FFAM (Frost Financial Advising & Management) provides premium credit and debt solutions for lenders and homebuyers. Specializing in financial coaching, student debt management, and mortgage DTI (debt-to-income) solutions, they aim to help clients achieve financial freedom. FFAM operates with a referral-based model to maintain high service quality, partnering with preferred mortgage advisors to ensure tailored financial advice. The company is women- and veteran-owned.