Trusted Mortgage Partner
Our Services
Buying your first home? We walk you through pre-approval, down payment options, and closing day — in plain language, so you always know what comes next. No rental history? Living with family? We have programs for that.
Building a rental portfolio or funding your next flip? We match you with DSCR, bank statement, and hard money for fix & flip and new construction — based on the deal’s numbers, not endless paperwork.
Not sure which program fits? Tell us your situation and we narrow it down — Conventional, FHA, VA, ITIN, Jumbo and more — to the one that actually makes sense for you.
Our Loan Programs
The Right Loan for Every Borrower. Finding the right loan is the difference between a deal that closes and one that falls apart. With access to a wide network of lenders and non-traditional programs, we match you with the product that actually fits your situation.
Conventional Loans — Flexible options for well-qualified borrowers.
FHA Loans — Built for first-time buyers who need a lower down payment.
VA Loans — Financing for veterans, active service members, and eligible spouses.
ITIN Loans — For borrowers without a Social Security Number.
Bank Statement Loans — For self-employed borrowers and business owners whose tax returns don’t tell the whole story.
DSCR Loans — For rental property investors. Approval is based on the property’s income, not your personal income.
Hard Money — Fix & Flip and New Construction — Short-term financing for renovation projects and ground-up builds, with rehab costs included in the program.
Jumbo Loans — Financing above conventional loan limits.
José Parra y María Victoria
Fabián Martín
Bobby - VA
Alejandro y Lixania
Luis Camaraza
Carlos y Elizabeth
Jesús Serrano y Mayra Manrique
Client Reviews
About
our company
Your Mortgage, Made Simple.
At PM Lending Solution, we believe that financing your home shouldn’t be confusing or overwhelming. That’s why we’re committed to providing clear guidance, honest advice, and smart loan solutions tailored to your needs.
Founded by Simón Puleo, a licensed loan officer and real estate expert, PM Lending Solution was built to serve clients with a personal, high-performance experience — whether you’re buying your first home, refinancing, or investing.
With access to a wide range of lenders and loan programs — from FHA, VA, and Conventional to ITIN, DSCR, and Bank Statement loans — we make sure you’re matched with the right product at the right rate.
💬 What Makes Us Different?
Personalized loan strategies
Fast pre-approvals and smooth closings
Bilingual support (English & Spanish)
Real estate investment experience
Transparent communication at every step
We don’t just process loans — we guide your journey home.
🤝 Want to Work With Us?
Whether you're a Realtor looking for a reliable lending partner, or a Loan Officer ready to grow under a modern, tech-forward brokerage, PM Lending is the place to build and win together.
📩 Let’s connect and explore how we can collaborate.
What Makes Us Different
Same-day pre-approval. Send us your documents and you get a real pre-approval letter the same day — not a pre-qualification based on what you tell us over the phone. Listing agents know the difference, and so does the seller reviewing your offer.
We close fast on conventional financing. Conventional, FHA and VA typically close in 6 to 15 days from executed contract. Investment and non-QM programs run 20 to 40 days, because the underwriting is heavier. We tell you which one you’re in from day one.
Bilingual support — English and Spanish. Clear communication in the language you’re comfortable making a six-figure decision in.
Real estate investment experience. We invest in real estate ourselves. When we look at your deal, we’re reading the same numbers you are.
We answer in the evenings. Deals don’t wait for business hours. Neither do we.
For Realtors
Your client’s financing shouldn’t be the part you worry about. You’ve done the work: found the property, negotiated the deal, managed the expectations. Then the loan goes quiet and you’re the one calling for updates. That’s the part we fix.
Same-day pre-approval letters. Your buyer sends documents, you get the letter the same day. Real pre-approval with verified documents — the kind that holds up when the listing agent starts asking questions.
6 to 15 days to close on conventional, FHA and VA. From executed contract. Investment and non-QM programs take 20 to 40 days, and we’ll tell you which track you’re on before you write the offer — not after.
We work in your channel, not ours. Most agents prefer WhatsApp. We open a group with you, your client and us, and everything happens there in the open. If you’d rather run it by email, we run it by email. Your client’s file, your rules.
Listing agents get a weekly update. Every week of the transaction, the listing agent on the other side gets an email from us with where the loan stands. They don’t have to ask you, and you don’t have to chase us. It’s a small thing that makes your buyer’s offer easier to accept.
Evening availability. Offers get written at night. We answer at night.
Programs that keep your deal alive. Not every buyer fits a conventional box. We work with buyers who have no verifiable rental history — living with family, new to the country, or simply never had a lease in their name. First-time buyers who assume they won’t qualify. Self-employed borrowers, through bank statement programs. Borrowers without a Social Security Number, through ITIN programs. And investors — DSCR, fix & flip, and new construction. When another lender tells your client no, that’s often the point where we start.
Frequently Asked Questions
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A loan for rental property investors where approval is based on the property’s rental income rather than your personal income. No tax returns, no W-2s, no debt-to-income calculation on you personally.
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We work with DSCR programs starting at a 640 FICO. A higher score generally means better terms.
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It depends on your profile, the property, and the lender. Foreign national borrowers should expect to bring more cash to closing than US citizens or residents. Send us your scenario and we’ll give you real numbers instead of a range that may not apply to you.
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Not always. There’s flexibility depending on the scenario and the lender. Bring us the deal before you assume it doesn’t work.
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Yes. Rates on short-term rental programs are typically higher than on long-term rentals, so it’s worth comparing both before you decide.
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Yes. Closing in the name of an LLC is allowed on our investment programs.
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Generally 20 to 40 days from executed contract. Non-QM underwriting is more manual than conventional, which is why it takes longer.
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Fix and flip, and new construction (ground-up builds). Terms typically run 12 to 16 months.
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We have programs that include the rehab budget, not just the acquisition.
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Experience is the single biggest factor in your terms. If you’ve completed projects before, you’ll see it in your numbers. If this is your first one, the deal can still work, but expect more conservative terms and more cash in.
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We’re licensed in Florida. For investment properties in other states, contact us and we’ll check availability for your scenario.