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Reviews across PMA Mortgage Brokers

A selection of public reviews and testimonials associated with our Mortgage Brokers. Individual results vary, and the best next step is a quick call for your exact scenario.

Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

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 Gutierrez
7/30/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

No me alcanzan las palabras para decir cuán importante ha sido para mi vida y la de mi familia… Siempre apoyándonos con sus mejores servicios y recomendaciones. Los recomiendo 100%.

Jany Perez
4/1/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

José is a very good professional, very knowledgeable and dedicated to his work. My refinancing process went smoothly. He guided me at every stage and answered all my questions. I would recommend him 100%.

Mariela Ortiz
3/27/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

If you are looking for a professional person to help you in the process of buying your home, you should work with Jose Diaz. Answers calls, explains everything you don't understand. You won't regret working with him.

Lissy
6/19/2022
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is so professional. He takes care of our file and now we’re happy homeowners ?? Thank you for your job, your time, and the patience you had with us.

Julieth Miranda
6/17/2022
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Working with Jose Diaz has been a wonderful experience since day one. He kept in touch every step of the way and was always available to respond. Will definitely recommend Mr. Diaz to my family and friends.

Janier Chao
8/27/2021
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Muy profesional y atento. Siempre estuvo disponible para cualquier pregunta. Very professional and attentive; always available to assist with any doubts or questions.

RAMON RABELO
8/22/2021
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

José picks your phone call at any time and day. His experience in the industry is what makes him, in my opinion, the best mortgage broker I have done business with. He helped me close when others said it couldn’t be possible.

Joel Gierbolini
12/3/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is very professional, attentive and always responsive for our clients’ needs. He explains the buying process in detail and is very knowledgeable in his field.

Jeysson Miranda
11/12/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose was great answering all the questions and concerns we had during the loan application process. He made the process smooth and easy to go through. Thank you so much Jose.

Carlos Agudelo
11/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose Diaz salvó la compra de mi primer apartamento cuando ya no tenía esperanzas… siempre estuvo presente, explicando con paciencia y dándome confianza. Profesional excelente, con mucha experiencia. Gracias Jose.

Celia Ramos
11/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose was friendly, informative and on top of everything every step of the way. Thanks for everything!

Daniela Reyes
11/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

It was a pleasure to work with Jose. He was always available to answer any concerns. Great communication. From start to end it was a smooth transaction.

Silvia Ramirez-Lara
11/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is outstanding! He is very knowledgeable, capable, and he really loves what he does. He helped us achieve one of our American dreams: our first home!

Suanny
11/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

En todas las transacciones que hemos trabajado juntos ha sido muy profesional: comunicativo, perseverante y conocedor. Responde todo lo que los clientes preguntan y les da asesoramiento. Definitivamente lo recomiendo ??.

Nilda Tabares
9/12/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Basada en mi experiencia personal, Jose Diaz es un profesional preparado, carismático, amable y accesible. Una persona comprometida con su trabajo y clientes. No tengo ningún punto negativo que señalar.

Cecilia Romero
9/3/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

A very good experience with José Diaz in Miami, FL… very professional and very trustful. José is a person you can count on.

Juan Napoles
9/2/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is so professional. He takes care of our file and now we’re happy homeowners ?? Thank you for his job, his time and the patience that he had with us.

Julieth Miranda
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Soy Realtor y lo recomiendo para trabajar como tu Mortgage Broker… te salva las transacciones más difíciles, busca soluciones rápidas e inmediatas. Lo recomiendo 200x200% con los ojos cerrados.

Misleydi Zayas
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is outstanding! He is very knowledgeable, capable, and he really loves what he does! He went beyond expectations and helped us achieve our first home!

Suanny Walter
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Working with Osmail was an incredible experience. It almost seemed impossible to obtain our house and with his help and dedication we achieved it. The process was very fast and very professional.

Adrian R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Desde el comienzo tuvo mucha paciencia y nos explicó paso a paso. Muy profesional; tuvo mucho acierto en los números desde el comienzo hasta el final del cierre. Sin dudas lo contactaré en el futuro. Gracias.

ANDRES J.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail promptly answered any questions, doubts, and concerns I had. He worked hard to give me the best possible deal, alternatives and advice to achieve our dream. We are eternally grateful.

Beatriz V.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Easily reachable and accommodating during the home buying process.

Christopher O.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was very clear and concise offering great advice at every step of my journey. Excellent service from beginning to end. Thank you for your professionalism and for making this such a smooth transaction.

DAUMEL D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Excelente persona y un gran profesional, siempre es un placer que podamos trabajar juntos.

DAUMEL D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

He was very helpful throughout the process, very communicative and always helped with each step.

Diego G.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Very helpful.

ELISA B.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail Marey is an outstanding mortgage professional. He provided unwavering support through every step of the process above and beyond my expectations. His knowledge, professionalism and dedication put my mind at ease and made the entire mortgage process simple and easy.

Esmeriet L.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Our experience was very satisfying. Excellent service and advice. We have nothing negative to report. We recommend it for sure.

Francisco J.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Great person and helped throughout whole process.

FRANCISCO R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Desde un primer momento en este proceso el Sr. Osmail se ha comportado de una forma muy profesional. Siempre pendiente y respondiendo nuestras consultas. La compra se transformó en algo placentero. Muchas gracias.

GERMAN V.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was on top of the process since the beginning. He kept me continuously updated and always answered my calls. Definitely I will recommend Osmail to all my friends.

Jaime I.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

El señor Osmail Marey Hernandez es un excelente profesional. Nos mantuvo informados de cada paso en el proceso. Siempre brindó seguridad sin importar la hora ni el día. Muy satisfechos.

Jorge M.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The professionalism and level of advice were outstanding from the day we started to the end. We needed many explanations; the agent was patient enough to answer all our questions. Grateful for the service received.

JOSE A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

It was a pleasure for us to have worked with you Osmail; our expectations were exceeded. You showed professionalism, capacity and efficiency during a process that was very fast. Thanks.

Jose A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

La atención y servicio del Sr. Osmail fue magnífico todo el tiempo. Es muy profesional y entregado a su trabajo.

Jose E.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Excelente trato, muy buena comunicación. Siempre nos tuvo al tanto de todo el proceso.

Juan C.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

We receive an excellent service. Consulting and customer service helped us make the right decisions at all times. We recommend it one hundred percent.

Larisvel L.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The service and professionalism.

Mabel Q.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Great customer service and very professional.

MADAY C.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Amazing service! Always my go-to lender for all my transactions. Very attentive and always professional.

MADELINE N.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

He is an honest and confident person. Very patient and empathetic with us. I recommend 100% his professional service.

Melba A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Very knowledgeable & competent people to work with, plus the loan was processed very coordinated & fast!

Mercy R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Sin dudas fue un gran placer trabajar junto a Osmail. Excelente comunicación y rapidez. Gracias por hacer realidad nuestros sueños; sin dudas serás nuestra primera opción.

Mileidys D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Professionalism and the desire to help are values I found in Osmail. Always willing to help, very patient. Thanks to him I was able to refinance my house. Good luck!

Rodolfo S.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The experience of refinancing my home was very satisfactory, thanks to Osmail who made everything easier. Extremely professional job. Thanks for all.

Yanelis R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was very professional answering all my questions and walked me through the entire refinancing process. Highly recommend to friends and family. 5 stars for him.

Yoan M.

Testimonials and reviews reflect individual experiences and may not be representative of all clients. Results vary.

Mortgage calculator

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PMA Mortgage Calculator

Payment review for buyers and homeowners

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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
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.

COVERAGE

Licensed in Florida and Texas

Headquarters in Florida. We are licensed in Florida and Texas, and we can also help in every other state through our partner referral network for purchase, refinance, and investment scenarios.

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.

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

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