We understand how the current mortgage ecosystem is integrated and that it is constantly evolving

The Core Principles of our Mortgage Principals

Experience Matters

We only take on engagements in mortgage subsectors in which our team has had operating experience (see list below)

Speed Kills Your Competition

Once engaged, we move fast; enabling you to beat your competitors to new profitable opportunities

No Alternative Facts

We’ll always tell you what we really think. Our recommendations are supported by robust fact-based analysis.

Network Effect

We leverage our extensive network throughout the mortgage industry to support the business development, operational, and strategic goals of our clients


Former CEO of a national title insurance and settlement services company

Former CFO for a leading analytics, trading, and brokerage firm to the mortgage origination and servicing industries

Leading underwriting and compliance expert for residential and commercial title insurance

Former successful private equity investor alongside other financial services focused PE funds

Mortgage Team

We are subject matter experts in the Mortgage and Specialty Insurance industries

Steven Palmer


Steve founded Draycott Place Consulting in 2018 to assist companies to take advantage of growth opportunities and address operational challenges. Prior to launching Draycott Place, he was the CEO of Entitle Direct Group, Inc., the holding company of EnTitle Insurance Company, a nationally licensed Title Insurance Company for four years. Steve was responsible for setting strategy, and all aspects of the company’s operations including interfacing with the company’s clients, rating agencies, and regulators. He led the company to a sale to Radian Group (RDN:NYSE) in 2018.

Prior to leading Entitle Direct, Steve headed up the private equity group at PartnerRe Ltd, a global reinsurance company with $8 billion of total capital. While at PartnerRe, Steve originated, negotiated, structured, and monitored a portfolio of direct and fund investments many of which were designed to take advantage of the mortgage crisis that was unfolding at that time. For instance, Steve served on the board of directors of MountainView Capital Group, a leading mortgage advisory firm. Steve was also a board observer for Essent Group for four years beginning at the time of its founding.

Steve has an MBA from the Tuck School at Dartmouth College, and a BBA from Wilfrid Laurier University and is Chartered Financial Analyst. Steve maintains the Series 7, 63, and 79 FINRA Registrations through Weild & Co.

In addition to being a father of two young(er) children, he also volunteers with Hire Heroes USA, which provides job search assistance to US military veterans and their spouses and helps companies connect with opportunities to hire them.

Stenwyn A. Joseph

Strategic Advisor

Sten is the owner and CEO of MGJ Advisory Solutions, a provider of valuation and risk management services for financial institutions investing in residential mortgage related portfolios. In his current capacity, Sten provides leadership and subject matter expertise to integrating key portfolio management functions surrounding Level III assets including Mortgage Servicing Rights, Non-Agency Bonds and Whole Loans as well determines the strategy and execution path of MGJ Advisory Solutions.

Prior to founding MGJ Advisory Solutions, he was the Chief Financial and Operating Officer at MountainView Financial Solutions, a leading consultancy, where he led the growth and development of the Analytics divisions including Model Risk Management, MSR Risk Analytics, Core Deposit Analysis and Bond / Whole Loan Valuation Analytics.

Sten has been influenced by a 30-year career in the residential mortgage banking industry specializing in investment portfolio management for various asset classes, secondary marketing and financial reporting. Leveraging his strong technology background, he is able to identify and implement strategies to ensure financial profitability, effective growth and operational efficiency while also mitigating risk. In his various capacities, he has developed, implemented and directed governance for various third party and proprietary discounted cash flow, performance (prepayment, default, decay rates) and hedging models supporting the assets under management.

Sten earned a Bachelor of Science in Accounting degree from Florida Metropolitan University and achieved certifications as a Certified Network Engineer (CNE) and Microsoft Certified Solutions Developer (MCSD) certified in Visual Basic and SQL Server.

Edward J. Krug

Strategic Advisor

Ed has been a practicing attorney for the past 45 years. He graduated from Duquesne University in Pittsburgh in 1968 and Duquesne University Law School in 1972 where he currently serves as an Adjunct Professor of Law in Real Estate Planning. His practice has consistently focused on real estate, lending and title insurance where he served as outside general counsel to several lending institutions.

In 1997 Ed joined Stewart Title Guaranty Company as Western PA Manager and Counsel and in 1999 was appointed Vice President for the company’s multi-state division. In 2001 he was hired as President and General Counsel of Service Link, LP, a Pittsburgh based Vendor Management Company specializing in title and settlement of residential transactions on a multi-state level. In 2005 Ed returned to private practice specializing in small balance commercial lending and closings.

Ed has been a licensed title insurance agent in PA since 1977 and is also licensed as a title agent in 21 additional states. He has served as a Counsel, Director and past and current President of TAVMA, The Title Appraisal Vendor Management Association. He has also served on the Board of Directors of RESPRO, the Real Estate Service Providers Organization. He has served as an Expert Witness for two major title insurance companies in class action litigation.

“I first met Steve when he was CEO of a client. He was great to work for–focused, determined, demanding, but always reasonable. After he sold the company, we kept in touch, and as our firm went through a period of rapid growth, we hit the wall on the financial side. We had too much data, but none of it was actionable. We reached out to Draycott Place for help and within a month, Steve developed financial KPIs and budgeting tools that allow us to really drive profitability. Highly recommend Draycott Place!”

George Holler Managing Partner, Holler Law Firm, LLC

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