Mortgage Accounting & Audit Services
Audit. Tax. Compliance. Built for Brokerages.
The Problem With Generic CPA Firms
Most CPA firms treat mortgage brokerages like any other small business. They don't understand warehouse line requirements. They've never prepared financials for NMLS renewal. And when your lender partner asks for audited statements, they scramble to figure out what's expected.
You deserve a CPA who already knows. Guidepost Mortgage Advisory is a dedicated practice within Guidepost CPA, built exclusively for NMLS-licensed mortgage brokerages and lenders. We understand your compliance obligations, your lender covenants, and the regulatory scrutiny your business operates under every single day.
The CPA firm that mortgage brokers trust for audit-ready financials, NMLS compliance, and year-round accounting—with Big Four-level rigor at a fraction of national firm overhead.
Our Mortgage Accounting Services
Specialized solutions for brokers, lenders, and correspondents
Broker Financial Statement Review
Reviewed or compiled financial statements for NMLS renewal, state licensing, or lender approval. Prepared in compliance with SSARS standards.
Learn MoreBroker Audit
Full GAAS-compliant audits for mortgage brokerages required by warehouse lenders, investors, or state regulators.
Learn MoreLender Audit
Comprehensive audits for mortgage lenders and correspondents, including trust account compliance and investor reporting.
Learn MoreAudit + Tax Bundle
Annual audit and tax return handled together by one firm, one team, one point of contact.
Learn MoreTax Services
Business and individual tax returns, entity optimization, and multi-state tax compliance for mortgage companies.
Learn MoreBookkeeping & CFO Advisory
Monthly bookkeeping, warehouse line reconciliation, and fractional CFO services.
Learn MoreWhy Mortgage Brokers Choose Guidepost
Industry Specialist
We work with mortgage brokerages and lenders every day. NMLS, state licensing, warehouse covenants—we know your world.
Premium Quality, Fair Price
Big Four-level rigor at a fraction of national firm overhead. Specialist expertise shouldn't cost six figures.
Guaranteed Turnaround
Most audits completed in 3–6 weeks. Timelines may vary during busy season and for first-year engagements. We hit deadlines because our process is built for your industry.
Year-Round Partner
Mid-year net worth checks, quarterly lender-ready financials, and pre-audit readiness reviews. We don't disappear after tax season.
States Covered
Years Experience
Avg Turnaround
Mortgage Accounting FAQ
Common questions about audits, reviews, and compliance
Frequently Asked Questions
When do I need a financial statement review versus a full audit?
Most state licensing renewals and basic lender onboarding accept compiled or reviewed statements. Full audits are required by most warehouse lenders, particularly during credit lines of $500K+, and by certain state regulators. We recommend a free consultation to determine which level your situation requires—we often help clients qualify for review instead of audit, saving thousands.
How quickly can you turn around an audit or review?
Most audits are completed within 3-6 weeks of receiving complete documentation, depending on the complexity of your operations and whether this is a first-year engagement. First-year engagements require additional setup, inquiries, and documentation. Timelines may also vary during busy season (January–April).
How much do your services cost?
Most attestation engagements fall between $7,000 and $28,000 depending on scope, complexity, and whether this is a first-year engagement. We quote fixed fees upfront after a free consultation. Pricing is influenced by first-year engagement status, completeness of records, and complexity of operations.
Can you help with NMLS renewal and state licensing filings?
Absolutely. We prepare the financial statements your NMLS filing requires and handle submission coordination. We also support state license renewals across multiple jurisdictions, ensuring each state gets the format and disclosures it expects.
Do you work with multi-state mortgage companies?
Yes. We handle companies licensed in multiple states and understand the distinct accounting and compliance requirements for each jurisdiction. We prepare consolidated financial statements and ensure your multi-state operations meet all regulatory standards.
What if I need bookkeeping help to get ready for audit?
We offer monthly bookkeeping and pre-audit readiness reviews so your books are clean before we begin the audit. Many clients add bookkeeping services the year before their first audit—it eliminates surprises and speeds up the entire process.
Ready to Work With a CPA Who Understands Your Brokerage?
Schedule a free 30-minute consultation to discuss your audit, tax, and compliance needs. Let's talk about how we can simplify your back office.
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