Mortgage Loan Options

Primary Residential Mortgage, Inc., offers a wide range of home loans to local borrowers in Severna Park, Annapolis, Pasadena, MD and surrounding areas. Mortgage lender Kyndle Quinones helps you weigh the options and decide on the most suitable loan for you. You can choose from 30- or 15-year fixed-rate mortgages, adjustable-rate mortgages, manufactured housing loans, 2/1 buy-down mortgages, VA, USDA, other many other home loan programs depending on your unique situation.

First-Time Homebuyer

Buying your first home is exciting, but oftentimes, overwhelming as well — especially when you’re going through seemingly endless loan program choices. If you’re a first-time homebuyer in Severna Park, Annapolis, Pasadena, or surrounding areas, our mortgage specialists will look for the most suitable loan program for your budget.

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Pre-Qualification

The pre-qualification process lets you know how much you can borrow and can save a lot of time in the home buying process. Our team in Severna Park and Annapolis assesses a variety of factors including your credit, debt, income and assets to determine what you can qualify for.  Once you have that information, you can confidently move forward once you’ve found your ideal home without worrying that someone else will get it first.

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Refinance

Homeowners in Severna Park, Annapolis, MD, and surrounding areas may have various reasons to refinance: to get a lower interest rate, shorten the mortgage term, switch from an adjustable rate to a fixed rate or vice versa, use the home’s equity for a larger purchase or consolidate debts. Regardless of your reason, our mortgage team can help.

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Low Credit Loan

Those with low credit scores often worry about not qualifying for financial support for their homes. But there are options to fund your home even if you have less than perfect credit. With the help of our team in Severna Park and Annapolis, MD, you can qualify for a low credit loan.  Get in touch to learn more about the options available.

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VHDA Loans

The Virginia Housing Development Authority (VHDA) provides loan programs for first-time homebuyers and current homeowners who wish to buy a home in Areas of Economic Opportunity. If you’re a Virginia resident, you can inquire about VHDA loans from our specialist to see if you qualify. 

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Maryland Mortgage Program

The Maryland Mortgage Program (MMP) makes the down payment and monthly mortgage payments more manageable for you. Apply for an MMP loan for your Severna Park or Annapolis area home. Our team will help you determine which one is more suitable for your situation.

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New Construction Loan

If you plan to build a home in Severna Park, Annapolis, Pasadena, MD or surrounding areas, consider applying for a new construction loan with PRMI. This way, you can use your current home’s equity to build your new home. We can help you explore various construction loan programs to find the best fit for your goals.

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Home Loan

At PRMI, we provide home loans to those living in Severna Park, Annapolis, Pasadena MD and surrounding area. These loans give borrowers to ability to buy an existing home or a lot to build on. We can help you find the best interest rates, payment terms and fees based on your budget.

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VA Loan

We honor our active and former military service members and provide help with VA loan programs.  Qualified individuals don’t need to make a down payment with these loans. Moreover, these loans come with low closing costs, competitive mortgage rates and zero private mortgage insurance. If you’re looking for VA loans in Annapolis, MD or any surrounding areas, contact us to learn more.

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FHA Loan

The Federal Housing Administration (FHA) insures home loan programs that come with low fixed rates, low credit scores and small down payments. Ask our local team about FHA loans in Severna Park, Annapolis and Pasadena, MD. We’ll help determine your eligibility and walk you through the loan process.

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USDA Loans

The United States Department of Agriculture (USDA) grants no-down-payment and low-interest loans to help low- and moderate-income people buy or renovate a home in rural areas. Our lenders serving Severna Park, Annapolis, Pasadena, and surrounding areas can walk you through the USDA loan process.

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Conventional Mortgage

Our mortgage lender in Severna Park and Annapolis, MD, streamlines the conventional mortgage process for you. These loans typically come in 15 or 30 year options and allow you to have a more predictable payment with terms that are locked in for the life of the loan.

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