PMA LoansPMALoansBuyRefinanceInvest

PMA Guest

Login required

Luna / ChatPMA Login

PMA Loans: purchase, refinance, and mortgage investment

team ready!

TEAM

Licensed PMA brokers

Jose + Nela · Milena + Judith

MATCH

Choose the right guide

Florida · Texas

LUNA

Start with intake

Scenario · Docs

VISIBILITY

Only approved MLOs show public

Active license · Sponsored

PMA mortgage brokers and team structure

Jose Diaz
Jose Diaz
Mortgage Broker
NMLS 1678697
PMA phone (786) 321-9696jose@pmafin.com
View profile
Marianela Sierra
Marianela Sierra
Mortgage Broker
NMLS 2092545
PMA phone (786) 357-8363nela@pmafin.com
View profile
Milena Coello
Milena Coello
Mortgage Broker
NMLS 2753261
PMA phone (786) 848-1789milena@pmafin.com
View profile
Judith Linares
Judith Linares
Mortgage Broker
NMLS 2601318
PMA phone (786) 925-3225judith@pmafin.com
View profile
Osmail Marey
Osmail Marey
Mortgage Broker
NMLS 1418975
PMA phone (786) 316-7014osmail@pmafin.com
View profile
Not sure who to choose?

Start with Luna, then pick your broker.

Open Luna from the homepage →
Mortgage calculator

See the payment before you fall for the property

Switch between purchase and refinance and review the full payment.

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%
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
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.

COVERAGE

Licensed in Florida and Texas

Licensed in Florida and Texas. In every other state, we can still help through our partner referral network.

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

Schedule online in minutes. No pressure.

Pick the call that fits your situation. The calendar opens in a secure Microsoft Bookings popup.

Introduction call
15 minutes to understand your goal, your timing, and the next step.
Tip: If you need more time later, you can book a longer call.