The biggest obstacle facing first time home buyers is a general lack of knowledge, so we are here to help you, the first time home buyer. The first step, in the home buying process is finding a mortgage professional. That specializes in working with first time home buyers. Why? Would you go to the grocery without knowing how much you have in your checking account? NO! You would not.  When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford. Why? Would you go to the grocery without knowing how much you have in your checking account? NO! You would not. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It's short and to the point, and we keep the paperwork to a minimum!

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Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent will call it a "Loan Status Report” (LSR), which says that we are working with you to find the best loan to meet your needs and that we're confident you'll qualify for a loan for a certain amount.

When you find a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-qualified gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

Fun and purchasing a home are probably two concepts that cannot be further apart.

Instead of being fun, purchasing a home might prove to be nerve-wracking and stressful. This is understandably so since this is an investment that spans a lifetime - a whole set of generations even.

Buyers are intimidated by the various dimensions that make purchasing a home troublesome - the legal aspects, the financial aspects, dealing with brokers, agents, insurance, and others purchase concerns.

But dissecting these roadblocks and adding some spice to you choice of property could make this life-changing decision an enjoyable one.

Home Financing Programs We offer a wide variety of loan products to satisfy just about anyone’s needs or situation. Here’s a sample: • Conventional Mortgages • Credit Impaired Programs • Debt Consolidation • FHA Federal Housing Authority) • Home Equity Loans • Jumbo Loans • Multifamily Properties • No Fees, No Points Programs • No Money Down Purchase Loans • AND MUCH MORE! Comments "Every question was answered with patience and understanding. Every time we needed anything, you were there. We would recommend you to everyone in need of a mortgage." - Alan Freeman We can’t thank you enough for re-financing our home. Though other bankers said it couldn’t be done because of our recent financial struggles, you were positive, encouraging and said you knew it could be done! - Jason Smith

About Our Company Primary Residential Mortgage, Inc. has been assisting homeowners with the financing of their homes and investment properties since 1998. As the local branch of a national company, we give clients the benefits of both worlds: a local contact with access to major lending companies. Our Banker relationship with companies like Chase, Wells Fargo, Citi Bank and GMAC just to name a few, gives us the ability to offer a wide variety of loan products. We understand the needs of current homeowners as well as first time home buyers, particularly in today’s market. We feature programs such as Conventional, FHA, VA, Seconds, Equity Lines and Construction - you name it, we offer it-the perfect solution for any specific requirement. We will empower your employees to achieve their financial goals.