Private Money LendersOne in-house underwriter, quote to close
The person who quotes the deal signs the closing docs. No hand-off to a third party. No second underwriter after term acceptance. Your client gets a single phone number for the whole file.
Partners · Brokers & correspondents
Lend with our balance sheet. Keep your name on the relationship.
Two tracks for originators: brokered lending and correspondent seller. In both, the same in-house underwriter quotes the deal, signs the closing docs, and runs the file end-to-end. Your client sees one wire, one set of docs, one underwriter — not a chain of capital partners.
Why originators choose PML
A direct lender behind every file, not a capital marketplace.
PML funds with our own balance sheet, underwrites in-house, and services the loan after close. There is no table-funding, no correspondent shopping the loan to a third party, and no second loan committee after you accept terms.
Brokered or correspondent — your structure, our paper
Pick the track that fits your business. Brokered for originators who want PML on the note. Correspondent for sellers who close in their own name and assign post-close.
All 50 states, same desk
PML lends in every state. Out-of-state deals do not get routed to a regional partner or stalled on jurisdictional licensing — the same desk that handled your last Texas file handles your next Vermont one.
Full short- & long-term product set
Ground-up construction, fix & flip, bridge, DSCR rental, and multi-family. One application form covers all five. Pick the product that fits the deal, not the deal that fits a narrow program.
Two tracks
Pick the partnership that matches how you run your shop.
Both tracks share the same underwriting team and product set. The difference is who is on the note at close and what the licensing and net-worth requirements look like on your side.
Brokered lending
For mortgage brokers and originators who want PML on the note. You bring the deal, we underwrite and close in our name. Closing protection insurance covers the wire. You receive a broker fee at closing, disclosed on the settlement statement.
Experience
- 2+ years in business or principals with 5+ years of industry experience
- Sound financials for newer firms
Legal standing
- Duly organized and validly existing
- Good standing in the jurisdiction of organization
- Qualified to transact business wherever the loans originate
- Authority to sign the PML Broker Agreement
- Notify PML of any litigation or judgment within 30 days
Licensing
- All licenses required for the jurisdictions where the mortgaged properties are located
Correspondent seller
For originators who close investment-quality first-lien residential mortgages in their own name and sell them to PML post-close. You retain origination revenue and the borrower-facing role; PML buys the loan and services it.
Experience
- Active originator of first-lien, investment-quality residential mortgages
- 2+ years in business or principals with 5+ years of experience
- Sound financials
Capital & insurance
- Net worth
- $250,000 minimum
- Cash
- $50,000 minimum
- E&O coverage
- $200,000 minimum
- E&O deductible
- $50,000 maximum
Legal & licensing
- Duly organized, validly existing, and in good standing
- Qualified in every origination and servicing jurisdiction
- Authority to sign the PML Correspondent Mortgage Loan Purchase and Sale Agreement
- Properly licensed for loan origination and warehousing
- No active litigation or judgments at the time of approval
How partnering works
From application to first funded deal in two weeks.
Most originators are approved and submitting their first PML deal within ten business days. The bottleneck is usually licensing verification — not internal queue time.
Submit the partner application
Tell us which track fits, what states you operate in, and your typical monthly origination volume. The form on this page routes directly to the partner-onboarding desk.
Document review & counter-signature
We send the Broker Agreement or Correspondent Purchase and Sale Agreement, request your licenses and E&O certificate, and counter-sign on our end. Typical turnaround: 3–5 business days.
Portal access & rate sheet
Your firm is provisioned on the broker portal at app.privatemoni.com. You get the current rate sheet, the matrix of states where you are cleared, and a direct line to your assigned underwriter.
Submit deals, get paid at close
Run scenarios through the portal. Indicative terms back within four business hours during PT business days. Broker fee or correspondent purchase price disbursed at funding per the executed agreement.
Apply to partner
A real person on the partner desk replies the same business day.
No automated drip campaign. Fill in the basics below and we will be back in touch with the right onboarding packet for the track you picked.
Have a deal in front of you right now?
Indicative terms come back within four business hours during PT business days. No application fee, no soft credit pull until you accept terms.