Mortgage Loan Options

At Primary Residential Mortgage, we offer a wide range of mortgage loan options for our Johnson City borrowers. We have a full list of 30- and 15-year fixed rate mortgages for those looking to go the traditional route, along with adjustable-rate mortgages (ARMs) for those interested. We also feature programs like manufactured housing loans and 2/1 buy down mortgages.

In addition, we can help line you up with several different government-backed mortgage loan options:

First Time Homebuyers

At PRMI, we offer over 300 products including ones for first-time homebuyers. From Conventional to USDA, we can find the right loan for you. We can open the door to your first home, call me today for the right loan. Click here for more information.

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FHA 203k Loans

You can finance the cost of the home, plus an additional $35,000 that you can put towards renovations such as remodeling your kitchen or bathroom, repairing the roof, or making other important improvements to your income. Contact us today to create your dream home. Click here for more information.

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FHA Streamline Refinance

If you have an FHA-insured mortgage loan and are looking to lower your payments, refinancing has never been this easy. With our FHA Streamline program, you can refinance your mortgage without the hassle of endless paperwork or an appraisal. Click here for more information.

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Down Payment Assistance

The home of your dreams at a price you can afford. With low interest and no down payment*, you can get into the home you want without draining your savings. Call me today to get started. Click here for more information.

*Closing costs and fees may still apply

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VA IRRRL Refinance

Refinancing your VA Loan can save you thousands over the life of your loan. Today's interest rates are low. With our IRRRL programs, you can refinance your VA Loan to lower your interest rate and save on your monthly payments. Contact us today to get started. Click here for more information.

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VA loans are designed to help active or former military service members get a great loan option after or while they serve our country. They come with no down payment, low closing costs, great mortgage rates and zero private mortgage insurance. Click here for more information.

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Backed by the Federal Housing Administration, these loan programs come with low fixed rates that require very little cash up front to close. They offer less stringent credit requirements, low down payments and the ability to bring in a co-signer. Click here for more information.

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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. Click here for more information.

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These fixed-rate loan programs are one of the most common types of mortgages you can apply for.  These loans offer protection to the buyer from unexpected rate increases which would result in increased monthly mortgage payments.  These fixed-rate mortgages are offered in either 15 or 30 year options. Click here for more information. 

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