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PRMG - TPO We have a team of wholesale mortgage professionals waiting to help you succeed in this industry. PRMG is a Fannie Mae and Ginnie Mae seller/servicer.

PRMG provides our Broker and TPO partners with a comprehensive mix of conforming and government loan products as well as jumbo products to serve your borrowers. We are committed to your success by providing you with an experienced and knowledgeable team of mortgage professionals who are here to offer you exceptional service. Explore our full product menu and experience a unique investor that has the customer service to tailor it's business model to best fit yours. All loan programs displayed on this Website may not be available in every state.

What actually makes one lender worth choosing over another? Most brokers can't answer that about their own lender, becau...
10/07/2026

What actually makes one lender worth choosing over another? Most brokers can't answer that about their own lender, because on paper, a lot of them look the same. Similar programs. Similar rate sheets.

The real difference shows up after a file is submitted. PRMG runs five distinct Non-QM programs, not one narrow box: DSCR, Income Qualifying, Asset Utilization, the Alternative AUS Solution, and an expanded closed-end second lineup.

A PRMG brokerage can also be approved for Wholesale and Non-Delegated correspondent at the same time. More than one way to do business, without picking one and closing the door on the other.

The rate sheet doesn't tell you any of that. The lender relationship does.

Save this and share it with a broker deciding who to partner with.



Mortgage Broker | Wholesale Lending | TPO Lender | Correspondent Lending | Non-Delegated Correspondent | Non-QM Lending | DSCR Loan Program | Broker Channel Growth | Lender Partnership | Loan Officer Tips | Mortgage Professional | Broker Channel | Mortgage Industry Education | Third Party Origination | Home Loan Programs | Mortgage Broker Resources | Wholesale Lender Support

A DU Approve/Ineligible finding tends to trigger the same reaction: the automated system approved the borrower's credit ...
09/29/2026

A DU Approve/Ineligible finding tends to trigger the same reaction: the automated system approved the borrower's credit and capacity, but something about the loan itself, usually the amount, made it ineligible for a standard sale. Most loan officers read 'Ineligible' and either assume the file is dead or brace for a full manual Non-QM rebuild from scratch.

Neither is necessary in a lot of cases. An Alternative AUS Solution follows the DU findings directly, keeping the same income and asset documentation DU already approved, with only limited overlays layered on top. The borrower doesn't get requalified from zero. The file carries forward on the same automated approval that already exists.

This shows up most often on files where the loan amount itself is the ineligible reason: an amount above the standard limit, maximum cash-out on a rate/term refinance, or a 2-unit primary purchase above 85% LTV. In each of those cases, the borrower's income and credit already cleared DU. It's the loan structure that needs a different home, not the borrower's file.

Rebuilding a declined file from scratch costs real time on a loan that may already be halfway approved.

Save this and share it with a loan officer who's walked away from a DU Ineligible finding recently.

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The best time to check USDA eligibility isn't after a buyer falls in love with a specific house. It's during the very fi...
09/24/2026

The best time to check USDA eligibility isn't after a buyer falls in love with a specific house. It's during the very first conversation, before a search even starts, because knowing a property is USDA-eligible upfront can change which listings a buyer even looks at.

This tends to matter most for buyers who'd otherwise be stretching to piece together a down payment on a conventional or FHA loan: a young family, a first responder, someone relocating for a job that pays well but hasn't left room to save yet. For that buyer, ruling out USDA before checking isn't a minor oversight. It's the difference between a comfortable closing and a stressful one.

A lot of loan officers also assume USDA and FHA overlap more than they actually do, and skip straight to FHA out of habit. They're built for different situations, and running both eligibility checks side by side takes only a little more time than running one.

Save this and check the map before ruling out USDA on your next file.

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Becoming a licensed medical professional takes longer than most career paths: years of school, exams, and clinical train...
09/22/2026

Becoming a licensed medical professional takes longer than most career paths: years of school, exams, and clinical training, often coupled with six figures of student debt in the background. It's an easy leap from there to assuming homeownership gets filed under 'later,' a reward that has to wait until the debt is paid down and the savings account has caught up.

That assumption is worth challenging, because it isn't always accurate, and most loan officers never think to correct it. The exact things that feel like they're holding someone back, the length of training, the debt, the thin savings, are already built into how this program qualifies a borrower.

None of it has to delay a home purchase. Up to 100% financing on a purchase up to $2,000,000, no mortgage insurance regardless of LTV, income from a signed offer letter or employment contract usable before the first paycheck arrives, housing allowance counted for residents and fellows, student loan payments in deferment or an income-driven repayment plan excluded from DTI during residency or fellowship, and reserves as low as zero months on loans up to $1,500,000 at 95% LTV or below.

The years a medical professional spends investing in their training were never a reason to put homeownership on hold. They just needed a loan officer who knew that and said so.

Save this and share it with a loan officer working with medical professionals.

Follow for more product education.

This kind of situation comes up more often than people think: a buyer has been priced out of traditional homes in the ar...
09/17/2026

This kind of situation comes up more often than people think: a buyer has been priced out of traditional homes in the area they want, so they start looking at manufactured or modular homes. By that point, they're often expecting the financing process to be more complicated than a typical purchase.

Realtors in exurban and semi-rural markets see this all the time. They also remember which loan officers took the opportunity seriously and which ones treated it like more trouble than it was worth. In smaller markets, where the same agents work with the same communities again and again, those impressions spread quickly.

The real opportunity isn't just closing one loan. It's becoming the loan officer a realtor calls first when this situation comes up again, rather than someone they avoid.

It's worth asking the next time one of these files lands on your desk: is the deal truly impossible to finance, or is it simply outside your usual experience?

Save this and share it with a broker who assumes manufactured homes are off the table.

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The expense factor doing this work isn't arbitrary. It's a standardized estimate of overhead by business type, built so ...
09/15/2026

The expense factor doing this work isn't arbitrary. It's a standardized estimate of overhead by business type, built so a lender doesn't need a borrower's actual receipts to make a reasonable judgment about what the business likely spends to operate. A landscaping business and a consulting practice get evaluated with different assumptions built in, without either borrower having to prove it.

That standardization is what makes this approach faster than it sounds. A borrower doesn't need to gather twelve months of expense categorization or explain a slow quarter. They need bank statements, and the program does the rest of the math using the factor already built into the guidelines.

Our bank statement program applies this approach to make self-employed qualifying more about the deposits that already happened than about reconstructing a business's finances after the fact.

The borrowers who benefit most are the ones who'd otherwise spend weeks building documentation a program like this never asked for in the first place.

Save this and share it with a loan officer who assumes Non-QM documentation is always complicated.

The hardest part of this kind of outreach usually isn't the pitch. It's picking up the phone in the first place, because...
09/10/2026

The hardest part of this kind of outreach usually isn't the pitch. It's picking up the phone in the first place, because it can feel like inventing a reason to reach out. September actually removes that problem: the reason already exists in the client's own calendar, not yours.

A simple way to prioritize the list: start with clients who closed eighteen months to five years ago. Long enough that some equity has built, recent enough that the relationship is still warm and the file details are still familiar. A short text or call, framed as a check-in rather than a pitch, tends to land better than anything that sounds scripted: 'thinking about you as the season shifts, wanted to see how the house is treating you.

Most of these conversations won't turn into anything right away, and that's fine. The ones that do tend to remember that you reached out before they even realized they needed to.

Save this and use it as a reason to check in with a past client this week.

Follow for more seasonal strategy for the broker channel.



Mortgage Broker | Wholesale Lending | TPO Lender | Home Equity Loan | Second Lien Financing | HELOAN | Client Outreach Strategy | Seasonal Mortgage Marketing | Loan Officer Tips | Mortgage Professional | Broker Channel | Non-QM Lending | Mortgage Industry Education | Third Party Origination | Home Loan Programs | Mortgage Process Education | Mortgage Broker Resources | Wholesale Lender Support | Past Client Strategy | Home Improvement Financing | Fall Homeowner Projects

We’re heading to AIME Fuse 2026! 🤝If you’ll be in Austin, come connect with the PRMG TPO team at our booth. We’d love to...
09/09/2026

We’re heading to AIME Fuse 2026! 🤝

If you’ll be in Austin, come connect with the PRMG TPO team at our booth. We’d love to meet you, catch up, and talk about how we can support your business.

📍 Austin, TX | JW Marriott Downtown Austin
📅 September 24–26

See you at AIME Fuse!

As of August 3, 2026, Fannie Mae retired its Limited Review process and Freddie Mac retired Streamlined Review, the fast...
09/03/2026

As of August 3, 2026, Fannie Mae retired its Limited Review process and Freddie Mac retired Streamlined Review, the fast-track paths that let a condo project skip a full underwriting deep-dive when a borrower put enough down. That shortcut is gone now, regardless of down payment size, and every condo project goes through Full Review instead.

The projects most likely to get caught are the ones that were always a little non-warrantable: active litigation, high investor concentration, a commercial space on the ground floor, delinquent HOA dues. Those used to slide through on a Limited or Streamlined Review. Now they don't.

That's exactly what PRMG's Non-QM programs are built for. DSCR and Income Qualifying both finance non-warrantable condos directly, up to 80% LTV on Income Qualifying and up to 75% LTV on DSCR, with no cap on the number of non-warrantable items a project has.

Litigation is fine as long as it's non-structural and doesn't threaten marketability. Investor concentration up to 100% is fine. Single entity ownership up to 30% is fine. HOA dues delinquency up to 20% of units is fine. None of it stops the file.

The Alternative AUS Solution covers non-warrantable condos too, at up to 70% LTV, for the DU 'Ineligible' loans that just need a different investor, not a different borrower.

Worth flagging any condo file already in the pipeline against these new rules, rather than assuming it clears review the way it would have a few months ago.

Save this and share it with a loan officer who has a condo file in their pipeline.



Mortgage Broker | Wholesale Lending | TPO Lender | Condo Loan | Non-Warrantable Condo | Fannie Mae Condo Review | Freddie Mac Condo Review | Non-QM Condo Financing | DSCR Loan | Income Qualifying Non-QM | Alternative AUS Solution | Condo Project Approval | Mortgage Industry News | Loan Officer Tips | Mortgage Professional | Broker Channel | Non-QM Lending | Mortgage Industry Education | Third Party Origination | Home Loan Programs | Mortgage Broker Resources | Wholesale Lender Support

Every brokerage eventually asks the same question: stay a broker or build out into a full IMB. Non-Delegated Corresponde...
09/02/2026

Every brokerage eventually asks the same question: stay a broker or build out into a full IMB. Non-Delegated Correspondent is the option that usually gets skipped over in that conversation, a way to gain more control without walking away from the relationship already in place.

It runs alongside Wholesale, not instead of it. Broker-level pricing stays the same. What changes is how much say a brokerage has once a file is submitted, particularly when a closer relationship with the investor makes a real difference.

None of this requires rebuilding the business. A PRMG brokerage can be approved for both Wholesale and Non-Delegated at the same time, so exploring the model is additive, not a leap.

Worth understanding even for a brokerage that never plans to lean on it heavily. Knowing the option exists, and how it works, is its own advantage.

Save this and share it with an owner curious about growing beyond a single channel.



Mortgage Broker | Wholesale Lending | TPO Lender | Non-Delegated Correspondent | Correspondent Lending | Broker Channel Growth | IMB vs Broker | Loan Officer Tips | Mortgage Professional | Broker Channel | Mortgage Industry Education | Third Party Origination | Home Loan Programs | Mortgage Process Education | Mortgage Broker Resources | Wholesale Lender Support | Broker Success | Correspondent Channel Options | Wholesale Lender Partnership "

Address

1265 Corona Pointe Court Suite 301
Corona, CA
92879

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Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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