About us      
Mortgages Made Personal – Fast, Clear, and Build Around You!

Looking to buy a home, refinance, or invest in real estate? You're in the right place. I'm Roman Mitros – founder of Prime Time Mortgage Corp., a mortgage brokerage firm established in Sacramento in 2015. With over 25 years of personal experience in the mortgage and real estate industry, I help homebuyers, homeowners, and real estate investors succeed in California, Florida, and Texas.

Whether you're applying for your first loan or building a multi-property portfolio, I'll guide you through the process with clarity, speed, and unmatched personal attention  – in English, Ukrainian, or Russian.



What We Offer: Smart Lending Options for Every Goal

For Homebuyers: 
- FHA, VA, USDA, Jumbo, and Conventional loan programs
- Down payment assistance for first-time buyers

For Homeowners (Refinance):
- FHA Streamline Refinance
- FHA Cash-Out
- VA Streamline 
- VA Cash-Out
- Conventional and Jumbo Refinance Programs

For Investors & Business Owners: 
- DSCR (Debt-Service Coverage Ratio)
- Bank Statement Programs
- Stated Income Loans
- P&L Based Loans 
- LLC closings, rental income usage, and portfolio scaling 

Behind every successful transaction is our highly professional team. At Prime Time Mortgage Corp., we've built a reliable in-house Processing and Loan Management department that supports you at every step. From application to closing, you'll always know who to call and what to expect. 

Why Work With Us (Instead of the Big Banks)? 
- Access to 10+ Top Lenders = Better Rates, Faster Closings
- Same-day Pre-Approvals 
- Multilingual service in English, Russian, and Ukrainian 
- Personalized attention – no call centers
- Deep experience with first-time buyers, investors, and agents

Let's Talk – You'll Know Within Minutes If You Qualify
Call me directly or book a FREE 15-minute Consultation online. I'll personally help you find the best mortgage solution for your goals – and make the process simple from day one.