About the JD.Mortgage Team at PRMG
We help people buy and refinance homes across 49 states (not New York). We follow agency rules, do not add extra overlays, and we know how to structure tough files the right way.
NMLS #75243 • Equal Housing Lender • Paramount Residential Mortgage Group, Inc. (PRMG)
Who We Are
The JD.Mortgage team at PRMG is a hybrid lender and broker. That means we can lend directly in-house or broker a loan when it helps you. You get more options and a faster path to the right approval.
We work with first-time buyers, move-up and relocation buyers, investors, and military families. We speak in plain language and keep the process simple.
How We Work
- Agency-first, no overlays: We follow VA, FHA, USDA, and conventional rules as written. No extra credit score rules added on top.
- Creative within the rules: We structure files to fit agency guidance. If it can be done inside the rules, we work to get it done.
- Clear steps: We explain each step, the docs we need, and what happens next. Short tasks, one at a time.
- Fast response: You get status updates and quick answers. No vanishing acts.
Who We Serve
- Veterans and active-duty: VA loans, manual underwriting, multi-unit owner-occupied, and complex scenarios.
- Everyday buyers: FHA and conventional loans for buying or refinancing.
- Self-employed and investors: Non-QM options like bank statement, DSCR, and asset-depletion loans.
- Homeowners with equity goals: Second liens and HELOCs, including the Lightning Equity Hybrid HELOC.
What Makes Us Different
- No overlays: We do not add extra credit rules that block approvals.
- VA expertise: We understand entitlement, residual income, and manual underwriting. We help files other lenders avoid.
- Hybrid model: We can lend in-house or broker out to widen options.
- 49 states: We serve across the country except New York.
- Real guidance: We use straight talk and simple math so you know your numbers.
What This Means for You
You get a team that looks at your whole file, not just a credit score. We explain your options, show the trade-offs, and help you choose the path that fits your budget and timeline. If there is a way to approve your loan within agency rules, we work to find it.
Keep Learning
Licensing & Compliance
Paramount Residential Mortgage Group, Inc. (PRMG) • NMLS #75243 • Equal Housing Lender. Programs, rates, and terms are subject to change. Not a commitment to lend. All approvals are subject to underwriting and agency guidelines.
Note: For VA loans, the VA does not set a minimum credit score requirement. Lenders must evaluate the full file under VA guidance, including residual income, liabilities, and stability of income. See the VA Home Loan resources at VA.gov.
FAQs
Do you have a minimum credit score?
For VA loans, there is no VA-set minimum credit score. We review the whole file under VA guidance. For other loan types, we follow agency rules without adding extra overlays.
Can you help if another lender said no?
Often, yes. We re-review your file under the actual agency rules. Many denials come from overlays or misunderstandings. If a path exists within guidance, we work to find it.
Are you a lender or a broker?
Both. We are a hybrid lender and broker. We lend in-house and also broker when it opens better options for you.
Where do you lend?
We serve 49 states. We do not lend in New York.
How fast can I close?
Timing depends on the loan type and your documents. We keep the steps simple and stay in touch so you know what is needed and when.
Talk With Us
Ready to run numbers or get a second look? We’re here to help.