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Home Loan Options for Pensacola Homebuyers

Primary Residential Mortgage, Inc. has access to a wide array of home loan options from multiple mortgage lenders. We also have extensive experience and in-depth knowledge of the local lending market in northwestern Florida – which makes us the professionals to trust for a home financing solution that meets your needs.

PRMI can work with you to find the perfect mortgage loan, regardless of how much you want to borrow and whether you have a solid credit history, no credit or a low credit score. Check out our loan products below, or get in touch with our Pensacola office to fully explore every financing option available.

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.

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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.

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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 Click to open answer

These are government-insured loans that come with no down payment and low insurance premiums. They’re meant to help with the acquisition of rural and farming land, primarily.

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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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