Originating Residential and Commercial Loans Since 1998

At (PCG) Pineyro Capital Group Inc. NMLS# 420112, we provide compelling reasons to join our team. With the industry's highest payout, access to over 100% funding partners enabling you to offer 200+ different loan programs, and support such as a custom URLA link, marketing assistance, and technology support, you're set up for success. Moreover, you become part of an incredible family-oriented environment where your growth and well-being are prioritized.

Yes, PCG offers the opportunity for its originators to work remotely from home. We hire NMLS-licensed Florida mortgage loan originators for remote positions, ensuring flexibility and convenience. However, it's important to note that all remote originators must adhere to our remote work-from-home policy. Given the sensitive nature of mortgage applications and the risk of identity theft, we prioritize security measures for remote work. Therefore, remote mortgage loan originators must strictly follow our work-from-home security protocols while conducting their duties remotely.

(PCG) is currently hiring NMLS licensed Remote MLOs in Florida. Additionally, we are seeking business loan brokers in all 50 states across the country. To learn more on Business Loan Broker opportunities CLICK HERE.

At PCG, mortgage loan originators have the potential to earn a total commission of 2.75%, whether it's lender-paid or borrower-paid. The payout to MLOs can be up to 2.0% commission in 1099 states.

If your closing is FUNDED by 12pm EST, you receive payment on the same business day. For closings funded after 12:01pm EST, payment is issued on the next business day by 5:00pm EST. In cases where a transaction requires a 3-day right of rescission, the payout clock begins on the day AFTER the rescission period ends. It's important to note that all post-closing documents must be received by management before disbursement.

Yes, at PCG, we equip you with the tools and strategies to generate unlimited mortgage leads. Our approach involves calling realtors to offer specialty loan programs, which can significantly boost your lead generation efforts. Upon joining our team, you'll gain access to recorded training calls that teach you effective lead generation techniques. Additionally, we provide a comprehensive list of all the ways to expand your mortgage business, ensuring you have the resources you need to succeed.

For our MLOs, we provide access to LendingPad as the loan origination software (LOS) system at no cost.

MLOs have access to over 100 lenders through PCG, including specialty loan programs such as FHA, VA, Conventional, USDA, NON-QM, private lenders, and commercial lenders, among others. We offer a comprehensive range of options to meet diverse borrowing needs.

While you have the option to process your own loans, we highly recommend utilizing our experienced team of loan processors dedicated solely to processing. They handle tasks such as gathering documents, contacting partners, and requesting documentation from borrowers. Moreover, they ensure seamless communication by uploading all important tasks into your portal, which automatically notifies all individuals involved in the transaction. We believe that as an MLO, your focus should be on generating business rather than processing loans.

MLO: Mortgage Loan Originator - According to Chapter 494, Florida Statutes, individuals must obtain a license if they directly or indirectly solicit or offer to solicit a Florida mortgage loan, accept or offer to accept an application for a Florida mortgage loan, negotiate or offer to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a mortgage applicant or lender, or negotiate or offer to negotiate the sale of an existing mortgage loan to a non-institutional investor for compensation or gain. This requirement also applies to individuals mandated to be licensed as loan originators under the S.A.F.E. Mortgage Licensing Act of 2008.

No, absolutely not! There are no minimum monthly fees or quotas if you decide to work with PCG. Additionally, if you are a new mortgage loan originator, there is no initial NMLS license fee to request sponsorship. However, if you are transferring from another company, there is an NMLS $30 MLO change of sponsorship fee.

No, absolutely not. As a licensed mortgage brokerage business, we are prohibited from padding our rates. At PCG, we offer par wholesale rates sourced from all the top mortgage lenders in the industry. Your trust and satisfaction are our top priorities, and we ensure transparency and integrity in all our dealings.

A Mortgage Loan Origination System (LOS) is a comprehensive platform designed to streamline the electronic 1003 mortgage loan application process and manage the entire mortgage transaction from origination to post-closing. With a cloud-based LOS provided by PCG, borrowers gain access to a seamless experience to apply for a mortgage, effortlessly upload documents, refer others to you, and keep all involved parties updated throughout the process.

Upon signing the agreement and meeting all state licensing requirements and qualifications, we will promptly initiate the process to get you up and running. However, please note that the timeline for state licensing approval may vary. For instance, in the state of Florida, the NMLS (Nationwide Multistate Licensing System) approval for license transfer could typically take anywhere from 24 to 48 hours. Rest assured, we strive to expedite the process to ensure you can begin your journey with PCG as swiftly as possible.

Yes, Loan Originators have the capability to assist borrowers in improving their credit scores within one to three days through Rapid Rescore. This service enables a proactive and consultative approach, fostering a strong, long-term relationship with borrowers. By rectifying inaccuracies at the bureau level within a short timeframe, Loan Originators can enhance borrower satisfaction and potentially elevate their FICO® scores, thereby increasing their eligibility for better loan packages. Collaborating with a Rapid Rescore Specialist allows for personalized advice, aiding both the Loan Originator and borrower in determining the optimal strategy for credit enhancement, ultimately leading to enhanced customer loyalty and securing the best rate and loan program for the borrower.