Home Loan and Charity Benefit Program

855 Ridge Lake Blvd Suite 303, Memphis, TN 38120
Mortgage Protection
community benefit program

Empowering Homebuyers: The Sims Financial Group & PRMG’s Affinity Program Unveiled

Step into a world of endless possibilities on your journey to becoming a homeowner, all thanks to the revolutionary Affinity Program by PRMG Corp in partnership with The Sims Financial Group. Discover unmatched advantages, including a remarkable 30% Realtor Commission Credit that directly reduces your closing costs. This exclusive offer is available only when you choose to work with a PRMG Preferred Realtor. Picture this: a $700k home purchase translates to a significant $4,200 credit in your favor. And that’s just the beginning! Enjoy a lender credit that covers appraisal expenses, accompanied by a personalized credit analysis to boost your scores. With upfront underwriting approval, you’ll be on par with cash buyers, giving you a competitive edge. Celebrate your new home purchase with a housewarming party complete with a list of your friends, family and neighbors. We’ll cover the cost of invites, RSVP’s, food and any giveaways. Additionally you’ll receive exclusive invitations to client appreciation events. Your journey towards savings also makes a positive impact on your community by supporting local charities. Embrace a new era of homeownership with The Sims Financial Group’s via the PRMG Affinity Program, where your dreams find their perfect home.

The Sims Financial Group, Inc. uses a defined financial analysis process, setting expectations, identifying needs, refining goals, and implementing strategies.

Charles Sims, Jr. , President & CEO


Membership Benefits

PRMG Realtor Closing Cost Credit

30% Realtor Commission Credit towards closing costs when using a PRMG Preferred Realtor. For instance, if a home costs $700k and the Realtor receives a 2% commission ($14,000), then you’d receive a $4,200 credit ($14,000 x 30% = $4,200) for closing costs.

Competitive Pricing

Access cost-effective solutions with our competitive pricing. We prioritize providing you with value without compromising on quality. Our pricing structure is designed to align with your budget while ensuring top-notch products/services.

Upfront Underwriting Approval

Gain a competitive edge with our upfront underwriting approval, designed to level the playing field against cash offers. Secure a head start in the homebuying process by demonstrating your financial readiness. 

Suggested Donations

With the substantial savings you’ll gain, we invite a donation of up to $500 to a local charity of your choice. Let’s pay it forward and create a collective impact for our community. Join us in making a difference and spreading the spirit of giving.

* Some loan types, programs, or locations may not apply. Contact your mortgage advisor for details

Lender Appraisal Credit

The cost of an appraisal, which is an evaluation of a property’s value, can vary but is typically between $525 and $1500. This credit helps make the appraisal process more financially accessible for the borrower.

Lender Appraisal Credit

The cost of an appraisal, which is an evaluation of a property’s value, can vary but is typically between $525 and $1500. This credit helps make the appraisal process more financially accessible for the borrower.

Housewarming Party

Embrace your new home with a fantastic housewarming party! Invite friends, family, and neighbors – we’ll handle invites, RSVPs, food, and giveaways.  Celebrate and create cherished memories as you step into this exciting new phase of your life!

Free Credit Analysis

Receive a complimentary credit analysis aimed at boosting your credit scores. Our service involves a thorough examination of your credit profile, identifying areas for improvement that can greatly improve your chances for loan approval. 

Website Creation*

Experience the convenience of a tailored platform that breaks down approved loan programs and their total cost, all in one place. Our expert team ensures that you have a clear and concise overview of the various loan options.

Client Appreciation Events

From exciting Miniature Golf Tournaments to private Movie Premieres and delightful Pie Giveaways, we’re here to make memories. Capture the magic with Pictures with Santa and enjoy these special moments as a token of our gratitude for your loyalty.

our team

Biographies and Contact Information

Charles Sims Jr.

President & CEO

Mr. Charles Sims, Jr., the Principal of The Sims Financial Group, holds an esteemed position as a life member of The Million Dollar Round Table. He boasts multiple Top of The MDRT Qualifications and is a notable member of organizations like the National Association of Life Underwriters, Financial Planning Association, and Life Underwriting Training Council. Impressively, he holds the distinction of being the first African American to achieve induction into this exclusive organization. With a degree from Memphis State University and various designations including LUTCF and CERTIFIED FINANCIAL PLANNER, Mr. Sims has also earned recognition in Who’s Who in Finance and Industry. Mr. Charles Sims also played a foundational role in establishing The Mid-South Society of the Financial Planning Association. His community involvement extends to membership in Mississippi Boulevard Christian Church, the NAACP, and significant contributions to various boards such as The Crescent Club of Memphis, Memphis Black Business Association, and University of Memphis Tiger Club.

Contact Information

Phone: 866-687-0790

Rodrick Carter

Mortgage Advisor
NMLS# 1588972

Rodrick Carter is a senior loan officer with PRMG. He has been in the finance business for over 20 years, and has worked with such companies as Pan American Bank, American National Bank of DeKalb County, Marquette Bank of Chicago, American Home Mortgage of New York, Insphere Insurance Solutions, and H&R Block Mortgage. Rodrick’s areas of expertise are retirement planning, college funding, commercial lending, residential lending and setting up, or managing merchant accounts for businesses nationally. Rodrick dedicates himself to giving you a comprehensive plan for refinancing or purchasing your new home, risk management, tax strategies, and/or growing your business through a strategic partnership that’s wholistic, and organic. Rodrick attended Chicago State University where he majored in Secondary Education with an emphasis in music education. He minored in economics which led to his interest in the finance industry. Rod is dedicated to helping borrowers and clients to build wealth, finance their homes & businesses’ with the “BEST POSSIBLE DEAL.” Period.

Contact Information

Phone: 901-490-8040

Tracy Carter

Real Estate Agent
License# 369505

Tracy Carter has dedicated herself to the Memphis community for more than two decades, initially as an educator and now with an invigorated focus on the realm of real estate. Rooted in a steadfast commitment to serving Memphis, Tracy is fully prepared to assist you in your homebuying and selling needs. As a proud member of the Patterson Homes Real Estate family, she embodies the values of diligence, integrity, and exceptional client service, ensuring your real estate journey is guided by professionalism and care. Beyond her mission to bring clients’ homeownership aspirations to fruition, Tracy finds solace and joy in treasured family moments and the simple pleasure of reading. With a multifaceted background in community engagement and a fresh perspective on the real estate landscape, Tracy Carter is the adept guide you need, dedicated to ensuring a smooth and successful experience throughout your property endeavors.


Contact Information

Phone: 901-481-7202

take advantage of the prmg affinity program today

Your Dream Home Awaits!

Unlock your dream home and make a difference with the PRMG Affinity Program. Secure a home loan while supporting charities close to your heart. Your home purchase can change lives – explore our unique program today

(523) 486-3562
1234 Divi St, San Francisco, CA 29513