Buy Funnel | PMA Loans

Buy smarter!

Luna reads the path

Four signals before the next move

Luna keeps the homepage open and focused, then brings the useful decision points right after the hero.

BUYER PLAN

Offer-ready, not guessing

Payment range
Cash to close
Letter strategy

LUNA CHECK

Ask before you tour

Program fit
Timeline
Missing docs

NUMBERS

Know the real payment

Taxes
Insurance
MI when needed

Credit
Income
Assets

What matters before you write the offer

Real payment

Full monthly payment

Taxes and insurance included, not just principal and interest.

Cash to close

Real money needed

Down payment, costs, and the range you should actually prepare.

Offer ready

Pre-approval strategy

A cleaner letter and a stronger path before the scramble starts.

Pre-Approval

Buyer magazine

The offer-ready buyer path

Ideas for first-time buyers, repeat buyers, Realtors, and families planning cash to close.

Offer-ready, not just pre-approved

Pre-approval that wins offers (without the chaos)

A buyer wins trust when credit, income, assets, and assumptions are already organized.

Buyers and buyer agents

Read the monthly story

Buyers

First-time buyer checklist

Start with payment, documents, funds, and the offer timeline.

Buyers

Gift funds and seller credit

Plan the help correctly so it supports the file instead of delaying it.

Realtors

Realtor offer packet

Give the agent cleaner language and fewer surprises.

PMA BUYING PLAN

What you leave with after one short call

A tighter conversation that organizes numbers, documents, and next steps.

Real monthly payment

See the full payment before you fall for a property that does not fit your life.

Cash-to-close range

We show what you may need and why, without late surprises.

Document checklist

The right order to prepare a cleaner pre-approval.

Offer strategy

Better clarity for you and your Realtor when it is time to move.

REAL PROOF

What buyers and clients already say

Public reviews, bilingual support, and a serious advisory process.

5.00

Average rating

Based on public reviews shown on the site.

Public reviews

Google, Facebook, and other verified sources when available.

EN / ES

Bilingual communication

Clarity for the client and less friction for the agent or partner.

Google

“José was a vital part of our home buying process… he was with us and guided us every step of the way. It is so important to surround yourself with professionals that are sharp, hard working and responsive. Thank you for making our dreams a reality!”

JR Gutierrez2024-07-31

HOW IT WORKS

How it works

A short process with less friction and a clearer next step.

Book

It takes less time than continuing to guess.

Review the numbers

Payment, cash, and your real scenario before you shop.

Leave with a plan

A clear next step, without pressure to apply too early.

Mortgage calculator

See the payment before you fall for the property

Choose the program, term, rate, taxes, and insurance to review the full payment.

PMA Mortgage Calculator

Homebuyers Calculator

Compare price, down payment, rate, and taxes in one view.

Program

Term

years

Purchase price

Down payment

Interest rate

Property taxes

HOI

HOA dues

Other dues

Credit range

Estimated monthly payment

$3,049

Purchase • Conventional • 30-year fixed

PITI

APR 5.123%

P&I$2,150.18

Taxes$442.71

Insurance$301.04

MI$154.77

Purchase price

$425,000.00

Down payment

$21,250.00 (5.0%)

Loan amount

$403,750.00

Principal and interest

$2,150.18

Interest rate

4.930%

Estimated APR

5.123%

Taxes per month

$442.71

Insurance per month

$301.04

Loan insurance per month

$154.77

HOA per month

$0.00

Other dues per month

$0.00

LTV

95.000%

Annual mortgage insurance rate

0.460%

Lender / LOS paths

Simulated matrix v2026-07-02. Verify guidelines, pricing, lock and underwriting before quoting.

LOS JSON

UWM

Agency speed • FHA/conventional • Broker workflow

Sim adj.: -0.08%LTV max 97%FICO min 5801-3d

The Loan Store

TLS

Agency • Non-QM fallback • HELOC/second-lien review

Sim adj.: 0.00%LTV max 95%FICO min 6202-4d

Rocket Pro

ROCKET_PRO

FHA • VA-adjacent workflow • Conventional comparison

Sim adj.: +0.08%LTV max 97%FICO min 5801-4d

Newrez

NEWREZ

Agency coverage • Non-QM options • Scenario breadth

Sim adj.: +0.10%LTV max 95%FICO min 6002-5d

Get a personalized payment estimate

* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.

Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.

This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.

OBJECTIONS

Common objections

Short answers to the questions that usually slow action down.

I am not ready to apply yet

Good. This starts with a plan, not a push toward paperwork.

I do not know whether 3%, 5%, or more makes sense

We model the trade-off between payment, cash to close, and flexibility.

I do not want to waste time

That is exactly why the call exists: less noise before the rush starts.

Get my buying plan

WHOLESALE

Lender options for different scenarios

Not every borrower or deal belongs in the same path.

COVERAGE

Coverage for real scenarios

Florida and Texas remain the licensed states. PMA can also support other states through partner referrals when the scenario allows it.

Florida and Texas mean direct PMA licensing and local presence. In every other state, PMA can still help with primary-home purchase, refinance, and investment scenarios through our partner referral network.

TEAM