About PEMI®




Who & Why Are We?

Advocacy, education, professional standards and certification body specific to the mortgage industry group within the private equity industry.

The Private Equity Mortgage Institute PEMI® (www.peminstitute.org) is the operative division of the International Private Equity Mortgage Institute (IPEMI.org, www.ipemi.org), a global association of real estate finance professionals including: investors, lenders, mortgage bankers, licensed brokers and licensed agents; who trade in the highly specialized field of Peer-to-Peer (P2P) and Private (Non-Institutional, Non-Syndicated, Non-Regulated, Regulatory Exempt or Free Trading) Equity Mortgage (PEM®) lending transactions (also known as Certified Private Equity MortgageTM transactions) within the Tier 2 capital market.

  • The private equity mortgage industry group consists of individuals and organizations that trade in what is classified as digital and non-digital, non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments, secured by real estate. 
  • Capital seekers, Borrowers, Investors or Lenders who trade in private equity mortgage instruments are typically - but not always - private individuals or organizations classified as: non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt and free trading entities; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow entities

Historically and generically, such investor-lenders are referred by the term of art: "private lenders" ; and generically, such transactions are referred by the term of art: "private mortgages".  Terms of Art are not defined consistently - depending on the subject matter -  so have broadly accepted meanings and applications-of-use. Due to inconsistent definitions and applications-of-use of the terms of art: "private lender" or "private mortgage", there is a high degree of confusion within the global marketplace when it comes to distinguishing a credible, non-institutional, non-syndicated, non-regulated, real estate debt industry participant or transaction, from one that is not.

What Good is this for Borrowers?
When banks or other regulated institutions "say no", or "are too slow", or are simply not competitive, people are able to borrow mortgage money from private individual or private company investors who have surplus cash savings "on hand" and want to invest this money; so long as the investment is secured by some form of real estate.

These are not government regulated mortgage lenders, so there are no restrictions on how the investor-lenders choose to lend their money. If an investor-lender likes your story and it makes sense to them, you will be approved. 

Borrowers can communicate with individual lenders directly on a peer-to-peer basis, or through a quality managed network of licensed mortgage brokersLearn more.

Why all the Fuss?

Money; lot's of it. The business is lucrative AND there is an absence of direct government or regulatory oversight. It is not unheard of for Private Equity Mortgage PEM® investors to earn annual rates of return of 8%, 12%, 22%, 30% and more, in a safe, fully secure manner, with minimal government or regulatory oversight.  The benefits of PEM® are far reaching, from having less risk than the stock market to having greater security than the bond market.


The Need for a Professional Approach


Such confusion has lead many inexperienced mortgage consumers (borrowers) and unsophisticated mortgage investor-lenders to incur significant losses caused by errors, omissions, inexperience or negligence by individuals who claim to be professionals in the domain of non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments for real estate debt transactions, when they are not. Or, a real estate debt transaction is represented to be of a non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading nature, when it is not.
Through the establishment of standards, criteria, technology, business methods, guidelines, techniques, patent pending and trademarked terminology including: Private Equity Mortgage (PEM®), the Private Equity Mortgage Institute PEMI® provides
  • General Public, 
  • Consumers, 
  • Customers, 
  • Prospective Customers, 
  • Industry, 
  • Regulators, 
  • Regulatees, 
  • Investors, 
  • Shareholders, 
  • Stakeholders, 
  • Legislators
  • Government , and 
  • related parties 
with distinguishing marks and source identifiers for non-institutional, non-syndicated, non-regulated, real estate debt transaction and related industry professionals.
Members and Fellows of the Private Equity Mortgage Institute hold the prestigious C-PEM®-P designation.

Mission 

PEMI®'s mission is to advance professionalism, ethics, quality, global standards (ISO 9000, GAMUS), methodologies, advocacy, compliance through Certified Blockchain Quality Management Systems (CBQMS), business & operational practices through the professional development of real estate finance commerce, worldwide.


What does the Private Equity Mortgage Institute do?


Consumers (borrowers), investors, lenders, mortgage bankers, licensed brokers and licensed agents who participate in Private Equity Mortgage (PEM®) transactions in our countries-of-interest (see below), will benefit from the Private Equity Mortgage Institute as follows:

  • Professional Designation (Qualification & Recognition)
  • Private Equity Mortgage PEM® Education
  • Private Equity Mortgage PEM® Standards
  • Compliance through Quality Management Systems (ISO 9001:2015, Sarbanes-Oxley)
  • Audit
  • Industry Advocacy
  • Borrower Advocacy
  • Research, White Papers & Policy Reports
  • Expert Witness


Where Are We?

Envisioned in 2003 and initially operating within the Canadian market, the International Private Equity Mortgage Institute has expanded its scope of interest include Australia, United Kingdom and USA. All IPEMI.org Members and Fellows operate in accordance with respective national, regional and local laws.

The regional division of IPEMI.org provides manages industry professional-, and policy-level education services leading to the qualification, certification of Chartered Private Equity Mortgage Professionals C-PEM®-P within the core fields of mortgages, technology and quality management. The International Private Equity Mortgage Institute consists of member organizations from the following countries:

Australia
Canada
United Kingdom
USA