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PMA Loans: purchase, refinance, and mortgage investment

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REALTORS

Protect the referral

Clear updates · Buyer packet

LUNA

Cleaner borrower intake

Docs · Questions

DEAL RESCUE

When the file gets tight

Income · Credit

NEXT

Send the scenario

Property · Buyer

What a Realtor actually wants to feel
Clean letters
Better pre-approval positioning

To protect the offer and cut unnecessary noise.

Updates
Proactive communication

The client and the agent know where things stand.

Buyer packet
A share-ready resource

A clearer tool to prepare the buyer before the rush.

REALTOR PARTNERSHIP INTRO

What PMA puts on the table

This is not about adding yet another lender. It is about adding a cleaner option.

Co-branded buyer packet

A tangible piece you can share when you need to organize the buyer early.

Pre-approval strategy

More clarity before the offer scramble begins.

Update cadence

How the client, the Realtor, and the listing side stay informed.

Escalation path

What happens when the deal gets weird and needs a faster unlock.

REAL PROOF

Proof before you refer

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

5.00
Average rating

Based on public reviews shown on the site.

48
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.

1
Book the intro

Fifteen minutes to see whether the fit makes sense.

2
Review the process

Buyer prep, letters, communication, and listing-agent support.

3
Leave with a resource

A buyer packet and a clearer sense of how PMA protects your name.

BUYER PACKET

A concrete resource you can share with your client

This page no longer pushes a generic borrower calculator. The main offer here is process and Realtor reputation protection.

Includes
  • Share-ready buyer packet
  • Cleaner pre-approval path
  • Update cadence
  • Support when the listing side presses
OBJECTIONS

Common objections

Short answers to the questions that usually slow action down.

I already have lenders

Great. This is about adding a clean operator, not replacing for the sake of it.

My clients hate uncertainty

That is exactly why this page is built around clarity and updates.

I do not want weak letters

Letter strategy and buyer prep are part of the offer.

WHOLESALE

Lender options for different scenarios

Not every borrower or deal belongs in the same path.

UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
COVERAGE

Coverage that also protects your referrals

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

PMAfin — Licensed States + Nationwide Investment/Non‑QMTexas and Florida highlighted in gold as licensed states. Other states shown in translucent navy for investment and Non‑QM footprint. AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWA WI WV WY PMAfin.com

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.

Do not just sell financing. Protect your reputation.

The value here is not a borrower calculator. It is a cleaner experience for your client and for you.

Informational only. Loan scenarios remain subject to documentation, verification, underwriting, and lender approval.

Book your Realtor intro

Buyer packet, communication, and process built to protect your reputation.

Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: If you do not have a Loan Estimate yet, book an introduction call or a prequalification and we will build the plan from scratch.
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

A buyer-first payment view that Realtor partners can share with confidence.

Program
Term
years
Purchase price
$
Down payment
%
$
Interest rate
%
Property taxes
$
HOI
$
HOA dues
$
Other dues
$
Credit range
Estimated monthly payment
$3,049
PurchaseConventional30-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 v2026-06-25. Verify guidelines, pricing, lock and underwriting before quoting.
LOS JSON
UWM
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

* 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.

Realtor partners

Dedicated Realtor homepages

Clean pages for buyers, sellers, and direct contact.

3 partner pages live in this directory
Jeysson Miranda
Realtor Partner
Realtor Partner
Nilda Tabares
Real Estate Broker
Miami New Realty
Reisa Linares
Realtor Partner
Realtor Partner