Press release.

PCMA Announces The Continued Evolution Of OMEGA, Purchase And Refinance Product For The Mass Affluent and High Net Worth

jason jepson - February 22, 2021

Irvine, CA – Feb 23rd, 2021 — PCMA, the pioneer and category leader in Non-Bank Private Client Lending, announced the expansion of the OMEGA residential mortgage program, to meet the growing and diverse needs of the mass affluent and high net worth in the purchase or refinance of primary residential and second home residences. The changes in the OMEGA program include increased loan amounts, access to greater cash out options and reduced interest rates.

“Thanks to our financial partners, we have been able to expand the credit matrix on all of our products in our Expanded Prime catalogue, with OMEGA leading the way,” said John R. Lynch, CEO and Founder of PCMA Private Client. “As the Expanded Prime market continues to thrive, we understand that the needs of Private Clients will change and PCMA will continue to lead the way with sophisticated and tailor-made optionality to meet their financing needs.”

OMEGA features the following options:

  • Purchase or Refinance
  • Maximum Loan Amounts increased to $5,000,000
  • Home Equity Access increased to $2,000,000
  • Reduced Interest Rates
  • 30 I 40 Year Fixed Duration options
  • 10 Year Interest Only Option – No rate or pricing adjustments
  • No Tax Return Required – Ability to Repay calculated off stability of cash flows
  • 12 Months Bank Statement – Blended Cash Flow Ok
  • Asset Utilization – 36 I 84 Month Options
  • Rate & Term Classification – Payoff of Tradeline, Lien or IRS Installment Plan
  • Cash Out to LTV Limitations – No rate or pricing adjustments

“Explosive growth and unrelenting demand in the Jumbo mortgage market highlights exactly how big the pent-up demand is in the Private Client community,” said Lynch. “We will hold true to our mission to continue to build Curated Experiences™ , tailor-made to meet their needs while keeping rates as close to prime as possible.”

About PCMA

PCMA is the leading non-bank private client lending organization serving the needs of their mass affluent and high net worth clientele. PCMA offers qualified individuals and institutions bespoke lending solutions across all major residential asset classes. PCMA is a diversified financial enterprise offering private client solutions through a direct and indirect to consumer business model. PCMA strives to build trusting and enduring relationships by putting clients and professional partners at the center of all they do. PCMA is headquartered in Orange County, CA. Additional information is available at