Every Financial Services firm has principles. And most of the time they probably sound exactly the same. We believe PCMA is different in almost every way. Our principles were deliberately created with you in mind.
We serve only sophisticated homeowners, just like you. That’s why we have built our firm on the foundation of suitability lending. You work with one mortgage advisor, who is paid a salary and not on commission, that is dedicated to working with you and for you, based solely on your needs and not those of the firm. We did this on purpose. You shouldn’t have to call a faceless bank with a homogenized call center for advice only to get treated as one of millions of people they do business with. You need to talk with someone who knows you and understands what you’re working towards. That’s why PCMA believes the relationship between you and your mortgage advisor is one of the most important aspects of successful homeownership.
We also offer non QM programs: self-employed, bank statement program, investors, etc.
Our Core Principles
PCMA is guided by a set of unique principles that have shaped every part of our business. You’ll see this in everything from how we build client relationships to the mortgage management strategies we recommend. In a world of point-and-click solutions, our approach may not be right for everyone. But we’ve learned through decades of experience that it’s a way of helping you succeed.
Focus on You — We focus on one client, the sophisticated homeowner looking to maximize the return on their single largest investment. All aspects of our business support this. Everything we do is aligned to help us better understand and meet your unique needs.
We like to work with clients who share our view of mortgage management. Rome wasn’t built in a day, and neither is successful homeownership. We’ll help you define your goals and make steady progress toward them over time. So whether you have a condo or a castle, our financial advisors will work with you to develop an appropriate strategy. We value every homeowner.
Our Mortgage Management Philosophy — Our philosophy emphasizes quality and maximum return on dollars spent. We strive to avoid financing that we believe is confusing or likely to disappoint.
Our philosophy is based on a set of trade-offs. We have clear guidelines around what we do and don’t recommend. We believe focusing on client needs, custom-tailored solutions and maintaining a long-term perspective are the key ingredients to reaching your goals. All three of these elements work together; it’s not enough to follow one or two. This approach should help reduce major disappointments along the way. Your mortgage advisor will work with you to make sure this philosophy is the foundation of your mortgage management strategy.
Relationships Are Key — Our mortgage advisors are excited to meet with you to understand you’re financing needs. Our staff members are welcoming, accessible and available to you at a moment’s notice.