FFAM

What FFAM does

Frost Financial Advising & Management, LLC (FFAM) is a Texas-based, privately held financial advisory firm founded in 2014 and headquartered in Frisco, Texas. The firm serves the U.S. mortgage and real estate industry, providing mortgage debt-to-income (DTI) solutions, strategic advisory consulting, debt-burden education, and continued-education programs for realtors and loan officers. Its core customers are mortgage lenders and real estate professionals (primary), with homebuyers carrying student loan or other debt burdens as a secondary persona. The firm does not maintain a proprietary technology platform; products and services are delivered through human-led advisory, classes, and webinars, including specialized trainings on student loan debt handling and credit score simulator usage.

FFAM operates on a direct-referral-only go-to-market model, accepting new clients exclusively through trusted real estate and mortgage lending professionals. The firm does not publicly list direct contact details or pricing, and revenue is generated through professional services and consulting fees rather than transactional or subscription pricing. Marketing reach is built through industry webinars, regional and national conventions, continued education sessions, and media appearances such as a 2018 feature on ESPN Radio's Common Sense with Eran Sinai. In 2025, the firm publicly indicated it is 'transitioning into its next chapter,' shifting emphasis from its historical advisory footprint toward focused consulting services and tailored business solutions.

The firm is a micro-organization with 1-10 employees, led by owner Amanda Jackson, and is organized as a Texas LLC with no disclosed institutional investors, parent company, subsidiaries, partnerships, patents, or funding rounds. There are no disclosed customer logos, no public pricing, no API or mobile application, and no compliance certifications on file.

Name

FFAM

Legal name

Frost Financial Advising & Management, LLC

Website

https://myffam.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

FFAM is a Texas-based financial advisory firm serving the U.S. mortgage and real estate industry. It provides mortgage DTI solutions, regulatory advisory consulting, and continued education for realtors and loan officers, accepting clients exclusively via direct referrals.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Management Consulting Services (54161), Finance and Insurance (52)

SIC

Services-Management Consulting Services (8742), Finance Services (6199)

akta.pro primary industry

Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Mortgage DTI solutions
• Debt burden consulting
• Credit repair services
• Loan officer education
• Regulatory advisory services

Headquarters

HQ city

Plano

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Strategic Advisory & Consulting Services: The company provides consulting services and tailored business solutions, transitioning from its historical advisory offerings to a more focused consulting model. Services include strategic advisory, education, and innovative solutions tailored to meet specific industry needs.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

FFAM (Frost Financial Advising & Management, LLC) delivers mortgage debt-to-income (DTI) solutions, strategic advisory consulting that resolves complex regulatory guideline issues for lenders and real estate professionals, and continued education programs for realtors and loan officers covering student loan debt handling, credit score simulation, and compliance. New clients are accepted exclusively through direct referrals from trusted real estate and mortgage lending professionals.

Product overview

Frost Financial Advising & Management, LLC offers a suite of financial advisory and educational services focused on the mortgage and real estate industry. The core offering includes Mortgage DTI Solutions for homebuyers and lenders, complemented by Strategic Advisory Consulting services that address complex regulatory guideline issues. Educational offerings include Continued Education programs for Realtors and Loan Officers, as well as specialized classes on student loan debt and credit score simulation. The company primarily serves mortgage lenders, real estate professionals, and homebuyers through direct referral relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage DTI Solutions
• Strategic Advisory Consulting Advisory and consulting services solving complex regulatory guideline issues for mortgage lenders and real estate professionals, delivering individually evaluated, strategically customized solutions with a focus on integrity and operational efficiency.
• Continued Education for Realtors Continued education programs for real estate professionals covering industry updates, regulatory compliance, and best practices related to mortgage qualification and debt burden handling.
• Continued Education for Loan Officers Continued education programs for loan officers including regulatory updates, compliance training, and industry best practices to help them guide referred clients through complex mortgage qualification scenarios.
• Student Loan Debt Classes Instructional classes for realtors and lending professionals on working with student loan debt, including how to advise homebuyers on student loan handling while maintaining compliance and avoiding the 0.5%-5% penalties.
• What-If Score Simulator Training Training on using What-If credit score simulators to provide accurate mortgage credit score advice to clients without jeopardizing regulatory compliance.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• MGIC Investment: Mortgage insurance and lender services provider. Comparable as a participant in helping lenders manage guideline and qualification risk that FFAM also addresses through advisory.
• Radian Group: Mortgage insurance and mortgage risk analytics provider. Adjacent to FFAM in serving mortgage lenders with solutions that address guideline complexity and borrower qualification.
• ICE Mortgage Technology: Large mortgage technology platform (formerly Ellie Mae) serving lenders with loan origination systems. Comparable as infrastructure serving the same mortgage professionals FFAM advises.
• Credit Karma: Consumer credit and financial guidance platform offering credit score monitoring and personalized recommendations. Overlaps with FFAM's debt-burden education and credit advice at significantly larger scale.

Direct peers

• National Debt Relief: Debt settlement and consumer debt counseling provider. Comparable to FFAM in helping consumers manage and resolve debt burdens that affect mortgage qualification.
• Lexington Law: National credit repair and consumer advisory firm. Comparable to FFAM in delivering credit and debt-burden advisory services to consumers seeking to qualify for mortgages and other financing.
• Sky Blue Credit: Credit repair and credit counseling firm serving consumers working to improve credit profiles. Comparable to FFAM's credit repair and debt-burden education offerings.
• Accredited Debt Relief: Debt settlement and consumer debt advisory firm. Comparable to FFAM in assisting consumers reduce debt burdens that directly affect mortgage qualification and DTI.

Emerging players

• BeSmartee: Digital mortgage platform serving lenders and borrowers with workflow and qualification tools. Comparable as a technology-enabled participant in the mortgage qualification ecosystem FFAM services.
• Maxwell: Mortgage technology and point-of-sale platform for lenders. Comparable as a fellow provider of services that help lenders close more mortgage-qualified borrowers, addressing DTI and guideline complexity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FFAM