Most of my business is in California and New Jersey, but I serve clients through PRMG's national lending platform and am licensed in 49 states, excluding New York. That means clients relocating across the country, investors building multi-state portfolios, and out-of-state referrals all get the same advisor relationship and program access.
PRMG is one of the largest privately-held mortgage banks in the U.S., with the program breadth to handle nearly any borrower scenario, including state-specific DPA, USDA-eligible rural areas, VA for veterans relocating, and non-QM for self-employed buyers in any market.
PRMG is licensed in 49 states, excluding New York.
Multi-state investor portfolios using DSCR, relocation buyers using bridge or contingent purchase strategies, professional borrowers using doctor/attorney loan programs, and self-employed clients leveraging bank statement and P&L programs across state lines.
Run the tools, see what fits, then talk it through with a real advisor.
Real questions from real buyers, answered specifically for this market. Program availability, eligibility, and pricing are subject to underwriting and program guidelines and can change.
PRMG is licensed in 49 states, excluding New York. That covers the full 48 contiguous states minus NY, plus Alaska and Hawaii. If your next home is in NY, I can refer you, we just can't originate there.
You get one advisor on your file regardless of destination state, but each state has its own disclosure timing, transfer tax structure, and closing conventions (attorney closing states vs. escrow states, wet-funding vs. dry-funding). We build your pre-approval against the destination state's rules so nothing surprises you at the closing table.
Yes, common paths include bridge financing, contingent purchase with a home-sale contingency, or qualifying with both mortgages if reserves and DTI allow. For some borrowers, a HELOC on the departing residence funds the down payment. The right tool depends on equity, timeline, and risk tolerance, subject to program eligibility and underwriting.
DPA programs are state (and often county) specific, so eligibility resets when you move. You typically need to be a first-time buyer or haven't owned in 3 years, meet income limits for the destination county, and use an approved loan officer for that state's program. I'm approved with the major state HFAs across the states I lend in.
Below are the programs available across PRMG's 49-state footprint, DSCR for multi-state investors, bridge and contingent purchase for relocation buyers, physician and attorney loan programs for professional borrowers, and bank statement / P&L Only for self-employed clients. Pick what fits your situation.