PSM Holdings, Inc. (fka PSMH)

[Royal]

PSMH PSM Holdings, Inc. ("PSMH" or the "Company"), through its wholly owned subsidiaries, is engaged in the business of mortgage banking, in which PSMH both originates and funds mortgage loans through its own warehouse lines of credit which currently accounts for about 90% of closed loans, as well as mortgage brokerage, in which PSMH originates mortgage loans funded by third-party lenders. PSMH immediately sells these loans to its third-party lenders or into the secondary mortgage market. PSMH offers a full range of mortgage loan products, including adjustable rate mortgages, fifteen, twenty, and thirty-year fixed rate loans, and balloon loans with a variety of maturities, as well as refinancing, construction loans, second mortgages, debt consolidation, and home equity loans.