PRMG Wholesale Mortgage Rates, Through an Independent Broker
Wide program menu across conventional, government, and non-QM wholesale.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with PRMG and submits files directly into its wholesale channel. This page explains what PRMG is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of PRMG. This page reflects a genuine wholesale relationship Duane originates through directly.
What PRMG Is Known For
- One of the widest program menus of any single wholesale investor
- Covers conventional, government, and non-QM in one shelf
- Common search when a borrower's file doesn't fit a single program box
Program Fit & Flexibility
PRMG's wholesale guidelines generally show a minimum credit score of 580 FICO on Expanded Access non-QM program; conventional/government follow standard agency minimums (620/580), with down payment requirements of Varies by program; non-QM Expanded Access allows reduced derogatory-credit seasoning. Loan amounts and program range: Non-QM Expanded Access up to $2.5M; full conventional/government/non-QM menu. Documentation type: Full doc and bank-statement options on non-QM. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against PRMG's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
PRMG vs. a Typical Wholesale Alternative
| Feature | PRMG | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | One of the widest program menus of any single wholesale investor | Varies by lender — compare at time of application |
| Credit score flexibility | 580 FICO on Expanded Access non-QM program; conventional/government follow standard agency minimums (620/580) | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Varies by program; non-QM Expanded Access allows reduced derogatory-credit seasoning | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-QM Expanded Access up to $2.5M; full conventional/government/non-QM menu | Varies by lender and program |
| Documentation type | Full doc and bank-statement options on non-QM | Varies by lender and program |
Getting a Real PRMG Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from PRMG's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 700 credit score and 20% down on a $400,000 purchase priced through PRMG's wholesale conventional rate sheet. On a $320,000 loan at an illustrative 6.75% wholesale rate, principal and interest runs approximately $2,075/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on PRMG's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — PRMG
Does PRMG lend directly to consumers?
No. PRMG funds loans exclusively through independent wholesale brokers. To access PRMG's wholesale pricing, you work with a broker like Duane Buziak, who submits your file directly to PRMG's wholesale channel.
Is a broker-submitted PRMG loan more expensive than going direct?
No — PRMG's wholesale pricing is not available direct-to-consumer, so there is no direct channel to compare against. Duane's access is the way to reach this pricing.
What product categories are available on PRMG's wholesale shelf?
PRMG offers a comprehensive program menu under one roof, including Fannie Mae/Freddie Mac conventional loans, FHA, VA, USDA government loans, and Expanded Access Non-QM options.
How does Duane's NoTouch Credit process work with PRMG?
Duane uses a soft credit check to access PRMG's live wholesale pricing tables without triggering a hard credit inquiry or affecting your credit score during initial pricing.
What is the minimum credit score requirement for PRMG loans?
PRMG's Expanded Access Non-QM guidelines accommodate credit scores starting down to 580 FICO. Standard agency loans follow baseline guidelines (620 conventional / 580 FHA).
Does PRMG offer options for self-employed borrowers?
Yes, through their Non-QM product suite, PRMG provides bank-statement qualification programs in addition to traditional full-tax-return documentation.
What is the maximum loan limit on PRMG's Non-QM programs?
PRMG's Expanded Access Non-QM options allow loan balances up to $2.5M for qualifying primary, secondary, or investment properties.
Why work with an independent broker to access PRMG?
Working with an independent broker gives you direct access to institutional wholesale rate sheets while allowing Duane to cross-compare PRMG against 30+ other wholesale investors simultaneously.
How does derogatory credit seasoning work with PRMG Non-QM?
PRMG's Expanded Access program allows for reduced waiting period requirements following major credit events like bankruptcies, foreclosures, or short sales compared to standard agency guidelines.
Can I obtain pre-approval before choosing a property?
Yes. A soft-pull NoTouch pre-approval provides verified loan qualification limits and rate options from PRMG so you can write offers with confidence.
How fast can PRMG wholesale loans be processed?
Turnaround times vary based on documentation completeness, but broker-submitted digital originations benefit from PRMG's dedicated wholesale underwriting desks.
How does the Rate Challenge work with an existing quote?
Bring any competitor's Loan Estimate to Duane. He will run it side-by-side against PRMG's wholesale pricing to ensure you receive the most competitive rates and lowest costs.
What documentation is needed to lock a PRMG wholesale rate?
For standard full-doc programs, income tax returns/W-2s and asset statements are needed. For Non-QM bank-statement loans, 12 to 24 months of business or personal bank statements are collected.
Compare PRMG Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against PRMG and every other lender in the directory.
Bring My Quote — Dare to Compare