PMA
PMA
Purchase • Refinance • Invest
LAB

PMA Lab

This page is our sandbox. The flagship calculator and the market widget live here first, get sharpened here, and then move to the homepage only after they feel production-ready.

Start Pre‑ApprovalBook 1‑hour Pre‑Qualification
Prototype

Market rate widget

Chart-first, desk-style, and built to push borrowers into a real loan review when the market gets interesting.

Market pulse

Desk-style rates widget

The goal is simple: get the borrower to check the graph, understand the market pulse, and then move into a real loan review.

As of —
Tip: drag across the chart to zoom and use the range pills to jump back out.
Review my loan
Loading rates…
Source: Optimal Blue OBMMI (via FRED). Informational only. Not a quote or a commitment to lend. Actual rates vary by credit, LTV, points, fees, property, and underwriting. "This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis."
Prototype

App-style mortgage calculator

A guided buyer flow with correctly formatted dollars and percentages, FHA and conventional mortgage insurance logic, and a pre-approval preview at the end.

PMA Mortgage Calculator

Mortgage calculator

Program, term, rate, taxes, and insurance in one view.

Loan Purpose
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%
Get a personalized payment estimate
Approval Status
Pre-Approved
Loan Amount
$403,750.00
Property Address
TBD
Sales Price
$425,000.00
Financing Percentage
95.000%
Loan Type
Conventional
Loan Term
30-year fixed
Estimated Payment
$3,048.70
APR
5.123%
Expires On
6/15/2026
Sincerely,
Ketty Varela
Ketty Varela
Mortgage Broker • NMLS 2732660
(502) 450-2638 • ketty@pmafin.com
Premier Mortgage Advisors LLC • NMLS 2566750
3000 SW 148TH AVE, SUITE 304, Miramar, FL 33027

* 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.

Prototype

Luna • AI Loan Assistant

Experimental chat widget. Informational only; not a commitment to lend.

Notes
  • • This is a prototype UI.
  • • Content is informational only; underwriting and lender guidelines control.
  • • If you want a human review, book the 30‑minute “Review Loan” call.
Book “Review Loan”Mortgage Brokers
Luna (offline)
AI Loan Assistant

Luna chat isn’t available on this build. You can still apply online or contact a Mortgage Broker.

Informational only. Not a commitment to lend. All loans subject to underwriting approval.