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PS Mortgage Lending is a Veteran Owned and Operated,
Licensed Mortgage Lender and Licensed Mortgage Broker Business

PS Mortgage Lending is a boutique Mortgage Company headquartered in beautiful Miami, Florida with an office in Houston, Texas.  PS has many Licensed Mortgage Loan Originators spread throughout Florida and Texas, and has been in business and licensed in Florida since 2012.

The owner, Phil Stevenson, has been interviewed and quoted in Forbes 3 times as a mortgage expert, and has been flown to Washington, DC multiple times by regulators to take part in rewriting the National Mortgage Licensing Exam with other Subject Matter Experts.  Click here to learn more about the story behind PS Mortgage Lending and Owner Phil Stevenson aka “Mortgage Nerd”.

Mortgage Inquiry

Mortgage Nerd Videos

The Nerd makes it easy to understand the complex.

Watch the most recent videos about what’s going on the industry – learn from the Mortgage Nerd!…

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#1vet2another is about taking care of fellow veterans, and what we live by at PS!

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Mortgage Nerd has a degree in economics and not just a 24 hour mortgage class.  Click below to see the weekly rate update videos.

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Mortgage Programs

There are many reasons why using a hybrid lender that can both lend directly or broker would benefit you more than going directly to big retail banks or lenders.  For more information…

please call (888)845-6630
or (305) 791-4874


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VA Mortgage

The VA Loan is made for veterans, military members currently serving in the U.S. military, reservists, and surviving spouses. It can be used to buy single-family homes, condominiums, multi-unit properties, manufactured homes, and new construction. Simply put, it’s […]


VA Jumbo Mortgage Loan

VA Jumbo

But what if you’re purchasing something larger? The VA Jumbo is basically a VA Mortgage with a loan amount over the lending limit in your area, BUT as of January 1, 2020 there is only 1 different between a […]


Reverse Mortgage Loan

Reverse Mortgage Loan

The FHA reverse mortgage is a mortgage loan available to homeowners, 62 years or older, that allows them to convert part of the equity in their homes into cash. This is done by taking any combination of lump sum, […]



Jumbo Reverse Mortgages

In 2017, the FHA Reverse Mortgage or HECM (click here to learn about the HECM) became less attractive to borrowers, and there was worry the “viability” of the HECM was in jeopardy. So the largest reverse mortgage lenders began […]



Conventional & FHA Mortgage

Conventional Mortgages are Fannie Mae and Freddie Mac mortgages, and usually require a larger down payment than the Government Insured mortgages above, but you can still bring less money to close and have Private Mortgage Insurance (PMI) added if you […]



FHA Mortgage

The most basic form of FHA Mortgage is for a buyer who has a down payment of 3.5% or more. There is a common misconception that FHA Mortgages are only for first time home buyer. This is not the […]



Jumbo Mortgage

Whether your county lending limit is $510,400 or $765,600, if you go above that limit, you are not longer in the realm of the conventional mortgage. There are High-Balance Mortgage Loans, which are not as large or as strict as […]



High Balance

Whether your county lending limit is $510,400 or $765,600, if you go above that limit, you are not longer in the realm of the conventional mortgage. There are High-Balance Mortgage Loans, which are not as large or as strict as […]


Reverse Mortgage Loan

Bank Statement Loans

This is the largest and most popular program with the Non-Qualified Mortgage or Non-QM arena. It is primarily, but not limited to, self employed borrowers who make more money than is shown on their tax returns. What do I mean? […]


USDA Mortgage Loans.

USDA Mortgage Loans

No, we are not butchers selling you steak, haha. The USDA Mortgage is for rural areas, and offers the Guaranteed Rural Housing (GRH) Loan Program is designed to assist households in obtaining adequate but modest, decent, safe and sanitary dwellings […]

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