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Home Loan Options for Pensacola Homebuyers

We offer hundreds of loan options so you can find the financing that works for your specific goals. See some of our popular loan options below.

Jumbo Loans Click to open answer

These loans have higher loan limits that help you purchase high-value property. Low down payments are possible. Apply Now

Construction Loans Click to open answer

If you’re looking to build your dream home, PRMI can help you secure a new construction loan. We know which mortgage lenders are willing to finance the costs of work and materials, and we’re ready to facilitate the lending process. You can take advantage of one- and two-time close loan programs to best meet your needs.

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Refinance Loans Click to open answer

Already have a mortgage loan? Refinancing could be a smart financial move – with the right refinance loan, you could see a lower interest rate, lower monthly payment and better mortgage terms. Pensacola homeowners can also refinance to pay off debts and to save money by eliminating private mortgage insurance (PMI) payments.

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Mortgage Pre-Qualification Click to open answer

Before you begin the hunt for your dream home, contact PRMI and get pre-qualified for a mortgage loan. Pre-qualification is the first step toward securing home financing, and the process is quick and stress-free. Afterwards, you’ll have a good idea of how much mortgage lenders will let you borrow – making the house shopping much easier.

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Down Payment Assistance Click to open answer

If saving up money to put down on your dream home is proving to be a challenge, the mortgage experts at PRMI can help steer you toward a solution. We have access to down payment assistance programs designed to make homeownership more affordable for first-time home buyers in northwestern Florida.*

*First lien interest rates maybe higher when using a DPA second.

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Low-Credit Loans Click to open answer

Think your low credit score – or your lack of credit history – makes you unlikely to get an approval from a mortgage lender? Think again. PRMI Pensacola can help you secure home financing that meets your needs, as we work with a number of government-backed and privately funded low-credit loan programs.

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VA Home Loans Click to open answer

Are you an active military service member or reservist? A veteran? A surviving spouse? You may be eligible for a VA home loan, backed by the U.S. Department of Veterans Affairs – and with this type of mortgage, you may not need a down payment. Qualifying is easy, even for buyers with low credit ratings.*

*Closing costs and fees may still apply.

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FHA Home Loans Click to open answer

For northwestern Florida home buyers with less-than-stellar credit scores or high debt-to-income ratios, government-backed FHA home loans provide an affordable path to homeownership. These mortgages aren’t difficult to qualify for – plus, FHA loans come with many benefits, including low interest rates and low down payment requirements.

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USDA Loans Click to open answer

USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*

*Closing costs and fees may still apply.

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Conventional Loans Click to open answer

Pensacola home buyers often find that taking out a conventional loan, which is funded by a private mortgage lender, is an affordable and practical means of home financing. You can choose from a selection of 15-year or 30-year term programs, and we offer both fixed-rate and adjustable-rate mortgages.

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