Earn 12% Annual Returns
Backed by Private Mortgages.
Private Mortgage Group invests capital from accredited investors into private ITIN home loans secured by Texas real estate — one of the most stable, high-demand markets in the country.
How It Works
A straightforward, transparent model backed by real Texas real estate.
You Invest via PPM
Accredited investors deposit capital through our Private Placement Memorandum (PPM). Funds are earmarked for private mortgage loans.
PMG Funds the Loans
We originate and underwrite ITIN home loans in Texas — secured by real property, verified income, and our 22+ year compliance process.
Loans Sold at Premium
Completed loan files are sold to Wall Street funds and community banks at a premium — generating the return that flows back to investors.
You Earn 12% Annually
Investors receive 12% annual returns on their capital, with quarterly liquidity available (10% per quarter redemption cap).
Why Invest with PMG
Not all private mortgage funds are created equal. Here's what sets PMG apart.
Less Than 2% Default Rate
Our ITIN loan portfolio defaults at under 2% — compared to 14%+ for FHA loans. These are motivated, tax-paying homeowners who value their investment deeply.
Secured by Real Texas Property
Every loan is backed by a first lien on Texas real estate. If a borrower defaults, the asset secures your investment — not just a promise.
$250M+ Proven Track Record
We've funded over $250 million in loans — and $150M+ specifically in ITIN and Foreign National loans. This isn't a startup. It's a 20-year track record.
Texas-Only Focus
Texas has 5.8M foreign-born residents. We operate exclusively in one of the country's largest, fastest-growing, most stable real estate markets.
22+ Year Underwriting Expertise
Led by Carol Ussery — 34 years in real estate, 22+ in mortgage. Every loan is underwritten to exacting standards with a compliance-first approach.
Full Compliance & Institutional Oversight
Licensed lender (NMLS 2524161). Loans audited by Situs AMC. Serviced by August REI. DocMagic compliance reviews on every file.
Program Highlights
The key terms of the PMG investor program.
Paid on invested capital
Redemptions processed quarterly
Secured by Texas real estate
Private Placement Memorandum
Safety & Compliance
We operate with institutional-grade compliance on every loan. Your capital is deployed carefully.
Licensed Private Lender
Private Mortgage Group, LLC holds NMLS license #2524161. All originations comply with federal and Texas lending regulations.
Full Compliance Workflow
Every loan file undergoes a DocMagic compliance audit before closing. Our LOS (Calyx Path) integrates directly with DocMagic for consistent review.
Independent Loan Servicing
All loans are transferred to August REI on closing day. August REI handles escrow, IRS reporting, and borrower servicing independently from PMG.
Institutional Audit — Situs AMC
Loans sold to Wall Street buyers undergo a Situs AMC audit, a leading third-party due diligence firm. This provides independent validation of every loan file.
Verified Borrower Eligibility
Every borrower must verify income, provide government ID, confirm no terrorist watch list status, and demonstrate 2+ years in their current field.
Who This Is For
The PMG investor program is suited for a specific kind of capital allocator.
Accredited Investors
You meet the SEC accredited investor standard and are looking for consistent, asset-backed income outside of traditional markets.
Real Asset Seekers
You want your capital secured by real property — not just promises. Every PMG loan carries a first lien on Texas real estate.
Income-Focused Portfolios
You're building or managing a portfolio where consistent, predictable income (12% annually) matters more than speculative gains.
Why Increased Regulatory Scrutiny on Bank Lending May Strengthen Our Market Position
Recent headlines have drawn attention to a May 2026 executive order directing federal financial regulators to increase scrutiny on banks that lend to undocumented immigrants. We want to address this directly — because the picture is more nuanced than the headlines suggest, and the outlook for our portfolio may actually be stronger as a result.
What the Regulatory Guidance Actually Says
The executive order does not prohibit loans to ITIN holders or undocumented immigrants. It instructs federal bank regulators to encourage large, federally regulated institutions — banks like JPMorgan Chase, Bank of America, and Wells Fargo — to take a closer look at whether borrowers' immigration or work status could affect their ability to repay.
Large banks face heightened compliance exposure and reputational risk if they serve this borrower population.
Federally regulated lenders are likely to reduce or eliminate mortgage programs for ITIN holders, even where those programs currently exist.
No law has been passed. Private lenders operating outside the federal banking framework are not subject to the same regulatory pressure.
Private Lending Operates in a Different Framework
Private Mortgage Group is not a federally chartered bank. Our loan programs are governed by Texas state law and our own underwriting standards — not the federal banking regulatory apparatus that is the target of this executive order.
This distinction is critical. When large institutions step back from a borrower population, private lenders like PMG are uniquely positioned to step forward — and to do so responsibly. We have been doing exactly that for over 20 years.
The Opportunity for Our Investors
When mainstream banks reduce access to credit for a specific borrower population, two things happen:
Demand Concentrates
Borrowers who would have otherwise qualified for a conventional bank loan now need a private lender. Our addressable market grows.
Competition Thins
Fewer institutional players means stronger pricing power and better terms for private lenders who remain active.
Private Mortgage Group has spent more than two decades building the relationships, infrastructure, and expertise required to serve ITIN borrowers at scale. We are not reacting to this moment — we are built for it.
Our Borrowers Have Consistently Demonstrated Creditworthiness
Our borrowers are ITIN holders — typically long-term U.S. residents, self-employed or employed in stable trades, with demonstrable income, reserves, and a strong motivation to protect their homes and credit standing.
Research from Experian and the Urban Institute has consistently shown that ITIN borrowers exhibit lower default rates and stronger payment consistency than many comparable borrower profiles. This is not a high-risk population. It is an underserved one.
Our underwriting is rigorous. Every loan we originate is documented, compliant, and reviewed against clear income, asset, and credit standards. Our 75% close rate and the consistent quality of our loan portfolio reflect that discipline.
What This Means for Your Investment
The gap in the market is widening. As banks retreat, demand for private mortgage solutions increases.
PMG's expertise is not replicable quickly. Our 20-year track record, investor relationships, and operational infrastructure represent a significant barrier to entry for any new competitor.
Our loan quality remains the foundation. Our lending standards are not changing. What is changing is the competitive landscape — and it is moving in our favor.
We remain committed to responsible, compliant lending that serves borrowers who deserve access to homeownership — and to delivering strong, consistent returns for the investors who make that mission possible.
This article is intended for informational purposes for Private Mortgage Group investors and partners. It does not constitute legal or regulatory advice. Private Mortgage Group, LLC — NMLS #2524161.
Get in Touch
Request Your Investor Package
Tell us a bit about yourself and we'll send you the full investor package — including the PPM, returns model, and 20-year track record. Carol will follow up personally to answer your questions.
Full PPM Documentation
Complete Private Placement Memorandum with all terms and disclosures.
Returns Model
Detailed breakdown of the 12% annual return structure and historical performance.
Compliance & Audit Reports
Situs AMC audit summaries and regulatory compliance overview.
Personal Call with Carol
Ask questions directly with our founder — 34 years in real estate, 22+ in mortgage.
Investor Inquiry
A few quick questions so we can serve you better.