Our Story
Built on 30 Years of Showing Up
for the People Banks Turn Away.
Private Mortgage Group was founded on a simple belief: hardworking people who pay their taxes, run their businesses, and dream of owning a home deserve a lender who will fight for them.
Carol Ussery — Founder & CEO, Private Mortgage Group
Meet Carol Ussery
Solutions-Oriented. Experienced. In Your Corner.
Carol Ussery has been in real estate since 1993 — starting as a real estate assistant helping transitioning service members buy and sell homes near Fort Hood, Texas. She became a licensed Real Estate Broker in 1995 and a licensed Mortgage Lender and Underwriter in 2004.
Over more than three decades, she discovered a gap that no traditional bank was willing to fill: hardworking ITIN holders and self-employed borrowers with strong income, deep community ties, and a genuine desire to own a home — but nowhere to turn.
So she built Private Mortgage Group to fill it. Today, PMG is the nation's largest and most experienced private mortgage company purpose-built for ITIN and foreign national borrowers — with over $250 million in loans funded and a default rate under 2%.
Where Carol Comes From
The values that drive PMG were forged long before the first loan was ever funded.
Farm Roots in Mid-Missouri
Carol grew up on a farm in Mid-Missouri — the oldest of four children. They raised cows, sheep, pigs, and chickens, planted a garden every year, hauled hay in the summer, and cut wood in the winter. Hard work, resourcefulness, and taking care of your family weren't values she was taught. They were just life.
U.S. Army — Desert Storm Veteran
After high school, Carol joined the United States Army and served in both Desert Storm and Desert Shield. She rose to the rank of Sergeant and served 8½ years before entering the private sector. Military discipline, attention to detail, and a commitment to mission — these are the qualities she brought straight into mortgage.
A Mission That Chose Her
When Carol found ITIN lending, she found her calling. The borrowers she works with remind her of people she grew up around — people who work hard, do things right, and just need someone to believe in them. That's what PMG is built on: the conviction that every hardworking family deserves a shot at homeownership.
Our Mission
Connect Deserving Borrowers with Private Investors.
Create a Win for Everyone.
PMG sits at the intersection of two needs: ITIN borrowers who want to own a home and can't qualify at a bank, and private investors who want real asset-backed returns. We connect them — and everyone wins.
For Borrowers
A real path to homeownership — flexible, fair, and faster than any bank. No SSN required.
For Investors
12% annual returns backed by first-lien Texas real estate with a proven, compliance-first team.
For Loan Officers
A specialty program your bank doesn't offer — and a niche that 550+ Texas LOs are already closing.
Why PMG Is Different
We didn't stumble into this niche. We built our entire company around it.
Niche Expertise No Bank Can Match
We have 22+ years of underwriting experience specifically in ITIN and self-employed mortgage programs. This isn't a side product for us — it's everything we do.
A Private Investor Network Built Over Decades
We fund loans through a network of private investors, not bureaucratic bank channels. That means more flexibility, faster decisions, and programs built around your borrower's actual situation.
Performance That Speaks for Itself
Under 2% default rate on ITIN loans — compared to 14%+ for FHA. Our borrowers are motivated, tax-compliant homeowners who take their investments seriously. The data backs that up.
Compliance Without Compromise
Licensed lender (NMLS #2524161). Every file goes through DocMagic compliance review. Loans are serviced by August REI and audited by Situs AMC. We do this right — every time.
Relationships, Not Transactions
75% of our business comes from repeat customers and referrals. When you work with PMG, you're not a file number. You're a relationship we intend to keep.
Ready to Work with Carol's Team?
Whether you're a borrower, a loan officer, or an investor — we'd love to connect.