MSR and master servicing oversight, servicing accounting and finance build-out, and transaction support — senior discipline on demand, without adding headcount.
Firms the principal worked with and transacted across a 20-year career — not Saltwater engagements.
Built for firms that need senior servicing and MSR discipline but can’t justify a full-time bench.
Subservicer and counterparty oversight programs, performance scorecards, remediation management, and alignment with CFPB, OCC, and state expectations — the oversight regulators now require of every MSR owner who outsources servicing.
MSR valuation and mark support, investor accounting, month-end close, reconciliations, management and board reporting, and controls/SOX design — a servicing-CFO’s toolkit, built or rebuilt.
Buy- and sell-side diligence, data-tape and stratification review, valuation support, and servicing-transfer project management — always as your advisor, never as principal or counterparty.
Senior finance and oversight leadership on demand — between hires, during a transfer, or while scaling a retained servicing book.
A fixed-fee review of your oversight or servicing-finance function against regulatory and institutional standards — with a gap report and a roadmap.
We build the framework, the models, and the controls — documented, reconciled, and defensible under examination or diligence.
Ongoing oversight or fractional-CFO support — or a clean handoff to your team once the discipline is in place.
Saltwater is an advisory firm — not a licensed servicer, MSR holder, or lender. We build and oversee; we don’t hold or service your assets. That keeps us focused on your discipline, your controls, and your outcomes.
Bring us the portfolio, the transfer, or the oversight gap — we’ll tell you honestly what it needs.
Or reach Ricardo Garcia directly: ricardo.garcia@saltwateradvisorygroup.com