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Should you buy now?
- Payment comfort
- Cash needed to close
- Clear next step
PMA Loans: purchase, refinance, and mortgage investment
Ask Luna!
Premier Mortgage Advisors LLC | NMLS #2566750 | Equal Housing Lender
Licensed in Florida and Texas.
Information on this site is for estimate and workflow support only and is not a loan approval, commitment to lend, or rate lock.
Luna reads the path
Four signals before the next move
Luna keeps the homepage open and focused, then brings the useful decision points right after the hero.
PMA GUIDE
Ask Luna first
- Tell the scenario
- Compare programs
- Avoid the maze
REAL PAYMENT
Numbers before the house crush
- Taxes and insurance
- Down payment modeled
- MI and APR view
NEXT STEP
Get pre-approved
- Cleaner letter
- Better offer strategy
- Less guessing
Premier Mortgage Advisors
Built for Buyers, Homeowners (Refinance), Investors, Realtors, and high‑performing Mortgage Brokers.
Five clear paths. Pick your lane, then schedule online in minutes.
For homebuyers
Request Your Pre‑Approval Today!
Get clarity fast. Ask questions, compare options, and understand your path with confidence. Take the next step without waiting on business hours. Explore smarter mortgage choices tailored to your goals. Get a pre‑approval plan in less than 60 minutes.
For homeowners
Explore Refinance Options.
Whether you're reducing your payment, pulling cash‑out, or restructuring debt — refinancing should be strategic, not rushed. Review your options, compare scenarios, and see what actually improves your financial position between a second line of credit (HELOC) or HELOAN while keeping your lower mortgage rate.
For investors
Explore DSCR Programs
Financing designed for real estate investors — from single rentals to full portfolios. DSCR loans, cash‑out strategies, and flexible programs built to scale investment growth.
For Realtor Partners
Same‑Day Pre‑Approval!
Protect the deal and elevate your client experience. Offer‑ready pre‑approvals, same‑day strategy calls, and proactive communication so transactions move smoothly from contract to closing.
For Mortgage Brokers
PMA Is Hiring, Join Us Today!
A high‑trust platform built for experienced Mortgage Brokers. Compliance‑first systems, operational support, and technology that allows brokers to move faster without sacrificing quality. Built for professionals who want to grow production with the right infrastructure.
Buy, refinance, invest
Start with your goal
Three primary routes so Luna and PMA can move you to the right next step.
Refinance
Compare scenarios, break-even, equity, and whether the move truly makes sense.
Educational information only. Not a commitment to lend. Subject to underwriting, verification, and lender guidelines.
Realtors
For Realtors: clarity, speed, and updates
PMA protects the deal with strong pre-approval, clean communication, and proactive follow-up.
Updates that protect your reputation
Clear messages for the borrower, buyer agent, and listing side without extra noise.
Deal rescue
When financing gets stuck, PMA reviews structure, lender path, and alternative options.
Clear Path
Editor's pick
Start with the right mortgage story
Every visitor arrives with a different reason. PMA routes that reason into a cleaner next step.
Luna-guided workflow
How Luna helps you move from question to clear next stepThe site should not feel like disconnected pages. Luna connects intent, documents, payments, and next steps.
Borrowers, Realtors, and PMA team
Our team
Choose who you want to work with
Pick your broker.
★Public reviews
Real reviews
Google, Facebook, and more.
★★★★★
Google
17
Facebook
3
SocialSurvey
28
Published
48
Average
5.0★
Reviews
Real client reviews
Public reviews only.
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
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.
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
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.
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
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.
Individual results vary.
MortgageCalculatorSection connects this calculator to CompanyBookingSection for a guided PMA next step.
PMA Mortgage Calculator
Homebuyers Calculator
See the payment before you shop.
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 v2026-07-02. Verify guidelines, pricing, lock and underwriting before quoting.
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.
Our wholesale partners
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.
COVERAGE
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.
City motion
Local market pages should feel alive
The first animated city route is Miami Beach on Alton Road, with the same modern SVG language rolling into the city library.
Miami Beach route
Alton Rd / Art Deco / Beach cottages
PMA city SVG
Miami Beach
PMA city SVG
Doral
PMA city SVG
Houston
Google
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.
Prequalification
60 minutes to review numbers, documents, and build a clear path to pre-approval.
Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: Start with the call that best matches where you are today.