed securities coupons and pricing.
Mergers, Acquisitions, Capital
SMS has represented many client in the successful acquisitions (MLO, LBO) of Mortgage Banking operations over the company's history. SMS's position within capital markets, private equity and private investor partners work together to ensure a successful buy-out, merger or sale. SMS's seasoned management team have been involved in the start up, buy-out and sale of financial institutions since the late 1987.