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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 t

he 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.

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.

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08/27/2026

Here's the decision most loan officers never actually make themselves: they let the AUS make it for them. If the system returns an eligible waiver, it gets accepted, no second thought given to whether the borrower or the deal is actually better served by skipping it.

Picture a purchase in a neighborhood where comps are inconsistent, or a borrower who negotiated hard on price and would benefit from an appraisal coming in low enough to renegotiate. Take the waiver automatically in either scenario, and the file closes faster while quietly removing a tool that could have worked in the borrower's favor.

Eligibility from Fannie Mae or Freddie Mac also isn't the same as approval from every investor or every loan type. Some overlays still call for a full appraisal regardless of what the AUS returns, which means the decision isn't as automatic as the eligibility flag makes it look.

The fastest path isn't always the best one. Before you accept a waiver by default, ask what the borrower actually needs out of the valuation, not just what the system is willing to skip.

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08/25/2026

This is where a lot of loan officers underestimate their own pipeline. A retiree who says 'I don't have a paycheck anymore, but I'm comfortable' isn't handing you a decline. They're handing you a program, if you know to look for it.

The financial advisors, wealth managers, estate attorneys, and CPAs already active in your market are having these conversations every week. They just haven't been thinking of their clients as mortgage-ready, because most lenders never gave them a reason to. One relationship with an advisor who works with retirees can generate more of this business than a season of general marketing, because that advisor is already sitting across from the exact borrower this program was built for.

The same mismatch shows up in a client who just sold a business. The proceeds are sitting in an account, not yet restructured into anything that looks like income, and the timeline to buy a home doesn't always wait for that to happen. Different life stage, same fix.

Before you decline on income, run the numbers a different way. A pay stub is one version of a borrower's financial picture. It isn't the only one, and it isn't always the accurate one.

Save this and share it with a loan officer working with retirees or high-net-worth clients.
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08/20/2026

Non-QM wasn't just built for credit challenged borrowers. It was built for borrowers the conventional box was never built for.

Picture a borrower who owns four short-term rentals across two states. Her personal tax return shows almost no income, because every property is structured to minimize it. A conventional lender looks at that return and sees a low-income borrower who barely qualifies for anything. An investor-focused lender looks at her portfolio and sees four cash-flowing assets carrying themselves. DSCR qualifies the deal on the property's income against the payment, not her personal return, so her actual finances never have to be the obstacle.

As she scales past four properties, the questions get more specific: loan amount capacity, reserve requirements, how many financed properties she can carry at once. Those aren't dealbreakers. They're structure questions, and they have answers.

She isn't a hard file. She's a well-qualified investor who's been asking the wrong lender the right questions. The right lender already built the program for her.

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08/19/2026

Here's what that difference actually looks like in a normal week. A loan officer sends over a scenario that feels routine: self-employed borrower, decent credit, nothing obviously unusual. A weak AE relationship processes it as routine and moves on. A strong one asks one more question, notices the income structure doesn't quite fit the program being quoted, and flags it before the file gets built around the wrong assumption. Nobody sees that catch happen. It just shows up later as a file that never stalled.

That's the part that's hard to evaluate from the outside. Responsiveness is easy to measure: does the phone get answered, does the email get a reply. Judgment isn't, and judgment is the thing actually protecting your pipeline. It only becomes visible over enough deals to notice the pattern: the files that move without drama, the scenarios caught early, the questions answered before you had to ask them.

If you want a quick read on where your relationship actually stands, look back at your last five complicated files. Count how many times your AE caught something before it became a problem, versus how many times you found out about an issue from an underwriter instead.

That ratio tells you more than any pitch could, and it's not a knock on any one AE. It's the difference between someone doing a job and someone who's actually in the deal with you.

Save this and share it with a loan officer who's never had a real AE relationship.
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08/18/2026

Sometimes a deal doesn't fall apart due to the interest rate. It falls apart at the parts nobody double-checked, and right now, insurance is one of the biggest ones.

2026 marks the fifth straight year of rising homeowners insurance premiums, with the national average climbing to roughly $3,057 a year. In higher-risk states, the number is far more dramatic. Florida homeowners are commonly paying $5,500 to $11,000 a year depending on the county and proximity to the coast. Insurance is part of the housing payment that gets factored into DTI, which means a premium that comes in higher than what was estimated at pre-approval can push a borrower's ratio past the line by the time they're ready to close.

The gap usually shows up in predictable places: a pre-approval built on an estimated premium from months earlier, a property in a higher-risk zone the borrower didn't budget for, or an actual insurance quote that lands well above what everyone assumed. Getting a real quote early in the process, instead of an estimate, catches the problem while there's still time to work around it.

The rate gets all the attention. The insurance bill is what's quietly deciding whether the math still works.

Save this and use it on your next file in a higher insurance-cost area.

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08/17/2026

🌵 We're headed to the AZAMP Annual EXPO 2026!

If you'll be in Scottsdale, be sure to stop by and say hello! We'd love the opportunity to connect, learn more about your business, and show you how PRMG can help support your success.

📍 Talking Stick Resort
Scottsdale, AZ

🗓️ August 27–28, 2026

Whether you're looking to grow your business, explore new lending solutions, or simply connect with our team, we look forward to seeing you at AZAMP!

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08/13/2026

September 15 is the deadline for Q3 estimated tax payments, and for a lot of self-employed borrowers, that means sitting down with their accountant well before then to figure out what they owe.

That process happens to produce exactly the information a bank statement or CPA-prepared P&L qualification is built around: real income and expense numbers, reviewed while they're fresh, not filtered through a full tax return yet. It's also the moment write-offs come into sharpest focus. The same deductions that lower a self-employed borrower's tax bill are often what shrinks their qualifying income on a conventional file. Once the return is finalized months from now, those numbers are locked in for any conventional review.

That makes the weeks before September 15 a natural opening to have the mortgage conversation, not after the return is filed and the picture is set. A borrower whose business had a strong year may qualify for more than they assume, especially if this year's numbers don't look like last year's return.

Reach out before the deadline, not after.

Save this and share it with a loan officer who works with self-employed borrowers.

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08/12/2026

A $38,000 deposit showed up in a self-employed borrower's account two months before closing. No letter. No explanation. Just a number sitting there.

The underwriter's first read was the obvious one: unsourced funds, can't be counted, the deal doesn't work at this loan amount. That's where a lot of files sit for weeks while everyone tries to figure out what happened after the fact. In this case, the deposit turned out to be a client payment tied to an invoice already sitting in the borrower's own business records. It just hadn't been documented that way yet. One paper trail later, the funds were sourced, and the file moved forward exactly as planned.

Same borrower. Same deposit. Completely different outcome, because someone asked the right question early instead of letting the underwriter discover it cold.

The lesson isn't really about this borrower. It's about the pattern. Large deposits aren't the problem. Undocumented large deposits are. Caught before submission, it's a five-minute conversation. Caught in underwriting, it's a stalled file and a nervous borrower.

Save this and use it on your next review before submission.

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08/11/2026

Most of the friction here isn't really about the mortgage. It's about how early a family starts treating the move as real. Orders arrive with a report date attached, but believing the move is actually happening tends to lag behind the paperwork by weeks. That gap is exactly where a loan officer who reaches out early earns trust that a lender who waits for the phone to ring never gets.

The families who handle this best usually aren't relying on a lender in isolation. They're getting steered by a relocation-focused real estate agent, a base housing office, or a spouse network that already has a shortlist of who handles PCS financing well. Building relationships with those referral sources matters more here than in almost any other niche, because by the time a family starts searching on their own, they've often already been pointed toward someone.

Orders also change. A report date can move up, get extended, or shift to a different duty station entirely, sometimes with very little notice. The loan officer who builds in a buffer instead of planning against a single fixed date is the one who doesn't get caught flat-footed when that happens.

None of this is complicated. It just requires treating the calendar as seriously as the family already is.

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Address

1265 Corona Pointe Court Suite 301
Corona, CA
92879

Opening Hours

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

Telephone

+18667764937

Website

https://www.prmg.net/wholesale/

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