OWNER-OCCUPIED
Primary residence
A home you intend to occupy as your principal residence. Compare payment, cash to close and program eligibility.
Build my primary-home planPMA HOME PURCHASE REVIEW
Buy with a documented mortgage plan.
Before you shop, review the estimated full payment, cash-to-close range, documentation needs, and next steps for your scenario.
A prequalification is preliminary and is not a loan approval or commitment to lend.
What matters before you write the offer
Real payment
Full monthly payment
Taxes and insurance included, not just principal and interest.
Cash
Estimated cash-to-close range
Down payment, costs, and reserves under the assumptions reviewed.
Documents
Prequalification path
Available information, pending verification, and next steps.
CHOOSE THE PROPERTY USE
One page for buyers. Four distinct property paths.
Occupancy changes the program, documentation, down payment, reserve and pricing conversation. Start with the property use that matches your plan.
SECOND HOME
Second or vacation home
A property for personal use that is not your principal residence. Location, use and program rules require verification.
Review a second-home scenarioNON-OWNER-OCCUPIED
Investment property
Residential real estate held for rent or investment. Continue to the Investment page for DSCR, rental and leverage analysis.
Open residential investmentINVESTMENT CATEGORY
Commercial property
Commercial real estate belongs in the Investment category and requires a business, property-income and lender-specific review.
Open commercial investmentProperty-use labels are educational starting points. Final occupancy, program, collateral, documentation and eligibility classifications depend on verified facts, underwriting and participating lender requirements.
PMA BUYING PLAN
What you leave with after one short call
A tighter conversation that organizes numbers, documents, and next steps.
Real monthly payment
See the full payment before you fall for a property that does not fit your life.
Estimated cash-to-close range
Review a preliminary range and the assumptions that may change it.
Document checklist
Organize the information needed for a more complete review.
Next steps
Identify what remains to be verified before proceeding with a specific property or offer.
PUBLISHED EXPERIENCES
What buyers and clients already say
Public reviews, multilingual support, and source details when available.
5.00
Average rating
Based on public reviews shown on the site.
48
Public reviews
Google, Facebook, and other verified sources when available.
EN / ES
Multilingual communication
Clearer communication for clients and real estate professionals.
Google
JR Gutierrez2024-07-31
HOW IT WORKS
How it works
A short process with less friction and a clearer next step.
1
Book
It takes less time than continuing to guess.
2
Review the numbers
Payment, cash, and your real scenario before you shop.
3
Leave with a plan
A clear next step, without pressure to apply too early.
BUYER SCENARIO
Plan the complete payment before you buy
Compare price, down payment, rate, and taxes in one view.
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COMMON QUESTIONS
Common objections
Short answers that clarify the next step.
I am not ready to apply yet
Good. This starts with a plan, not a push toward paperwork.
I do not know whether 3%, 5%, or more makes sense
We model the trade-off between payment, cash to close, and flexibility.
I do not want to waste time
That is exactly why the call exists: less noise before the rush starts.
COVERAGE
Coverage for real scenarios
Florida and Texas remain the licensed states. PMA can also support other states through partner referrals when the scenario allows it.
Premier Mortgage Advisors LLC is directly licensed in Florida and Texas. In other states, PMA may accept the scenario and coordinate it through an independent mortgage professional licensed in the applicable state, under a broker agreement or authorized partner arrangement when applicable. Product availability, pricing, eligibility, approval, and closing depend on the licensed partner and complete file review.
TEAM
Choose who you want to work with
Compare languages, licensed states, experience, and specialties before choosing your mortgage professional.
Start with clarity. Then decide.
Review the preliminary scenario, pending verification, and next step before completing an application.
Informational only. Not a commitment to lend. All scenarios depend on documentation, verification, underwriting, and lender approval.
Book your buying plan
Payment, cash to close, and the right next step in one short call.
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.
HELOC vs Home Equity
Buyer magazine
The offer-ready buyer path
Ideas for first-time buyers, repeat buyers, Realtors, and families planning cash to close.
Offer-ready, not just pre-approved
HELOC vs. Home Equity Loan: Which Equity Path Fits the Goal?A buyer wins trust when credit, income, assets, and assumptions are already organized.
Buyers and buyer agents
Primary residence
Primary residence
Build the payment, cash-to-close, document, and offer plan for the home you will occupy.
Second home
Second home
Review occupancy, reserves, usable income, and the carrying cost of another property.
Investors
Investment property
Compare conventional and DSCR structures before the property and rent assumptions harden.
Realtors
Realtor offer packet
Give the agent cleaner language and fewer surprises.
BUYER OPTIONS
More than one route can fit a purchase
Primary residence, second home and eligible specialty paths depend on the complete borrower and property profile.
Current review
Conventional
Flexible agency financing for qualified borrowers and eligible properties.
Current review
FHA
Government-insured financing for eligible primary residences with flexible qualification paths.
Eligibility review
VA
Primary-residence financing for eligible service members, veterans and qualifying surviving spouses.
Eligibility review
USDA
Eligible rural-area purchase financing subject to household-income and property requirements.
Profile review
Professional and doctor loans
Specialty mortgage paths for eligible medical and other professional profiles.
Funding review
Down-payment assistance
State and local assistance may support eligible primary-residence buyers when funding and program rules permit.
Documentation review
Alternative-income documentation
Bank statement, 1099, profit-and-loss, written verification and asset-based review paths.
Specialty review
Renovation and construction
Specialty paths for improvements, rehabilitation and eligible construction projects.
Complete payment view
Review principal, interest, taxes, insurance, association dues and applicable program fees together.
Scenario comparison
Keep independent scenarios open and compare payment, cash, leverage and qualifying metrics.
Guided borrower profile
Capture state, occupancy, property, work, profession, documentation, credit and eligibility signals once.
General educational program descriptions only. Availability, eligibility, rates, fees and terms require a current individualized review by a licensed mortgage professional.
Review my scenario