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Three clear answers
Timing, payment, and next step in one clean view.
Check timing, payment, and the right next step before you shop.
Best for buyers who still need a cleaner answer before jumping into listings.
Price, cash down, taxes, insurance, and total monthly payment.
A better way to screen the payment before you fall for the house.
We show the next move without vague advice or pressure.
Documents, prequalification, or strategy based on your actual scenario.
Real client reviews
Public reviews only.
“Well, my wife and I would like to thank Osmail, who was our lender, guiding us from the very beginning. We are very grateful for carrying out this process with great responsibility, always attentive every time I called him. His communication and interest were very good so that we could achieve our first little house. Thank you very much. I recommend him and his team. Thank you.”
“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!”
“We worked with Osmail first to purchase our home and then again to refinance. He was attentive, reachable, and answered our every concern and question even months after we had already used his services. He made the process very easy given his expertise in this area. Overall we couldn’t have asked for a better experience! I always recommend him to family and friends.”
“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.”
“I had an excellent experience working with my lender throughout my mortgage process. He is extremely professional, knowledgeable, and dedicated. From the beginning, he guided me step-by-step, answered all my questions clearly, and made everything easy to understand. His communication was outstanding, and I always felt supported and informed. Thanks to his expertise and patience, the entire process went smoothly. I highly recommend him to anyone looking for a reliable and professional lender. Truly exceptional service!”
“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.”
Individual results vary.
Homebuyers Calculator
See the payment before you shop.
* 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.
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Programs backed by strong wholesale relationships.
A broad set of wholesale partners helps us solve clean files and more complex scenarios with better optionality. Products and availability vary by lender guidelines and borrower eligibility.
Mortgage licenses by state
Licensed in Florida and Texas. In every other state, PMA can still help through our partner referral network.
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.
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