Fitzgerald Advisors · Direct portfolio brokerage
At a glance: Meet Andy Bybee, the public-facing Fitzgerald Advisors mortgage-note and loan-sale advisor, and review the firm’s scope and disclosures.
Fitzgerald Advisors · Leadership
Andy Bybee is the public face of Fitzgerald Advisors and a loan-sale advisor focused on complex credit and real-estate finance transactions. Over more than two decades in lending, mortgage notes, distressed assets, bridge finance, and portfolio brokerage, Andy has worked across the buyer and seller side of private-market credit.
His experience includes advising around charged-off receivables, non-performing loan portfolios, whole loans, mortgage notes, bridge loans, construction finance, and specialty-credit opportunities. Through Fitzgerald Advisors, Andy helps qualified sellers define a clear mandate, organize the right information, and approach relevant counterparties without turning the process into a public marketplace. His approach is direct and practical: understand the asset, confirm the evidence, protect sensitive information, and determine whether there is a credible next step.
Evidence and experience
These references and transaction patterns clarify experience and process. They are not claims about a specific client, price, recovery rate, or completed transaction.
By Andy Bybee
NPL Seller Readiness | Controlled Portfolio Review NPL Portfolio Seller Readiness: Tape, Exclusions, Servicing, and Exceptions What a seller should organize before a qual
Read the briefing →CRE Loan Position Review | Seller and Advisor Guide CRE Loan-Position Sale Review: Collateral, Maturity, Workout, and Transfer The evidence a lender or owner should organ
Read the briefing →Judgment Portfolio Transfer | Seller Process Guide Judgment Portfolio Transfer Documents: Assignment, Jurisdiction, and Buyer Review How to organize ownership, assignment
Read the briefing →Bank Market Monitor | Loan Sale Advisor Framework How to Read a Bank Call Report for Loan Sale Advisory A bank call report is a screening tool. Read it to decide what evi
Read the briefing →Buyer Readiness | Controlled Diligence What Should a Qualified Buyer Establish Before Loan File Access? Why a clear buy box, capital path, servicing plan, and diligence p
Read the briefing →Seller Decision Framework | Portfolio Disposition Sell, Hold, Segment, or Work Out a Debt Portfolio? How portfolio owners can compare the next path before releasing detai
Read the briefing →Auto & BHPH Buyer Fit | Tape and Collateral Auto BHPH Buyer Tape and Collateral Requirements What a qualified auto or BHPH buyer should verify before detailed diligence.
Read the briefing →Auto & BHPH Seller Review | Readiness Auto BHPH Seller Readiness: Titles, Liens, Servicing, and Recovery Records A seller-side checklist for preparing an auto or BHPH por
Read the briefing →Auto Loan Buyer Fit | Servicing and Geography Auto Loan Portfolio Buyer Fit: Servicing, Geography, and Recovery Considerations How buyers can evaluate operational fit bef
Read the briefing →Judgment Portfolio Seller Review | Readiness Judgment Portfolio Seller Readiness: Ownership, Balance, Records, and Transfer What a commercial judgment seller should organ
Read the briefing →Judgment Portfolio Buyer Review | Diligence Judgment Portfolio Buyer Diligence: Jurisdiction, Enforcement History, and Collectability Context A buyer-led framework for re
Read the briefing →Judgment Portfolio Sale | Controlled Process Selling a Judgment Portfolio: Assignment, Documentation, and Controlled Buyer Review How sellers can prepare assignment evide
Read the briefing →NPL Data Readiness | Tape Quality NPL Loan Tape Data Quality: Fields, Definitions, and Exception Control The controls that make a non-performing portfolio reviewable befo
Read the briefing →NPL Buyer Review | Diligence NPL Buyer Diligence: Servicing, Legal Status, Collateral, and Recovery Evidence How qualified buyers can organize evidence review without tur
Read the briefing →Mortgage-Note Buyer Mandate | Performing and NPL Review Performing vs. Non-Performing Mortgage Notes for Sale: Buyer Review How buyers can separate payment-stream, collat
Read the briefing →Mortgage-Note Seller Review | Documentation Mortgage-Note Sale Documents: Payment History, Collateral, and Servicing The file organization checklist that makes a mortgage
Read the briefing →Whole-Loan Buyer Mandate | Acquisition Readiness Whole-Loan Buyer Qualification: Buy Box, Capital, Servicing, and Diligence What qualified buyers should define before req
Read the briefing →Whole-Loan Sale Advisory | Seller Process Whole-Loan Sale Process: Data Tape, Diligence, and Transfer A practical institutional process for defining the loan pool, prepar
Read the briefing →Lender Asset Disposition Receivables Portfolio Sale Guide for Banks and Specialty Lenders A lender-specific framework for evaluating, preparing, and executing a controlle
Read the briefing →Post-Close Operations Guide Debt Portfolio Servicing Transfer Checklist: Boarding, Cutoff, Records, and Exceptions A practical operating framework for moving a closed por
Read the briefing →Debt Portfolio Bid Comparison: Gross Price, Net Recovery, and Transaction Terms | Fitzgerald Advisors Debt Sale Transaction Guide Debt Portfolio Bid Comparison: Gross Pri
Read the briefing →Seller-Side Transaction Checklist Debt Portfolio Buyer Qualification Checklist: Mandate, Capital, Servicing, and Compliance A practical screen for sellers deciding whethe
Read the briefing →Debt Portfolio Sale Data Room Guide: What to Upload, When, and Why | Fitzgerald Advisors Seller Process Guide Debt Portfolio Sale Data Room Guide: What to Upload, When, a
Read the briefing →Lender Portfolio-Sale Guide How Do You Sell Debt? A Lender’s Portfolio-Sale Guide A decision-oriented overview for lenders and institutions considering a controlled
Read the briefing →Portfolio Sale Guide Debt Portfolio Sale: Loan Tape, Valuation, Bids, and Closing A seller-side guide to the transaction mechanics that turn a portfolio review into a con
Read the briefing →Credit Card Portfolio Sale Guide Credit Card Debt Portfolios for Sale: Data, Pricing, and Buyer Diligence An asset-specific seller guide to preparing charged-off credit c
Read the briefing →Portfolio Sale Guide A practical framework for evaluating market access, process control, confidentiality, and alignment before engaging a broker for a loan portfolio tra
Read the briefing →Portfolio Sale Intelligence Charge-Off Portfolio Pricing: When to Hold, Work, or Sell Fitzgerald Advisors Editorial Team | Portfolio Sale Education | Draft for review Cha
Read the briefing →Portfolio Sale Risk Briefing Post-Sale Debt Portfolio Risk: Buybacks, Putbacks, and Compliance Controls A practical framework for creditors, sellers, and advisers managin
Read the briefing →Charge-Off Debt Intelligence | Institutional Guide The Complete Guide to Selling Charge-Off Debt in 2026 Fitzgerald Advisors | Seller-side process, valuation, diligence,
Read the briefing →Institutional Intelligence | Expert Briefing The 2026 ProtocolAn Expert Briefing on AI and Standardization in Debt Sales Briefing premise Debt-sale friction often begins
Read the briefing →Judgment Enforcement Strategies by State: A Creditor's Protocol You won the lawsuit. The court has issued a money judgment in your favor. As the winning party (the credit
Read the briefing →Investing in Mortgage Notes: What you need to know? The internet is flooded with gurus promising that investing in mortgage notes is a simple path to “passive income.” Th
Read the briefing →How to Sell a Debt to a Collector? You won a judgment or charged off an account. You have a legal right to the money. This is a paper victory. The war, however, is the co
Read the briefing →Commercial Hard Money Lending Key Takeaways Commercial hard money loans are short-term, asset-based loans secured by commercial real estate and approved primarily on prop
Read the briefing →CRE Credit Intelligence | Community-Bank Protocol The CRE Maturity WallAn Expert Protocol for Community Banks The strategic question What should community banks prioritiz
Read the briefing →Charge-Off Intelligence | Seller-Side Decision Brief The Liquidation ThresholdAn Expert Intelligence Briefing The creditor’s dilemma The decision to hold, work, outsource
Read the briefing →Fintech Credit Intelligence | Alternative Data Briefing The Data Lag ProblemAn Expert Intelligence Briefing Core insight Traditional credit scores can be useful, but they
Read the briefing →CRE Credit Intelligence | Valuation Briefing The CRE Valuation GapAn Expert Intelligence Briefing Core insight Higher interest rates can change the relationship between p
Read the briefing →CRE Credit Intelligence | Distressed Bridge Loans The CRE Maturity WallA Deep Dive on Distressed Bridge Loans Executive Summary Commercial bridge loans approaching maturi
Read the briefing →Creditor Strategy | Workout and Sale Decision Framework The Creditor’s DilemmaA Mandate for Workout vs. Sale The central question Every non-performing loan requires a dec
Read the briefing →When it comes to buying debt, it is crucial to be prepared. If you do not know what to do, you are likely to make mistakes that will end up costing you a fortune. The goo
Read the briefing →Mortgage Note Intelligence | Seller-Side Guide Ultimate Guide to Selling Mortgage Notes Online Pricing factors, sale options, buyer diligence, documentation, and closing
Read the briefing →Bad Debt is a Business Choice, Not Just a Homework Problem By Jeffery Hartman | 22nd December 2025 | Balance Sheet Strategy The Big Idea: Move Quietly, Win Fast In 2026,
Read the briefing →Why Creditors Delay Selling—and Why It Usually Costs Them 15% By Jeffery Hartman | 22nd December 2025 | Capital Markets Intelligence Institutional Summary: The Holding Ta
Read the briefing →The Debt Marketplace Meltdown: Ending the Compliance Fear Tax By Jeffery Hartman | 21st December 2025 | Institutional Advisory Summary: Shattering the Illusion of Passive
Read the briefing →Institutional Advisory | Compliance and Whole-Loan Sales Debt Sale Compliance EvolutionBeyond Legacy White Papers Executive Summary Legacy debt-sale guides helped institu
Read the briefing →The Sun Belt Multifamily 'Ghost' Portfolios: Asset Management in the 2026 Reset Institutional Intelligence | Fact-Checked & Verified CRE Mandate Executive Summary Institu
Read the briefing →Institutional Intelligence | Deliverability-Adjusted Valuation The Deliverability Crisis: Why Portfolio Performance Can Be Damaged by “Spam Likely” Signals A practical fr
Read the briefing →Institutional Intelligence | Market Outlook The Great Liquidity Reset: Why 2025–2026 Is the Era of the Bold Creditor Rescinding the “Fear Tax” of 2014 | Fitzgerald Adviso
Read the briefing →Transaction hub: Sell a Portfolio: debt portfolios for sale
Fitzgerald Advisors · Advisor profile
Mortgage-note information, loan-sale positioning, and confidential transaction coordination.
Fitzgerald Advisors profile · Updated October 2026
Fitzgerald Advisors describes Andy’s focus as mortgage-note information, market positioning, and sale coordination. A mortgage-note review may involve payment records, collateral, document custody, assignment history, servicing responsibilities, and the proposed transaction objective.
Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios