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.