The First Sovereign Consumer Mortgage Intelligence Platform. Take Control Before You Choose a Lender.

From personalized mortgage scenarios to expert loan estimate audits, PMG helps you understand your options, prepare your strategy, and make informed decisions before choosing lender.

Everything you need for smarter mortgage decisions

A mortgage partner, for life.

For a $19.99 lifetime membership PMG combines human expertise with modern tools to give you clarity, savings, and confidence — from your first inquiry to years down the road.

Create Your Own Mortgage Terms™

Know what you want before a lender tells you what you get.

Pact Mortgage Group

helps you build a personalized target mortgage scenario based on your financial profile, goals, and current market conditions. Understand the terms you want to pursue before entering the lender conversation.

Your mortgage should start with your strategy—not someone else’s sales process.

Create your target:

Desired payment

Loan structure

Down payment strategy

Rate goals

Closing cost expectations

Refinancing objectives

Then use your custom mortgage strategy as your guide when comparing lender options.

You choose the lender. You control the conversation. Pact helps you prepare.

Lifetime Membership

Pay once. Return anytime you need trusted mortgage guidance.

Personalized Guidance

Scenarios and recommendations tailored to your specific goals.

Expert Mortgage Reviews

Line-by-line audits that catch what most borrowers miss.

Trusted Advisors

Independent professionals, working only in your interest.

Consumer Education

Simple explanations that turn mortgage jargon into confidence.

Return Anytime

Life changes — your PMG membership adapts with you.

We built PMG for the borrower — not the lender.

Our mission is to give every homeowner and buyer access to the kind of independent mortgage advice previously reserved for insiders. Our vision is a world where no one signs a loan they don’t fully understand.

Borrowers guided

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Loans reviewed

$ 0 M

Member rating

0 /5

Avg. audit turnaround

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Guidance for every stage of your mortgage.

Three focused services designed to help you choose confidently — whether you’re buying today or preparing for tomorrow.

Mortgage Scenarios

Model buying, refinancing, and payoff strategies with an advisor.

Planning for Later

Build a personalized roadmap for the mortgage you'll need in the future.

Mortgage Estimate Audit

Independent, line-by-line review of your loan estimate — in under 24h.

Where are you on your mortgage journey?

Pick the path that fits — we’ll tailor the next steps around your situation.

Seeking a Mortgage Now

You’re ready to buy or refinance. Start a guided inquiry and we’ll match you with the right scenarios and advisor.

Planning for Later

You want to be ready when the time comes. Build a plan today so your mortgage works for you tomorrow.

Have a loan estimate? Let's make sure it's fair.

Upload your loan estimate and our advisors will audit it line-by-line for inflated fees, rate mismatches, and hidden costs — with a written report delivered to your inbox.

Loan Estimate — Preview

Origination charges

$3,240

Services borrower can shop

$1,180

Taxes & government fees

$412

Prepaids

$2,110

Initial escrow

$920

Real people. Real savings.

“PMG caught $6,400 in unnecessary fees on our loan estimate. It paid for our membership 40x over.”

Alicia R.

First-time buyer

“The lifetime access is genius. Every time our situation changes we come back and re-run scenarios.”

Marcus T.

Homeowner

“Felt like having a financial advisor and a mortgage broker in one — but on my side.”

Priya K.

Refinanced 2024

Frequently asked questions

What is a PMG Lifetime Membership?

PMG Lifetime Membership is a one-time subscription that gives you ongoing access to expert mortgage guidance, tools, and audit services without recurring fees. It is designed to support you throughout your entire home financing journey—from initial loan estimates to closing and beyond.

Do you originate mortgages?

No, PMG does not originate or fund mortgages directly. Instead, we act as an independent advisory service that helps you analyze, review, and optimize mortgage offers from lenders to ensure you’re getting the best possible deal.

How does the Mortgage Estimate Audit work?

Our Mortgage Estimate Audit is a detailed review of your lender’s Loan Estimate or closing documents. We:

Analyze interest rates, fees, and hidden costs
Identify potential overcharges or unnecessary add-ons
Compare your offer with market standards
Provide clear recommendations to help you save money

This ensures you fully understand your mortgage and avoid costly mistakes before closing.

Is my data secure?

Yes, your data is handled with strict confidentiality and industry-standard security measures. We use secure systems and encryption protocols to protect your personal and financial information at every step.

Can I use PMG if I already have a lender?

Absolutely. PMG is designed to work alongside your existing lender. Even if you’ve already received a mortgage offer, we can review it, audit the terms, and help you negotiate better conditions if needed.

Ready to Begin Your Mortgage Journey?

Join thousands of borrowers making smarter, more confident decisions with PMG.