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WHY choose psm?

It's simple! It is our belief that to achieve more goals, obtain more knowledge, and achieve more successes you must maintain a wholly collaborative environment with your team. We take your experience and combine it with ours to nurture the constant evolution of our products and services to better serve you each and every day. 


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View or download our recruiting brochure for a look at our culture, services, product offering, and loan process. We look forwarding to answer any questions you may have about us!



  • In business since 1997
  • Headquartered in Murrieta, CA (previously Edmond, Oklahoma)
  • Currently licensed in 17 states and growing


What makes us different? Our operations and support team has been involved in every facet of the industry with over 90% of them having originated loans during their careers. We know what's it's like because we have been there before! With our team and the past two decades behind us we have been able to evolve our way of doing business so every decision we make is based on whether or not it will benefit our Loan Originators. We don't like jumping through hoops so we make things as easy as possible when it comes to getting your loan approved and funded. 


Chief Operating Officer

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My name is Jeff Hemm and I am the Chief Operating Officer. 

I perform analytical research and reporting for the Secondary Marketing initiatives, including product and pricing analysis and development of risk management strategies, utilizing complex financial and statistical methods; I provide analysis and reporting of trends and developments in the secondary market environment that enable competitive programs or new products for Company; I conduct reporting and analysis of application pipeline and inventory of closed loans; I coordinate with Operations to ensure loan packages adhere to Prime Source Mortgage Inc. standards as well as governmental regulations; I translate mortgage product and pricing requirements into rules for product and pricing engine; and I coordinate the roll out of new loan programs with other departments.

Theresa Carroll

Vice President of Operations

Hello, my name is Theresa Carroll and I am your Vice President of Operations. My team is here to help you with training, understanding the internal processes and all your underwriting, closing and funding questions.

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For the past 20 years I have worked my way up through the mortgage industry starting as a loan closer and after many various upper management positions, I found my home with Prime Source Mortgage as the Vice President of Operations. It’s my job to ensure accuracy of loan documentation required by investors and train our Underwriters.


My Goals. 

·      Maintain a 24 hour turn times in Closing and Funding departments

·      Provide comprehensive training on newly adopted loan products

·      Continue to increase the efficiency of our LOS software


Why I want you to work with our team. 

We use a work flow which focuses on streamlining departmental inefficiencies and identifying new and existing personnel to fit into our work flow process. I want you to experience the process we have created to see what really sets us apart from any other mortgage company. 


Your Marketing Teams offers and array of marketing materials and support covering everything from branded swag to open house flyers. You have access to our CRM  which include is integrated with Encompass, allowing for borrowers to receive milestone update emails every step of the way, as well as loan anniversary, birthday campaigns, prospect campaigns, open house flyers and much more. You will also receive opportunity alert notifications regarding past clients and have the option to email hundreds of customizable emails and flyers to all of your contacts.

We love collaborating on new marketing ideas and material so feel free to share your goals with us. 






Minimum Credit Score: 620

Standard & High Balance

DU Refi Plus


Minimum Credit Score: 620

Standard & Super Conforming Home Possible

Relief Refinance Open Access


Minimum Credit Score: 640*

Maximum Loan Amount: $5,000,000* 

(*Exceptions may be considered)


  • FHA

Minimum Credit Score: 580 or NO Credit Score for Non Credit Qualifying Streamline

  • USDA

Minimum Credit Score: 580

  • VA

Minimum Credit Score: 580

Maximum Loan Amount: $1,500,000 

(lower credit scores are considered on extenuating circumstances, we hate to say NO) 



  • Non-QM
  • Foreign national
  • Non-warrantable condo
  • Asset Depeletion Program 
  • Self-employed bank statement qualification
  • Exception based lending
  • Piggyback 2nd Mortgages (Fixed, ARM & HELOC)
  • Manufactured Homes (Fannie Mae, Freddie Mac, FHA, USDA & VA)
  • Fannie Mae HomeReady
  • No FICO FHA Streamline
  • USDA Pilot Program
  • Interest only ARMs
  • 12 & 24 Month Bank Statements Products (cash-flow)


Our compensation and benefits packages are highly competitive.